Personal Banking

Term Deposits

We offer a diverse range of products to assist you in meeting your financial requirements.

Fixed Deposits

Our Fixed Deposit product offers a secure way to deposit your money for a specified period, enabling you to earn higher returns on your savings.


  • Sri Lankans who are at least 18 years old are eligible to open an account.
  • A minimum deposit of Rs. 10,000/- is required.
  • You can choose from various deposit periods, ranging from one month to five years (special conditions apply for one-month deposits).


  • Interest payment: Please refer to our Rates & Tariff for specific details.
  • Interest is payable at maturity for all types of fixed deposits.
  • For deposits of one year and above, you have the option to receive monthly interest payments.

Senior Citizens Fixed Deposits

We present a dedicated Fixed Deposit account exclusively for Sri Lankan citizens aged 60 years and above. This account ensures the utmost security and provides maximum returns on your investment.

Key features

  • Minimum deposit requirement of Rs. 10,000/-
  • Fixed deposit period of 1 year
  • Enjoy higher interest rates (please refer to our current FD rates)
  • Choose between receiving interest payments at maturity or on a monthly basis
  • Nomination option available, allowing you to designate a person or persons to receive the deposit balance in the event of the account holder’s demise

Smart FD


  • Opening, renewal, and closing confirmations sent via email
  • Issuance of e-certificate as an opening confirmation
  • Instant SMS confirmation for transactions
  • Minimum deposit requirement of Rs. 10,000/-
  • Flexible deposit periods ranging from one month to five years (special conditions apply for one-month deposits)
  • Option to submit applications or closing requests via post, email, or fax
  • Ability to close the account without visiting the branch
  • Interest rates for Smart Fixed Deposits are comparable to regular Fixed Deposits
  • Smart Fixed Deposits can be used as collateral for loans, guarantees, and other purposes

100, 200, 400 Days Investments

Enjoy an attractive rate of interest on your investments for 100, 200, and 400 days, starting from a minimum deposit of Rs. 500,000/- and above!


  • Higher short-term return on your investment
  • Highest interest rate available in the market
  • Instant loan facility of up to 90% of your deposit amount
  • Guaranteed security for your deposited funds