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Interest Rates

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Last update time - 09/14/2017 10:10

Rupee Savings

Savings Deposits

The Following Rates are applicable to Normal Savings, SFIDA, NRRA, SFNA and SIA Accounts

Interest Rate p.a AER
ORDINARY SAVINGS
Below LKR 999.99 

0.00%

Rs. 1,000.00 to Rs. 9,999.99

2.00%

2.02%

Rs.10,000.00 & above

3.50%

3.56%

Tikiri Accounts

Balance Age Below 15 years Age Above 15 years AER
Balances up to Rs. 100,000/- 4.00% 4.00% 4.07%
Balances above Rs. 100,001/- a bonus interest is Applicable on the NORMAL INTEREST, as follows:
Rs. 100,001 - 200,000/- No Bonus Interest 10.00%
Rs. 200,001 - 300,000/- No Bonus Interest 15.00%
Rs. 300,001 - 400,000/- No Bonus Interest 20.00%
Rs. 400,001 - 500,000/- No Bonus Interest 25.00%
Rs.500,001 - 750,000/- 30.00% 30.00%
Rs. 750,001 - 1,000,000/- 35.00% 35.00%
Rs. 1,000,001 - 1,250,000/- 40.00% 40.00%
Rs. 1,250,001 - 1,500,000/- 45.00% 45.00%
Rs. 1,500,001 - and above 50.00% 50.00%
Interest Rate p.a AER
MINOR SAVINGS

5.00%

5.12%

Ihalin Ihalata

AMOUT
INTEREST
AER
Below LKR 5000/-
3.50%
3.56%
LKR 5,000 to LKR 50,000
4.00%
4.07%
Above LKR 50,001
5.00%
5.12%


AMOUNT
INTEREST
AER
Below 9,999
0.00%
 
LKR 10,000 - LKR 499,999
3.50%
 
LKR 500,000 - LKR 999,999
7.25%
 
Above LKR 1,000,000
8.00%
 

Seylan Income Saver

Account Balance

Rate (%) p.a.

AER

Below LKR 999/-

0.00%

 

LKR 1,000/- to LKR 9,999/-

2.00%

2.02%

LKR 10,000/- to LKR 49,999/-

3.50%

3.56%

LKR 50,000/- and above

4.5%

 

Rupee Fixed Deposits

Below Interest Rates are applicable for Normal Fixed Deposits, SFIDA and NRRA

Minimum deposit Rs. 100,000/-

Interest Period Interest Rate % p.a. AER
30days 7.5% 7.76%

Below Interest Rates are applicable for Normal Fixed Deposits, SFIDA and NRRA

Interest Period
Interest Rate % p.a.
AER
3 MONTHS 
11.00%
11.46%
6 MONTHS
11.00%
11.30%
12 MONTHS
11.50%
11.50%
24 MONTHS
11.50%
10.91%
36 MONTHS
12.00%
10.79%
48 MONTHS
12.00%
10.30%
60 MONTHS
13.00%
10.53%

Below Interest Rates are applicable for Normal Fixed Deposits, SFIDA and NRRA

(Only for deposits of over Rs. 25,000/-)

Interest Period
Interest Rate % p.a.
AER
12 MONTHS
10.75%
11.30%
24 MONTHS
10.50%
11.02%
36 MONTHS
10.00%
10.47%
48 MONTHS
10.00%
10.47%
60 MONTHS
10.00%
10.47%

Below Interest Rates are applicable for Normal Fixed Deposits, SFIDA and NRRA

SEYLAN SHAKTHI 4 YEAR FIXED DEPOSIT

(Minimum deposit Rs. 100,000/-)

Interest Period Interest Rate % p.a. AER
MONTHLY 10.00% 10.47%
ANNUALLY 10.25%
AT MATURITY 12.00% 10.30%

SEYLAN 5 STAR 5 YEAR FIXED DEPOSIT

(Minimum deposit Rs. 100,000/-)

Interest Period Interest Rate % p.a. AER
MONTHLY 10.00% 10.47%
ANNUALLY 10.50%
AT MATURITY 13.00% 10.53%

FLEXI FD

Minimum deposit Rs. 100,000/-

Interest Period
Interest Rate % p.a.
31 - 60 DAYS
8.00%
61 - 90 DAYS
10.00%
91 - 120 DAYS
11.00%
121 - 150 DAYS
11.00%
151 - 180 DAYS
11.00%
181 - 210 DAYS
11.00%
211 - 240 DAYS
11.25%
241 - 270 DAYS
11.25%
271 - 300 DAYS
11.25%
301 - 330 DAYS
11.25%
331 - 365/366 DAYS
11.50%
Interest Period Monthly (Only for deposits of over LKR 25,000/-) Maturity
Interest Rate % p.a.  AER  Interest Rate % p.a. AER
30 Days - Millennium 30 -Minimum deposit LKR 100,000/- 
N/A
N/A
7.50%
7.76%
3 MONTHS 
11.00%
11.46%
6 MONTHS
N/A
N/A
11.00%
11.30%
12 MONTHS
11.25%
11.85%
12.00%
12.00%
24 MONTHS
11.00%
11.57%
12.00%
11.36%
36 MONTHS
10.50%
11.02%
12.50%
11.20%
48 MONTHS / SEYLAN SHAKTHI(Minimum deposit LKR 100,000/-)
10.50%
11.02%
12.50%
10.67%
60 MONTHS / SEYLAN 5 STAR(Minimum deposit LKR 100,000/-)
10.50%
11.02%
13.50%
10.87%

CERTIFICATE OF DEPOSITS

DENOMINATION: LKR 100,000/-
MATURITY Period
INTEREST
AER
6 MONTHS
10.75%
11.04%
12 MONTHS
11.25%
11.25%
24 MONTHS
11.25%
10.68%
48 MONTHS
11.75%
10.11%
60 MONTHS
12.75%
10.37%
Amount INTEREST p.a
Up to Rs. 1,000,000/-

0.00%

Above Rs. 1,000,000/-

6.00%

Foreign Currency Rates

Given below are the interest rates for NRFC/ RFC/ SFIDA/ RNNFC/ NRNNFA/ FEEA/ FCISPE/ SIA/ SFNA

SAVINGS ACCOUNTS
Currency Code Minimum InterestRate % p.a AER 
Balance
US Dollar
USD
25
2.000
2.0184
Sterling Pound
GBP
15
1.500
1.5104
Euro
EUR
20
1.000
1.0046
Australian Dollar
AUD
35
2.000
3.0416
Japanese Yen
JPY
2,850
0.125
0.1251
Swiss Franc
CHF
35
0.125
0.1251
Singapore Dollar
SGD
45
0.250
0.2503
Canadian Dollar
CAD
30
1.500
1.5104
Norwegian Kroner
NOK
200
1.500
1.5104
Danish Kroner
DKK
175
1.500
1.5104
Swedish Kroner
SEK
200
1.500
1.5104
Hong Kong Dollar
HKD
200
0.125
0.1251
New Zealand Dollar
NZD
35
 
1.5000
1.5104

Given below are the interest rates for NRFC/ RFC/ SFIDA/ RNNFC/ NRNNFA/ FEEA/ FCISPE/ SIA/ SFNA

Currency Code Minimum
Interest Rate % p.a
   
Amount
1 month
AER %
3 months
AER% 
6 months
AER% 
1 year
AER %
1 Year (Monthly)
US Dollar
USD
500
2.500
2.529
3.000
2.779
3.500
3.276
3.750
3.500
3.500
Sterling Pound
GBP
500
1.750
2.018
2.250
2.269
2.500
2.516
3.000
2.750
2.500
Euro
EUR
500
1.750
1.764
2.000
2.015
2.250
2.010
2.500
2.250
2.250
Australian Dollar
AUD
500
2.750
3.000
3.250
3.750
3.500
Japanese Yen
JPY
50,000
1.000
1.005
1.250
1.256
1.500
1.506
1.750
1.750
1.500
Swiss Franc
CHF
500
0.500
0.501
0.750
0.752
1.000
1.003
1.000
1.000
0.750
Singapore Dollar
SGD
500
0.750
0.753
1.000
1.004
1.250
1.254
1.500
1.500
1.250
Canadian Dollar
CAD
500
2.000
1.764
2.250
2.015
2.250
2.000
2.500
2.250
2.250
Norwegian Kroner
NOK
5000
1.750
2.000
2.250
2.500
2.250
Currency - USD
1 Year (%)
02 Years (%)
03 Years(%)
04 Years(%)
05 Years(%) 
Monthly
3.5000
3.5000
3.7500
4.0000
4.0000
AER
Maturity
4.0000
4.0000
4.2500
4.5000
5.0000
AER

Loans & Advances Rates

w.e.f. 07.07.2017

Description
Rates p.a.
Export Bill Finance - Rupee Facilities
15.0%
Export Finance - US$ Facilities
6.0%
Packing Credit
16.0%
Import Bill Facilities - Rupee Facilities
15.0%
Lending to Small/ Medium Industries up to 5Years
16.0%
Residential Housing
13.5% - 15%
Pawning
20.0%
Overdrafts
16.0%
Corporate Lending
14.0%
Personal/ Retails Lending
16.0%
Agricultural Lending short term (up to 1Year)
16.0%
Loan quantum Rs 500,000 to Rs 100,000,000
w.e.f. 07.07.2017
Period Fixed Professionals
1 year
14.00%

2 years
14.00%

5 years
14.5%

10 years
16.00%

Period salary Category salary category
LKR 50,000/- upto LKR 100,000/- Rates 
LKR 100,001/- and Above Rate 
01 Year
14.0% p.a. 
13.5% p.a.
02 Year
14.5% p.a.
14.0% p.a.
03 Year
14.5% p.a.
14.0% p.a.
04 Year
15.0% p.a.
14.5% p.a.
05 Year
15.0% p.a.
14.5% p.a.
06 Year
16.0% p.a.
15.5% p.a.
07 Year
16.0% p.a.
15.5% p.a.

Vehicle Loan

Period Variable Rates Fixed Rates %p.a.
01 Year
15.00% p.a. 
15.00%p.a.
02 Year
N/A
15.50% p.a.
03 Year
N/A
15.75% p.a.
04 Year
N/A
16.00% p.a.
05 Year
N/A
16.50% p.a.

Fixed for the entire tenure

w.e.f 13.03.2017

Loan Term Against Property Mortgage Rates %p.a. Against Guarantors (Up to LKR 2Mio only) Rates %p.a.
01 Year
15.00%
16.00%
02 Years
15.75%
16.75%
03 Years
16.00%
17.00%
04 Years
16.25%
17.25%
05 Years
16.50%
17.50%
06 Years
16.50%
17.50%
07 Years
16.50%
17.50%

Fixed for 1 year & reviewed in every 12 months.

Against Property Mortgage

Rates %p.a.

Against Guarantors

( Up to LKR 2Mio only)

Rates %p.a.

15.00%
16.00%