Fixed Deposit
Fixed Deposit Calculator Sri Lanka
Compare Sri Lanka fixed deposit rates across banks and estimate maturity value or monthly interest for your chosen deposit amount.
| Bank | 1 Month | 3 Months | 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|---|---|---|---|
| Bank of Ceylon | 7% | 8% | 9% | 7% | 7% | 7% | 7% | 7% |
| National Savings Bank | 6% | 6% | 7% | 7% | 7% | 7% | 7% | 7% |
| Seylan Bank | - | 7% | 7% | 7% | 8% | 8% | 8% | 9% |
| Commercial Bank | 7% | 8% | 8% | 8% | 9% | 9% | 8% | 9% |
| People's Bank | 7% | 6% | 6% | 7% | 7% | 7% | 8% | 8% |
| NDB Bank | 8% | 7% | 8% | 8% | 9% | 9% | 9% | - |
| SDB Bank | 6% | 7% | 7% | 8% | 8% | 9% | 11% | 10% |
| Pan Asia Bank | 7% | 8% | 8% | 9% | 9% | 9% | 9% | 9% |
| Hatton National Bank | 7% | 8% | 8% | 8% | 9% | 9% | 8% | 9% |
| Nations Trust Bank | 6% | 7% | 7% | 7% | 8% | 8% | 10% | 10% |
| Union Bank | 7% | 7% | 7% | 7% | 9% | 9% | 9% | 9% |
| Amana Bank | - | 8% | 9% | 8% | - | - | - | - |
| Cargills Bank | 9% | 10% | 8% | 8% | 9% | 9% | 9% | 9% |
| Sampath Bank | 7% | 7% | 8% | 7% | 9% | 9% | 8% | 9% |
Source: CheckBill.LK public comparison logic and listed bank rate table. The reference comparison flow indicates these FD rates were last updated on 2026-01-01. Always verify the latest bank-specific rate and minimum deposit requirement before placing a fixed deposit.
How this calculator works
- Enter the deposit amount, choose the tenure, and decide whether to apply withholding tax.
- The calculator estimates profit and maturity value using the listed bank rates for the selected period.
- Below the calculator, the full rate table still shows all tracked banks across common fixed-deposit tenures.
Worked example
For LKR 1,000,000 over 12 months, the page estimates the maturity value and compares the bank rates for the same tenure.
Important assumptions
- This version uses the published bank-rate table captured from the referenced public comparison flow rather than live bank APIs.
- Interest is estimated using simple proportional annual interest for the selected tenure.
- If withholding tax is enabled, it is deducted from interest income using the selected rate, which defaults to 5%.
- The all-bank table below shows the lower listed rate when a bank publishes both maturity and monthly-interest options for the same tenure.
Methodology & trust
Last updated March 2026 · Reviewed by Lankacalculator editorial team
- This tool converts your amount, rate, and term inputs into an estimate using the finance formula defined for the calculator.
- The result is intended to help compare scenarios quickly before you rely on lender-specific fees, taxes, penalties, or product conditions.
- If the underlying product uses a different compounding method or pricing structure, the final real-world number may differ from the estimate shown here.
How to verify this
- Verify lender rates, compounding, fees, and eligibility rules against the relevant bank or provider before making a commitment.
- Compare the output with official product documents or current rate tables when the decision affects borrowing or savings.
- Use the result for screening and negotiation, then confirm details with the provider or a qualified adviser.
This page is meant for comparison and budgeting, not as a formal loan, deposit, or investment offer.
Using this result
When to use it
- Use this to pressure-test affordability before speaking to banks or lenders.
- Use it when comparing several rates, terms, or savings timelines side by side.
- Use it again whenever rates, tenure, or contribution assumptions change.
How to read it
- Focus on the total cost and monthly cash-flow impact, not only the headline rate.
- Use the result as a planning estimate before final lender fees, taxes, or eligibility checks.
- If the tool shows several metrics, compare the tradeoff between payment size and total cost over time.
Common mistakes
- Comparing offers by monthly payment alone while ignoring total interest or maturity value.
- Using rates that do not match the real bank product, compounding method, or fee structure.
- Forgetting that approval conditions and documentation can change the final offer.
Next steps
- Compare this output with rate pages, bank tables, or a second related calculator.
- Check whether fees, taxes, insurance, or penalties need to be added before deciding.
- Keep a margin of safety in the budget instead of planning at the absolute limit.
FAQ
How do I calculate fixed deposit interest in Sri Lanka?
Enter the deposit amount and tenure, then the calculator estimates profit, maturity value, and monthly income where relevant using the bank-rate data shown on the page.
Can I compare fixed deposit rates across banks here?
Yes. The page compares bank options for the selected tenure and also shows the wider rate table below the calculator.
Does this fixed deposit calculator include withholding tax?
Yes. You can switch withholding tax on and apply the selected rate so the result reflects a net-interest scenario instead of a gross-interest one.
Can I estimate monthly income from a fixed deposit?
Yes. Where a matching monthly-interest option exists, the result highlights the estimated monthly income alongside maturity-focused returns.