48-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 48 months (4 years) · market average 12.21% · after 10% AIT
- 1
SMB Finance PLC
Fixed Deposits · Finance company
15.50%
LKR 1,558,000 at maturity · LKR 558,000 interest+118,562 vs avg
- 2
Softlogic Finance
Fixed Deposits · Finance company
15.50%
LKR 1,558,000 at maturity · LKR 558,000 interest+118,562 vs avg
- 3
PMF Finance
FIXED DEPOSIT · Finance company
14.50%
LKR 1,522,000 at maturity · LKR 522,000 interest+82,562 vs avg
A 48 months (4 years) fixed deposit locks your money in for 48 months at a fixed rate. We compare 44 institutions so you can see who pays the most for exactly this term. Across 50 deposits we track for 48 months (4 years), the top rate is 15.50% p.a. from SMB Finance PLC, against a market average of 12.21%. The gap between the highest and lowest offer is 7.50 percentage points — on LKR 1,000,000 that is LKR 270,000 more interest after tax, just from choosing where to deposit. Finance companies lead: SMB Finance PLC pays 15.50%, while the best bank, PABC Bank, pays 12.75%.
Best 4Y rate
15.50%
SMB Finance PLC
Best bank (4Y)
12.75%
PABC Bank
Market average (4Y)
12.21%
Median 12.38%
Compared
44
institutions · 65 deposits
Top 3 deposits for 48 months (4 years)
#1 · Finance company
SMB Finance PLC
Fixed Deposits
15.50%
LKR 1,000,000 → LKR 1,558,000 after AIT (LKR 558,000 interest)
View deposit#2 · Finance company
Softlogic Finance
Fixed Deposits
15.50%
LKR 1,000,000 → LKR 1,558,000 after AIT (LKR 558,000 interest)
View deposit#3 · Finance company
PMF Finance
FIXED DEPOSIT
14.50%
LKR 1,000,000 → LKR 1,522,000 after AIT (LKR 522,000 interest)
View depositAll 48 months (4 years) FD rates, ranked
50 deposits for 48 months (4 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 558,000 | LKR 1,558,000 | |||
| 2 | Finance company | 15.50% | LKR 558,000 | LKR 1,558,000 | |||
| 3 | | Finance company | 14.50% | LKR 522,000 | LKR 1,522,000 | ||
| 4 |  | Finance company | 14.30%0.45 | LKR 514,800 | LKR 1,514,800 | ||
| 5 |  | Finance company | 14.00% | LKR 504,000 | LKR 1,504,000 | ||
| 6 |  | Finance company | 13.80% | LKR 496,800 | LKR 1,496,800 | ||
| 7 |  | Finance company | 13.75% | LKR 495,000 | LKR 1,495,000 | ||
| 8 |  | Finance company | 13.50%0.50 | LKR 486,000 | LKR 1,486,000 | ||
| 9 |  | Finance company | 13.50% | LKR 486,000 | LKR 1,486,000 | ||
| 10 | | Finance company | 13.50% | LKR 486,000 | LKR 1,486,000 |
Banks vs finance companies for 48 months (4 years)
Licensed banks
- Best
- 12.75%
- Average
- 10.97%
- Offers
- 22
Top: PABC Bank
Finance companies
- Best
- 15.50%
- Average
- 13.18%
- Offers
- 28
Top: SMB Finance PLC
Compare other terms
Nearby terms
Frequently asked questions
What is the best 48 months (4 years) FD rate in Sri Lanka?
SMB Finance PLC currently pays the highest 48 months (4 years) rate we track, 15.50% p.a. LKR 1,000,000 deposited for 48 months (4 years) returns LKR 1,558,000 after 10% AIT.
Which bank pays the most for a 48 months (4 years) fixed deposit?
Among licensed banks, PABC Bank leads at 12.75%. The best finance company rate is 15.50% from SMB Finance PLC.
What is the average 48 months (4 years) FD rate?
The average across 50 deposits is 12.21% and the median is 12.38%. 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.