3-Month Fixed Deposit Rates in Sri Lanka — November 2026
Rates last verified
Find the best FD for you
Best for LKR 1,000,000 over 3 months · market average 9.11% · after 10% AIT
- 1
UB Finance
Fixed Deposits · Finance company
11.41%
LKR 1,025,673 at maturity · LKR 25,673 interest+5,184 vs avg
- 2
SMB Finance PLC
Fixed Deposits · Finance company
10.60%
LKR 1,023,850 at maturity · LKR 23,850 interest+3,361 vs avg
- 3
People's Leasing & Finance
Fixed Deposits · Finance company
10.59%
LKR 1,023,828 at maturity · LKR 23,828 interest+3,339 vs avg
A 3 months fixed deposit locks your money in for 3 months at a fixed rate. We compare 44 institutions so you can see who pays the most for exactly this term. Across 48 deposits we track for 3 months, the top rate is 11.41% p.a. from UB Finance, against a market average of 9.11%. The gap between the highest and lowest offer is 5.16 percentage points — on LKR 1,000,000 that is LKR 11,610 more interest after tax, just from choosing where to deposit. Finance companies lead: UB Finance pays 11.41%, while the best bank, Cargills Bank, pays 9.75%.
Best 3M rate
11.41%
UB Finance
Best bank (3M)
9.75%
Cargills Bank
Market average (3M)
9.11%
Median 9.00%
Compared
44
institutions · 65 deposits
Top 3 deposits for 3 months
#1 · Finance company
UB Finance
Fixed Deposits
11.41%
LKR 1,000,000 → LKR 1,025,673 after AIT (LKR 25,673 interest)
View deposit#2 · Finance company
SMB Finance PLC
Fixed Deposits
10.60%
LKR 1,000,000 → LKR 1,023,850 after AIT (LKR 23,850 interest)
View deposit#3 · Finance company
People's Leasing & Finance
Fixed Deposits
10.59%
LKR 1,000,000 → LKR 1,023,828 after AIT (LKR 23,828 interest)
View depositAll 3 months FD rates, ranked
48 deposits for 3 months. Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.
| Compare | # | Institution & deposit | Type | Rate p.a. | Interest (net) | At maturity | Actions |
|---|---|---|---|---|---|---|---|
| 1 | Finance company | 11.41% | LKR 25,673 | LKR 1,025,673 | |||
| 2 | | Finance company | 10.60% | LKR 23,850 | LKR 1,023,850 | ||
| 3 | | Finance company | 10.59% | LKR 23,828 | LKR 1,023,828 | ||
| 4 |  | Finance company | 10.59% | LKR 23,828 | LKR 1,023,828 | ||
| 5 |  | Finance company | 10.34%1.07 | LKR 23,265 | LKR 1,023,265 | ||
| 6 |  | Finance company | 10.25% | LKR 23,063 | LKR 1,023,063 | ||
| 7 |  | Finance company | 10.25% | LKR 23,063 | LKR 1,023,063 | ||
| 8 |  | Finance company | 10.25% | LKR 23,063 | LKR 1,023,063 | ||
| 9 |  | Finance company | 10.25% | LKR 23,063 | LKR 1,023,063 | ||
| 10 |  | Finance company | 10.00%1.00 | LKR 22,500 | LKR 1,022,500 |
Banks vs finance companies for 3 months
Licensed banks
- Best
- 9.75%
- Average
- 8.49%
- Offers
- 22
Top: Cargills Bank
Finance companies
- Best
- 11.41%
- Average
- 9.63%
- Offers
- 26
Top: UB Finance
Compare other terms
Nearby terms
Frequently asked questions
What is the best 3 months FD rate in Sri Lanka?
UB Finance currently pays the highest 3 months rate we track, 11.41% p.a. LKR 1,000,000 deposited for 3 months returns LKR 1,025,673 after 10% AIT.
Which bank pays the most for a 3 months fixed deposit?
Among licensed banks, Cargills Bank leads at 9.75%. The best finance company rate is 11.41% from UB Finance.
What is the average 3 months FD rate?
The average across 48 deposits is 9.11% and the median is 9.00%. Half of all offers pay less than the median, so it's worth looking beyond your current bank.
Can I withdraw before the term ends?
Most institutions allow premature withdrawal but pay a reduced rate — often the rate for the period actually completed, minus a penalty. Check the product's terms, or consider a loan against the FD instead of breaking it.
Rates are indicative, collected from each institution's published rate sheet, and can change without notice. Returns assume simple interest paid at maturity with 10% AIT withheld. Anybanq is a comparison service, not a bank, and this is not financial advice — confirm the final rate and terms with the institution.