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Home › Fixed Deposit Rates › Rate History

Sri Lanka FD Rate History

How fixed deposit rates at Sri Lankan banks and licensed finance companies have moved, built from a daily snapshot of every published rate on AnyBanq. Updated 9 November 2026.

Best 12-month rate

13.00%

-0.50 ppRichard Pieris Finance

Market average (12M)

10.52%

+0.30 pp54 products

Biggest riser

+2.00 pp

Mahindra Ideal Finance: 9.75% → 11.75%

Best-to-lowest spread

5.75 pp

-1.00 pp

Today's rate curve

Standard LKR deposits, gross % p.a. by tenure. Every trend line on this page starts from snapshots like this one.

Tracking timeline

Daily tracking started 20 October 2026 — 20 days ago. Next: one-month view in 10 days.

  1. Day 0

    Tracking starts

    20 October 2026

  2. Day 1 ✓

    First trend line

  3. Day 30

    One-month view

  4. Day 90

    Quarterly trends

  5. Day 365

    Year-on-year comparison

Charts

Best vs market average — 12-month FD

Standard LKR deposits; senior-citizen and foreign-currency products excluded.

Average rate by tenure

How the yield curve for deposits has moved — a widening gap rewards locking in longer.

Compare institutions over time

Pick up to 3 banks or finance companies. Each line is that institution's best standard 12-month rate.

Richard Pieris FinanceMahindra Ideal Finance

What the numbers say

Since 20 October 2026, the average standard 12-month FD rate rose +0.30 pp to 10.52%, while the best rate on offer fell 0.50 pp to 13.00% (Richard Pieris Finance).

Of the institutions we tracked from the start, 8 raised their best 12-month rate, 6 cut it and 30 left it unchanged.

The gap between the highest and lowest 12-month rate is 5.75 percentage points today, narrower than when tracking began. On a deposit of LKR 1,000,000 for a year, that difference is worth about LKR 51,750 after 10% AIT — choosing where to deposit matters.

By type of institution, state banks average 9.00%, private banks average 9.83%, finance companies average 11.37% for 12 months. Licensed finance companies pay a premium over banks to attract deposits — weigh it against their credit rating and the deposit insurance limit.

Across tenures, 24-month deposits average 11.45% against 9.11% for 3 months — a 2.34 pp premium for locking money away longer.

12-month rate change by institution

Each institution's best standard 12-month LKR rate, first capture vs 9 November 2026.

InstitutionTypeFirst trackedNowChange
Mahindra Ideal FinanceFinance company9.75%20 October 202611.75%+2.00 pp
Union BankPrivate bank9.00%20 October 202610.50%+1.50 pp
Asia Asset FinanceFinance company10.88%20 October 202612.00%+1.12 pp
NDB BankPrivate bank10.00%20 October 202611.00%+1.00 pp
SBI BankPrivate bank6.75%20 October 20267.25%+0.50 pp
Siyapatha FinanceFinance company9.75%20 October 202610.00%+0.25 pp
HDFC BankState bank9.50%20 October 20269.75%+0.25 pp
Amãna BankPrivate bank9.50%22 October 20269.52%+0.02 pp
SMB Finance PLCFinance company12.88%22 October 202612.88%no change
Softlogic FinanceFinance company12.88%20 October 202612.88%no change
Fintrex FinanceFinance company12.25%22 October 202612.25%no change
Assetline FinanceFinance company12.00%20 October 202612.00%no change
Cargills BankPrivate bank12.00%20 October 202612.00%no change
People's Leasing & FinanceFinance company12.00%20 October 202612.00%no change
PMF FinanceFinance company12.00%22 October 202612.00%no change
Sarvodaya Development FinanceFinance company11.75%20 October 202611.75%no change
Central FinanceFinance company11.50%20 October 202611.50%no change
HNB FinanceFinance company11.50%22 October 202611.50%no change
Janashakthi FinanceFinance company11.50%29 October 202611.50%no change
LB FinanceFinance company11.50%22 October 202611.50%no change
Vallibel FinanceFinance company11.50%20 October 202611.50%no change
SDB BankPrivate bank11.00%22 October 202611.00%no change
Singer FinanceFinance company11.00%22 October 202611.00%no change
Alliance FinanceFinance company10.50%20 October 202610.50%no change
CBC FinanceFinance company10.50%20 October 202610.50%no change
CDB FinanceFinance company10.00%20 October 202610.00%no change
Commercial BankPrivate bank10.00%20 October 202610.00%no change
HNB BankPrivate bank10.00%20 October 202610.00%no change
NTB BankPrivate bank10.00%20 October 202610.00%no change
RDB BankState bank10.00%20 October 202610.00%no change
Sampath BankPrivate bank10.00%20 October 202610.00%no change
Senkadagala FinanceFinance company10.00%20 October 202610.00%no change
Seylan BankPrivate bank10.00%22 October 202610.00%no change
UB FinanceFinance company10.00%20 October 202610.00%no change
LOLC FinanceFinance company9.00%20 October 20269.00%no change
PABC BankPrivate bank9.00%20 October 20269.00%no change
MCB BankPrivate bank7.35%20 October 20267.35%no change
NSB BankState bank7.25%20 October 20267.25%no change
LCB FinanceFinance company12.13%20 October 202611.88%-0.25 pp
Richard Pieris FinanceFinance company13.50%20 October 202613.00%-0.50 pp
Dialog FinanceFinance company11.50%20 October 202611.00%-0.50 pp
MBSL FinanceFinance company11.50%20 October 202611.00%-0.50 pp
DFCC BankPrivate bank10.50%20 October 202610.00%-0.50 pp
Commercial Credit FinanceFinance company12.75%20 October 202612.00%-0.75 pp
View the market series as a table
DateBest 12MAvg 12MAvg 3MAvg 6MAvg 24M
9 November 202613.00%10.52%9.11%9.67%11.45%
8 November 202613.00%10.52%9.11%9.67%11.45%
7 November 202613.00%10.52%9.11%9.67%11.45%
6 November 202613.50%10.50%9.11%9.66%11.47%
5 November 202613.50%10.42%9.14%9.64%11.42%
4 November 202613.50%10.47%9.19%9.71%11.49%
3 November 202613.50%10.41%9.15%9.70%11.33%
2 November 202613.50%10.48%9.08%9.68%11.54%
1 November 202613.50%10.39%9.13%9.63%11.30%
31 October 202613.50%10.37%9.05%9.65%11.39%
30 October 202613.50%10.43%9.15%9.63%11.39%
29 October 202613.50%10.46%9.13%9.66%11.47%
28 October 202613.50%10.51%9.16%9.70%11.46%
27 October 202613.50%10.51%9.16%9.70%11.46%
26 October 202613.50%10.51%9.16%9.70%11.46%
25 October 202613.50%10.51%9.16%9.70%11.46%
24 October 202613.50%10.51%9.16%9.70%11.46%
23 October 202613.50%10.51%9.16%9.70%11.46%
22 October 202613.50%10.42%9.08%9.62%11.38%
21 October 202613.50%10.23%9.02%9.53%11.20%
20 October 202613.50%10.22%9.00%9.51%11.19%

Compare today's FD rates

Every bank and finance company, every tenure.

FD calculator

Interest after 10% AIT and your maturity value.

Fixed deposit guide

Tenures, tax, safety and laddering explained.

Rates are the gross annual rates published by each institution for standard LKR deposits, paid at maturity. Senior-citizen and foreign-currency deposits are excluded from these figures. Past rates do not predict future rates, and nothing here is financial advice. See how we collect and rank rates.

FD rate history — questions

Are fixed deposit rates in Sri Lanka going up or down?

Since 20 October 2026 the average standard 12-month rate has moved +0.30 pp to 10.52%, and the best available rate is 13.00%. FD rates follow the Central Bank's policy rate and banks' need for deposits, so they can change at short notice.

Who pays the highest 12-month FD rate right now?

Richard Pieris Finance currently offers the best standard 12-month rate we track, at 13.00% p.a. See the full ranking on our 12-month FD rates page before you decide — the best rate is not always at the institution with the strongest credit rating.

Why do finance companies pay more than banks?

Licensed finance companies generally have a higher cost of funds and less access to cheap current-account deposits than banks, so they offer higher rates to attract fixed deposits. That premium is compensation for higher risk; check the company's credit rating and remember deposit insurance only covers deposits up to a limit per depositor per institution.

Where does this rate history come from?

Every day an automated job records the published rate for every fixed deposit listed on AnyBanq — the full ladder from 1 month to 5 years — into a dated snapshot. Nothing is back-filled or estimated: the history starts on the first day captured. See our methodology for details.

Should I lock in a long-term FD now?

If you expect rates to fall, a longer tenure locks in today's rate; if you expect them to rise, shorter tenures or a ladder of deposits maturing at different dates keep you flexible. Our FD guide explains laddering, and this page is not financial advice.

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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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