Commercial Bank Fixed Deposit Rates — October 2026
Private bank
Rates last verified
Commercial Bank publishes 6 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 Commercial Bank profile.
What Commercial Bank pays you — and how it compares
Fixed Deposits · 12 months (1 year)
10.00%
LKR 1,090,000 at maturity · LKR 90,000 interest after AIT
Ranks #24 of 44 institutions. The best, Richard Pieris Finance at 13.50%, would pay LKR 31,500 more. Market average: 10.31%.
How it ranks in the market
1 month
9.00%
#10 of 51 · +1.11 vs avg
3 months
9.00%
#18 of 49 · +0.04 vs avg
6 months
9.75%
#18 of 51 · +0.26 vs avg
12 months (1 year)
10.00%
#25 of 54 · -0.31 vs avg
24 months (2 years)
11.00%
#26 of 52 · -0.22 vs avg
36 months (3 years)
11.50%
#25 of 51 · -0.15 vs avg
48 months (4 years)
12.00%
#25 of 50 · -0.07 vs avg
60 months (5 years)
12.50%
#35 of 50 · -0.63 vs avg
Similar institutions paying more for 12 months (1 year)
Call Deposits
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 3.00% | LKR 1,002,250 |
- You can earn a higher rate within a short time span.
- You have to place your deposit for just 7 days.
- Even instant withdrawals can be made at reduced rates.
Millionaire Investment Plan
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 9.00% | LKR 1,006,750 |
- You have the opportunity to invest in a fixed monthly amount over a period of 2, 3, 4, 5 or 6 years.
- According to your requirement, you can receive any amount starting from Rs.500,000/- (in multiples of Rs.500,000/-).
- The monthly amount that you need to deposit will vary depending on the investment period and the amount which you expect to receive.
- In the event of an unexpected demise, the nominee (nominated by the account holder) will receive the amount invested to date together with accrued interest.
Millionaire Investment Plan in Foreign Currency
Foreign currency
| Tenure | Rate p.a. |
|---|---|
| 36 months | 4.98% |
| 48 months | 5.10% |
| 60 months | 5.25% |
- You have the opportunity to invest a fixed amount monthly over a period of 3, 4 or 5 years.
- Depending on your ‘Target Amount’, you can invest to for a final sum of 10,000/-, 25,000/-, 50,000/-, 100,000/-, or 250,000/- in a currency of your choice.
- The ‘Monthly Deposit’ amount will vary depending on the ‘Investment Period’ and ‘Target Amount’.
- The monthly deposit to be routed through your Personal Foreign Currency Account (PFCA).
Personal Foreign Currency Fixed Deposits
Foreign currency
| Tenure | Rate p.a. |
|---|---|
| 1 month | 3.00% |
| 3 months | 3.50% |
| 6 months | 3.75% |
| 12 months | 4.25% |
| 24 months | 4.35% |
| 36 months | 4.43% |
| 48 months | 4.53% |
- Earn a higher interest for your foreign currency deposits depending on the tenor.
- The interest will be credited to you at maturity.
- Earn interest in the same currency of the deposit.
- Free Premium Credit Card with complimentary airport lounge access and travel insurance.
Fixed Deposits
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 8.00% | LKR 1,006,000 |
| 2 months | 8.25% | LKR 1,012,375 |
| 3 months | 9.00% | LKR 1,020,250 |
| 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 | 11.50% | LKR 1,310,500 |
| 48 months | 12.00% | LKR 1,432,000 |
| 60 months | 12.50% | LKR 1,562,500 |
- You can earn a higher rate of interest.
- You can request the Bank to renew your deposit at maturity, with interest earned added to the capital or renew just the capital.
- If you are already registered for our ComBank Digital Banking facility, you can place Fixed Deposits online at any convenient time, by directly debiting your account
- You can receive up to 90% of your Fixed Deposit as a cash advance
Money Market Account
Standard deposit
| Tenure | Rate p.a. | LKR 1M at maturity (after AIT) |
|---|---|---|
| 1 month | 7.50% | LKR 1,005,625 |
- you will receive a higher interest rate for your funds
- You can enjoy the flexibility of withdrawing at any time
- Money Market Account gives the flexibility of a Call Deposit while retaining the high interest rate of a Time Deposit. A minimum account balance of Rs.100,000/- should be maintained to earn the special interest rate.
Frequently asked questions
What is the highest FD rate at Commercial Bank?
Commercial Bank's highest published rate is 12.50% p.a. for 60 months on its Fixed Deposits.
How does Commercial Bank's 1-year FD rate compare?
Commercial Bank pays up to 10.00% for 12 months, below 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 Commercial Bank offer?
We list 6 fixed deposit products from Commercial Bank: Call Deposits, Millionaire Investment Plan, Millionaire Investment Plan in Foreign Currency, Personal Foreign Currency Fixed Deposits, Fixed Deposits, Money Market Account.
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.