Interest Rates in Sri Lanka

Deposit Rates

Product Type	Interest Rate (p.a)
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 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 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 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	7.50%	8.25%	8.75%	9.50%	11.00%	11.25%	12.00%	13.75%	13.00%
AER	7.76%	8.51%	8.94%	9.50%	10.45%	10.18%	10.30%	11.03%	8.69%
Monthly	-	-	-	9.00%	9.25%	9.50%	9.75%	10.50%	9.75%
AER	-	-	-	9.38%	9.65%	9.92%	10.20%	11.02%	10.20%
With effect from 4th June 2026

Senior Citizen FD Rates

Upahara FD Rs.10,000/- & above (Over 55 of Age)	1 Month	3 Months	6 Months	12 Months	24 Months	36 Months	48 Months	60 Months	120 Months
Maturity	7.50%	8.25%	8.75%	9.75%	11.25%	11.50%	12.25%	13.75%	13.00%
AER	7.76%	8.51%	8.94%	9.75%	10.68%	10.38%	10.48%	11.03%	8.69%
Monthly	-	-	-	9.25%	9.50%	9.75%	9.80%	10.50%	9.75%
AER	-	-	-	9.65%	9.92%	10.20%	10.25%	11.02%	10.20%
*With effect from 4th June 2026*
* Conditions apply

Minor FD Rates

	12 Months	24 Months	36 Months	48 Months	60 Months	120 Months
Maturity	9.50%	11.00%	11.25%	12.00%	13.75%	13.00%
AER	9.50%	10.45%	10.18%	10.30%	11.03%	8.69%
*With effect from 4th June 2026*

SDB Power Fixed Deposits

	120 Days	210 Days	330 Days	390 Days
Interest Rate at Maturity	10.00%	10.50%	10.75%	11.25%
AER	10.34%	10.73%	10.80%	11.21%
*With effect from 4th June 2026*
* Conditions apply

** These rates are applicable for deposits of LKR 500,000 and above.

Lending Rates

Product Category	SDB Bank Interest rate range % per annum		Rate Type
	Minimum	Maximum
Co-operative Sector & Microfinance institutions - Relending Purpose	14.90%	19.40%	Fixed
Co-operative & Microfinance institutions - Society	15.40%	21.40%	Fixed
Upahara / Uththamachara Loans	15.40%	17.40%	Fixed
Upahara / Uththamachara Loans	First 5 Yrs Fixed at given rate & thereafter Floating
Personal Loans for Employees of Government and Semi-Government Sector	15.40%	18.40%	Fixed
	More than 5 Yrs upto 10 Yrs:( 5 Yrs Fixed thereafter Floating)
Personal Loans for Employees of Private Reputed Companies	15.90%	17.90%	Fixed
Personal Loans for Employees of Private Reputed Companies	More than 5 Yrs upto 7 Yrs:( 5 Yrs Fixed thereafter Floating)
Sonduru Sewana/ Housing Loan	15.40%	19.40%	Fixed
Sonduru Sewana/ Housing Loan	15.40%	19.40%	5 Years Fixed, Thereafter Floating
All Purpose Property Backed Loans	14.40%	17.40%	Fixed
MSME, SME, Revolving, Business Purpose / Business Plus	14.40%	17.90%	Fixed
MSME, SME, Revolving, Business Purpose / Business Plus	More than 5 Yrs: Floating Rate
Merchant Quick Loan	20.00%	22.00%	Fixed
Pawning	15.00%		Fixed
Pawning	14.50% (For women who maintain a women's savings account with more than Rs.10,000/- balance (average 6-month balance))		Fixed
Gold Loans ( 3months & 6months)	15.00%		Fixed
Gold Loans ( 3months & 6months)	14.50% (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)	13.00%	29.00%	Fixed
Leasing / HP / Vehicle Loan (Registered)	13.00%	24.00%	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 15.04.2026

**Conditions apply

"Benchmark rate for floating loans (SDB internal) is 9.84%, subject to periodic revision. (CBSL Monthly AWPLR as at 1st May 2026: 9.75%)"

Foreign Currency Exchange Rates

Currency Code	Currency	Buying Rates	Selling Rates
AUD	AUSTRALIAN DOLLAR	232.58	246.24
EUR	EUROPEAN CURRENCY UNIT	381.33	397.58
GBP	BRITISH POUND	442.32	459.57
JPY	JAPANESE YEN	2.01	2.16
SGD	SINGAPORE DOLLAR	251.84	269.10
USD	US DOLLAR	330.93	339.73