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
Rupee Kids Savings 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
Investment period from 3 to 18 years
Investment plan from LKR 250,000/- to LKR 10,000,000/-
Guaranteed high interest rate
Quarterly e-statement
View details via Internet and Mobile banking via Guardian profile
Premature account closure will be done at the Normal Savings interest rate.

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LKR Term Investment Accounts
1 Month 2 Months 3 Months
Refer Bank -- 4.02%
6 Months 12 Months (1Y) 24 Months (2Y)
4.38% 4.75% 5.11%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
5.48% -- 6.57%

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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Senior Citizens FDs
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 6.50% 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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Fixed Deposits
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 5.00% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.25% 7.75% 8.25%

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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Millennium 30
1 Month 2 Months 3 Months
3.00% 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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Normal Fixed Deposits
1 Month 2 Months 3 Months
4.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.00% 7.25%

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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Fixed Deposits
1 Month 2 Months 3 Months
3.00% -- 4.00%
6 Months 12 Months (1Y) 24 Months (2Y)
4.25% 5.25% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.25% 7.50%

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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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 7.25% 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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SDB Upahara Fixed Deposit
1 Month 2 Months 3 Months
4.75% -- 5.25%
6 Months 12 Months (1Y) 24 Months (2Y)
5.50% 6.00% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

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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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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RDB Fixed Deposits
1 Month 2 Months 3 Months
4.00% 4.50% 5.50%
6 Months 12 Months (1Y) 24 Months (2Y)
5.75% 6.00% 6.18%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.37% 6.56% 6.76%

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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Fixed Deposits
1 Month 2 Months 3 Months
3.00 % -- 3.50%
6 Months 12 Months (1Y) 24 Months (2Y)
3.75% 5.50% 7.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.25% 7.50% 8.00%

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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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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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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NSB Fixed Deposits
1 Month 2 Months 3 Months
4.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.00% -- 7.50%

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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Call Deposits
1 Month 2 Months 3 Months
2.75% -- --
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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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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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 7.75%

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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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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Rupee Savings Plan
1 Month 2 Months 3 Months
Refer Bank -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- 7.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.00% 7.00% 7.00%

Features
Investment period from 2 years to 5 years
Investment plan from LKR 100,000/- to 10,000,000/-
Guaranteed high interest rate
Quarterly e-statement
View details via Internet and Mobile banking
Can be opened individually, jointly or under a businessv
Cash back loan upto 75% of outstanding plan value.
Premature account closure will be done at the Normal Savings interest rate.

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Foreign Currency Fixed Deposit
1 Month 2 Months 3 Months
2.25% (USD) -- 3.00% (USD)
6 Months 12 Months (1Y) 24 Months (2Y)
3.50% (USD) 4.00% (USD) 4.25% (USD)
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
4.60% (USD) 5.00% (USD) 5.50% (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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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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Fixed Deposits
1 Month 2 Months 3 Months
3.00% 3.00% 3.25%
6 Months 12 Months (1Y) 24 Months (2Y)
3.50% 4.50% 4.95%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
5.40% 5.95% 6.25%

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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HNB Senior Citizens Scheme
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 6.00% 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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Fixed Deposit - Normal
1 Month 2 Months 3 Months
4.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.00% 7.25%

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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Regular FD 2-60 months
1 Month 2 Months 3 Months
-- 3.50% 3.75%
6 Months 12 Months (1Y) 24 Months (2Y)
4.50 % 5.50% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.25% 7.75%

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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Smart FD (Scrip-less Fixed Deposits)
1 Month 2 Months 3 Months
4.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.00% 7.25%

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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Fixed Deposits
1 Month 2 Months 3 Months
4.00% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.75% 6.25% 6.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.25% 8.00% 8.50%

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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NATIONAL SAVINGS CERTIFICATE
1 Month 2 Months 3 Months
-- -- 4.00%
6 Months 12 Months (1Y) 24 Months (2Y)
4.25% 4.50% 4.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
5.00% 5.50% --

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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Fixed Deposit
1 Month 2 Months 3 Months
3.75% 3.75% 5.50%
6 Months 12 Months (1Y) 24 Months (2Y)
6.00% 6.50% 8.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
8.50% 8.50% 9.00%

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
-- -- 3.25 %
6 Months 12 Months (1Y) 24 Months (2Y)
4.25% 5.25% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.25% 6.50% 6.75%

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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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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Senior citizens
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 interest rate will be applicable for rupee deposit only
Interest may be collected either monthly or at maturity, according to your preference.
Minimum deposit amount of Rs. 100,000/= can be placed for a period of 12 months or 24 months.

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Piduma
1 Month 2 Months 3 Months
-- -- 5.25%
6 Months 12 Months (1Y) 24 Months (2Y)
6.00% 6.60% 7.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.60% 7.75% 8.25%

Features
Minimum deposit amount of Rs. 5,000/=
Deposits can be placed for period of 01, 03, 06, 12, 24, 36 or 60 months.
Interest Payment methods,
Interest will be paid at maturity for all types of deposits
Interest will be paid at monthly only for deposits placed for 12, 24, 36 48, and 60 months
Up front interest is offered for FD (Only for special F.D. schemes as decided by the Bank)

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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 6.50% to 7.84%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
N/A N/A N/A

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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SDB Regular Fixed Deposit
1 Month 2 Months 3 Months
4.75% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- -- --

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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7 Day Call Deposits
1 Month 2 Months 3 Months
4.25% -- --
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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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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Fixed Deposits - Minors
1 Month 2 Months 3 Months
4.50% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 5.50% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.00% 7.25%

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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Kapthura
1 Month 2 Months 3 Months
4.50% -- 5.10%
6 Months 12 Months (1Y) 24 Months (2Y)
5.30% 5.60% 6.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.00% 7.10% 8.00%

Features
Minimum deposit amount of Rs. 5,000/=
Deposits can be placed for period of 01, 03, 06, 12, 24, 36 , 48 or 60 months.
Interest Payment methods,
Interest will be paid at maturity for all types of deposits
Interest will be paid at monthly only for deposits placed for 12, 24, 36, 48 and 60 month
Up front interest is offered for FD (Only for special F.D. schemes as decided by the Bank)

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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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Fixed Deposits
1 Month 2 Months 3 Months
2.00% 2.00% 3.25%
6 Months 12 Months (1Y) 24 Months (2Y)
4.25% 5.25% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.25% 6.50% 6.75%

Features
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.
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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Fixed Deposits
1 Month 2 Months 3 Months
3.50% N/A 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.25% 6.00% 6.25%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.00% 7.50% 9.25%

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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“Sathkara” for Gov.Servants
1 Month 2 Months 3 Months
3.00% -- 3.50%
6 Months 12 Months (1Y) 24 Months (2Y)
3.75% 5.50% 7.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
7.25% 7.50% 8.00%

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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Fixed Deposits
1 Month 2 Months 3 Months
3.25% -- 4.00%
6 Months 12 Months (1Y) 24 Months (2Y)
4.50% 5.50% 6.50%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.75% 7.25% 7.75%

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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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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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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Sampath Sanhinda Fixed Deposits
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 5.25% 6.00%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
6.25% 6.50% 6.75%

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

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Term Deposit
1 Month 2 Months 3 Months
Up to 3.75% -- Up to 4.50%
6 Months 12 Months (1Y) 24 Months (2Y)
Up to 4.75% Up to 5.25% Up to 5.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
Up to 5.75% Up to 5.75% --

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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Certificate of Deposits
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
3.75% 4.75% 5.75%
36 Months (3Y) 48 Months (4Y) 60 Months (5Y)
-- 7.00% 7.50%

Features
This can be used for investments or as collateral for loans or overdrafts.
Tenor Period of – 6 Months to 60 Months (5 Years).
Best rates in the market are guaranteed and paid at maturity

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