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

60-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 60 months (5 years) · market average 13.23% · after 10% AIT

  1. 1

    SMB Finance PLC

    Fixed Deposits · Finance company

    16.00%

    LKR 1,720,000 at maturity · LKR 720,000 interest+124,479 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+124,479 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+90,729 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 SMB Finance PLC, against a market average of 13.23%. 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: SMB Finance PLC pays 16.00%, while the best bank, Cargills Bank, pays 15.25%.

Best 5Y rate

16.00%

SMB Finance PLC

Best bank (5Y)

15.25%

Cargills Bank

Market average (5Y)

13.23%

Median 13.25%

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 — November 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
SMB Finance PLCFixed Depositsverified today
Best
Finance company16.00%LKR 720,000LKR 1,720,000
CalculateDetails
2
Softlogic FinanceFixed Depositsverified today
Best
Finance company16.00%LKR 720,000LKR 1,720,000
CalculateDetails
3
Cargills BankWishrama Fixed Depositsverified today
Private bank15.25%LKR 686,250LKR 1,686,250
CalculateDetails
4
Cargills BankCargills Bank Fixed Depositverified today
Private bank15.00%LKR 675,000LKR 1,675,000
CalculateDetails
5
PMF FinanceFIXED DEPOSITverified today
Finance company15.00%LKR 675,000LKR 1,675,000
CalculateDetails
6
PABC BankRising Fixed Depositsverified 76d ago — check with bank
Private bank14.75%LKR 663,750LKR 1,663,750
CalculateDetails
7
Alliance FinanceFixed Depositverified today
Finance company14.50%0.50LKR 652,500LKR 1,652,500
CalculateApply
8
HNB FinanceFixed Depositsverified today
Finance company14.50%LKR 652,500LKR 1,652,500
CalculateDetails
9
Richard Pieris FinanceFixed Deposits and Savingsverified 3d ago
Finance company14.50%0.25LKR 652,500LKR 1,652,500
CalculateDetails
10
Sarvodaya Development FinanceFixed Depositsverified today
Finance company14.50%LKR 652,500LKR 1,652,500
CalculateDetails
11
Asia Asset FinanceFixed Depositsverified 3d ago
Finance company14.25%LKR 641,250LKR 1,641,250
CalculateDetails
12
CDB FinanceCDB Fixed Depositverified today
Finance company14.00%1.00LKR 630,000LKR 1,630,000
CalculateDetails
13
Central FinanceCF Termverified today
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
14
Central FinanceCF Ultraverified today
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
15
Singer FinanceStandard Fixed Depositsverified today
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
16
UB FinanceFixed Depositsverified 129d ago — check with bank
Finance company14.00%LKR 630,000LKR 1,630,000
CalculateDetails
17
Fintrex FinanceFixed Depositsverified today
Finance company13.80%LKR 621,000LKR 1,621,000
CalculateDetails
18
SDB BankFixed Depositverified today
Private bank13.75%LKR 618,750LKR 1,618,750
CalculateDetails
19
LOLC FinanceGeneral Fixed Deposit Accountsverified today
Finance company13.70%2.70LKR 616,500LKR 1,616,500
CalculateDetails
20
CBC FinanceFixed Depositsverified today
Finance company13.50%0.50LKR 607,500LKR 1,607,500
CalculateDetails
21
Commercial Credit FinanceFixed Depositverified today
Finance company13.50%LKR 607,500LKR 1,607,500
CalculateDetails
22
LCB FinanceLCB Fixed Depositsverified today
Finance company13.50%LKR 607,500LKR 1,607,500
CalculateDetails
23
Union BankFixed Depositsverified 4d ago
Private bank13.50%LKR 607,500LKR 1,607,500
CalculateDetails
24
Assetline FinanceFixed Depositsverified today
Finance company13.25%LKR 596,250LKR 1,596,250
CalculateDetails
25
HDFC BankVishrama Udana Fixed Depositverified today
State bank13.25%LKR 596,250LKR 1,596,250
CalculateDetails
26
MBSL FinanceFixed Depositsverified today
Finance company13.25%0.50LKR 596,250LKR 1,596,250
CalculateDetails
27
Dialog FinanceFixed Depositsverified 19d ago
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
28
HDFC BankFixed Depositsverified today
State bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
29
HNB BankFixed Depositsverified today
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
30
NDB BankNDB Bank Fixed Depositverified today
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
31
PABC BankFixed Depositsverified 76d ago — check with bank
Private bank13.00%LKR 585,000LKR 1,585,000
CalculateDetails
32
People's Leasing & FinanceFixed Depositsverified today
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
33
Siyapatha FinanceFixed Depositsverified today
Finance company13.00%LKR 585,000LKR 1,585,000
CalculateDetails
34
Janashakthi FinanceFixed Depositsverified today
Finance company12.75%LKR 573,750LKR 1,573,750
CalculateDetails
35
LB FinanceFixed Depositsverified today
Finance company12.75%LKR 573,750LKR 1,573,750
CalculateDetails
36
Vallibel FinanceFixed Depositsverified today
Finance company12.75%LKR 573,750LKR 1,573,750
CalculateDetails
37
Commercial BankFixed Depositsverified 164d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
38
DFCC BankFixed Depositverified 100d ago — check with bank
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
39
Mahindra Ideal FinanceFixed Depositsverified today
Finance company12.50%0.50LKR 562,500LKR 1,562,500
CalculateDetails
40
Sampath BankFixed Depositsverified today
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
41
Sampath BankCERTIFICATE OF DEPOSITverified today
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
42
Sampath BankSampath Sanhinda Fixed Depositsverified today
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
43
Seylan BankRegular Fixed Deposit 2-60 monthsverified today
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
44
Seylan BankLong Term Fixed Depositsverified today
Private bank12.50%LKR 562,500LKR 1,562,500
CalculateDetails
45
RDB BankRDB Fixed Depositsverified today
State bank12.25%LKR 551,250LKR 1,551,250
CalculateDetails
46
Senkadagala FinanceFixed Deposit Accountsverified 122d ago — check with bank
Finance company12.00%LKR 540,000LKR 1,540,000
CalculateDetails
47
People's Leasing & FinanceSenehasa Minor FDverified today
Finance company11.75%LKR 528,750LKR 1,528,750
CalculateDetails
48
NTB BankFixed Depositsverified 154d ago — check with bank
Private bank11.25%LKR 506,250LKR 1,506,250
CalculateDetails
49
NSB BankFixed Depositsverified today
State bank8.25%LKR 371,250LKR 1,371,250
CalculateDetails
50
Sampath BankKalin Cashverified today
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

  4. 4
    Cargills BankCargills Bank Fixed Deposit

    15.00%

    LKR 1,675,000 · +675,000

  5. 5
    PMF FinanceFIXED DEPOSIT

    15.00%

    LKR 1,675,000 · +675,000

  6. 6
    PABC BankRising Fixed Deposits

    14.75%

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

  7. 7
    Alliance FinanceFixed Deposit

    14.50%

    0.50

    LKR 1,652,500 · +652,500

  8. 8
    HNB FinanceFixed Deposits

    14.50%

    LKR 1,652,500 · +652,500

  9. 9
    Richard Pieris FinanceFixed Deposits and Savings

    14.50%

    0.25

    LKR 1,652,500 · +652,500

  10. 10
    Sarvodaya Development FinanceFixed Deposits

    14.50%

    LKR 1,652,500 · +652,500

  11. 11
    Asia Asset FinanceFixed Deposits

    14.25%

    LKR 1,641,250 · +641,250

  12. 12
    CDB FinanceCDB Fixed Deposit

    14.00%

    1.00

    LKR 1,630,000 · +630,000

  13. 13
    Central FinanceCF Term

    14.00%

    LKR 1,630,000 · +630,000

  14. 14
    Central FinanceCF Ultra

    14.00%

    LKR 1,630,000 · +630,000

  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
    SDB BankFixed Deposit

    13.75%

    LKR 1,618,750 · +618,750

  19. 19
    LOLC FinanceGeneral Fixed Deposit Accounts

    13.70%

    2.70

    LKR 1,616,500 · +616,500

  20. 20
    CBC FinanceFixed Deposits

    13.50%

    0.50

    LKR 1,607,500 · +607,500

  21. 21
    Commercial Credit FinanceFixed Deposit

    13.50%

    LKR 1,607,500 · +607,500

  22. 22
    LCB FinanceLCB Fixed Deposits

    13.50%

    LKR 1,607,500 · +607,500

  23. 23
    Union BankFixed Deposits

    13.50%

    LKR 1,607,500 · +607,500

  24. 24
    Assetline FinanceFixed Deposits

    13.25%

    LKR 1,596,250 · +596,250

  25. 25
    HDFC BankVishrama Udana Fixed Deposit

    13.25%

    LKR 1,596,250 · +596,250

  26. 26
    MBSL FinanceFixed Deposits

    13.25%

    0.50

    LKR 1,596,250 · +596,250

  27. 27
    Dialog FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  28. 28
    HDFC BankFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  29. 29
    HNB BankFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  30. 30
    NDB BankNDB Bank Fixed Deposit

    13.00%

    LKR 1,585,000 · +585,000

  31. 31
    PABC BankFixed Deposits

    13.00%

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

  32. 32
    People's Leasing & FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  33. 33
    Siyapatha FinanceFixed Deposits

    13.00%

    LKR 1,585,000 · +585,000

  34. 34
    Janashakthi FinanceFixed Deposits

    12.75%

    LKR 1,573,750 · +573,750

  35. 35
    LB FinanceFixed Deposits

    12.75%

    LKR 1,573,750 · +573,750

  36. 36
    Vallibel FinanceFixed Deposits

    12.75%

    LKR 1,573,750 · +573,750

  37. 37
    Commercial BankFixed Deposits

    12.50%

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

  38. 38
    DFCC BankFixed Deposit

    12.50%

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

  39. 39
    Mahindra Ideal FinanceFixed Deposits

    12.50%

    0.50

    LKR 1,562,500 · +562,500

  40. 40
    Sampath BankFixed Deposits

    12.50%

    LKR 1,562,500 · +562,500

  41. 41
    Sampath BankCERTIFICATE OF DEPOSIT

    12.50%

    LKR 1,562,500 · +562,500

  42. 42
    Sampath BankSampath Sanhinda Fixed Deposits

    12.50%

    LKR 1,562,500 · +562,500

  43. 43
    Seylan BankRegular Fixed Deposit 2-60 months

    12.50%

    LKR 1,562,500 · +562,500

  44. 44
    Seylan BankLong Term Fixed Deposits

    12.50%

    LKR 1,562,500 · +562,500

  45. 45
    RDB BankRDB Fixed Deposits

    12.25%

    LKR 1,551,250 · +551,250

  46. 46
    Senkadagala FinanceFixed Deposit Accounts

    12.00%

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

  47. 47
    People's Leasing & FinanceSenehasa Minor FD

    11.75%

    LKR 1,528,750 · +528,750

  48. 48
    NTB BankFixed Deposits

    11.25%

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

  49. 49
    NSB BankFixed Deposits

    8.25%

    LKR 1,371,250 · +371,250

  50. 50
    Sampath BankKalin Cash

    7.69%

    LKR 1,346,050 · +346,050

Get an email when FD rates beat your target

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Alerts are part of your AnyBanQ account: sign in or create a free one, and you'll come back here.

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 60-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 60 months (5 years)

Licensed banks

Best
15.25%
Average
12.59%
Offers
21

Top: Cargills Bank

Finance companies

Best
16.00%
Average
13.70%
Offers
29

Top: SMB Finance PLC

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 12.21% · -0.50 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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  • Senior citizen FD 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?

SMB Finance PLC 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 SMB Finance PLC.

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

The average across 50 deposits is 13.23% and the median is 13.25%. 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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