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Interest Rates

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Last update time - 05/12/2017 12:04

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

Amount Interest Rate p.a AER
Below LKR 5000/-

3.50%


Rs. 5,000 to Rs. 50,000

4.00%


Above Rs. 50,001

5.00%

5.12%

Minimum deposit Rs. 500,000/-

Slab

Interest rate %p.a.

AER

Below 9,999

0%

10,000 – 499,999

3.5%

500,000- 999,999

8.25%

Above 1Mn

9.00%

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%

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

Interest Period

Interest Rate % p.a.

AER

3 MONTHS

11.50%

 

6 MONTHS

11.50% 

 

12 MONTHS

12.00% 

 

24 MONTHS

11.50% 

 

36 MONTHS

12.00% 

 

48 MONTHS

12.00% 

 

60 MONTHS

13.00% 

 

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 11.25%
24 MONTHS 10.50%
36 MONTHS 10.00%
48 MONTHS 10.00%
60 MONTHS 10.00%

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%
ANNUALLY 10.25%
AT MATURITY 12.00%

SEYLAN 5 STAR 5 YEAR FIXED DEPOSIT

(Minimum deposit Rs. 100,000/-)

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

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 11.50%
121 - 150 DAYS 11.50%
151 - 180 DAYS 11.50%
181 - 210 DAYS 11.50%
211 - 240 DAYS 11.50%
241 - 270 DAYS 11.50%
271 - 300 DAYS 11.50%
301 - 330 DAYS 11.75%
331 - 365/366 DAYS 12.00%

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%

 

3 MONTHS

 

 

11.50%

 

6 MONTHS

N/A

N/A

11.50%

 

12 MONTHS

11.75%

 

12.50%

 

24 MONTHS

11.00%

 

12.00%

 

36 MONTHS

10.50%

 

12.50%

 

48 MONTHS / SEYLAN SHAKTHI(Minimum deposit LKR 100,000/-)

10.50%

 

12.50%

 

60 MONTHS / SEYLAN 5 STAR(Minimum deposit LKR 100,000/-)

10.50%

 

13.50%

 

CERTIFICATE OF DEPOSITS

DENOMINATION : Rs. 100,000/-

MATURITY Period INTEREST p.a AER
6 MONTHS 11.25%
12 MONTHS 11.75%

24 MONTHS 11.25%
48 MONTHS 11.75%

60 MONTHS 12.75%
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 Balance InterestRate, % p.a AER
US Dollar USD 25 2.0000 2.0184
Sterling Pound GBP 15 1.5000 1.5104
Euro EUR 20 1.0000 1.0046
Australian Dollar AUD 35 2.0000 2.0184
Japanese Yen JPY 2,850 0.1250 0.1251
Swiss Franc CHF 35 0.1250 0.1251
Singapore Dollar SGD 45 0.2500 0.2503
Canadian Dollar CAD 30 1.5000 1.5104
Norwegian Kroner NOK 200 1.5000
Danish Kroner DKK 175 1.5000 1.5104
Swedish Kroner SEK 200 1.5000 1.5104
Hong Kong Dollar HKD 200 0.1250 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 Amount Interest Rate % p.a
1 month AER % 3 months AER% 6 months AER% 1 year AER % 1 Year (Monthly) AER %
US Dollar USD 500 2.500 2.5288
3.002.7785
3.50 3.2764
3.75 3.5000
3.50 3.0416
Sterling Pound GBP 500 1.750 2.0184
2.25 2.2691
2.50 2.5156
3.00 2.7500
2.50 2.2733
Euro EUR 500 1.750
1.7641
2.00 2.015
2.25 2.0100
2.50 2.2500
2.25 2.0184
Australian Dollar AUD 500 2.750
3.00
3.25
3.75
3.50
Japanese Yen JPY 50,000 1.000 1.0046 1.25 1.2559 1.50 1.5056 1.75 1.7500 1.50 1.5104
Swiss Franc CHF 500 0.500 0.7526 0.75 0.7521 1.00 1.0025 1.00 1.0000 0.75 0.7526
Singapore Dollar SGD 500 0.750 0.7526 1.00 1.0038 1.25 1.2539 1.50 1.5000 1.25 1.2572
Canadian Dollar CAD 500 2.000 1.7641
2.25 2.015
2.25 2.000
2.50 2.2500
2.25 2.0184
Norwegian Kroner NOK 5000 1.750
2.00
2.25
2.50
2.25

01Y(%) 02Y(%) 03Y(%) 04Y(%) 05Y(%) 05Y(%) (above USD 25,000/-)
Monthly 3.5000 3.5000 3.7500 4.0000 4.2500 4.2500
AER





Annually - - - - - 5.0000
AER




Maturity 3.7500 4.0000 4.2500 4.5000 4.7500 6.0000
AER




Loans & Advances Rates

Loans and Advances
Export Bill - Rupee Facilities
16.5%
Export - US$ Facilities
8.0%
Packing Credit
16.0%
Import Bill Facilities - Rupee Facilities
16.5%
Lending to Small/ Medium Industries upto 5Years
16.5%
Residential Housing
13.5%
Pawning
15.0%
Overdrafts
16.5%
Corporate Lending
16.0%
Personal/ Retails Lending
16.5%
Agricultural Lending short term (upto 1Year)
16.5%
Loan quantum Rs 500,000 to Rs 100,000,000
w.e.f. 07.02.2017
Period
Fixed

1 year

14.00%

2 years

14.00%

5 years

14.50%

10 years

16.00%

Period salary Category LKR 50,000/- upto LKR 100,000/- Rates %p.a. salary category LKR 100,001/- and Above Rate % p.a.
01 Year
14.00% p.a. 
13.50% p.a.
02 Year
14.50% p.a.
14.00% p.a.
03 Year
14.50% p.a.
14.00% p.a.
04 Year
15.00% p.a.
14.50% p.a.
05 Year
15.00% p.a.
14.50% p.a.
06 Year
16.00% p.a.
15.50% p.a.
07 Year
16.00% p.a.
15.50% 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

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%