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Rates & Tariffs

Lending Rates

 

Effective From 15.10.2020
Tenure Interest Rate (Per Annum)
Unregistered Vehicles Registered Vehicles Sale & Lease - Back Leases Super Leases Other Assets Permit Holders' Lease
3 Years 9.25% 9.25% 9% 9.25% 11% 9.25%
4 Years 9.25% 9.25% 9.75% 9.25% 11.5% 9.25%
5 Years 9.5% 9.5% 10% 9.5% 12% 9.5%
6 Years 10% 10% 11.5% N/A N/A 10%
7 Years 10% 10% 12% N/A N/A 10%

 

Effective From 28.07.2020
Category Fixed Rate (Per Annum)
3 Years /
Less than
4 Years 5 Years 6 Years 7 Years
Professionals 9.5% 9.5% 9.75% N/A 10.5%
Salary above Rs.100,000/- 9.5% 9.5% 9.75% N/A 10.5%
Salary between Rs.50,000/- & Rs.99,999/- 10% 10% 10.5% N/A 11%
Salary between Rs.30,000/- & Rs.49,999/- 11% 11% 11.5% N/A N/A
Permit Holders 9.5% 9.5% 9.5% 10% 10.5%
  Floating Rate (Per Annum) - Reviewed Quarterly
Monthly salary up to Rs.100,000/- PLR+4%
Monthly salary above Rs.100,000/- PLR+3%
Professionals PLR+3%

 

Effective From 28.07.2020
Description Interest Rate (Per Annum)
Fixed Interest Rate 9.5% to 10.5%
Professionals, "Achiever" account holders, "Viru Sara" card holders 0.25% less than fixed rates (Except Privilege Home Loans)
Privilege Home Loans 9% (Maximum tenure of the loan is 5 years)

 

Effective From 05.10.2020
Description Interest Rate (Per Annum)
Loans 10%
Overdrafts 10%

 

Effective From 28.07.2020
Tenure Fixed Interest Rate (Per Annum)
5 Years 9%
7 Years 10%
   

 

Effective From 28.07.2020
Description Interest Rate (Per Annum)
Bank Funded Credit Lines
 
Micro Finance
Agriculture / Tea Developing / Others
13%
Dirishakthi 9%
Agri Business Loans
- 5 Years

10%
- 7 Years 11%
Agri Loans for Professionals
- 5 Years

10%
- 7 Years 11%
Paddy Purchasing Loans (NCRCS) 9.5% + 2% Commission
Biz Loan (Maximum Tenure 5 Years) 8.5%
COVID - 19 Support Loan  
- 3 Years 7%
- 5 Years 8%
   
Refinance Credit Lines  
Awakening North - PHASE II 9%
Resumption of Eco. Act. in Eastern Province - PHASE III 9%
Kapruka Ayojana 10%
Small Holder Plantation Development Loan Scheme (SPENDP) 9%
DASUNA Revolving Fund 10.5%
   
Interest Subsidy Credit Line  
New Comprehensive Rural Credit Scheme (NCRCS) 9%
Commercial Scale Dairy Development Loan Scheme 8%
   
   

 

Effective From 28.07.2020
Description Interest Rate (Per Annum)
Fixed Loans (Maximum Tenure 5 years) 9.5% 
Overdraft 10%
Temporary Overdrafts 15%
Remittance Cash Advance 12%
Advances Against Foreign Currency Deposits PLR + 1.5%
Advances Against Treasury Bills PLR + 1.5%
Hire Purchase Financing  12.5%
   
Education Loans  
With Personal Guarantors (Maximum Repayment 7 Years)  
- Up to 5 Years  11%
- 6 & 7 Years 12%
   
With Property Mortgages (Maximum Repayment 10 Years)  
-Up to 5 Years 10%
-More than 5 Years 11%
   
Pensioners' Loans   
- Up to 60 Months  10%
- 61 to 84 Months 10.5%
- 85 to 120 Months 11.5%
   
Green Loans / Leases   
- 3 Years 9.5%
- 4 Years 9.5%
- 5 Years  9.75% 
- 6 Years  10.25%
- 7 Years 10.25%