Central Finance Fixed Deposit Rates — October 2026
Finance company
Rates last verified
Central Finance publishes 4 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 Central Finance profile.
What Central Finance pays you — and how it compares
CF Term · 12 months (1 year)
11.50%
LKR 1,103,500 at maturity · LKR 103,500 interest after AIT
Ranks #11 of 44 institutions. The best, Richard Pieris Finance at 13.50%, would pay LKR 18,000 more. Market average: 10.31%.
How it ranks in the market
1 month
7.50%
#33 of 51 · -0.39 vs avg
3 months
8.50%
#32 of 49 · -0.46 vs avg
6 months
10.00%
#16 of 51 · +0.51 vs avg
12 months (1 year)
11.50%
#11 of 54 · +1.19 vs avg
24 months (2 years)
12.25%
#15 of 52 · +1.03 vs avg
36 months (3 years)
13.00%
#9 of 51 · +1.35 vs avg
48 months (4 years)
13.50%
#8 of 50 · +1.43 vs avg
60 months (5 years)
14.00%
#11 of 50 · +0.87 vs avg
Similar institutions paying more for 12 months (1 year)
Richard Pieris Finance13.50%+LKR 18,000 on LKR 1,000,000 after AIT vs Central Finance
SMB Finance PLC12.88%+LKR 12,420 on LKR 1,000,000 after AIT vs Central Finance
Softlogic Finance12.88%+LKR 12,420 on LKR 1,000,000 after AIT vs Central Finance
Commercial Credit Finance12.75%+LKR 11,250 on LKR 1,000,000 after AIT vs Central Finance
CF Term
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 12 months | 11.50% | LKR 1,103,500 |
| 24 months | 12.25% | LKR 1,220,500 |
| 36 months | 13.00% | LKR 1,351,000 |
| 48 months | 13.50% | LKR 1,486,000 |
| 60 months | 14.00% | LKR 1,630,000 |
- This is a standard fixed deposit scheme where deposits could be placed for a fixed period of time ranging from 9 Months to 60 Months.
- Depositors have the option of receiving their interest either monthly or maturity.
CF Excel
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 7.50% | LKR 1,005,625 |
| 3 months | 8.50% | LKR 1,019,125 |
| 6 months | 10.00% | LKR 1,045,000 |
- This is a short-term deposit scheme which permits the depositor to choose a deposit period ranging from 1 month to 6 months.
- Interest will be paid monthly or at maturity.
CF Senior Citizen Deposit
Senior citizens (60+)
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 7.50% | LKR 1,005,625 |
| 3 months | 8.50% | LKR 1,019,125 |
| 6 months | 10.00% | LKR 1,045,000 |
| 12 months | 12.00% | LKR 1,108,000 |
| 24 months | 12.75% | LKR 1,229,500 |
| 36 months | 13.50% | LKR 1,364,500 |
| 48 months | 14.00% | LKR 1,504,000 |
| 60 months | 14.50% | LKR 1,652,500 |
- This is a special Fixed deposit scheme introduced for savers who are 60 years of age and above offered with high returns and special benefits.
- Interest will be paid monthly or at maturity.
CF Ultra
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 12 months | 11.50% | LKR 1,103,500 |
| 24 months | 12.25% | LKR 1,220,500 |
| 36 months | 13.00% | LKR 1,351,000 |
| 48 months | 13.50% | LKR 1,486,000 |
| 60 months | 14.00% | LKR 1,630,000 |
- This Fixed deposit product provides the flexibility to invest in small-value deposits to suit your budget.
- The minimum deposit accepted under this scheme is determined time to time according to the variation of interest rates.
- Interest is paid only at maturity and the period of deposit ranges from 12 to 60 months.
Frequently asked questions
What is the highest FD rate at Central Finance?
Central Finance's highest published rate is 14.50% p.a. for 60 months on its CF Senior Citizen Deposit.
How does Central Finance's 1-year FD rate compare?
Central Finance 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 Central Finance offer?
We list 4 fixed deposit products from Central Finance: CF Term, CF Excel, CF Senior Citizen Deposit, CF Ultra.
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.