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Home › Fixed deposit rates › 6 months FD rates

6-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 6 months · market average 9.67% · after 10% AIT

  1. 1

    UB Finance

    Fixed Deposits · Finance company

    11.41%

    LKR 1,051,345 at maturity · LKR 51,345 interest+7,841 vs avg

    DetailsOpen this FD
  2. 2

    People's Leasing & Finance

    Fixed Deposits · Finance company

    11.38%

    LKR 1,051,210 at maturity · LKR 51,210 interest+7,706 vs avg

    DetailsOpen this FD
  3. 3

    SMB Finance PLC

    Fixed Deposits · Finance company

    11.38%

    LKR 1,051,210 at maturity · LKR 51,210 interest+7,706 vs avg

    DetailsOpen this FD
See all 50 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 50 deposits we track for 6 months, the top rate is 11.41% p.a. from UB Finance, against a market average of 9.67%. The gap between the highest and lowest offer is 4.91 percentage points — on LKR 1,000,000 that is LKR 22,095 more interest after tax, just from choosing where to deposit. Finance companies lead: UB Finance pays 11.41%, while the best bank, NDB Bank, pays 10.75%.

Best 6M rate

11.41%

UB Finance

Best bank (6M)

10.75%

NDB Bank

Market average (6M)

9.67%

Median 9.75%

Compared

44

institutions · 65 deposits

Top 3 deposits for 6 months

#1 · Finance company

UB Finance

Fixed Deposits

11.41%

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

View deposit

#2 · 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

#3 · Finance company

SMB Finance PLC

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

50 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 — November 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
UB FinanceFixed Depositsverified 129d ago — check with bank
Best
Finance company11.41%LKR 51,345LKR 1,051,345
CalculateDetails
2
People's Leasing & FinanceFixed Depositsverified today
Finance company11.38%LKR 51,210LKR 1,051,210
CalculateDetails
3
SMB Finance PLCFixed Depositsverified today
Finance company11.38%LKR 51,210LKR 1,051,210
CalculateDetails
4
Fintrex FinanceFixed Depositsverified today
Finance company11.00%LKR 49,500LKR 1,049,500
CalculateDetails
5
LCB FinanceLCB Fixed Depositsverified today
Finance company10.88%0.25LKR 48,960LKR 1,048,960
CalculateDetails
6
Assetline FinanceFixed Depositsverified today
Finance company10.75%LKR 48,375LKR 1,048,375
CalculateDetails
7
Mahindra Ideal FinanceFixed Depositsverified today
Finance company10.75%2.25LKR 48,375LKR 1,048,375
CalculateDetails
8
NDB BankSpecial Deposit Accountverified 89d ago — check with bank
Private bank10.75%LKR 48,375LKR 1,048,375
CalculateDetails
9
Richard Pieris FinanceFixed Deposits and Savingsverified 3d ago
Finance company10.75%0.75LKR 48,375LKR 1,048,375
CalculateDetails
10
Sarvodaya Development FinanceFixed Depositsverified today
Finance company10.75%LKR 48,375LKR 1,048,375
CalculateDetails
11
MBSL FinanceFixed Depositsverified today
Finance company10.70%0.20LKR 48,150LKR 1,048,150
CalculateDetails
12
CBC FinanceFixed Depositsverified today
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
13
Commercial Credit FinanceFixed Depositverified today
Finance company10.50%0.75LKR 47,250LKR 1,047,250
CalculateDetails
14
Janashakthi FinanceFixed Depositsverified today
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
15
LB FinanceFixed Depositsverified today
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
16
PMF FinanceFIXED DEPOSITverified today
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
17
Vallibel FinanceFixed Depositsverified today
Finance company10.50%LKR 47,250LKR 1,047,250
CalculateDetails
18
Cargills BankCargills Bank Fixed Depositverified today
Private bank10.00%0.25LKR 45,000LKR 1,045,000
CalculateDetails
19
Central FinanceCF Excelverified today
Finance company10.00%LKR 45,000LKR 1,045,000
CalculateDetails
20
Commercial BankFixed Depositsverified 164d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
21
DFCC BankFixed Depositverified 100d ago — check with bank
Private bank9.75%0.25LKR 43,875LKR 1,043,875
CalculateDetails
22
HNB BankFixed Depositsverified today
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
23
NDB BankNDB Bank Fixed Depositverified today
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
24
NTB BankFixed Depositsverified 154d ago — check with bank
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
25
Sampath BankFixed Depositsverified today
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
26
Sampath BankCERTIFICATE OF DEPOSITverified today
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
27
Sampath BankSampath Sanhinda Fixed Depositsverified today
Private bank9.75%0.25LKR 43,875LKR 1,043,875
CalculateDetails
28
Seylan BankRegular Fixed Deposit 2-60 monthsverified today
Private bank9.75%LKR 43,875LKR 1,043,875
CalculateDetails
29
Softlogic FinanceFixed Depositsverified today
Finance company9.75%1.00LKR 43,875LKR 1,043,875
CalculateDetails
30
Union BankFixed Depositsverified 4d ago
Private bank9.75%0.25LKR 43,875LKR 1,043,875
CalculateDetails
31
Alliance FinanceFixed Depositverified today
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateApply
32
Dialog FinanceFixed Depositsverified 19d ago
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
33
HNB FinanceFixed Depositsverified today
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
34
PABC BankFixed Depositsverified 76d ago — check with bank
Private bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
35
RDB BankRDB Fixed Depositsverified today
State bank9.50%LKR 42,750LKR 1,042,750
CalculateDetails
36
Siyapatha FinanceFixed Depositsverified today
Finance company9.50%LKR 42,750LKR 1,042,750
CalculateDetails
37
Sampath BankKalin Cashverified today
Private bank9.29%0.22LKR 41,805LKR 1,041,805
CalculateDetails
38
Singer FinanceStandard Fixed Depositsverified today
Finance company9.25%LKR 41,625LKR 1,041,625
CalculateDetails
39
Amãna BankLKR Term Investment Accountverified today
Private bank9.02%0.02LKR 40,590LKR 1,040,590
CalculateDetails
40
CDB FinanceCDB Fixed Depositverified today
Finance company9.00%LKR 40,500LKR 1,040,500
CalculateDetails
41
Seylan BankFlexi Fixed Depositverified today
Private bank9.00%LKR 40,500LKR 1,040,500
CalculateDetails
42
HDFC BankVishrama Udana Fixed Depositverified today
State bank8.75%LKR 39,375LKR 1,039,375
CalculateDetails
43
SDB BankFixed Depositverified today
Private bank8.75%LKR 39,375LKR 1,039,375
CalculateDetails
44
LOLC FinanceGeneral Fixed Deposit Accountsverified today
Finance company8.57%0.18LKR 38,565LKR 1,038,565
CalculateDetails
45
HDFC BankFixed Depositsverified today
State bank8.50%LKR 38,250LKR 1,038,250
CalculateDetails
46
Senkadagala FinanceFixed Deposit Accountsverified 122d ago — check with bank
Finance company8.00%LKR 36,000LKR 1,036,000
CalculateDetails
47
MCB BankTerm Depositsverified 493d ago — check with bank
Private bank7.00%LKR 31,500LKR 1,031,500
CalculateDetails
48
NSB BankNational Savings Certificateverified today
State bank7.00%0.50LKR 31,500LKR 1,031,500
CalculateDetails
49
NSB BankFixed Depositsverified today
State bank7.00%LKR 31,500LKR 1,031,500
CalculateDetails
50
SBI BankFixed Depositverified today
Private bank6.50%0.50LKR 29,250LKR 1,029,250
CalculateDetails
  1. 1
    UB FinanceFixed Deposits

    11.41%

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

  2. 2
    People's Leasing & FinanceFixed Deposits

    11.38%

    LKR 1,051,210 · +51,210

  3. 3
    SMB Finance PLCFixed Deposits

    11.38%

    LKR 1,051,210 · +51,210

  4. 4
    Fintrex FinanceFixed Deposits

    11.00%

    LKR 1,049,500 · +49,500

  5. 5
    LCB FinanceLCB Fixed Deposits

    10.88%

    0.25

    LKR 1,048,960 · +48,960

  6. 6
    Assetline FinanceFixed Deposits

    10.75%

    LKR 1,048,375 · +48,375

  7. 7
    Mahindra Ideal FinanceFixed Deposits

    10.75%

    2.25

    LKR 1,048,375 · +48,375

  8. 8
    NDB BankSpecial Deposit Account

    10.75%

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

  9. 9
    Richard Pieris FinanceFixed Deposits and Savings

    10.75%

    0.75

    LKR 1,048,375 · +48,375

  10. 10
    Sarvodaya Development FinanceFixed Deposits

    10.75%

    LKR 1,048,375 · +48,375

  11. 11
    MBSL FinanceFixed Deposits

    10.70%

    0.20

    LKR 1,048,150 · +48,150

  12. 12
    CBC FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250

  13. 13
    Commercial Credit FinanceFixed Deposit

    10.50%

    0.75

    LKR 1,047,250 · +47,250

  14. 14
    Janashakthi FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250

  15. 15
    LB FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250

  16. 16
    PMF FinanceFIXED DEPOSIT

    10.50%

    LKR 1,047,250 · +47,250

  17. 17
    Vallibel FinanceFixed Deposits

    10.50%

    LKR 1,047,250 · +47,250

  18. 18
    Cargills BankCargills Bank Fixed Deposit

    10.00%

    0.25

    LKR 1,045,000 · +45,000

  19. 19
    Central FinanceCF Excel

    10.00%

    LKR 1,045,000 · +45,000

  20. 20
    Commercial BankFixed Deposits

    9.75%

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

  21. 21
    DFCC BankFixed Deposit

    9.75%

    0.25

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

  22. 22
    HNB BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875

  23. 23
    NDB BankNDB Bank Fixed Deposit

    9.75%

    LKR 1,043,875 · +43,875

  24. 24
    NTB BankFixed Deposits

    9.75%

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

  25. 25
    Sampath BankFixed Deposits

    9.75%

    LKR 1,043,875 · +43,875

  26. 26
    Sampath BankCERTIFICATE OF DEPOSIT

    9.75%

    LKR 1,043,875 · +43,875

  27. 27
    Sampath BankSampath Sanhinda Fixed Deposits

    9.75%

    0.25

    LKR 1,043,875 · +43,875

  28. 28
    Seylan BankRegular Fixed Deposit 2-60 months

    9.75%

    LKR 1,043,875 · +43,875

  29. 29
    Softlogic FinanceFixed Deposits

    9.75%

    1.00

    LKR 1,043,875 · +43,875

  30. 30
    Union BankFixed Deposits

    9.75%

    0.25

    LKR 1,043,875 · +43,875

  31. 31
    Alliance FinanceFixed Deposit

    9.50%

    LKR 1,042,750 · +42,750

  32. 32
    Dialog FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  33. 33
    HNB FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  34. 34
    PABC BankFixed Deposits

    9.50%

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

  35. 35
    RDB BankRDB Fixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  36. 36
    Siyapatha FinanceFixed Deposits

    9.50%

    LKR 1,042,750 · +42,750

  37. 37
    Sampath BankKalin Cash

    9.29%

    0.22

    LKR 1,041,805 · +41,805

  38. 38
    Singer FinanceStandard Fixed Deposits

    9.25%

    LKR 1,041,625 · +41,625

  39. 39
    Amãna BankLKR Term Investment Account

    9.02%

    0.02

    LKR 1,040,590 · +40,590

  40. 40
    CDB FinanceCDB Fixed Deposit

    9.00%

    LKR 1,040,500 · +40,500

  41. 41
    Seylan BankFlexi Fixed Deposit

    9.00%

    LKR 1,040,500 · +40,500

  42. 42
    HDFC BankVishrama Udana Fixed Deposit

    8.75%

    LKR 1,039,375 · +39,375

  43. 43
    SDB BankFixed Deposit

    8.75%

    LKR 1,039,375 · +39,375

  44. 44
    LOLC FinanceGeneral Fixed Deposit Accounts

    8.57%

    0.18

    LKR 1,038,565 · +38,565

  45. 45
    HDFC BankFixed Deposits

    8.50%

    LKR 1,038,250 · +38,250

  46. 46
    Senkadagala FinanceFixed Deposit Accounts

    8.00%

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

  47. 47
    MCB BankTerm Deposits

    7.00%

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

  48. 48
    NSB BankNational Savings Certificate

    7.00%

    0.50

    LKR 1,031,500 · +31,500

  49. 49
    NSB BankFixed Deposits

    7.00%

    LKR 1,031,500 · +31,500

  50. 50
    SBI BankFixed Deposit

    6.50%

    0.50

    LKR 1,029,250 · +29,250

Get an email when FD rates beat your target

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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 6-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 6 months

Licensed banks

Best
10.75%
Average
9.09%
Offers
24

Top: NDB Bank

Finance companies

Best
11.41%
Average
10.20%
Offers
26

Top: UB 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 9.11% · +0.00 pts vs this term

12 months (1 year) FD rates

Best 13.00% · average 10.52% · +1.59 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

  • 1 month FD 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?

UB Finance currently pays the highest 6 months rate we track, 11.41% p.a. LKR 1,000,000 deposited for 6 months returns LKR 1,051,345 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 11.41% from UB Finance.

What is the average 6 months FD rate?

The average across 50 deposits is 9.67% and the median is 9.75%. 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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