Fixed Deposits (FD)

Fixed Deposit (FD) is an investment option given to an individual to place his savings in a fixed term with short term maturities ranging from a minimum of one month to a maximum of five years in general. A Customer is given an opportunity to withdraw the funds upon maturity or have it renewed automatically for the same period. If the duration of the FD is placed requires changing, the Customer could provide new instructions at the renewal. Once the FD is placed, a Customer shall be given a FD confirmation as security. A Customer could also uplift the FD anytime with a prorated interest earning. However, a penalty fee will be charged from a Customer in the event of early termination of the deposit.


Bank Selection
Fixed Deposit Category
Foreign Currency Fixed Deposit
1 Month 2 Months 3 Months
3.50% (USD) -- 5.00% (USD)
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% (USD) 5.50% (USD) 5.60% (USD)
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
5.70% (USD) 5.85% (USD) 6.00% (USD)

Features
Competitive and attractive interest rates
You can open a foreign Currency Fixed Deposit for tenors of 1,3,6,12 Months
Maintain or remit funds on a selected currency or convert at a favorable with us.
Upon maturity, your deposit is automatically renewed for the same tenor at the prevailing interest rate
NRFC / RFC account holders are entitled for the Thilina Sayura benefit scheme and SFIDA personal account holders only for Thilina Sayura.
Premature account closure will be done at the Normal Savings interest rate.
Range of Currencies you can choose from 8 designated foreign currencies; USD, GBP, EUR, AUD, JPY, CHF, SGD, CAD

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SDB Regular Fixed Deposit
1 Month 2 Months 3 Months
12.00% -- 14.50%
6 Months 12 Months (1Y) 24 Months (2Y)
15.00% 16.00% 16.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
16.35% 16.40% 16.50%

Features
Attractive higher rate of interest
Maximum security for your investment
Immediate cash back facility of up to 90% of deposits
A Fixed Deposit can be opened with just Rs 10,000/-
Option to nominate a beneficiary/beneficiaries
Ability to open a joint account

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Call Deposits
1 Month 2 Months 3 Months
3.75% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Deposit is available for a minimum of 7 days
If the deposit is liquidated before 7 days from the date of placement (including the date of placement and excluding the date of liquidation), no interest rate will be paid
Product can be obtained in the form of RFC, NRFC or a joint account based on customer’s choice
Earn interest on your daily balances
High interest rate of 3.75% offered for the product

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5 Star Fixed Deposit
1 Month 2 Months 3 Months
N/A N/A N/A
6 Months 12 Months (1Y) 24 Months (2Y)
N/A N/A N/A
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
N/A N/A 18.00%

Features
Island-wide Branch network, ATM network & 365 day banking
Easy access Banking, Internet Banking / Mobile Banking
Register for E-Statement view your statement on the go even on your Smart phone
Credit Card against the Fixed Deposit or An instant loan against the Fixed Deposit.

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Fixed Deposit Accounts
1 Month 2 Months 3 Months
-- -- 3.75%
6 Months 12 Months (1Y) 24 Months (2Y)
4.00% 4.50% 4.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
High safety and security for your funds
Auto renewal of deposit, which ensures that you continue to earn interest even after your deposit matures
Liquidity, as your money is available to you at any time should you require it – simple on a request, no questions asked
The facility of loan on the deposit at a very nominal net cost
Nomination facility at free of charge

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Term Deposit
1 Month 2 Months 3 Months
Up to 6.00% -- Up to 6.50%
6 Months 12 Months (1Y) 24 Months (2Y)
Up to 7.00% Up to 7.50% Up to 8.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
Up to 9.00% Up to 9.00% --

Features
Attractive Interest Rates View Interest Rates, 1 - 48 Month Deposit Tenure, Rs. 100,000 Minimum Deposit
Option of opening a Current or Savings Account, Interest on monthly basis or at maturity
Cash backed loan against deposit, High Net worth? Be eligible for special interest rates and personalized service

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Savings Certificates
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
5.00% 6.00% 7.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
No need to be an account holder | Interest paid upfront
Face value is paid at maturity | Can make a nomination
Can be en-cashed in any branch | Denominations for periods of 6,12 and 24 months
Instant loan or overdraft could be easily obtained against the deposit
Withholding tax/duties and other taxes are applicable as per prevailing regulations
Can be en-cashed even before the maturity (at a reduced rate of interest for completed months)
Issued only in the name of an individual

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Senior Citizen Fixed Deposits
1 Month 2 Months 3 Months
-- -- 15.10%
6 Months 12 Months (1Y) 24 Months (2Y)
15.00% 15.50% 16.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
16.35% 16.50% 17.00%

Features
Attractive interest rates – Please Refer FD RATES
Deposits with monthly and annual interest payments
Standard fixed deposits with 1, 3, 6, 12, 24, 36, 48 and 60 month tenures
Fixed Deposits will be accepted as a security for loans, Guarantees etc.
Option to nominate a beneficiary

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Sampath Sanhinda Fixed Deposits
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 14.00% 15.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
Ensures security and a stable income for the future.
Highest Interest Rates – payable monthly or annually

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% -- 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 13.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
Ability to borrow up to 90% of the fixed deposit value by way of an overdraft or a loan
Attractive interest rates
Option to nominate a beneficiary with ability to open joint deposits
Inner Circle status and segment benefits for deposits over Rs.1,000,000
Private Banking status with personalized service for maintaining a monthly average credit balance of LKR. 10,000/- in Rupee Savings or Rupee Current account excluding investment planners AND
A total relationship of LKR 20 Million in both Assets and Liabilities or Liability relationship of LKR 10 Million or Remit a Net monthly Salary of LKR 500,000 to the Nations Salary Saver Account.
Now you can open Fixed Deposits via Nations Mobile App

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Fixed Deposits
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- 10.25 %

Features
Convenient Automatic renewal of your deposit, according to your renewal instructions at the time of placement.
Make changes to your settlement instructions by giving us two working days’ notice prior to the maturity date.
Withdraw from any one of our Branches
Ability to view your deposit details through mobile banking and Internet Banking facility.

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Personal Foreign Currency Fixed Deposits
1 Month 2 Months 3 Months
Contact Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Longer periods higher rates
Interest at maturity
Earn interest in the same currency of the deposit
You can receive Sri Lanka Rupee or Foreign currency Loans & advances against your deposit at concessional rates. This facility enables you to retain your Foreign Currency Deposits intact.
You will receive the option of appointing a nominee, to whom the funds in the account are to be paid, in the event of death of the account holder.
You can switch from one currency to another at competitive exchange rates.

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% -- 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 13.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
High interest rate
Remit/credit your interest to any party of your choice
Individually/jointly maintain your term deposit, you may appoint a nominee
Arrange an instant soft loan up to a maximum of 90% of the deposit
Collect your interest monthly or at maturity

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7 Day Call Deposits
1 Month 2 Months 3 Months
13.25% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Minimum deposit is Rs 100,000.00 | Minimum period is 7 days-(no maximum period)
Attractive interest rates | No need to be an account holder
Can make a nomination | Instant Loan/Overdraft can be easily obtained against the deposit
There is no maturity date and the depositor can withdraw by giving seven calender days notice in writing
Interest paid on withdrawals with 7 days’ Notice

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RDB Fixed Deposits
1 Month 2 Months 3 Months
15.00% 15.25% 15.50%
6 Months 12 Months (1Y) 24 Months (2Y)
15.75% 16.00% 17.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
17.25% 17.50% 17.75%

Features
RDB fixed deposits are identified as a popular mode of investments among its individual and corporate customers.
FDs are available at RDB for periods of 1, 2, 3 and 6 months as well as 1-5 years.
Since the inception, the Bank was able to provide very attractive interest rates compared to other banks.
Special interest rates are offered for fixed deposits with maturity periods of 1 year and above.

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RDB – Jaya Nidhana Certificates
1 Month 2 Months 3 Months
Contact Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
This is a certificate which gives the face values amounting to LKR 5,000.00, LKR 10,000.00, LKR 25,000.00, LKR 100,000.00, LKR 500,000.00, LKR 1,000,000.00.
Mainly this product aims to enhance the fixed deposit portfolio of the Bank to provide a helping hand to specially develop the small scale entrepreneurs in the country.
A special feature of this product is that customers can deposit their money at discounted value in terms of face value (future value) after maturity.

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Kapthura
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 14.50% 15.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.75% 16.00% 16.75%

Features
Attractive interest rates
Deposits with monthly and annual interest payments
Standard fixed deposits with 1, 3, 6, 12, 24, 36, 48 and 60 month tenures
Fixed Deposits will be accepted as a security for loans, Guarantees etc.
Option to nominate a beneficiary

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Fixed Deposit - Normal
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 14.50% 15.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.75% 16.00% 16.25%

Features
A renewal notice will be sent and you at the time of renewal.
The bank will consider the balance of the fixed deposit account when considerate customer value.
You can obtain a cash margin loan on the balance of the account.

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NATIONAL SAVINGS CERTIFICATE
1 Month 2 Months 3 Months
-- -- 12.75%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.25% 13.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.75% 14.00% --

Features
If you surrender your certificate at the maturity, your interest is paid from the date of maturity.
National Savings Certificate is a saving product which pays interest upfront without waiting for maturity.

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Senior Foreign Nationals’ Fixed Deposit
1 Month 2 Months 3 Months
Refer Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Inward Remittances credited to Accounts free of charge
100% protection on your investments

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SDB Upahara Fixed Deposit
1 Month 2 Months 3 Months
12.00% -- 14.75%
6 Months 12 Months (1Y) 24 Months (2Y)
15.25% 16.25% 16.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
16.60% 16.65% 16.75%

Features
A higher rate of interest for your life’s savings to ensure a stress-free retirement life, the SDB Upahara Fixed Deposit is specially designed for the treasured senior citizens of Sri Lanka
A highly attractive interest rate of 15% per annum for fixed deposits up to Rs. 1.5 million for senior citizens above 60 years of age
A special interest rate for account holders above 55 years of age

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Call Deposits
1 Month 2 Months 3 Months
5.50% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Minimum Term Period of 7 days
Interest calculated daily
Island wide branch network

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Senior Citizens FDs
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 12.00% to 15.00% --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Minimum Deposit Rs. 10,000/- | Period – 1 Year
Higher interest rate | Payment of interest - at maturity or monthly
Nomination – A Person/Persons can be nominated to disburse the balance at the death of the account holder

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Millennium 30
1 Month 2 Months 3 Months
13.50% N/A N/A
6 Months 12 Months (1Y) 24 Months (2Y)
N/A N/A N/A
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
N/A N/A N/A

Features
“Millennium 30” short term fixed deposit with an invest period of 30 days. The deposit could be placed with a minimum amount of Rs 100,000/-. Interest could be earned at maturity. (After 30 days)
Credit Card against the Fixed Deposit or An instant loan against the Fixed Deposit
Easy access Banking including Internet Banking / SMS Banking / Mobile Banking
Islandwide Branch network, ATM network & 365 day banking
Register for E-Statement with check the statement on the go even on your Smart phone

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Rising Fixed Deposits
1 Month 2 Months 3 Months
N/A N/A N/A
6 Months 12 Months (1Y) 24 Months (2Y)
N/A N/A 18.96%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
19.17% 19.40% 19.62%

Features
Helps you to increase your interest rate in line with the market rate increases and also safeguards you from the risk of interest rate decreases.
Maximum security for your deposit
A 2 year Fixed deposit where interest can only go up!

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Call Deposits
1 Month 2 Months 3 Months
Up to 3.50% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
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

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Normal Fixed Deposits
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 12.00% 14.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.00% 15.25% 15.50%

Features
Payment of Interest (for Minimum Rs. 500,000)
Interest Payable at Maturity for all types
Monthly interest on deposits of one year and above

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DIRIYA
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 5.60% 5.60%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.79% 6.79% 6.79%

Features
DIRIYA, is an investment plan account designed to set aside a fixed amount of savings every month (fixed monthly installment) to achieve a target amount at the end of an agreed period, which will help the customer to secure the future needs and confidence to take life with a firm financial foundation.
No Minimum Balance Fee
SMS Alert Free of Charge
IB & MB Free of Charge
Standing Instruction Setup Free of Charge
Customers can select the investment periods ranging from 1 – 10 years to start with their investment plan.

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HNB Senior Citizens Scheme
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 15.00% to 15.00% --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Higher interest rates on savings and fixed deposits
No service charges on current accounts
Priority service and free HNB International Debit Card
Internet/Mobile Banking Free (01st Year)
25% discount on annual fees of the credit cards
Gift Vouchers up to Rs. 10,000/-for Savings Accounts maintained for a period of one year
Reimbursement of Hospitalization expenses upto Rs. 70,000/- for Fixed Deposits above Rs. 500,000/-

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“Sathkara” for Gov.Servants
1 Month 2 Months 3 Months
10.00% -- 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 13.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
An interest rate which is 1% higher
Priority treatment at HNB Customer Centres when attending to banking needs
A 25% discount on the annual fees of credit cards
Special discounts from reputed institutions
An insurance cover for hospital bills up to Rs. 70,000

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NSB Fixed Deposits
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 13.50% 14.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.00% -- 15.75%

Features
Attractive interest rates ,Interest paid out monthly or on maturity
A variety of tenors ,Minimum as low as Rs. 1,000/=
Individual or joint holding, No age barrier to holding, Automatic renewal

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% 10.50% 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 15.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
Sampath Fixed Deposits can help you to fulfill your dream of a financially-secure future for yourself and your family.
You do not need to be a Sampath Bank account holder to enjoy high interest rates and earn an additional income on your fixed deposit.
A minimum deposit of Rs. 25,000/- is all what you need to open a fixed deposit account.
If you are a Sampath Bank account holder, then the interest earned, whether monthly or annually, can be automatically transferred to your Current or Savings account according to your wishes.

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Flexi Term Investment Accounts
1 Month 2 Months 3 Months
Refer Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Deposit additional funds at any time through counter deposits, cash deposit machines, fund transfers or remittances
Earn a higher profit share | Reinvest profits earned monthly
Be updated via Quarterly statements and Internet Banking facility
Start with a minimum investment Rs. 100,000/-

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Call Deposits
1 Month 2 Months 3 Months
3.00% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Earn a high rate of interest, calculated daily
Maintain an individual or a joint account
Soft-loan facilities
Minimum Deposit Rs.100,000/-
Let your funds do the work for you. Are your funds idle for too long?
By opening a call deposit you can make your spare cash work for you within a matter of days.

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Special Deposit Account - SDA
1 Month 2 Months 3 Months
3.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 5.60%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
5.70% 5.85% 6.00%

Features
Additional 2% interest over the bank rate sheet. | Attractive rates of interest on the deposit.
Free Internet Banking access. | No processing fee for your inward remittance.
No need to be a Seylan Bank customer to open SDA | Freely repatriable upon maturity.

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% 10.50% 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 13.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
Select a plan of your choice and receive interests monthly, quarterly, biannually, annually or at maturity
Get up to 90% of the deposit as a cash advance
The best way to earn a higher interest rate for your funds
You can request the Bank to renew your deposit at maturity with interest earned added to the capital or renew just the capital.
Ability to place Fixed Deposits via Online Banking - If you are already registered for our Online Banking facility, now you can place Fixed Deposits online from where ever you are at a time convenient to you by directly debiting your account

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% -- 14.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.50% 15.00% 16.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
16.50% 17.00% 18.00%

Features
All FDs are provided with an attractive interest rate
Union Bank offers fixed deposits from 1 – 60 months period with attractive interest rates to make your money grow.

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Smart FD (Scrip-less Fixed Deposits)
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 12.00% 14.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.00% 15.25% 15.50%

Features
No physical certificate, only the smart FD opening confirmation is issued | Instant SMS confirmation
Opening, Renewal, and Closing confirmations via e-mail | Applications/ closing requests can be sent by post, e-mail or fax
FD amount can be deposited to Current or Savings account (Bank will take the deposit amount from this account)
Can be closed without visiting the branch | Interest rates for Smart FDs are similar to normal FDs

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Nations Kidz Investment Plan
1 Month 2 Months 3 Months
Refer Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
A guaranteed interest rate of 8.5%p.a (A.E.R 8.84%) for a particular investment period
Investment plans ranging from 2-18 years
Investment plans from Rs. 100,000/- up to Rs. 10,000,000/-
Free life insurance cover with maximum limit of 2,000,000/-

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Money Market Account
1 Month 2 Months 3 Months
7.50% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
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.

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LKR Term Investment Accounts
1 Month 2 Months 3 Months
7.75% -- 8.25%
6 Months 12 Months (1Y) 24 Months (2Y)
8.50% 9.10% 7.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
8.00% -- 9.00%

Features
Minimum Investment: Rs. 25,000/- | Attractive Profit Sharing Ratios
Tenures to choose from 3 Months to 60 Months - Profit at Maturity/ Monthly
Other Benefits | Standing Instructions on profit transfers
Automated renewal option | Also available in key foreign currencies
Higher Profit Sharing Ratio paid for Senior Citizen Term Investment Accounts

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Fixed Deposit
1 Month 2 Months 3 Months
12.00% 12.00% 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
15.50% 16.00% 17.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
17.50% 17.75% 18.00%

Features
Minimum deposit – LKR 10,000
Interest can be retrieved monthly, quarterly, bi-annually, annually or at maturity.
Fixed deposits can also be used as collateral in the event of obtaining a credit facility.
Preferential interest rates can be arranged for exceptionally large deposits.

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Certificate of Deposit
1 Month 2 Months 3 Months
-- -- 12.50%
6 Months 12 Months (1Y) 24 Months (2Y)
13.00% 13.00% 15.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
13.50% 13.75% 14.00%

Features
Certificate of Deposit Account ensures that you earn handsomely from your wealth, instead of just accumulating a fraction as interest.
You do not need to be a Sampath Bank account holder to open a Certificate of Deposit Account and what’s more, you can earn interest at the time of the investment.
Certificate of Deposit Accounts are offered for different time durations – 06 months, 12, months, 24 months, 36 months and 60 months – for your convenience.

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FCY Term Investment Accounts
1 Month 2 Months 3 Months
Refer Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Multiple currencies to choose from (USD, GBP, EUR, AUD, JPY and SGD)
Multiple Tenure option | Attractive profit rates
E-Statement and E-mail banking Facility | Standing Instructions on profit transfers
Automated renewal option

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Flexi Fixed Deposit
1 Month 2 Months 3 Months
-- 13.50% 13.50%
6 Months 12 Months (1Y) 24 Months (2Y)
14.00% 14.35% --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
Flexi Fixed deposit helps you to earn more return from your idling money, which you are looking forward for a future requirement.
Freedom to place fixed deposits for number of days as per your requirement starting from 31days to maximum of 365 days.
Enjoy fixed deposit rates. | Monitor your deposit via Internet & Mobile Banking
Instant updates at maturity when registered with e-statement & SMS alert.
Auto renewal at maturity is available for 1,3,6 months as agreed at the time of placing the deposit.
Credit Card against the Fixed Deposit. | An instant loan against the Fixed Deposit. | Option to nominate a beneficiary.

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Fixed Deposits
1 Month 2 Months 3 Months
10.00% N/A 14.50%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 15.00% 16.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
17.00% 18.00% 20.00%

Features
Apart from offering higher interest rates for Fixed Deposits, a Fixed Deposit at Pan Asia Bank is a highly secure investment since Pan Asia Bank is a licensed commercial bank which is regulated by the Central bank of Sri Lanka.
Ability to select a tenor from 1 month to 5 years | Ability to renew the deposit automatically
Ability to obtain cash back loans up to 90% of your Fixed Deposit to meet your emergency cash requirements.

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Fixed Deposits
1 Month 2 Months 3 Months
12.50% -- 15.50%
6 Months 12 Months (1Y) 24 Months (2Y)
15.00% 14.50% 14.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.00% 15.50% 16.00%

Features
Deposits can be opened with the tenures of 1, 3 and 6 Months and 1 to 5 years.
Option of withdrawing your interest at Maturity, Monthly, or to be capitalized for a further tenure.

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Regular FD 2-60 months
1 Month 2 Months 3 Months
-- 13.50% 14.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.25% 14.50% 15.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.75% 16.00% 18.00%

Features
Credit Card against the Fixed Deposit OR An instant loan against the Fixed Deposit For Senior Citizens
Easy access Internet Banking
an islandwide Branch network & 365 day banking
Register for E-Statement view your statement on the go even on your Smart phone

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Shakthi Fixed Deposit (48Months)
1 Month 2 Months 3 Months
N/A N/A N/A
6 Months 12 Months (1Y) 24 Months (2Y)
N/A N/A N/A
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
N/A 16.00% N/A

Features
Islandwide Branch network, ATM network & 365 day banking
Easy access Banking: Internet Banking / Mobile Banking
Register for E-Statement, view your statement on the go even on your Smart phone
Credit Card against the Fixed Deposit or An instant loan against the Fixed Deposit.

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Fixed Deposit
1 Month 2 Months 3 Months
13.50% -- 15.50%
6 Months 12 Months (1Y) 24 Months (2Y)
16.00% 15.00% 11.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
12.25% 13.00% 13.75%

Features
Earn higher returns on your deposits
Highest rate for your fixed Deposit.
Bonus Interest rate based on the deposit amount.
Attractive Gift Items. ( Gift Vouchers & Lunch Bag)
Attractive Fixed Deposit Scheme for senior citizens with extra interest.

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Millionaire Investment Plan
1 Month 2 Months 3 Months
Contact Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

Features
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.

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Fixed Deposits - Minors
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 14.50% 15.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
15.75% 16.00% 16.25%

Features
Higher interest rates compared with other deposit products.
An Additional 0.5% should be added to above rates for all Minors’ Fixed Deposits and Extended Fixed Deposits.

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