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Home › Fixed deposit rates › 60 months (5 years) FD rates

60-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 60 months (5 years) · market average 13.13% · after 10% AIT

  1. 1

    SMB Finance PLC

    Fixed Deposits · Finance company

    16.00%

    LKR 1,720,000 at maturity · LKR 720,000 interest+128,934 vs avg

    DetailsOpen this FD
  2. 2

    Softlogic Finance

    Fixed Deposits · Finance company

    16.00%

    LKR 1,720,000 at maturity · LKR 720,000 interest+128,934 vs avg

    DetailsOpen this FD
  3. 3

    Cargills Bank

    Wishrama Fixed Deposits · Private bank

    15.25%

    LKR 1,686,250 at maturity · LKR 686,250 interest+95,184 vs avg

    DetailsOpen this FD
See all 50 deposits for this term

A 60 months (5 years) fixed deposit locks your money in for 60 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 60 months (5 years), the top rate is 16.00% p.a. from Softlogic Finance, against a market average of 13.13%. The gap between the highest and lowest offer is 8.31 percentage points — on LKR 1,000,000 that is LKR 373,950 more interest after tax, just from choosing where to deposit. Finance companies lead: Softlogic Finance pays 16.00%, while the best bank, Cargills Bank, pays 15.25%.

Best 5Y rate

16.00%

Softlogic Finance

Best bank (5Y)

15.25%

Cargills Bank

Market average (5Y)

13.13%

Median 13.00%

Compared

44

institutions · 65 deposits

Top 3 deposits for 60 months (5 years)

#1 · Finance company

SMB Finance PLC

Fixed Deposits

16.00%

LKR 1,000,000 → LKR 1,720,000 after AIT (LKR 720,000 interest)

View deposit

#2 · Finance company

Softlogic Finance

Fixed Deposits

16.00%

LKR 1,000,000 → LKR 1,720,000 after AIT (LKR 720,000 interest)

View deposit

#3 · Private bank

Cargills Bank

Wishrama Fixed Deposits

15.25%

LKR 1,000,000 → LKR 1,686,250 after AIT (LKR 686,250 interest)

View deposit

All 60 months (5 years) FD rates, ranked

50 deposits for 60 months (5 years). Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.

60-Month Fixed Deposit Rates in Sri Lanka — October 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
SMB Finance PLCFixed Depositsverified 18d ago
Best
Finance company16.00%LKR 720,000LKR 1,720,000
CalculateDetails
2
Softlogic FinanceFixed Depositsverified 18d ago
Best
Finance company16.00%LKR 720,000LKR 1,720,000
CalculateDetails
3
Cargills BankWishrama Fixed Depositsverified 447d ago — check with bank
Private bank15.25%LKR 686,250LKR 1,686,250
CalculateDetails
4
Cargills BankCargills Bank Fixed Depositverified 52d ago — check with bank
Private bank15.00%LKR 675,000LKR 1,675,000
CalculateDetails
5
CDB FinanceCDB Fixed Depositverified 80d ago — check with bank
Finance company15.00%LKR 675,000LKR 1,675,000
CalculateDetails
6
PABC BankRising Fixed Depositsverified 55d ago — check with bank
Private bank14.75%LKR 663,750LKR 1,663,750
CalculateDetails
7
Richard Pieris FinanceFixed Deposits and Savingsverified 101d ago — check with bank
Finance company14.75%LKR 663,750LKR 1,663,750
CalculateDetails
8
HNB FinanceFixed Depositsverified 18d ago
Finance company14.50%LKR 652,500LKR 1,652,500
CalculateDetails
9
Sarvodaya Development FinanceFixed Depositsverified 18d ago
Finance company14.50%LKR 652,500LKR 1,652,500
CalculateDetails
10
Asia Asset FinanceFixed Depositsverified 18d ago
Finance company14.25%LKR 641,250LKR 1,641,250
CalculateDetails
11
Alliance FinanceFixed Depositverified 81d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateApply
12
CBC FinanceFixed Depositsverified 47d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
13
Central FinanceCF Termverified 80d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
14
Central FinanceCF Ultraverified 80d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
15
Singer FinanceStandard Fixed Depositsverified 18d ago
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
16
UB FinanceFixed Depositsverified 108d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
17
Fintrex FinanceFixed Depositsverified 18d ago
Finance company13.80%LKR 621,000LKR 1,621,000
CalculateDetails
18
MBSL FinanceFixed Depositsverified 38d ago — check with bank
Finance company13.75%LKR 618,750LKR 1,618,750
CalculateDetails
19
SDB BankFixed Depositverified 74d ago — check with bank
Private bank13.75%LKR 618,750LKR 1,618,750
CalculateDetails
20
Commercial Credit FinanceFixed Depositverified 80d ago — check with bank
Finance company13.50%LKR 607,500LKR 1,607,500
CalculateDetails
21
LCB FinanceLCB Fixed Depositsverified 38d ago — check with bank
Finance company13.50%LKR 607,500LKR 1,607,500
CalculateDetails
22
Union BankFixed Depositsverified 21d ago
Private bank13.50%LKR 607,500LKR 1,607,500
CalculateDetails
23
Assetline FinanceFixed Depositsverified 111d ago — check with bank
Finance company13.25%LKR 596,250LKR 1,596,250
CalculateDetails
24
AMF CompanyFixed Depositsverified 81d ago — check with bank
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
25
Dialog FinanceFixed Depositsverified 35d ago — check with bank
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
26
HDFC BankFixed Depositsverified 97d ago — check with bank
State bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
27
HNB BankFixed Depositsverified 73d ago — check with bank
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
28
Mahindra Ideal FinanceFixed Depositsverified 270d ago — check with bank
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
29
NDB BankNDB Bank Fixed Depositverified 109d ago — check with bank
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
30
PABC BankFixed Depositsverified 55d ago — check with bank
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
31
People's Leasing & FinanceFixed Depositsverified 18d ago
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
32
Siyapatha FinanceFixed Depositsverified 63d ago — check with bank
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
33
LB FinanceFixed Depositsverified 32d ago — check with bank
Finance company12.75%LKR 573,750LKR 1,573,750
CalculateDetails
34
Vallibel FinanceFixed Depositsverified 18d ago
Finance company12.75%LKR 573,750LKR 1,573,750
CalculateDetails
35
Commercial BankFixed Depositsverified 143d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
36
DFCC BankFixed Depositverified 80d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
37
Sampath BankSampath Sanhinda Fixed Depositsverified 130d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
38
Sampath BankFixed Depositsverified 62d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
39
Sampath BankCERTIFICATE OF DEPOSITverified 62d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
40
Seylan BankRegular Fixed Deposit 2-60 monthsverified 68d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
41
Seylan BankLong Term Fixed Depositsverified 68d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
42
RDB BankRDB Fixed Depositsverified 110d ago — check with bank
State bank12.25%LKR 551,250LKR 1,551,250
CalculateDetails
43
Senkadagala FinanceFixed Deposit Accountsverified 101d ago — check with bank
Finance company12.00%LKR 540,000LKR 1,540,000
CalculateDetails
44
HDFC BankVishrama Udana Fixed Depositverified 410d ago — check with bank
State bank11.75%LKR 528,750LKR 1,528,750
CalculateDetails
45
Janashakthi FinanceFixed Depositsverified 420d ago — check with bank
Finance company11.75%LKR 528,750LKR 1,528,750
CalculateDetails
46
People's Leasing & FinanceSenehasa Minor FDverified 396d ago — check with bank
Finance company11.75%LKR 528,750LKR 1,528,750
CalculateDetails
47
NTB BankFixed Depositsverified 133d ago — check with bank
Private bank11.25%LKR 506,250LKR 1,506,250
CalculateDetails
48
LOLC FinanceGeneral Fixed Deposit Accountsverified 89d ago — check with bank
Finance company11.00%LKR 495,000LKR 1,495,000
CalculateDetails
49
NSB BankFixed Depositsverified 133d ago — check with bank
State bank8.25%LKR 371,250LKR 1,371,250
CalculateDetails
50
Sampath BankKalin Cashverified 130d ago — check with bank
Private bank7.69%LKR 346,050LKR 1,346,050
CalculateDetails
  1. 1
    SMB Finance PLCFixed Deposits

    16.00%

    LKR 1,720,000 · +720,000

  2. 2
    Softlogic FinanceFixed Deposits

    16.00%

    LKR 1,720,000 · +720,000

  3. 3
    Cargills BankWishrama Fixed Deposits

    15.25%

    LKR 1,686,250 · +686,250· check rate

  4. 4
    Cargills BankCargills Bank Fixed Deposit

    15.00%

    LKR 1,675,000 · +675,000· check rate

  5. 5
    CDB FinanceCDB Fixed Deposit

    15.00%

    LKR 1,675,000 · +675,000· check rate

  6. 6
    PABC BankRising Fixed Deposits

    14.75%

    LKR 1,663,750 · +663,750· check rate

  7. 7
    Richard Pieris FinanceFixed Deposits and Savings

    14.75%

    LKR 1,663,750 · +663,750· check rate

  8. 8
    HNB FinanceFixed Deposits

    14.50%

    LKR 1,652,500 · +652,500

  9. 9
    Sarvodaya Development FinanceFixed Deposits

    14.50%

    LKR 1,652,500 · +652,500

  10. 10
    Asia Asset FinanceFixed Deposits

    14.25%

    LKR 1,641,250 · +641,250

  11. 11
    Alliance FinanceFixed Deposit

    14.00%

    LKR 1,630,000 · +630,000· check rate

  12. 12
    CBC FinanceFixed Deposits

    14.00%

    LKR 1,630,000 · +630,000· check rate

  13. 13
    Central FinanceCF Term

    14.00%

    LKR 1,630,000 · +630,000· check rate

  14. 14
    Central FinanceCF Ultra

    14.00%

    LKR 1,630,000 · +630,000· check rate

  15. 15
    Singer FinanceStandard Fixed Deposits

    14.00%

    LKR 1,630,000 · +630,000

  16. 16
    UB FinanceFixed Deposits

    14.00%

    LKR 1,630,000 · +630,000· check rate

  17. 17
    Fintrex FinanceFixed Deposits

    13.80%

    LKR 1,621,000 · +621,000

  18. 18
    MBSL FinanceFixed Deposits

    13.75%

    LKR 1,618,750 · +618,750· check rate

  19. 19
    SDB BankFixed Deposit

    13.75%

    LKR 1,618,750 · +618,750· check rate

  20. 20
    Commercial Credit FinanceFixed Deposit

    13.50%

    LKR 1,607,500 · +607,500· check rate

  21. 21
    LCB FinanceLCB Fixed Deposits

    13.50%

    LKR 1,607,500 · +607,500· check rate

  22. 22
    Union BankFixed Deposits

    13.50%

    LKR 1,607,500 · +607,500

  23. 23
    Assetline FinanceFixed Deposits

    13.25%

    LKR 1,596,250 · +596,250· check rate

  24. 24
    AMF CompanyFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  25. 25
    Dialog FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  26. 26
    HDFC BankFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  27. 27
    HNB BankFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  28. 28
    Mahindra Ideal FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  29. 29
    NDB BankNDB Bank Fixed Deposit

    13.00%

    LKR 1,585,000 · +585,000· check rate

  30. 30
    PABC BankFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  31. 31
    People's Leasing & FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  32. 32
    Siyapatha FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000· check rate

  33. 33
    LB FinanceFixed Deposits

    12.75%

    LKR 1,573,750 · +573,750· check rate

  34. 34
    Vallibel FinanceFixed Deposits

    12.75%

    LKR 1,573,750 · +573,750

  35. 35
    Commercial BankFixed Deposits

    12.50%

    LKR 1,562,500 · +562,500· check rate

  36. 36
    DFCC BankFixed Deposit

    12.50%

    LKR 1,562,500 · +562,500· check rate

  37. 37
    Sampath BankSampath Sanhinda Fixed Deposits

    12.50%

    LKR 1,562,500 · +562,500· check rate

  38. 38
    Sampath BankFixed Deposits

    12.50%

    LKR 1,562,500 · +562,500· check rate

  39. 39
    Sampath BankCERTIFICATE OF DEPOSIT

    12.50%

    LKR 1,562,500 · +562,500· check rate

  40. 40
    Seylan BankRegular Fixed Deposit 2-60 months

    12.50%

    LKR 1,562,500 · +562,500· check rate

  41. 41
    Seylan BankLong Term Fixed Deposits

    12.50%

    LKR 1,562,500 · +562,500· check rate

  42. 42
    RDB BankRDB Fixed Deposits

    12.25%

    LKR 1,551,250 · +551,250· check rate

  43. 43
    Senkadagala FinanceFixed Deposit Accounts

    12.00%

    LKR 1,540,000 · +540,000· check rate

  44. 44
    HDFC BankVishrama Udana Fixed Deposit

    11.75%

    LKR 1,528,750 · +528,750· check rate

  45. 45
    Janashakthi FinanceFixed Deposits

    11.75%

    LKR 1,528,750 · +528,750· check rate

  46. 46
    People's Leasing & FinanceSenehasa Minor FD

    11.75%

    LKR 1,528,750 · +528,750· check rate

  47. 47
    NTB BankFixed Deposits

    11.25%

    LKR 1,506,250 · +506,250· check rate

  48. 48
    LOLC FinanceGeneral Fixed Deposit Accounts

    11.00%

    LKR 1,495,000 · +495,000· check rate

  49. 49
    NSB BankFixed Deposits

    8.25%

    LKR 1,371,250 · +371,250· check rate

  50. 50
    Sampath BankKalin Cash

    7.69%

    LKR 1,346,050 · +346,050· check rate

Banks vs finance companies for 60 months (5 years)

Licensed banks

Best
15.25%
Average
12.52%
Offers
21

Top: Cargills Bank

Finance companies

Best
16.00%
Average
13.58%
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

48 months (4 years) FD rates

Best 15.50% · average 12.07% · -0.50 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 60 months (5 years) FD rate in Sri Lanka?

Softlogic Finance currently pays the highest 60 months (5 years) rate we track, 16.00% p.a. LKR 1,000,000 deposited for 60 months (5 years) returns LKR 1,720,000 after 10% AIT.

Which bank pays the most for a 60 months (5 years) fixed deposit?

Among licensed banks, Cargills Bank leads at 15.25%. The best finance company rate is 16.00% from Softlogic Finance.

What is the average 60 months (5 years) FD rate?

The average across 50 deposits is 13.13% and the median is 13.00%. 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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