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Home › Fixed deposit rates › 36 months (3 years) FD rates

36-Month Fixed Deposit Rates in Sri Lanka — November 2026

Rates last verified 9 November 2026

FD FinderTop picksAll ratesBy tenureFAQ

Find the best FD for you

Interest paid

Best for LKR 1,000,000 over 36 months (3 years) · market average 11.80% · after 10% AIT

  1. 1

    Softlogic Finance

    Fixed Deposits · Finance company

    15.50%

    LKR 1,418,500 at maturity · LKR 418,500 interest+99,847 vs avg

    DetailsOpen this FD
  2. 2

    Asia Asset Finance

    Fixed Deposits · Finance company

    14.50%

    LKR 1,391,500 at maturity · LKR 391,500 interest+72,847 vs avg

    DetailsOpen this FD
  3. 3

    SMB Finance PLC

    Fixed Deposits · Finance company

    14.50%

    LKR 1,391,500 at maturity · LKR 391,500 interest+72,847 vs avg

    DetailsOpen this FD
See all 51 deposits for this term

A 36 months (3 years) fixed deposit locks your money in for 36 months at a fixed rate. We compare 44 institutions so you can see who pays the most for exactly this term. Across 51 deposits we track for 36 months (3 years), the top rate is 15.50% p.a. from Softlogic Finance, against a market average of 11.80%. The gap between the highest and lowest offer is 7.75 percentage points — on LKR 1,000,000 that is LKR 209,250 more interest after tax, just from choosing where to deposit. Finance companies lead: Softlogic Finance pays 15.50%, while the best bank, Cargills Bank, pays 13.50%.

Best 3Y rate

15.50%

Softlogic Finance

Best bank (3Y)

13.50%

Cargills Bank

Market average (3Y)

11.80%

Median 12.00%

Compared

44

institutions · 65 deposits

Top 3 deposits for 36 months (3 years)

#1 · Finance company

Softlogic Finance

Fixed Deposits

15.50%

LKR 1,000,000 → LKR 1,418,500 after AIT (LKR 418,500 interest)

View deposit

#2 · Finance company

Asia Asset Finance

Fixed Deposits

14.50%

LKR 1,000,000 → LKR 1,391,500 after AIT (LKR 391,500 interest)

View deposit

#3 · Finance company

SMB Finance PLC

Fixed Deposits

14.50%

LKR 1,000,000 → LKR 1,391,500 after AIT (LKR 391,500 interest)

View deposit

All 36 months (3 years) FD rates, ranked

51 deposits for 36 months (3 years). Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.

36-Month Fixed Deposit Rates in Sri Lanka — November 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
Softlogic FinanceFixed Depositsverified today
Best
Finance company15.50%LKR 418,500LKR 1,418,500
CalculateDetails
2
Asia Asset FinanceFixed Depositsverified 3d ago
Finance company14.50%LKR 391,500LKR 1,391,500
CalculateDetails
3
SMB Finance PLCFixed Depositsverified today
Finance company14.50%LKR 391,500LKR 1,391,500
CalculateDetails
4
Richard Pieris FinanceFixed Deposits and Savingsverified 3d ago
Finance company14.10%0.40LKR 380,700LKR 1,380,700
CalculateDetails
5
Fintrex FinanceFixed Depositsverified today
Finance company13.80%LKR 372,600LKR 1,372,600
CalculateDetails
6
Cargills BankWishrama Fixed Depositsverified today
Private bank13.50%LKR 364,500LKR 1,364,500
CalculateDetails
7
LCB FinanceLCB Fixed Depositsverified today
Finance company13.50%LKR 364,500LKR 1,364,500
CalculateDetails
8
PMF FinanceFIXED DEPOSITverified today
Finance company13.50%LKR 364,500LKR 1,364,500
CalculateDetails
9
Commercial Credit FinanceFixed Depositverified today
Finance company13.35%LKR 360,450LKR 1,360,450
CalculateDetails
10
CBC FinanceFixed Depositsverified today
Finance company13.00%0.50LKR 351,000LKR 1,351,000
CalculateDetails
11
Central FinanceCF Termverified today
Finance company13.00%LKR 351,000LKR 1,351,000
CalculateDetails
12
Central FinanceCF Ultraverified today
Finance company13.00%LKR 351,000LKR 1,351,000
CalculateDetails
13
Sarvodaya Development FinanceFixed Depositsverified today
Finance company13.00%LKR 351,000LKR 1,351,000
CalculateDetails
14
Assetline FinanceFixed Depositsverified today
Finance company12.75%LKR 344,250LKR 1,344,250
CalculateDetails
15
Janashakthi FinanceFixed Depositsverified today
Finance company12.75%LKR 344,250LKR 1,344,250
CalculateDetails
16
LB FinanceFixed Depositsverified today
Finance company12.75%LKR 344,250LKR 1,344,250
CalculateDetails
17
Vallibel FinanceFixed Depositsverified today
Finance company12.75%LKR 344,250LKR 1,344,250
CalculateDetails
18
Alliance FinanceFixed Depositverified today
Finance company12.50%LKR 337,500LKR 1,337,500
CalculateApply
19
Dialog FinanceFixed Depositsverified 19d ago
Finance company12.50%LKR 337,500LKR 1,337,500
CalculateDetails
20
Mahindra Ideal FinanceFixed Depositsverified today
Finance company12.50%1.25LKR 337,500LKR 1,337,500
CalculateDetails
21
MBSL FinanceFixed Depositsverified today
Finance company12.50%0.50LKR 337,500LKR 1,337,500
CalculateDetails
22
People's Leasing & FinanceFixed Depositsverified today
Finance company12.50%LKR 337,500LKR 1,337,500
CalculateDetails
23
Singer FinanceStandard Fixed Depositsverified today
Finance company12.50%LKR 337,500LKR 1,337,500
CalculateDetails
24
PABC BankRising Fixed Depositsverified 76d ago — check with bank
Private bank12.25%LKR 330,750LKR 1,330,750
CalculateDetails
25
UB FinanceFixed Depositsverified 129d ago — check with bank
Finance company12.00%LKR 324,000LKR 1,324,000
CalculateDetails
26
Union BankFixed Depositsverified 4d ago
Private bank12.00%0.25LKR 324,000LKR 1,324,000
CalculateDetails
27
Cargills BankCargills Bank Fixed Depositverified today
Private bank11.60%LKR 313,200LKR 1,313,200
CalculateDetails
28
Commercial BankFixed Depositsverified 164d ago — check with bank
Private bank11.50%LKR 310,500LKR 1,310,500
CalculateDetails
29
NDB BankNDB Bank Fixed Depositverified today
Private bank11.50%LKR 310,500LKR 1,310,500
CalculateDetails
30
DFCC BankFixed Depositverified 100d ago — check with bank
Private bank11.25%LKR 303,750LKR 1,303,750
CalculateDetails
31
RDB BankRDB Fixed Depositsverified today
State bank11.25%LKR 303,750LKR 1,303,750
CalculateDetails
32
SDB BankFixed Depositverified today
Private bank11.25%LKR 303,750LKR 1,303,750
CalculateDetails
33
Siyapatha FinanceFixed Depositsverified today
Finance company11.25%LKR 303,750LKR 1,303,750
CalculateDetails
34
LOLC FinanceGeneral Fixed Deposit Accountsverified today
Finance company11.03%1.03LKR 297,810LKR 1,297,810
CalculateDetails
35
CDB FinanceCDB Fixed Depositverified today
Finance company11.00%LKR 297,000LKR 1,297,000
CalculateDetails
36
HNB BankFixed Depositsverified today
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
37
NTB BankFixed Depositsverified 154d ago — check with bank
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
38
Sampath BankFixed Depositsverified today
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
39
Sampath BankCERTIFICATE OF DEPOSITverified today
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
40
Sampath BankSampath Sanhinda Fixed Depositsverified today
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
41
Senkadagala FinanceFixed Deposit Accountsverified 122d ago — check with bank
Finance company11.00%LKR 297,000LKR 1,297,000
CalculateDetails
42
Seylan BankRegular Fixed Deposit 2-60 monthsverified today
Private bank11.00%LKR 297,000LKR 1,297,000
CalculateDetails
43
People's Leasing & FinanceSenehasa Minor FDverified today
Finance company10.75%LKR 290,250LKR 1,290,250
CalculateDetails
44
PABC BankFixed Depositsverified 76d ago — check with bank
Private bank10.50%LKR 283,500LKR 1,283,500
CalculateDetails
45
HNB FinanceFixed Depositsverified today
Finance company10.00%LKR 270,000LKR 1,270,000
CalculateDetails
46
HDFC BankVishrama Udana Fixed Depositverified today
State bank9.50%LKR 256,500LKR 1,256,500
CalculateDetails
47
HDFC BankFixed Depositsverified today
State bank9.25%LKR 249,750LKR 1,249,750
CalculateDetails
48
MCB BankTerm Depositsverified 493d ago — check with bank
Private bank9.00%LKR 243,000LKR 1,243,000
CalculateDetails
49
Sampath BankKalin Cashverified today
Private bank8.27%LKR 223,290LKR 1,223,290
CalculateDetails
50
NSB BankNational Savings Certificateverified today
State bank7.75%0.50LKR 209,250LKR 1,209,250
CalculateDetails
51
NSB BankFixed Depositsverified today
State bank7.75%LKR 209,250LKR 1,209,250
CalculateDetails
  1. 1
    Softlogic FinanceFixed Deposits

    15.50%

    LKR 1,418,500 · +418,500

  2. 2
    Asia Asset FinanceFixed Deposits

    14.50%

    LKR 1,391,500 · +391,500

  3. 3
    SMB Finance PLCFixed Deposits

    14.50%

    LKR 1,391,500 · +391,500

  4. 4
    Richard Pieris FinanceFixed Deposits and Savings

    14.10%

    0.40

    LKR 1,380,700 · +380,700

  5. 5
    Fintrex FinanceFixed Deposits

    13.80%

    LKR 1,372,600 · +372,600

  6. 6
    Cargills BankWishrama Fixed Deposits

    13.50%

    LKR 1,364,500 · +364,500

  7. 7
    LCB FinanceLCB Fixed Deposits

    13.50%

    LKR 1,364,500 · +364,500

  8. 8
    PMF FinanceFIXED DEPOSIT

    13.50%

    LKR 1,364,500 · +364,500

  9. 9
    Commercial Credit FinanceFixed Deposit

    13.35%

    LKR 1,360,450 · +360,450

  10. 10
    CBC FinanceFixed Deposits

    13.00%

    0.50

    LKR 1,351,000 · +351,000

  11. 11
    Central FinanceCF Term

    13.00%

    LKR 1,351,000 · +351,000

  12. 12
    Central FinanceCF Ultra

    13.00%

    LKR 1,351,000 · +351,000

  13. 13
    Sarvodaya Development FinanceFixed Deposits

    13.00%

    LKR 1,351,000 · +351,000

  14. 14
    Assetline FinanceFixed Deposits

    12.75%

    LKR 1,344,250 · +344,250

  15. 15
    Janashakthi FinanceFixed Deposits

    12.75%

    LKR 1,344,250 · +344,250

  16. 16
    LB FinanceFixed Deposits

    12.75%

    LKR 1,344,250 · +344,250

  17. 17
    Vallibel FinanceFixed Deposits

    12.75%

    LKR 1,344,250 · +344,250

  18. 18
    Alliance FinanceFixed Deposit

    12.50%

    LKR 1,337,500 · +337,500

  19. 19
    Dialog FinanceFixed Deposits

    12.50%

    LKR 1,337,500 · +337,500

  20. 20
    Mahindra Ideal FinanceFixed Deposits

    12.50%

    1.25

    LKR 1,337,500 · +337,500

  21. 21
    MBSL FinanceFixed Deposits

    12.50%

    0.50

    LKR 1,337,500 · +337,500

  22. 22
    People's Leasing & FinanceFixed Deposits

    12.50%

    LKR 1,337,500 · +337,500

  23. 23
    Singer FinanceStandard Fixed Deposits

    12.50%

    LKR 1,337,500 · +337,500

  24. 24
    PABC BankRising Fixed Deposits

    12.25%

    LKR 1,330,750 · +330,750· check rate

  25. 25
    UB FinanceFixed Deposits

    12.00%

    LKR 1,324,000 · +324,000· check rate

  26. 26
    Union BankFixed Deposits

    12.00%

    0.25

    LKR 1,324,000 · +324,000

  27. 27
    Cargills BankCargills Bank Fixed Deposit

    11.60%

    LKR 1,313,200 · +313,200

  28. 28
    Commercial BankFixed Deposits

    11.50%

    LKR 1,310,500 · +310,500· check rate

  29. 29
    NDB BankNDB Bank Fixed Deposit

    11.50%

    LKR 1,310,500 · +310,500

  30. 30
    DFCC BankFixed Deposit

    11.25%

    LKR 1,303,750 · +303,750· check rate

  31. 31
    RDB BankRDB Fixed Deposits

    11.25%

    LKR 1,303,750 · +303,750

  32. 32
    SDB BankFixed Deposit

    11.25%

    LKR 1,303,750 · +303,750

  33. 33
    Siyapatha FinanceFixed Deposits

    11.25%

    LKR 1,303,750 · +303,750

  34. 34
    LOLC FinanceGeneral Fixed Deposit Accounts

    11.03%

    1.03

    LKR 1,297,810 · +297,810

  35. 35
    CDB FinanceCDB Fixed Deposit

    11.00%

    LKR 1,297,000 · +297,000

  36. 36
    HNB BankFixed Deposits

    11.00%

    LKR 1,297,000 · +297,000

  37. 37
    NTB BankFixed Deposits

    11.00%

    LKR 1,297,000 · +297,000· check rate

  38. 38
    Sampath BankFixed Deposits

    11.00%

    LKR 1,297,000 · +297,000

  39. 39
    Sampath BankCERTIFICATE OF DEPOSIT

    11.00%

    LKR 1,297,000 · +297,000

  40. 40
    Sampath BankSampath Sanhinda Fixed Deposits

    11.00%

    LKR 1,297,000 · +297,000

  41. 41
    Senkadagala FinanceFixed Deposit Accounts

    11.00%

    LKR 1,297,000 · +297,000· check rate

  42. 42
    Seylan BankRegular Fixed Deposit 2-60 months

    11.00%

    LKR 1,297,000 · +297,000

  43. 43
    People's Leasing & FinanceSenehasa Minor FD

    10.75%

    LKR 1,290,250 · +290,250

  44. 44
    PABC BankFixed Deposits

    10.50%

    LKR 1,283,500 · +283,500· check rate

  45. 45
    HNB FinanceFixed Deposits

    10.00%

    LKR 1,270,000 · +270,000

  46. 46
    HDFC BankVishrama Udana Fixed Deposit

    9.50%

    LKR 1,256,500 · +256,500

  47. 47
    HDFC BankFixed Deposits

    9.25%

    LKR 1,249,750 · +249,750

  48. 48
    MCB BankTerm Deposits

    9.00%

    LKR 1,243,000 · +243,000· check rate

  49. 49
    Sampath BankKalin Cash

    8.27%

    LKR 1,223,290 · +223,290

  50. 50
    NSB BankNational Savings Certificate

    7.75%

    0.50

    LKR 1,209,250 · +209,250

  51. 51
    NSB BankFixed Deposits

    7.75%

    LKR 1,209,250 · +209,250

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One email at most per day, only when something new matches. As it happens: Rs. 199 a month, paid from your Sri Lankan bank account with AnyBanQ Pay. Your alerts start once your subscription is active, and you can cancel any time. SMS or browser notifications →

Hear when the best 36-month FD rate changes

A new top rate, or a different bank or finance company taking the lead. By email, SMS or browser notification.

Weekly digest Rs. 99 a month · as it happens Rs. 199 a month

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Banks vs finance companies for 36 months (3 years)

Licensed banks

Best
13.50%
Average
10.64%
Offers
22

Top: Cargills Bank

Finance companies

Best
15.50%
Average
12.68%
Offers
29

Top: Softlogic Finance

Higher rates usually come with higher risk. Finance companies typically pay more than banks; before you deposit, confirm the institution is licensed by the Central Bank of Sri Lanka, check its credit rating, and keep deposits within the deposit insurance limit where you can. Read our safe investing guide.

Compare other terms

Nearby terms

24 months (2 years) FD rates

Best 15.00% · average 11.45% · -0.50 pts vs this term

48 months (4 years) FD rates

Best 15.50% · average 12.21% · +0.00 pts vs this term

  • 1 month

    11.12%

    UB Finance

  • 3 months

    11.41%

    UB Finance

  • 6 months

    11.41%

    UB Finance

  • 1Y · 12M

    13.00%0.50

    Richard Pieris Finance

  • 2Y · 24M

    15.00%2.50

    LCB Finance

  • 3Y · 36M

    15.50%

    Softlogic Finance

  • 4Y · 48M

    15.50%

    SMB Finance PLC

  • 5Y · 60M

    16.00%

    SMB Finance PLC

See every rate in one table

Explore fixed deposit rates

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  • FD rate history
  • Fixed deposit guide
  • FD calculator

Frequently asked questions

What is the best 36 months (3 years) FD rate in Sri Lanka?

Softlogic Finance currently pays the highest 36 months (3 years) rate we track, 15.50% p.a. LKR 1,000,000 deposited for 36 months (3 years) returns LKR 1,418,500 after 10% AIT.

Which bank pays the most for a 36 months (3 years) fixed deposit?

Among licensed banks, Cargills Bank leads at 13.50%. The best finance company rate is 15.50% from Softlogic Finance.

What is the average 36 months (3 years) FD rate?

The average across 51 deposits is 11.80% and the median is 12.00%. 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.

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Rates are collected from published sources and can change without notice. AnyBanq is a comparison service, not a bank, and nothing here is financial advice — confirm terms with the institution before you deposit or borrow.

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