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Home › Fixed deposit rates › 6 months FD rates

6-Month Fixed Deposit Rates in Sri Lanka — October 2026

Rates last verified 2 October 2026

FD FinderTop picksAll ratesBy tenureFAQ

Find the best FD for you

Interest paid

Best for LKR 1,000,000 over 6 months · market average 9.49% · after 10% AIT

  1. 1

    Richard Pieris Finance

    Fixed Deposits and Savings · Finance company

    11.50%

    LKR 1,051,750 at maturity · LKR 51,750 interest+9,034 vs avg

    DetailsOpen this FD
  2. 2

    UB Finance

    Fixed Deposits · Finance company

    11.41%

    LKR 1,051,345 at maturity · LKR 51,345 interest+8,629 vs avg

    DetailsOpen this FD
  3. 3

    People's Leasing & Finance

    Fixed Deposits · Finance company

    11.38%

    LKR 1,051,210 at maturity · LKR 51,210 interest+8,494 vs avg

    DetailsOpen this FD
See all 51 deposits for this term

A 6 months fixed deposit locks your money in for 6 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 6 months, the top rate is 11.50% p.a. from Richard Pieris Finance, against a market average of 9.49%. The gap between the highest and lowest offer is 5.50 percentage points — on LKR 1,000,000 that is LKR 24,750 more interest after tax, just from choosing where to deposit. Finance companies lead: Richard Pieris Finance pays 11.50%, while the best bank, NDB Bank, pays 10.75%.

Best 6M rate

11.50%

Richard Pieris Finance

Best bank (6M)

10.75%

NDB Bank

Market average (6M)

9.49%

Median 9.50%

Compared

44

institutions · 65 deposits

Top 3 deposits for 6 months

#1 · Finance company

Richard Pieris Finance

Fixed Deposits and Savings

11.50%

LKR 1,000,000 → LKR 1,051,750 after AIT (LKR 51,750 interest)

View deposit

#2 · Finance company

UB Finance

Fixed Deposits

11.41%

LKR 1,000,000 → LKR 1,051,345 after AIT (LKR 51,345 interest)

View deposit

#3 · Finance company

People's Leasing & Finance

Fixed Deposits

11.38%

LKR 1,000,000 → LKR 1,051,210 after AIT (LKR 51,210 interest)

View deposit

All 6 months FD rates, ranked

51 deposits for 6 months. Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.

6-Month Fixed Deposit Rates in Sri Lanka — October 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
Richard Pieris FinanceFixed Deposits and Savingsverified 101d ago — check with bank
Best
Finance company11.50%LKR 51,750LKR 1,051,750
CalculateDetails
2
UB FinanceFixed Depositsverified 108d ago — check with bank
Finance company11.41%LKR 51,345LKR 1,051,345
CalculateDetails
3
People's Leasing & FinanceFixed Depositsverified 18d ago
Finance company11.38%LKR 51,210LKR 1,051,210
CalculateDetails
4
SMB Finance PLCFixed Depositsverified 18d ago
Finance company11.38%LKR 51,210LKR 1,051,210
CalculateDetails
5
Commercial Credit FinanceFixed Depositverified 80d ago — check with bank
Finance company11.25%LKR 50,625LKR 1,050,625
CalculateDetails
6
LCB FinanceLCB Fixed Depositsverified 38d ago — check with bank
Finance company11.13%LKR 50,085LKR 1,050,085
CalculateDetails
7
Fintrex FinanceFixed Depositsverified 18d ago
Finance company11.00%LKR 49,500LKR 1,049,500
CalculateDetails
8
Assetline FinanceFixed Depositsverified 111d ago — check with bank
Finance company10.75%LKR 48,375LKR 1,048,375
CalculateDetails
9
NDB BankSpecial Deposit Accountverified 68d ago — check with bank
Private bank10.75%LKR 48,375LKR 1,048,375
CalculateDetails
10
Sarvodaya Development FinanceFixed Depositsverified 18d ago
Finance company10.75%LKR 48,375LKR 1,048,375
CalculateDetails
11
Softlogic FinanceFixed Depositsverified 18d ago
Finance company10.75%LKR 48,375LKR 1,048,375
CalculateDetails
12
CBC FinanceFixed Depositsverified 47d ago — check with bank
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
13
LB FinanceFixed Depositsverified 32d ago — check with bank
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
14
MBSL FinanceFixed Depositsverified 38d ago — check with bank
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
15
Vallibel FinanceFixed Depositsverified 18d ago
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
16
Central FinanceCF Excelverified 80d ago — check with bank
Finance company10.00%LKR 45,000LKR 1,045,000
CalculateDetails
17
DFCC BankFixed Depositverified 80d ago — check with bank
Private bank10.00%LKR 45,000LKR 1,045,000
CalculateDetails
18
Cargills BankCargills Bank Fixed Depositverified 52d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
19
Commercial BankFixed Depositsverified 143d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
20
HNB BankFixed Depositsverified 73d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
21
NDB BankNDB Bank Fixed Depositverified 109d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
22
NTB BankFixed Depositsverified 133d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
23
Sampath BankFixed Depositsverified 62d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
24
Sampath BankCERTIFICATE OF DEPOSITverified 62d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
25
Seylan BankRegular Fixed Deposit 2-60 monthsverified 68d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
26
Alliance FinanceFixed Depositverified 81d ago — check with bank
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateApply
27
Dialog FinanceFixed Depositsverified 35d ago — check with bank
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
28
HNB FinanceFixed Depositsverified 18d ago
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
29
PABC BankFixed Depositsverified 55d ago — check with bank
Private bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
30
RDB BankRDB Fixed Depositsverified 110d ago — check with bank
State bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
31
Sampath BankSampath Sanhinda Fixed Depositsverified 130d ago — check with bank
Private bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
32
Siyapatha FinanceFixed Depositsverified 63d ago — check with bank
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
33
Union BankFixed Depositsverified 21d ago
Private bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
34
Singer FinanceStandard Fixed Depositsverified 18d ago
Finance company9.25%LKR 41,625LKR 1,041,625
CalculateDetails
35
Sampath BankKalin Cashverified 130d ago — check with bank
Private bank9.07%LKR 40,815LKR 1,040,815
CalculateDetails
36
Amãna BankLKR Term Investment Accountverified 76d ago — check with bank
Private bank9.00%LKR 40,500LKR 1,040,500
CalculateDetails
37
CDB FinanceCDB Fixed Depositverified 80d ago — check with bank
Finance company9.00%LKR 40,500LKR 1,040,500
CalculateDetails
38
Seylan BankFlexi Fixed Depositverified 68d ago — check with bank
Private bank9.00%LKR 40,500LKR 1,040,500
CalculateDetails
39
LOLC FinanceGeneral Fixed Deposit Accountsverified 89d ago — check with bank
Finance company8.75%LKR 39,375LKR 1,039,375
CalculateDetails
40
SDB BankFixed Depositverified 74d ago — check with bank
Private bank8.75%LKR 39,375LKR 1,039,375
CalculateDetails
41
HDFC BankFixed Depositsverified 97d ago — check with bank
State bank8.50%LKR 38,250LKR 1,038,250
CalculateDetails
42
Mahindra Ideal FinanceFixed Depositsverified 270d ago — check with bank
Finance company8.50%LKR 38,250LKR 1,038,250
CalculateDetails
43
Janashakthi FinanceFixed Depositsverified 420d ago — check with bank
Finance company8.44%LKR 37,980LKR 1,037,980
CalculateDetails
44
Asia Asset FinanceFixed Depositsverified 18d ago
Finance company8.30%LKR 37,350LKR 1,037,350
CalculateDetails
45
Senkadagala FinanceFixed Deposit Accountsverified 101d ago — check with bank
Finance company8.00%LKR 36,000LKR 1,036,000
CalculateDetails
46
AMF CompanyFixed Depositsverified 81d ago — check with bank
Finance company7.75%LKR 34,875LKR 1,034,875
CalculateDetails
47
HDFC BankVishrama Udana Fixed Depositverified 410d ago — check with bank
State bank7.25%LKR 32,625LKR 1,032,625
CalculateDetails
48
MCB BankTerm Depositsverified 472d ago — check with bank
Private bank7.00%LKR 31,500LKR 1,031,500
CalculateDetails
49
NSB BankFixed Depositsverified 133d ago — check with bank
State bank7.00%LKR 31,500LKR 1,031,500
CalculateDetails
50
NSB BankNational Savings Certificateverified 469d ago — check with bank
State bank6.50%LKR 29,250LKR 1,029,250
CalculateDetails
51
SBI BankFixed Depositverified 467d ago — check with bank
Private bank6.00%LKR 27,000LKR 1,027,000
CalculateDetails
  1. 1
    Richard Pieris FinanceFixed Deposits and Savings

    11.50%

    LKR 1,051,750 · +51,750· check rate

  2. 2
    UB FinanceFixed Deposits

    11.41%

    LKR 1,051,345 · +51,345· check rate

  3. 3
    People's Leasing & FinanceFixed Deposits

    11.38%

    LKR 1,051,210 · +51,210

  4. 4
    SMB Finance PLCFixed Deposits

    11.38%

    LKR 1,051,210 · +51,210

  5. 5
    Commercial Credit FinanceFixed Deposit

    11.25%

    LKR 1,050,625 · +50,625· check rate

  6. 6
    LCB FinanceLCB Fixed Deposits

    11.13%

    LKR 1,050,085 · +50,085· check rate

  7. 7
    Fintrex FinanceFixed Deposits

    11.00%

    LKR 1,049,500 · +49,500

  8. 8
    Assetline FinanceFixed Deposits

    10.75%

    LKR 1,048,375 · +48,375· check rate

  9. 9
    NDB BankSpecial Deposit Account

    10.75%

    LKR 1,048,375 · +48,375· check rate

  10. 10
    Sarvodaya Development FinanceFixed Deposits

    10.75%

    LKR 1,048,375 · +48,375

  11. 11
    Softlogic FinanceFixed Deposits

    10.75%

    LKR 1,048,375 · +48,375

  12. 12
    CBC FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250· check rate

  13. 13
    LB FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250· check rate

  14. 14
    MBSL FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250· check rate

  15. 15
    Vallibel FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250

  16. 16
    Central FinanceCF Excel

    10.00%

    LKR 1,045,000 · +45,000· check rate

  17. 17
    DFCC BankFixed Deposit

    10.00%

    LKR 1,045,000 · +45,000· check rate

  18. 18
    Cargills BankCargills Bank Fixed Deposit

    9.75%

    LKR 1,043,875 · +43,875· check rate

  19. 19
    Commercial BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875· check rate

  20. 20
    HNB BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875· check rate

  21. 21
    NDB BankNDB Bank Fixed Deposit

    9.75%

    LKR 1,043,875 · +43,875· check rate

  22. 22
    NTB BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875· check rate

  23. 23
    Sampath BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875· check rate

  24. 24
    Sampath BankCERTIFICATE OF DEPOSIT

    9.75%

    LKR 1,043,875 · +43,875· check rate

  25. 25
    Seylan BankRegular Fixed Deposit 2-60 months

    9.75%

    LKR 1,043,875 · +43,875· check rate

  26. 26
    Alliance FinanceFixed Deposit

    9.50%

    LKR 1,042,750 · +42,750· check rate

  27. 27
    Dialog FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750· check rate

  28. 28
    HNB FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  29. 29
    PABC BankFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750· check rate

  30. 30
    RDB BankRDB Fixed Deposits

    9.50%

    LKR 1,042,750 · +42,750· check rate

  31. 31
    Sampath BankSampath Sanhinda Fixed Deposits

    9.50%

    LKR 1,042,750 · +42,750· check rate

  32. 32
    Siyapatha FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750· check rate

  33. 33
    Union BankFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  34. 34
    Singer FinanceStandard Fixed Deposits

    9.25%

    LKR 1,041,625 · +41,625

  35. 35
    Sampath BankKalin Cash

    9.07%

    LKR 1,040,815 · +40,815· check rate

  36. 36
    Amãna BankLKR Term Investment Account

    9.00%

    LKR 1,040,500 · +40,500· check rate

  37. 37
    CDB FinanceCDB Fixed Deposit

    9.00%

    LKR 1,040,500 · +40,500· check rate

  38. 38
    Seylan BankFlexi Fixed Deposit

    9.00%

    LKR 1,040,500 · +40,500· check rate

  39. 39
    LOLC FinanceGeneral Fixed Deposit Accounts

    8.75%

    LKR 1,039,375 · +39,375· check rate

  40. 40
    SDB BankFixed Deposit

    8.75%

    LKR 1,039,375 · +39,375· check rate

  41. 41
    HDFC BankFixed Deposits

    8.50%

    LKR 1,038,250 · +38,250· check rate

  42. 42
    Mahindra Ideal FinanceFixed Deposits

    8.50%

    LKR 1,038,250 · +38,250· check rate

  43. 43
    Janashakthi FinanceFixed Deposits

    8.44%

    LKR 1,037,980 · +37,980· check rate

  44. 44
    Asia Asset FinanceFixed Deposits

    8.30%

    LKR 1,037,350 · +37,350

  45. 45
    Senkadagala FinanceFixed Deposit Accounts

    8.00%

    LKR 1,036,000 · +36,000· check rate

  46. 46
    AMF CompanyFixed Deposits

    7.75%

    LKR 1,034,875 · +34,875· check rate

  47. 47
    HDFC BankVishrama Udana Fixed Deposit

    7.25%

    LKR 1,032,625 · +32,625· check rate

  48. 48
    MCB BankTerm Deposits

    7.00%

    LKR 1,031,500 · +31,500· check rate

  49. 49
    NSB BankFixed Deposits

    7.00%

    LKR 1,031,500 · +31,500· check rate

  50. 50
    NSB BankNational Savings Certificate

    6.50%

    LKR 1,029,250 · +29,250· check rate

  51. 51
    SBI BankFixed Deposit

    6.00%

    LKR 1,027,000 · +27,000· check rate

Banks vs finance companies for 6 months

Licensed banks

Best
10.75%
Average
8.95%
Offers
24

Top: NDB Bank

Finance companies

Best
11.50%
Average
9.97%
Offers
27

Top: Richard Pieris 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

3 months FD rates

Best 11.41% · average 8.96% · -0.09 pts vs this term

12 months (1 year) FD rates

Best 13.50% · average 10.31% · +2.00 pts vs this term

  • 1 month

    11.12%

    UB Finance

  • 3 months

    11.41%

    UB Finance

  • 6 months

    11.50%

    Richard Pieris Finance

  • 1Y · 12M

    13.50%

    Richard Pieris Finance

  • 2Y · 24M

    15.00%

    Softlogic Finance

  • 3Y · 36M

    15.50%

    Softlogic Finance

  • 4Y · 48M

    15.50%

    Softlogic Finance

  • 5Y · 60M

    16.00%

    Softlogic Finance

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 6 months FD rate in Sri Lanka?

Richard Pieris Finance currently pays the highest 6 months rate we track, 11.50% p.a. LKR 1,000,000 deposited for 6 months returns LKR 1,051,750 after 10% AIT.

Which bank pays the most for a 6 months fixed deposit?

Among licensed banks, NDB Bank leads at 10.75%. The best finance company rate is 11.50% from Richard Pieris Finance.

What is the average 6 months FD rate?

The average across 51 deposits is 9.49% and the median is 9.50%. 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.

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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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