Interest Rates in Sri Lanka

Deposit Rates

Product Type	Interest Rate (p.a) - w.e.f. 05th August 2024 - To Date
SDB Lakdaru	Below Rs. 5,000 - 2.50% Above Rs. 5,000 - 4.50%
SDB Business Saver	Below 5,000: 0.00% 5,000 to below 100,000: 3.00% 100,000 to below 500,000: 3.50% 500,000 to below 1 Mn: 4.00% 1 Mn to below 5 Mn: 4.50% 5 Mn to below 50 Mn: 5.00% 50 Mn & above: 6.00%
SDB Jawaya	Below Rs 1 Mn: 3.00% Rs 1 Mn & Above: 3.25%
SDB Uththamavi	Below Rs 1 Mn: 3.00% Rs 1 Mn & Above: 3.25%
SDB Top Saver Plus	Below 5,000: 0.00% 5,000 to below 100,000: 3.00% 100,000 to below 500,000: 3.50% 500,000 to below 1 Mn: 4.00% 1 Mn to below 5 Mn: 4.50% 5 Mn to below 50 Mn: 5.00% 50 Mn & above: 6.00%
SDB Savings / Investment / New Bhagya Savings	2.50%
SDB Upahara Savings	Less than Rs 1 Mn: 3.00% Rs 1 Mn & Above: 3.25%
SDB Dashaka	Rs 1,000 – Rs 99,999: 3.00% Rs 100,000 – Rs 999,999: 3.25% Rs 1 Mn & Above: 3.50%
SDB Corporate / Co-Operative Top Saver	Below Rs 25,000: 0.00% Rs 25,000 to below Rs 100,000: 3.00% Rs 100,000 to below Rs 500,000: 3.25% Rs 500,000 to below Rs 1Mn: 3.50% Rs 1Mn to below Rs 5Mn: 4.00% Rs 5Mn to below Rs 10Mn: 4.50% Rs 10Mn to below Rs 25Mn: 4.75% Rs 25Mn to below Rs 50Mn: 5.00% Rs 50Mn & below: 6.00%
SDB Corporate / Co-Operative Saver	Below Rs 25,000: 0.00% Rs 25,000 to below Rs 100,000: 3.00% Rs 100,000 to below Rs 500,000: 3.25% Rs 500,000 to below Rs 1Mn: 3.50% Rs 1Mn to below Rs 5Mn: 4.00% Rs 5Mn to below Rs 10Mn: 4.50% Rs 10Mn to below Rs 25Mn: 4.75% Rs 25Mn to below Rs 50Mn: 5.00% Rs 50Mn & below: 6.00%
SDB Sahanya Savings	Rs 5,000 – Rs 99,999: 2.50% Rs 100,000 – Rs 999,999: 3.00% Rs 1 Mn & above: 4.00%
SDB Dayada Investment Plan	5.25%
SDB Uththamavi Investment	5.00%
SDB Ayojana Investment Plan	6.00%
Upay Savings	2.50%
Conditions apply

Normal / Corporate FD (Rs.10,000/- & Above)

	1 Month	3 Months	6 Months	12 Months	24 Months	36 Months	48 Months	60 Months	120 Months
Maturity	5.75%	7.00%	7.25%	7.50%	8.25%	8.50%	10.50%	11.50%	11.75%
AER	5.90%	7.19%	7.38%	7.50%	7.94%	7.87%	9.16%	9.51%	8.08%
Monthly	-	-	-	7.00%	7.50%	7.75%	8.00%	8.50%	9.00%
AER	-	-	-	7.23%	7.76%	8.03%	8.30%	8.84%	9.38%
With effect from 07th October 2025

Senior Citizen FD Rates

Upahara Rs.10,000 & Above (Age 55 & above)*	1 Month	3 Months	6 Months	12 Months	24 Months	36 Months	48 Months	60 Months	120 Months
Maturity	5.75%	7.00%	7.25%	7.75%	8.50%	8.75%	10.75%	11.75%	12.00%
AER	5.90%	7.19%	7.38%	7.75%	8.17%	8.08%	9.35%	9.68%	8.20%
Monthly	-	-	-	7.25%	7.75%	8.00%	8.25%	8.75%	9.25%
AER	-	-	-	7.50%	8.03%	8.30%	8.57%	9.11%	9.65%
*With effect from 07th October 2025*
* Conditions apply

Special Fixed Deposit Scheme for Senior Citizens

Period	Interest Rate
12 Months (Interest payable monthly)	11.34%
Terms and Conditions: The maximum total deposit amount per depositor under this scheme is Rs. 1 Mn (One million Rupees only). The minimum value would be Rs 100,000. (Hundred thousand rupees). Must be a resident Sri Lankan Citizen aged 60 years or above as of the date of the deposit. Deposits maintained by senior citizens under this scheme shall not be automatically renewed (Single Maturity Product)
*With effect from 01st November 2025*
* Conditions apply

Minor FD Rates

	12 Months	24 Months	36 Months	48 Months	60 Months	120 Months
Nominal	7.50%	8.25%	8.50%	10.50%	11.50%	11.75%
AER	7.50%	7.94%	7.87%	9.16%	9.51%	8.08%
*With effect from 07th October 2025*

Special FD Rates

	3 Months	125 Days	200 Days	6 Months	300 Days	60 Months
Interest Rate at Maturity	8.50%	7.25%	8.00%	7.50%	8.00%	12.00%
AER	8.77%	7.42%	8.14%	7.64%	8.05%	9.86%
*With effect from 07th October 2025*
* Conditions apply

* These special rates are applicable only for Fixed Deposits of LKR 1 million and above.

Lending Rates

Product Category	SDB Bank Interest rate range % per annum		Rate Type
	Minimum	Maximum
Co-operative Sector & Microfinance institutions - Relending Purpose	13.50%	18.00%	Fixed
Co-operative & Microfinance institutions - Society	14.00%	20.00%	Fixed
Upahara / Uththamachara Loans	13.00%	16.25%	Fixed
Personal Loans for Employees of Government and Semi-Government Sector	13.00%	17.25%	Fixed
Personal Loans for Employees of Private Reputed Companies	14.50%	18.00%	Fixed
Sonduru Sewana Housing Loan	14.00%	18.00%	5 Year Fixed, Thereafter Floating
MSME, SME, Revolving, Business Purpose / Business Plus	13.00%	16.50%	Fixed
MSME, SME, Revolving, Business Purpose / Business Plus	SDB Internal Rate +4.5%	SDB Internal Rate +6.5%	Floating Rate
Pawning / Gold Loans	14.00%		Fixed
Pawning / Gold Loans	13.50% (For women who maintain a women's savings account with more than Rs.10,000/- balance (average 6-month balance))		Fixed
Leasing / HP / Vehicle Loan (Unregistered)	10.00%	14.50%	Fixed
Leasing / HP / Vehicle Loan (Registered)	11.50%	28.00%	Fixed

Refinance Scheme	Interest Rate to Customers % p.a. (Fixed)
* SME Refinance Credit Lines
SME LoC 2 Working Capital Refinance Credit Line (ADB)	8.00
E-Friends 11 RF Credit Lines : General Refinance Credit Line Solar Refinance Credit Line Technical Assistance	6.50 6.50 2.00
SMILE 111 RF Refinance Credit Line	8.00
Kapruka Ayojana Refinance Credit Line	8.00
NCRCS Interest Subsidy Scheme	6.00
Supporting MSMES in the NPL Catogary Refinance Credit Line	8.00
Pledge Interest Subsidy Scheme for SME Paddy Millers 2024/2025 Maha Season	7.00
* Society Refinance Credit Lines
PAMP RF Refinance Credit Line	9.00
SMILE 111 RF Refinance Credit Line	8.00
E-Friends 11 RF Credit Lines: General Refinance Credit Line Solar Refinance Credit Line Technical Assistance	6.50 6.50 2.00

Rates will be effective from 07.11.2025

**Conditions apply

Benchmark Rate for floating Interest Loans (SDB Internal Rate): 8.44%, which is currently equivalent to CBSL published Monthly AWPLR + 0.29%, and is subject to periodic revision

Foreign Currency Exchange Rates

Currency Code	Currency	Buying Rates	Selling Rates
AUD	AUSTRALIAN DOLLAR	196.09	205.74
EUR	EUROPEAN CURRENCY UNIT	348.00	361.74
GBP	BRITISH POUND	395.66	409.61
JPY	JAPANESE YEN	1.89	2.03
SGD	SINGAPORE DOLLAR	226.51	242.04
USD	US DOLLAR	303.47	310.16