36-Month Fixed Deposit Rates in Sri Lanka — October 2026
Rates last verified
Find the best FD for you
Best for LKR 1,000,000 over 36 months (3 years) · market average 11.65% · after 10% AIT
- 1
Softlogic Finance
Fixed Deposits · Finance company
15.50%
LKR 1,418,500 at maturity · LKR 418,500 interest+103,886 vs avg
- 2
Asia Asset Finance
Fixed Deposits · Finance company
14.50%
LKR 1,391,500 at maturity · LKR 391,500 interest+76,886 vs avg
- 3
Richard Pieris Finance
Fixed Deposits and Savings · Finance company
14.50%
LKR 1,391,500 at maturity · LKR 391,500 interest+76,886 vs avg
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 11.65%. The gap between the highest and lowest offer is 8.25 percentage points — on LKR 1,000,000 that is LKR 222,750 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)
11.65%
Median 11.50%
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
Richard Pieris Finance
Fixed Deposits and Savings
14.50%
LKR 1,000,000 → LKR 1,391,500 after AIT (LKR 391,500 interest)
View depositAll 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.
| Compare | # | Institution & deposit | Type | Rate p.a. | Interest (net) | At maturity | Actions |
|---|---|---|---|---|---|---|---|
| 1 | Finance company | 15.50% | LKR 418,500 | LKR 1,418,500 | |||
| 2 | | Finance company | 14.50% | LKR 391,500 | LKR 1,391,500 | ||
| 3 | | Finance company | 14.50% | LKR 391,500 | LKR 1,391,500 | ||
| 4 |  | Finance company | 14.50% | LKR 391,500 | LKR 1,391,500 | ||
| 5 |  | Finance company | 13.80% | LKR 372,600 | LKR 1,372,600 | ||
| 6 |  | Private bank | 13.50% | LKR 364,500 | LKR 1,364,500 | ||
| 7 |  | Finance company | 13.50% | LKR 364,500 | LKR 1,364,500 | ||
| 8 |  | Finance company | 13.35% | LKR 360,450 | LKR 1,360,450 | ||
| 9 |  | Finance company | 13.00% | LKR 351,000 | LKR 1,351,000 | ||
| 10 | | Finance company | 13.00% | LKR 351,000 | LKR 1,351,000 |
Banks vs finance companies for 36 months (3 years)
Licensed banks
- Best
- 13.50%
- Average
- 10.59%
- Offers
- 22
Top: Cargills Bank
Finance companies
- Best
- 15.50%
- Average
- 12.46%
- Offers
- 29
Top: Softlogic Finance
Compare other terms
Nearby terms
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 11.65% and the median is 11.50%. 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.