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Interest Rates


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Last update time - 06/29/2016 12:11

Rupee Savings

Normal 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%

Children's Savings

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%

Minor Savings

Interest Rate p.a AER
MINOR SAVINGS

5.00%

5.12%

Youth Savings

Interest Rate p.a AER
COOL CASH

4.50%

4.59%

High Interest Savings

Ihalin Ihalata

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

3.50%

3.56%
Rs. 5,000 to Rs. 50,000

4.00%

4.07%
Above Rs. 50,001

5.00%

5.12%

Rupee Fixed Deposits

Millennium'30

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

Minimum deposit Rs. 100,000/-

Interest Period Interest Rate % p.a. AER
30 Days 8.50% 8.84%

Rupee Fixed Deposit At Maturity

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

Interest Period Interest Rate % p.a. AER
3 MONTHS 10.00% 10.38%
6 MONTHS 10.25% 10.51%
12 MONTHS 10.50%
 10.50%
24 MONTHS 10.75% 10.23%
36 MONTHS 11.50% 10.38%
48 MONTHS 12.00% 10.30%
60 MONTHS 13.00% 10.53%

Rupee Fixed Deposit Interest Paid Monthly

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 9.50% 9.92%
24 MONTHS 9.50%
 9.92%
36 MONTHS 9.50% 9.92%
48 MONTHS 9.75%
 10.20%
60 MONTHS 10.00% 10.47%

Long Term Rupee Fixed Deposits

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 9.75% 10.20%
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 Fixed Deposit

FLEXI FD

Minimum deposit Rs. 100,000/-

Interest Period Interest Rate % p.a.
31 - 60 DAYS 8.50%
61 - 90 DAYS 9.00%
91 - 120 DAYS 10.00%
121 - 150 DAYS 10.00%
151 - 180 DAYS 10.15%
181 - 210 DAYS 10.25%
211 - 240 DAYS 10.25%
241 - 270 DAYS 10.35%
271 - 300 DAYS 10.35%
301 - 330 DAYS 10.35%
331 - 365/366 DAYS 10.50%

Senior Citizen FD's

Interest Period
Monthly
(Only for deposits of over Rs. 25,000/-)
 Maturity
Interest Rate % p.a. AER Interest Rate % p.a. AER
30 Days - Millennium 30
(Minimum deposit Rs. 100,000/-)		 N/A N/A 8.50% 8.84%
3 MONTHS N/A N/A 10.00%
 10.38%
6 MONTHS N/A N/A 10.25% 10.51%
12 MONTHS 10.00% 10.47%
 11.00% 11.00%
24 MONTHS 10.00%
 10.47%
 11.25%
 10.68%
36 MONTHS 10.00%
 10.47%
 12.00% 10.79%
48 MONTHS - SEYLAN SHAKTHI
(Minimum deposit Rs. 100,000/-)		 10.25%
 10.75%
 12.50% 10.67%
60 MONTHS - SEYLAN 5 STAR
(Minimum deposit Rs. 100,000/-)		 10.50%
 11.02%
 13.50% 10.87%

Certificate of Deposits

CERTIFICATE OF DEPOSITS

DENOMINATION : Rs. 100,000/-

MATURITY Period INTEREST p.a AER
6 MONTHS 9.75%10.25%
12 MONTHS 9.75%
 10.25%
24 MONTHS 10.00% 10.00%
48 MONTHS 11.25%
 10.11%
60 MONTHS 12.25% 10.37%

Call Deposits

Amount INTEREST p.a
Up to Rs. 1,000,000/-

0.00%
Above Rs. 1,000,000/-

6.00%

Foreign Rates

Savings Accounts

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
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

Fixed Deposits

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 2.25
2.75
 3.25
3.50
3.25 3.0416
Sterling Pound GBP 500 1.75
2.25
2.50
3.00
2.50 2.2733
Euro EUR 500 1.75
2.00
2.25
2.50
2.25 2.0184
Australian Dollar AUD 500 3.00
3.25
3.50
4.00
3.50 3.2989
Japanese Yen JPY 50,000 1.00 1.0046 1.25 1.2559 1.50 1.5056 1.75 1.7500 1.50 1.5104
Swiss Franc CHF 500 0.50 0.5011 0.75 0.7521 1.00 1.0025 1.00 1.0000 0.75 0.7526
Singapore Dollar SGD 500 0.75 0.7526 1.00 1.0038 1.25 1.2539 1.50 1.5000 1.25 1.2572
Canadian Dollar CAD 500 2.00
2.25
2.25
2.50
2.25 2.0184

Long Term USD fixed deposit rates


01Y(%) 02Y(%) 03Y(%) 04Y(%) 05Y(%) 05Y(%) (above USD 25,000/-)
Monthly 3.2500 3.2500 3.5000 3.7500 4.0000
AER





Annually - - - - - 5.00%
AER




Maturity 3.5000 3.7500 4.0000 4.2500 4.5000 6.00%
AER




Loans & Advances Rates

Loans and Advances

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%

Housing Loan

Loan Quantum : LKR 100,000/- to LKR 50,000,000/-
Loan Period
Interest Rate p.a
Fixed for 1 year
12.5% p.a.
Fixed for 2 year
13% p.a.
Fixed for 5 year
14.25% p.a.
Fixed for 10 year
14.75% p.a.

Personal Loan

Salary Category Loan Period
01 Year 02 Years 03 Years 04 Years 05 Years 06 Years 07 Years
LKR 50,000/- upto LKR 100,000/- 13.25% 13.75% 14.50% 14.75% 15.00% 15.00% 15.00%
LKR 100,001/- & above 13.00% 13.50% 14.25% 14.50% 14.75% 14.75% 14.75%

Seylan Scholar Loans

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
13.00
14.00
02 Years
13.75
14.75
03 Years
14.50
15.50
04 Years
15.00
15.50
05 Years
15.00
15.50
06 Years
15.00
15.50
07 Years
15.50
16.00

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.
13.00
14.00