Cargills Bank Fixed Deposit Rates — October 2026
Private bank
Rates last verified
Cargills Bank publishes 2 fixed deposit products covering 8 tenures. Below are its current rates, how each one ranks against the 65 standard deposits we track, and what LKR 1,000,000 earns after tax. View the Cargills Bank profile.
What Cargills Bank pays you — and how it compares
Wishrama Fixed Deposits · 12 months (1 year)
12.00%
LKR 1,108,000 at maturity · LKR 108,000 interest after AIT
Ranks #7 of 44 institutions. The best, Richard Pieris Finance at 13.50%, would pay LKR 13,500 more. Market average: 10.31%.
How it ranks in the market
1 month
8.75%
#14 of 51 · +0.86 vs avg
3 months
9.50%
#15 of 49 · +0.54 vs avg
6 months
9.75%
#18 of 51 · +0.26 vs avg
12 months (1 year)
12.00%
#7 of 54 · +1.69 vs avg
24 months (2 years)
11.00%
#26 of 52 · -0.22 vs avg
36 months (3 years)
13.50%
#6 of 51 · +1.85 vs avg
48 months (4 years)
12.25%
#23 of 50 · +0.18 vs avg
60 months (5 years)
15.25%
#3 of 50 · +2.12 vs avg
How Cargills Bank compares for 12 months (1 year)
No other private bank pays more than Cargills Bank's 12.00% for 12 months (1 year) right now.
Wishrama Fixed Deposits
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 12 months | 12.00% | LKR 1,108,000 |
| 36 months | 13.50% | LKR 1,364,500 |
| 60 months | 15.25% | LKR 1,686,250 |
- Earn a higher rate of interest than standard fixed deposit
- Select a plan for 1 year, 3 years or 5 years and receive interest either monthly or at maturity
- Get a Cashback Loan up to 90% of the deposit at the rate of (AER) + 2.50%
Cargills Bank Fixed Deposit
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 8.75% | LKR 1,006,563 |
| 3 months | 9.50% | LKR 1,021,375 |
| 6 months | 9.75% | LKR 1,043,875 |
| 12 months | 10.00% | LKR 1,090,000 |
| 24 months | 11.00% | LKR 1,198,000 |
| 36 months | 11.60% | LKR 1,313,200 |
| 48 months | 12.25% | LKR 1,441,000 |
| 60 months | 15.00% | LKR 1,675,000 |
- Standard fixed deposits tenor starting from 1 month to 60 months
- Deposits with monthly and maturity interest payments
- Ability to obtain overdraft and loan facilities up to 90% of the fixed deposit value
Frequently asked questions
What is the highest FD rate at Cargills Bank?
Cargills Bank's highest published rate is 15.25% p.a. for 60 months on its Wishrama Fixed Deposits.
How does Cargills Bank's 1-year FD rate compare?
Cargills Bank pays up to 12.00% for 12 months, above the market average of 10.31%; the best 12-month rate anywhere is 13.50% at Richard Pieris Finance.
How many fixed deposit products does Cargills Bank offer?
We list 2 fixed deposit products from Cargills Bank: Wishrama Fixed Deposits, Cargills Bank Fixed Deposit.
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.