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Interest Rates

Regular Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly 2.50 2.53
Arunalu Children’s Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 4.00 4.07
Isuru Minors' Savings Plan

Interest Rate (p.a.)
Interest paid monthly 12.00
Dotcom Teen Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 3.00 3.04
Vibe Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 3.00 3.04
Anagi Women's Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly 2.75 2.78
Power Bonus Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly - (60% more) 2.50 4.07
Super Saver Account

Interest Rate (p.a.)

Annual Effective Rate
Rs.500,000/= and above 3.50 3.56
Rs.50,000/= to Rs.499,999/= 3.00 3.04
Below Rs.50,000/= 2.50 2.53
Yasasa Pensioners' Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Less than 60 Years 2.50 2.53
Above 60 Years 3.00 3.04
Udara Senior Citizens Account

Interest Rate (p.a.)

Annual Effective Rate
Udara Savings - Int paid monthly 3.00 3.04
Udara Fixed Deposits - Int paid monthly 15.40 16.53
Udara Fixed Deposits - Int at maturity 16.50 16.50
Millionaire Investment Plan

Interest Rate (p.a.)
Interest paid monthly 15.00
Seven Days Call Deposits

Interest Rate (p.a.)
Below Rs. 500,000/- 2.50
Rs 500,000/- and above 3.50
Money Market Account

Interest Rate (p.a.)
This Week's Rate (Tuesday to Monday) 13.50
Fixed Deposits

Interest Rate (p.a.)

Annual Effective Rate
1 Month (LKR) 13.00 13.80
2 Month (LKR) 13.50 14.28
3 Month (LKR) 15.00 15.87
6 Month (LKR) 15.50 16.10
12 Months -Interest paid monthly (LKR) 14.95 16.02
12 Months -Interest at maturity (LKR) 16.00 16.00
24 Months -Interest paid monthly (LKR) 13.95 14.88
24 Months -Interest paid annually (LKR) 14.90 14.90
24 Months -Interest at maturity (LKR) 16.00 14.89
36 Months -Interest paid monthly (LKR) 13.50 14.37
36 Months -Interest paid annually (LKR) 14.35 14.35
36 Months -Interest at maturity (LKR) 16.50 14.34
48 Months -Interest paid monthly (LKR) 13.05 13.86
48 Months -Interest paid annually (LKR) 13.85 13.85
48 Months -Interest at maturity (LKR) 17.00 13.85
60 Months -Interest paid monthly (LKR) 12.90 13.69
60 Months -Interest paid annually (LKR) 13.70 13.70
60 Months -Interest at maturity (LKR) 18.00 13.70
Special 100, 300 Days Fixed Deposits

Interest Rate (p.a.)

Annual Effective Rate
100 Days Fixed Deposit 16.50 17.51
300 Days Fixed Deposit 16.00 16.22

Sri Lanka Exchange Rates

Exchange Rates

Rate: Rupees per unit of foreign currency as at 2023-03-27

Currency

Cheques

Telegraphic Transfers
Buying Rate Selling Rate Buying Rate Selling Rate Buying Rate Selling Rate
US DOLLARS 314.27 332.50 314.29 332.50 317.50 332.50
EURO 337.67 359.50 335.12 359.50 340.11 359.50
STERLING POUNDS 384.19 408.54 381.37 408.54 386.94 408.54
JAPANESE YEN 2.4040 2.5503 2.3857 2.5503 2.4168 2.5503
SINGAPORE DOLLARS 234.05 253.07 232.15 253.07 234.52 253.07
AUSTRALIAN DOLLARS 206.87 222.61 205.35 222.61 209.39 222.61
SWISS FRANCS 336.18 369.57 334.50 369.57 337.87 369.57
KUWAITI DINARS 944.17 1,085.36 - 1,085.36 - 1,085.36
OMANI RIYALS 798.83 863.69 - 863.69 - 863.69
SAUDI ARABIAN RIYALS 81.09 90.44 - 90.44 - 90.44
UAE DIRHAMS 83.35 92.55 - 92.55 84.61 92.55
QATAR RIYALS 60.93 92.65 - 92.65 - 92.65
JORDANIAN DINARS 417.05 468.64 - 468.64 - 468.64
BAHRAIN DINARS 734.09 881.90 - 881.90 - 881.90
INDIAN RUPEES 3.46 4.19 - 4.19 - 4.19

Currency Converter



Note:

  • These are indicative exchange rates and is only applicable for small value transactions , Please note rates are subject to change based on market movements during the day.
  • TT Buying rates are applicable for Inward Remittances/Foreign Currency Account Transfers
  • Cheques Buying rates are applicable for Foreign Drafts / Cheques / International Money Orders.
  • TT Selling rates are applicable for Outward Remittances/ Currency Notes/Foreign Drafts.

FC Accounts

Fixed Deposit Rates for PFC / BFC Accounts

Effective from 01.03.2023

Currency Interest Rate % (p.a.)
1 Month 3 Months 6 Months 1 Year
US Dollars (USD) 4.50 5.50 6.00 6.50
EURO (EUR) 1.50 3.25 3.50 4.50
Great Britain Pounds (GBP) 1.75 3.75 4.00 5.00
Japanese Yen (JPY) 0.50 0.60 0.75 0.90
Canadian Dollar (CAD) 0.75 1.00 1.25 1.75
Swiss Franc (CHF) 0.60 0.75 0.90 1.00
Singapore Dollars (SGD) 0.40 0.50 0.75 1.00
Australian Dollars (AUD) 2.00 3.50 4.00 5.00
Hong Kong Dollars (HKD) 0.60 0.75 0.90 1.25
New Zealand Dollars (NZD) 1.00 1.50 1.75 2.25
Chinese Yuan (CNY) 1.50 2.00 2.25 2.50
Norwegian Kroner (NOK) 0.25 0.50 0.75 1.00
Swedish Krona (SEK) 0.15 0.25 0.40 0.50
UAE Dirham (AED) 0.15 0.20 0.25 0.30

Note: Minimum amount required to open a Foreign Currency Fixed Deposit is 1,000/- in the currency selected, except for JPY. Minimum deposit for JPY is 100,000/- 

 

1 Years Fixed Deposits USD EUR GBP AUD
Interest paid - Monthly 6.30 4.41 4.89 4.89

 

2 Years Fixed Deposits USD EUR GBP AUD
Interest paid - Monthly 6.57 4.55 5.00 5.00
Interest paid - Annually 6.77 4.64 5.12 5.12
Interest paid - At maturity 7.00 4.75 5.25 5.25

 

3 Years Fixed Deposits USD
Interest paid - Annually 6.56
Interest paid - At maturity 7.00

 

4 Years Fixed Deposits USD
Interest paid - Annually 6.57
Interest paid - At maturity 7.25

 

Special Foreign Currency Fixed Deposit Product (Dollar Plus) USD
15 Months - At maturity (Special rates will not be considered)  8.00
Interest Rates on Foreign Currency (PFCA / BFCA) Savings Accounts

Effective from 16.07.2020
Currency
Interest Rate %( p.a.)
US Dollars (USD)
1.00
EURO (EUR)
0.25
Great Britain Pounds (GBP)
0.25
Japanese Yen (JPY)
0.10
Canadian Dollars (CAD)
0.50
Swiss Francs (CHF)
0.25
Singapore Dollars (SGD)
0.25
Australian Dollars (AUD)
1.00
Hong Kong Dollars (HKD)
0.50
New Zealand Dollars (NZD)
1.00
Chinese Yuan (CNY)
1.00
Norwegian Kroner (NOK)
0.25
Swedish Kroner (SEK)
0.15
UAE Dirham (AED)
0.10

Interest Rates on FC Plus (High and Variable Interest NRFC/RFC Savings) Accounts for the month of March 2023
Currency 1 MONTH
LIBOR %		 "FC Plus" Interest Rates % ( p.a.)
Upto 5,000 For 5,001 –25,000 For 25,001 -50,000 For 50,001 - 100,000 For 100,001 and above
USD 4.66517 6.915 6.915 6.915
 7.290 7.540
EUR 2.54200 4.167 4.167
 4.167
 4.292 4.542
GBP 3.97150 5.222 5.222
 5.222
 5.347 5.472
AUD 3.37000 4.520 4.520
 4.520
 4.770 5.020
Forex Plus Fixed Deposit Rates
Currency Interest Rate % (p.a.)
2 Years 3 Years 4 Years 5 Years
USD 8.50 8.50 9.00 9.50
EUR 5.00 5.00 5.50 6.00
GBP 5.00 5.00 5.50 6.00
AUD 6.00 6.00 6.50 7.00
Foreign Currency Children’s Savings Account
Currency Interest Rate % (p.a.)
USD 3.50
GBP 2.25
EUR 2.25
AUD 3.00

General Tariffs

Current Accounts


Effective From 01st November 2022

  FEE
1.1 Monthly Service Charge:  
Business Account - Monthly Average Balance < Rs 25,000/- Rs 300/- Per Month
Personal Account - Monthly Average Balance < Rs 10,000/- Rs 200/- Per Month
Achiever's Account - Monthly Average Balance < Rs. 10,000/- Rs 200/- Per Month
1.2 Outward Cheque Returns   
Refer To Drawer Rs 3,500/-
Effects Not Realized Rs 750/-
Technical Reasons Rs 100/-
1.3 Inward Cheque Returns (Deposited Cheque Returns)  
Handling Charges Per Cheque Rs 100/-
Postage  Rs 45/-
1.4 Transfer Cheque Represented - Refer to Drawer Rs 500/-
1.5 Cheque Marked For Payment   
(a) Inward Rs 2,500/-
(b) Outward Rs 4,000/-
1.6 Stop Payments  
Due To Lack Of Funds Rs 4,000/-
Others Rs 750/-
Loss Of A Cheque Book Rs 3,000/-
Cancellation Rs 500/-
1.7 Current Account Statements - Monthly Service Charge  
Daily Statements Rs 2,000/-
Weekly Statements Rs 1,000/-
e-Statements No Charge
1.8 Printed Copies Of Statements  
If Available In The System (Per Statement) Rs 250/-
If Not Available In The System (Per Statement) Rs 1,500/-
Extra Copies (Per Statement) Rs 250/-
1.9 Local Bills Purchased (Including Pay Orders Issued by Other Banks) 0.75% Of Transaction
Minimum Rs 750/-
Salary Cheque's Drawn By The Government Or Reputed Private Companies Acceptable To The Bank No Charge
1.10 Cost Of Cheque Books (Per Leaf, Including VAT) Rs 35/-
Postage Actual Postages
Continuous Cheque Leaves Rs 30/- Per Leaf + Printing Charges
1.11 SWEEP/ZBA Facility Monthly Service Charge  
Business Accounts Rs 250/- Per Month
Personal Accounts Rs 100/- Per Month
1.12 Closure Of Current Accounts  
For Bad Conduct Rs 1,500/-
On Customer Request Rs 1,000/-
Additional Fee For Unreturned Cheque Leaves (Per Leaf) Rs 50/-
1.13 Preparation Of Cash Orders 0.250% Of The Cash Order Plus Transport Cost
Minimum Rs 1,000/-
1.14 Balance Inquiry  Rs 100/- Per Slip
1.15 Excess in Current Accounts (Above The Limit Or Without Approved Limits)  
Personal Accounts Rs 2,000/-
Business Accounts Rs 2,500/-
Savings Accounts


Effective From 28th October 2020

  FEE
2.1 Closure of Savings Accounts  
Rupee Accounts Rs 500/-
Foreign Currency Accounts Rs 500/-
2.2 Printed Copies of Statements  
Statement Accounts - Per Statement Rs 300/-
Passbook Accounts - Per Page Rs 200/-
2.3 Issue of Duplicate Passbooks Rs 500/-
2.4 Savings Accounts Monthly Service Charges  
Monthly Average Balance < Rs 1,000/- Rs 25/- Per Month
2.5 Fee On No Book Withdrawals (Any Amount) Rs 15/-
2.6 Savings Withdrawals Presented With Passbook And Statement Savings Withdrawals  
Up to Rs 200,000/- (Except For Senior Citizens)  Rs 15/-
Above Rs 200,001/- No Charge
2.7 Same Day Transaction Fees   
If a deposit is made to a savings account and the similar amount is withdrawn from the account during the day and if the number of similar transactions carried out during a particular month, is between 5 to 10 (subject to monthly turnover of Rs 100,000/- and above) Rs 1,500/-
If a deposit is made to a savings account and the similar amount is withdrawn from the account during the day and 10 or more such transactions are carried out during a particular month (subject to monthly turnover of Rs 100,000/- above) Rs 2,500/-
Note:This fee will be recovered from the savings account in the subsequent month if the transactions carried out  during a particular month fall under one of the above categories  
3 Fixed Deposits  
Duplicate Fixed Deposit Certificate Rs 3,000/-
General Operations

Effective From 15th August 2022

  FEE
4.1 Balance Confirmations To Embassies, Auditors And
Other Institutions (Per Confirmation) 		 
Embassies, Auditors - (Standard Format) Rs 350/-
Other Formats (With Approval) Rs 500/-
Self Addressed Confirmation Letters Rs 350/-
Other Institutions (Per Confirmation) Rs 500/- For Current Year
Search Fee For Collection Of Data For Tax Purposes, Interest Recovered /Paid etc Rs 1,000/- For Each (Previous Year)
   
4.2 Inquiries On Transactions
Savings Or Current Accounts		  
Less Than 01 Year - Per Transaction Rs 750/-
More Than 01 Year - Per Transaction Rs 1,500/-
4.3 Pay Orders - Issuance  
(a) Customer Rs 500/-
(b) Non Customer Rs 1,000/-
Cancellations  
(a) Customer Rs 500/-
(b) Non Customer Rs 750/-
Issuance Of Duplicate Pay Orders  
(a) Customer Rs 1,000/-
(b) Non Customer Rs 1,500/-
4.4 Transfer Orders  
(a) Setting Up Charges - External & Internal Rs 250/-
(b) External - (Including Postage) Rs 125/-
(c) Amendments  Rs 100/-
(d) Non Sufficient Funds Rs 50/-
4.6 SLIPS Transfers (Per Transaction)  
On Customer Request   Rs 50/- 
Transfer Orders  Rs 50/- 
Fixed Deposit Interest No Charge 

4.7 CEFTS Transfers (Per Transaction)

  
On Customer Request Rs 100/-
Online Banking / Mobile Banking Rs 30/-

4.8 RTGS Transfers (Per Transaction)

 Rs 400/-

4.9 Manual Fund Transfers

  

Between Own, Related Or Unrelated Rupee Accounts

 Rs 150/-

From Personal Foreign Currency Accounts

 Rs 150/-
From Non Personal Foreign Currency Accounts Rs 200/-
4.10 Online Banking  
Personal Customers - Joining Fee No Charge 
Personal Customers - Annual Fee (Applicable From Year 2) Rs 500/
Corporate Customers - Annual Fee Per User (Applicable From Year 1) Rs 1,000/-
Online To Sri Lanka Customs (Per Transaction) Rs 50/-
Online To SLPA (Per Transaction) Rs 50/-
ETC (Electronic Toll Card Top Ups) Rs 50/-
4.11 Mobile Phone Banking (Com SMS) Registration Fee No Charge
4.12 SMS Alert (Conditions Apply)  
(a) Joining Fee No Charge 
(b) Annual Fee - Charged Upfront  Rs 500/-
4.13 e-Passbook Facility  
(a) Joining Fee No Charge
(b) Annual Fee No Charge
4.14 Mobile Reload (Com e-Load) Registration Fee No Charge
4.15 Salary Remittance Package (PayMaster )  
IntraBank Accounts  Rs 1,000/-
Including Other Banks Accounts Rs 2,000/- + LCPL Charges
Other Bank Accounts Only Rs 2,000/- + LCPL Charges
Inward SLIPS Recalled By Other Banks (Per Transactions) Rs 100/-
PayMaster Stop Payments / Recalls (Per Transactions) Rs 250/-
Outward SLIPS / CEFTS Recalls (Per Transactions) Rs 100/-
Direct Debit - Registration Fee  Rs 500/-
Direct Debit - Returned Fee Rs 250/-
4.16 Salary Schedules  
Per Credit Item Rs 100/-
Minimum Rs 1,000/-
4.17 Utility Bill Payments  
Telecom Bills - (SLT) Rs 25/-
Electricity Bills - (CEB) Rs 25/-
Electricity Bills - (LECO) No Charge
Water Bills Rs 25/-
4.19 Treasury Bills / Treasury Bonds Application Processing Fees Rs 10,000/- (Per Application)
Remittance
    FEE
6.1 Outward Remittances    
6.1.1 SWIFT Payments    
(a) Customers 1) From Foreign Currency Account Education & Others - Rs. 4,000/-
Import & Services Rs -. 5,000/-
  2) From Rupee Accounts Education & Others - Rs. 4,000/-
Import & Services – 2% (Min Rs.5,000/-)
  Foreign Bank Charges

USD 10/- - 47.20

EUR 5/-  - 35/-

GBP 15/-

AUD 25/-  40/-

JPY 2,500/- - 6,500/-

SGD 20/-

CAD 14/-

NZD 25/-

HKD175/-
  Other Currencies Contact Travel Department
(b) For Migration Purposes   Rs 5,000/-
6.1.2 Amendment And Re-Effect - Outward Remittances (a) Amendment Rs 2,000/-
  (b) Re-Effect  Rs 2,000/-
6.1.3 Issue of Foreign Drafts (a) Personal Customers And Exam Fees Rs 4,000/-
  Business Customers  Rs 5,000/-
  For Migration Purposes Rs 5,000/- Plus
Rs 1,500/- (SWIFT Confirmation Charges)
Foreign Bank Charges  Standard Chartered Bank- London GBP 25/- (On MICR encoded GBP Drafts)
GBP 40/- (On Non MICR Encoded GBP Drafts)
  Commerz Bank, Frankfurt EUR 30/­-
  (b) Non Customers (Only For Education Purpose)  
  Minimum Rs 1,000/-
  If Postage Required Rs 100/-
Foreign Bank Charges  Standard Chartered Bank- London

GBP 5/- (On MICR Encoded GBP Drafts)
GBP 40/- (On Non MICR Encoded GBP Drafts)
  National Australia Bank - Melbourne

AUD 15/-
  Commerz Bank, Frankfurt

EUR 30/-
  (c) Stop Payment Rs 1,000/- Plus
  Foreign Bank Charges USD 25/-, GBP 50/-, SGD 30/-
 

Other Currencies

 Contact Travels Department
 

(d) Cancellation Of Drafts

  
  Customers Rs 1,000/-
  Non Customers Rs 1,500/-
  (e) Foreign Bank Charges On Drafts Returned GBP 50/­-
  Other Currencies Contact Travels Department

6.2 Inward Remittances (Except for e-remittances)

    
6.2.1 Payment In LKR (a) Customers

Rs 300/-
  (b) Transfer Through SLIPS To Other Banks Rs 500/-

6.2.2 Payment In Foreign Currency

    
  (a) Customers (PFC) No Charge
 

(b) (Personal / Non Personal Foreign Currency Accounts )
     (BFC / IIA / DFA / RGFCA / OIA) 

USD 5/-
 

(b) Non Customers

- SWIFT

USD 25/-
   -Draft

USD 10/-
6.3 Inquiries    Rs 1,000/-
On inward Remittances Rs 1,000/-
Confirmation Letters of Inward / Outward Remittances Rs 1,000/-
6.4 Personal Foreign Currency Accounts - Quarterly Service Charge    
Monthly Average Balance   USD 5/-
6.5 Off Shore Banking Centre    
6.5.1 Current Or Savings Accounts: Remittances (a) Inward Remittances
(b) Outward Remittances		 USD 7/-
USD 30/-
6.5.2 Inquiries And Amendments On Outward Remittances   USD 10/-
6.5.3 Drafts (a) Local USD Drafts USD 10/-
  (b) Foreign Drafts ( All Currencies ) USD 10/-
  (c) Stop Payments On Drafts USD 10/-
6.5.4 Standing Orders   USD 5/-
6.5.5 Balance Confirmations   USD 5/-
6.5.6 RTGS   Rs 1,000/-
Equivalent In USD
6.5.7 Copies Of Statements (a) If Available In The System (Per statement) USD 1/-
  (b) If Not Available In The System (Per statement) USD 5/-
6.5.8 Closure Of Accounts   USD 10/-
6.5.9 Internal Rupee & Foreign Currency Transfers   USD 2/-
6.5.10 Issuance Of Foreign Currency Notes, SLIPS/CEFT Transfers And Rupee Pay Orders   Same Charges As Domestic Unit
Charges on Advances
ADVANCES FEE
7.1.1 New Facility  

Up to Rs 250,000/-

Rs 2,000/-

Rs 250,001/- to Rs 500,000/-

Rs 3,000/-

Rs 500,001/- to Rs 1,000,000/-

Rs 5,000/-
Rs 1,000,001/- to Rs 5,000,000/-

Rs 7,500/-

Rs 5,000,001/- to Rs 10,000,000/-

Rs 10,000/-

Rs 10,000,001/- to Rs 25,000,000/-

Rs 15,000/-

Rs 25,000,001/- to Rs 50,000,000/-

Rs 20,000/-

Rs 50,000,001/- to Rs 100,000,000/-

Rs 30,000/-
Rs 100,000,001/- to Rs 500,000,000/- 0.04% Of The Facility

Rs 500,000,001/- to Rs 1,000,000,000/-

0.05% Of The Facility

Over Rs 1.0 Bn

Contact Nearest Branch

Home Loans

As Above

Personal Loans Setting Up Charges

  

Up To Rs 500,000/-

Rs 2,500/-

Rs 500,001/- to Rs 1,000,000/-

Rs 5,000/-

Rs 1,000,001/- to Rs 3,000,000/-

Rs 10,000/-

Rs 3,000,001/- to Rs 5,000,000/-

Rs 15,000/-

Over Rs 5,000,000/-

Rs 25,000/-

Personal Loans Top-up Charges

 
Up To Rs 1,000,000/- Rs 2,500/-
Rs 1,000,001/- to Rs 3,000,000/- Rs 3,750/-
Rs 3,000,001/- to Rs 5,000,000/- Rs 5,000/-
Over Rs 5,000,000/- Rs 10,000/-
Short Term Cultivation Loans Under NCRCS  
Loans Up To Rs 200,000/- Rs 2,000/-
Loans Above Rs 200,000/- To Rs 500,000/- 1.00% Of The Facility
Note : Additional Rs 300/- Will Be Charged As CRIB Charges  
Microfinance Loans Under All Products  
Loans Up To Rs 250,000/- Rs 2,000/-
Loans Above Rs 250,001 To Rs 500,000/- Rs 3,000/-

7.1.2 Renewal Of Facility

  

Up to Rs 250,000/-

Rs 750/-

Rs 250,001/- to Rs 500,000/-

Rs 1,000/-

Rs 500,001/- to Rs 1,000,000/-

Rs 2,000/-

Rs 1,000,001/- to Rs 5,000,000/-

 Rs 3,000/-

Rs 5,000,001/- to Rs 10,000,000/-

Rs 5,000/-

Rs 10,000,001/- to Rs 25,000,000/-

Rs 7,500/-

Rs 25,000,001/- to Rs 50,000,000/-

Rs 10,000/-

Rs 50,000,001- to Rs 100,000,000/-

Rs 20,000/-
Rs 100,000,001/- to Rs 500,000,000/- Rs 35,000/-
Rs 500,000,001/- to Rs 1,000,000,000/- Rs 50,000/-
Rs 1,000,000,001/- to Rs 2,000,000,000/- Rs 75,000/-
Rs 2,000,000,001/- to Rs 3,000,000,000/- Rs 100,000/-
Over Rs.3.0 Bn Rs 125,000/-

Loans Where There Are No Changes

No Fees

Loans Where The Change Is Only The Rate Of Interest

No Fees

Note:
When a facility is renewed with additions, the following criteria will be followed
a) For the quantum of additional facilities, charges as per 7.1.1 will be applied. Indirect facilities will be treated as noted therein. 
b) For the renewal of existing facilities charges as per 7.1.2 will be applied

 

7.1.3 Facilities Secured By Cash

  

New Facility

  

Up to Rs 500,000/-

 Rs 1,000/-
Above Rs 500,000/- Rs 2,000/-

Renewal Of Facilities

  

Up to Rs 500,000/-

 Rs 500/-

Above Rs 500,000/-

 Rs 1,000/-

7.1.4 Leasing

  
New Facility (Per Facility)  
Up to Rs 500,000/- Rs 2,500/-
Rs 500,001 - Rs 1,000,000/- Rs 3,500/-
Rs 1,000,001 - Rs 2,500,000/- Rs 5,000/-
Rs 2,500,001 - Rs 5,000,000/- Rs 6,000/-
Rs 5,000,001 - Rs 10,000,000/- Rs 7,500/-
Above Rs 10,000,000/- Rs 10,000/-
For Registered Vehicles - Additional Rs 1,500/-

7.1.5 Hire Purchase

  

New Facility (Per Facility)

  
Up to Rs.500,000/- Rs 2,500/-
Rs 500,001/- to Rs 2,500,000/- Rs 3,500/-
Over Rs 2,500,000/- Rs 5,000/-
7.1.6 Temporary Facility  
Up to Rs 100,000/- Rs 1,000/-
Rs 101,000/- to Rs 250,000/- Rs 2,000/-
Rs 250,001/- to Rs 500,000/- Rs 3,000/-
Rs 500,001/- to Rs 1,000,000/- Rs 5,000/-
Rs 1,000,001/- to Rs 5,000,000/- Rs 10,000/-
Rs 5,000,001/- to Rs 10,000,000/- Rs 15,000/-
Rs 10,000,001/- to Rs 50,000,000/- Rs 20,000/-
Rs 50,000,001/- to Rs 100,000,000/- Rs 30,000/-
Rs 100,000,001/- to Rs 500,000,000/- 0.04% of Facility
Over Rs 500.00 Mn 0.05% of Facility
7.1.7 Investment Banking  
Prepayment Charges Considering a Tenure Of 8 Years 1 Year 3.00% - 5 Year 1.00% 
  2 Year 2.50% - 6 Year 0.75%
  3 Year 2.00% - 7 Year 0.50%
  4 Year 1.50% - 8 Year 0.25%
Commitment Fees 1% Of The Amount Not Drawn Down After A Specific Time
  (Set According To A Expected Draw Down Schedule)
Cancellation Fees 0.75% Of The Amount Cancelled

7.2 Off-Shore Banking Centre

  

7.2.1 New Facility

Will Be Applicable For Permanent As Well As Temporary Facilities

  

Up to USD 100,000/-

 USD 150/-

USD 100,001/- to USD 500,000/-

 USD 250/-

USD 500,001/- to USD 1,000,000/-

USD 400/-

USD 1,000,001/- to USD 1,500,000/-

USD 500/-

USD 1,500,001 to USD 3,500,000/-

0.04% Of The Facility, Rounded Off To The Next 10 Dollars

Over USD 3,500,000/-

Contact Nearest Branch / Off-Shore Banking Department

7.2.2. Renewal Of A Facility

Will Be Applicable For Permanent As Well As Temporary Facilities

  

Up to USD 500,000/-

USD 100/

USD 500,001/- to USD 1,000,000/-

USD 200/-

USD 1,000,001 to USD 2,000,000/-

USD 300/-

USD 2,000,001 to USD 4,000,000/-

USD 400/-

USD 4,000,001 to USD 10,000,000/-

USD 500/-
Over USD 10,000,000/- USD 1,000/-
Loans Where There Are No Changes No Fees
Loans Where The Change Is Only The Rate Of Interest No Fees
Note:
When a facility is renewed with additions, the following criteria will be followed
a) For the quantum of additional facilities, charges as per 7.2.1 will be applied
b) For the renewal of existing facilities charges as per 7.2.2 will be applied		  

7.2.3 Facility Secured By Cash

  

New Facilities

USD 100/-

Renewal of A Facility

USD 50/-
Import Transactions

Effective From 01st November 2022

  FEE
  DOMESTIC OBC
(A) Letter of Credit    
1. Issuing Commission (Including Tolerance)    
1.1 Sight L/C    
Up to 90 Days 2% Per Quarter 0.25%
Minimum Rs 10,000/- USD 50/-
For Each Additional 30 Days Or Part There Of 0.2% 0.125%

Note :
PQ - Per Quarter (90 Days)
PM - Per Month (30 Days)

    
1.2 Usance L/C    
Up to 90 Days 2% Per Quarter 0.375%
Minimum Rs 10,000/- USD 50/-
For Each Additional 30 Days Or Part There Of 0.2% 0.10% Per Month
Maximum For Each Additional 90 Days Period is Calculated Inclusive of Usance Period N/A 0.25% Per Quarter 
i.e Expiry Date Plus Usance Period    
1.3 Standby Doc Credit 0.20% Per Month  
Minimum Rs 7,500/-  
1.4 Back To Back LC    
Additional Handling Charge Rs.5000/- USD 50/-
1.5 Entrepot Trade Based L/C    
Additional Handling Charge Rs.5000/- USD 50/-
1.6 SWIFT Charges - Full SWIFT Rs 4,000/- USD 55/-
If Any Annexure (Per Page)  Rs 500/- USD 10/-
Local Courier Rs 1,000/- USD 10/-
Foreign Courier  Rs 4,000/- USD 40/-
2 Amendment Commission (Including Tolerance)    
2.1 Extensions    
(i) Extension Within Same Month (30 Days) Rs 5,000/- USD 30/-
(ii) Extension Exceeding Previously Charged Month For Each Additional 30 Days On Unutilized Balance    
Sight L/C 0.2% Per Month 0.125% Per Month
Usance L/C 0.2% Per Month 0.10% Per Month
Maximum For Each Additional 90 Days N/A 0.25% Per Quarter
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 3,000/- USD 25/-
2.1.1 Sight L/C Extension After Expiry    
For Each Additional 30 Days    
-On Unutilized Balance - 0.2% Per Month  0.125% Per Month 
Maximum For Each Additional 90 Days N/A 0.25% Per Quarter
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 3,000/- USD 25/-
2.1.2 Usance L/C Extension After Expiry    
For Each Additional 30 Days    
-On Unutilized Balance - 0.2% Per Month  0.10% Per Month 
Maximum For Each Additional 90 Days  N/A 0.25% Per Quarter
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 3,000/- USD 25/-
2.2 Enhancement Commission    

(On Enhanced Amount-Inclusive of Tolerance)

    
2.2.1 Sight L/C    
Up to 90 Days 2% Per Quarter 0.25% Per Quarter
For Each Additional 30 Days 0.2% Per Month 0.125% Per Month
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 3,000/- USD 25/-
2.2.2 Usance L/C    
Up to 90 Days 2% Per Quarter 0.375% Per Quarter
For Each Additional 30 Days 0.2% Per Month 0.10% Per Month
Maximum For Each Additional 90 Days N/A 0.25% Per Quarter
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 3,000/- USD 25/-
2.3 Other Amendments Rs.5,000/- USD 30/-
2.3.1 Other Amendments / Extensions / Enhancements / Charges On Beneficiary Accounts USD 80/- USD 75/-
2.4 Local LC Advising Charges - Beneficiary    
Non Customer Rs.3000/- USD 30/-
Customer No Charge No Charge
2.5 LC Cancellation Handling Fee Rs.3000/- USD 30/-
SWIFT Charges Rs.2000/- USD 25/-
2.6 Confirmation Fee Rs 10,000/- USD 30/-
2.7 LC Issuing Drafts    
2.7.1 L/C  First Draft Rs 2,000/-.Additional Rs.1000/- each USD 10/-
2.7.2 Amendments Rs 1,000/- USD 10/-
(B) Import LC & Collection Bills Settled In Foreign currency    
Commission In Lieu of Exchange - On Bill Value On Account of Foreign Currency Sourced From Other Banks etc. For Settlement Of Import Bills  0.125% 0.125%
Settlement of Bills Under Foreign Currency Loans  0.125% 0.125%
Minimum USD 30/- USD 30/- 
(C) Collection    
1.1 Documents Against Payment (D/P)    
Commission 2% of Value 0.375% of Value
Minimum Rs 10,000/- USD 40/-
SWIFT Charges Rs 3,000/- USD 30/-
Postages Rs 100/- USD 5/-
1.2 Documents Against Acceptance (D/A)    
Commission 2% of Value 0.5% of Value
Minimum Rs. 10,000/- USD 40/-
SWIFT Charges Rs 3,000/- USD 30/-
Postages Rs 100/- USD 5/-
1.2.1 Overdue DA Bills Commission Rs 2,000/- Per Month USD 25/- Per Month
1.2.2 Reinstate Charges Of Closed DA Bills  Rs 3,000/- USD 30/-
1.3 Endorsement Of B/L Consigned To Bank Rs 2,000/- USD 20/-
1.4 Collection Bills Amendments Charges Rs 2,000/- USD 20/-
1.5 Entrepot Trade Based - DP/DA Bills Rs 2,000/-  
Additional Handling Charges   USD 20/-
1.6 Correspondence Charges Rs 2,000/- Local
USD 20/- Foreign 		  
(D) Shipping Guarantees / Advance Documents    
1.1 Shipping Guarantee Commission    
On Invoice Value 0.513% +VAT 0.385% +VAT
Minimum Rs 7,500/- USD 40/-
1.1.1 Shipping Guarantees Outstanding Beyond One Month Of Issuance Rs 2,500/- USD 20/-
1.2 Advance Documents - Commission Rs 5,000/- USD 40/-
1.2.1 Advance Released & Not Received Originals For Payment / Acceptance Per For Month (Outstanding Over 30 Days)  Rs 1,000/- Per Month USD 10/- Per Month
(E) SWIFT Payments    
1.1 Advance Payments Under Mixed Payment Terms    
Commission 2% On Invoice Value USD 30/- Fixed
Minimum Rs 5,000/-  
Maximum No maximum fee  
1.2 Open Account Terms    
Commission 2% On Invoice Value USD 30/- Fixed
Minimum Rs 10,000/-  
Maximum No maximum fee  
(F) LC Bills Payment    
(1) Foreign Bills    
1.1 Sight    
Commission Rs 10,000/- 0.25%
SWIFT Charges Rs 2,000/- USD 35/-
1.2 Usance    
Acceptance Commission 0.50% 0.2%
Minimum Rs 10,000/- USD 30/-
SWIFT Charges Rs 2,000/- USD 35/-
(2) Local Bills    
2.1 Handling Fee Rs 5,000/-  
2.2 Remittance Of Proceeds Direct Credit CBC Account NIL Equivalent To Rs 1,000/-
RTGS Commissions Rs 1,000/- Rs 1,000/-
(3) Unpaid L/C Bills (Sight / Usance)     
Handling Fee (After One Month Of Receipt ) Rs 2,000/- Per Month USD 20/-Per Month
(4) Non Submission Of Accepted SOLA Draft     
Handling Fee (Charged After Two Weeks Of Release) Rs 1,000/- Per Week USD 10/- Per Week
(5) Documents Transferred To Local Banks Rs 10,000/- USD 50/-
(G) Guarantees    
All types Of Guarantees Issued    
1 Issuing Commission    
1.1 Against 100% Cash Margin For Each Guarantee 1.026% Per Annum + VAT 1.026% Per Annum + VAT
1.2 Against A Lien On Interest Bearing Deposit  1.538% Per Annum + VAT 1.538% Per Annum + VAT 
1.3 Against Other Securities 2.051% Per Annum + VAT  2.051% Per Annum + VAT 
1.4 Minimum Commission For Issuance Rs 3,100/- + VAT USD 50/- + VAT
2 Amendments     
2.1 Extension Within Same Quarter - Commission Rs 2,100/- + VAT USD 50/- + VAT
Extension Exceeding Previously Cash 1.026% Per Annum + VAT Cash 1.026% Per Annum + VAT
Charged Quarter For Each 90 Days On Available Balance Lien 1.538% per Annum + VAT Lien 1.538% per Annum + VAT
  Other 2.051% Per Annum + VAT Other 2.051% Per Annum + VAT
Minimum Rs 2,100/- +VAT USD 50/- + VAT
2.3 Other Amendments Rs 2,100/- + VAT USD 50/- + VAT 
2.4 Processing Fee    
Bank and Approved Formats   NIL NIL
Other Formats Rs 1,050/- + VAT USD 10/- + VAT
2.5 Claims Handling Charge (Including Customs Guarantees) Rs 2,100/- + VAT USD 10/- + VAT
2.6 Cancellation Of Guarantees    
Non Submission Of Original Guarantee Bond After Expiry Rs 250/- + VAT USD 25/- + VAT
Submission Of Original Guarantee Bond No Charge  No Charge 
3 Guarantees Issued At The Request Of Foreign Bank Against their Counter Guarantees    
General Charges - Rates Of Commission 2.051% Per Annum + VAT  
Minimum Commission - For Issuance USD 200/- + VAT  
SWIFT Charges USD 20/-  
Courier Charges If Requested To Deliver To Beneficiary USD 10/-  
Minimum Commission - For Amendments USD 50/- + VAT  
SWIFT Charges  USD 20/-  
Courier Charges If Requested TO Deliver TO Beneficiary USD 10/-  
4 Advising Guarantees Issued By Foreign Banks Without Any Responsibility of Bank USD 50/- + VAT  
Foreign Travel


Effective From 15th March 2022

  FEE
5.1 Issue Of Foreign Currency Notes  
Rupee Account 2.00% on Transaction Amount
Minimum Rs 1,000/-
DBU / FCBU Accounts 2.00% on Transaction Amount
Minimum Rs 1,000/-
Personal Foreign Currency Accounts No Commission
5.2 Documentation Charges for Migration Rs 1,000/-

Cards & ATM Tariffs

Silver & Gold Credit Cards
  SILVER GOLD
Primary Card Annual Fee Rs 1,500/- Rs 2,500/-
Supplementary Card Annual Fee Rs 1,000/- Rs 1,000/-
Primary Card Joining Fee Rs 1,000/- Rs 1,250/-
Supplementary Card Joining Fee Rs 1,000/- Rs 1,250/-
Cash Advance Limit 50.00% x Limit 75.00% x Limit
Interest Free Period Minimum 21 Days - Maximum 51 Days Minimum 21 Days - Maximum 51 Days
Minimum Payment (Active Accounts) w.e.f 05.05.2022 4.00% x Total outstanding 4.00% x Total outstanding
Cash Advance Fee - Through ATM Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Cash Advance Fee - Over The Counter Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Manual Cash Advance handling Fee Rs 300/- Rs 300/-
Over Limit Fee Rs 500/- or 2.00% whichever is higher Rs 500/- or 2.00% whichever is higher
Late Payment Fee Rs 1,000/- or 2.00% whichever is higher Rs 1,000/- or 2.00% whichever is higher
PIN Creation-(Replacement) Free Free
Transfer from Bank Account To Card Account Free Free
Interest Monthly (36% APR) w.e.f 05.07.2022  
 3.0% 3.0%
Card Replacement Rs 400/- Rs 400/-
Limit Enhancement Fee Free Free
Limit Enhancement Fee Within One Day Free Free
Cheque Return Rs 500/- Rs 500/-
Statement Copies (Except Last Statement) Rs 100/- Rs 100/-
Limit / Interest Confirmation Letter Rs 350/- Rs 350/-
Retrieval Of Local Sales Vouchers  Rs 250/- Rs 250/-
Retrieval Of Foreign Sales Vouchers Rs 500/- Rs 500/-
Fuel Surcharge (Paid to Acquiring Bank) 1.00% 1.00%
Corporate & Platinum Credit Cards
  CORPORATE PLATINUM
Primary Card Annual Fee Rs 3,000/- Rs 3,500/-
Supplementary Card Annual Fee - Rs 1,500/-
Primary Card Joining Fee - Rs 1,500/-
Supplementary Card Joining Fee - Rs 1,500/-
Cash Advance Limit 75.00% x Limit 75.00% x Limit
Interest Free Period Minimum 21 Days - Maximum 51 Days Minimum 21 Days - Maximum 51 Days
Minimum Payment ( Active Accounts) w.e.f 05.05.2022 4.00% x Total outstanding 4.00% x Total outstanding
Cash Advance Fee - Through ATM Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Cash Advance Fee - Over The Counter Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Manual Cash Advance handling Fee Rs 300/- Rs 300/-
Over Limit Fee Rs 500/- or 2.00% whichever is higher Rs 500/- or 2.00% whichever is higher
Late Payment Fee Rs 1,000/- or 2.00% whichever is higher Rs 1,000/- or 2.00% whichever is higher
PIN Creation-(Replacement) Free Free
Transfer from Bank Account To Card Account Free Free
Interest Monthly (36% APR) w.e.f 05.07.2022 3.0% 3.0%
Card Replacement Rs 400/- Rs 500/-
Limit Enhancement Fee Free Free
Limit Enhancement Fee Within One Day Free Free
Cheque Return Rs 500/- Rs 500/-
Statement Copies (Except Last Statement) Rs 100/- Rs 100/-
Limit / Interest Confirmation Letter Rs 350/- Rs 350/-
Retrieval Of Local Sales Vouchers  Rs 250/- Rs 250/-
Retrieval Of Foreign Sales Vouchers Rs 500/- Rs 500/-
Fuel Surcharge (Paid to Acquiring Bank) 1.00% 1.00%
Visa & Mastercard Premium Cards
  VISA SIGNATURE WORLD MASTERCARD VISA INFINITE
Minimum Credit Limit Rs 750,000/- Rs 750,000/- Rs 2,500,000/-
Interest Monthly (36% APR) w.e.f 05.07.2022 3.0% 3.0% 3.0%
Primary Card Annual Fee Rs 6,500/- Rs 6,500/- Rs 7,500/-
Primary Card Joining Fee Free Free Free
Supplementary Card Annual Fee Rs 2,500/- Rs 2,500/- Rs 2,500/-
Supplementary Card Joining Fee Free Free Free
Cash Advance Limit 75.00% x Limit 75.00% x Limit 75.00% x Limit
Interest Free Period Minimum 21 Days - Maximum 51 Days Minimum 21 Days - Maximum 51 Days Minimum 21 Days - Maximum 51 Days
Minimum Payment (Active Accounts) w.e.f 05.05.2022 4.00% Total outstanding 4.00% Total outstanding 4.00% Total outstanding
Late Payment Fee Rs 900/- or 2.00% whichever is higher Rs 900/- or 2.00% whichever is higher Rs 900/- or 2.00% whichever is higher
Over Limit Fee Free Free Free
Cash Advance Fee - Through ATM Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Cash Advance Fee - Over the Counter Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Card Replacement Free Free Free
Limit Enhancement Fee Free Free Free
Limit Enhancement Fee - One Day Free Free Free
Manual Cash Advance Handling Fee Free Free Free
PIN Creation (Replacement) Free Free Free
Transfer from Bank Account To Card Account Free Free Free
Cheque Returns - NSF Free Free Free
Statement Copies (Except Last Statement) Free Free Free
Limit / Interest Confirmation Letter Free Free Free
Retrieval Of Local Sales Vouchers  Rs 250/- Rs 250/- Rs 250/-
Retrieval Of Foreign Sales Vouchers Rs 500/- Rs 500/- Rs 500/-
Fuel Surcharge (Paid to Acquiring Bank) 1.00% 1.00% 1.00%
UnionPay Premium Cards
  UnionPay Asia Prestige Platinum UnionPay Asia Prestige Diamond
Interest Monthly (36% APR) w.e.f 05.07.2022 3.0% 3.0%
Primary Card Annual Fee Rs 6,500/- Rs 10,000/- 
Primary Card Joining Fee Free Free
Supplementary Card Annual Fee Rs 2,500/- Rs 2,500/-
Supplementary Card Joining Fee Free Free
Cash Advance Limit 75.00% x Limit 75.00% x Limit
Interest Free Period Minimum 21 Days - Maximum 51 Days Minimum 21 Days - Maximum 51 Days
Minimum Payment (Active Accounts) w.e.f 05.05.2022 4.00% Total outstanding 4.00% Total outstanding
Late Payment Fee Rs 900/- or 2.00% whichever is higher Rs 900/- or 2.00% whichever is higher
Over Limit Fee Free Free
Cash Advance Fee - Through ATM Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Cash Advance Fee - Over the Counter Rs.300/- or 4.50% whichever is higher Rs.300/- or 4.50% whichever is higher
Card Replacement Free Free
Limit Enhancement Fee Free Free
Limit Enhancement Fee - One Day Free Free
Manual Cash Advance Handling Fee Free Free
PIN Creation (Replacement) Free Free
Transfer from Bank Account To Card Account Free Free
Cheque Returns - NSF Free Free
Statement Copies (Except Last Statement) Free Free
Limit / Interest Confirmation Letter Free Free
Retrieval Of Local Sales Vouchers  Rs 250/- Rs 250/-
Retrieval Of Foreign Sales Vouchers Rs 500/- Rs 500/-
Fuel Surcharge (Paid to Acquiring Bank) 1.00% 1.00%
Debit Cards
  FEE
(a) New card  
- Personalized Rs 600/-
- Instant Rs 600/-
(b) Renewal  
- Personalized Rs 600/-
- Instant Rs 600/-
(c) Annual service fee Rs 300/-
Note : 
- An annual service fee will be charged from the savings or current account linked to the Debit Card.
- The Bank will recover the annual service fee on or after the following working day of the anniversary date.
- Anniversary date is the last day of the month mentioned as the expiry date of the card.
- Annual service fee will be charged from second year after obtaining the Debit Card. A service fee will not be charged in the card renewal year.
(d) Replacement card Rs 500/-
(e) Utility bill registration Rs 100/-
(f) New PIN / Limit enhancement / Linking of accounts / Reactivations Rs 100/-
(g) Dotcom (New & renewal) Rs 200/-
(h) Daily default purchase limit Rs 400,000/-
(i) Daily default withdrawal limit Rs 300,000/-
(j) Overseas withdrawal amount limit Equivalent to Rs 150,000/- (Maximum per transaction)
(k) Fuel surcharge (Paid to acquiring Bank) 1.00%
(l) POS Cash withdrawal transactions Rs 200/- per transaction
ATM Tariffs

Debit/ATM transactions performed on Commercial Bank ATMs

ATM Service Fee (Per Transaction) Fee
Withdrawals Fee Rs 5/-
Withdrawals Fee With Printed Receipt Rs 10/-
Printed Mini Statement / Balance Inquiry Rs 5/-


Debit/ATM transactions performed on other bank ATMs.

  Withdrawal Balance Inquiry
Other Local Banks - Through Mastercard / Visa / UnionPay Rs 60/- Rs 30/-


Debit/ATM transactions performed on Lanka Pay network ATMs.

  Withdrawal Balance Inquiry
Commercial Bank Debit Cards Rs 30 Rs 7.50/-

Lanka Pay network participants: Bank of Ceylon, People’s Bank, Seylan Bank, Hatton National Bank, Union Bank, NDB Bank.

Foreign Currency and Cross Border Transaction Fees
Fee
ATM withdrawal fee (Debit, Credit & Prepaid) Rs 1,000/-
ATM balance inquiry fee  (Debit, Credit & Prepaid) Rs 75/-
Forex margin
(This fee is applied for any card transaction performed at foreign ATMs and POS machines and e-Commerce sites hosted outside Sri Lanka)		 3.50%
Cross border DCC fee
(This separate fee will be charged for Dynamic Currency Conversion (DCC) and Multi-currency transactions (Where the merchant or the ATM is located outside Sri Lanka and the transaction is billed in LKR).)		 3.50%
Other Card Services

Effective from 21th March 2023

  Interest Rate (Per Annum)
Flexi Payment Plan Balance Transfer Facility Cash on Card Facility
03 Months  N/A N/A  8%
06 Months 12% 14% 14%
12 Months 24% 24% 28%

Lending Rates

Lease Facilities

Effective from 08th March 2023

  Interest Rate (Per Annum)
3 Years 4 Years 5 Years 7 Years
Standard 22.00% 23.00% 24.00% 28.00%
Premium
(For loans obtained by  account holders of Achiever Salary Account, Achiever Current Account, Vibe Savings Account, Flash Digital Bank Account and Anagi Women's Savings Account)		 21.50% 22.50% 23.50% 27.50%
Platinum
(For loans obtained by employees who earn a monthly salary above Rs 200,000/- or by professionals)		 21.00% 22.00% 23.00% 27.00%
Machinery 23.00%  24.00%   25.00% 30.00%
Personal Loans

Effective from 10th January 2023

  Fixed Interest Rate (Per Annum)
3 Years 5 Years 7 Years
Standard 30.00% 32.00% N/A
Premium
(For loans obtained by  account holders of Achiever Salary Account, Achiever Current Account, Vibe Savings Account, Flash Digital Bank Account and Anagi Women's Savings Account)		 29.00% 31.00% N/A
Platinum
(For loans obtained by employees who earn a monthly salary above Rs 200,000/- or by professionals)		 28.00% 30.00% N/A
Home Loans

Effective from 08th March 2023

  Interest Rate (Per Annum)
5 Years 10 Years 15 Years
Standard 26.00% 26.00% 27.00%
Premium
(For loans obtained by  account holders of Achiever Salary Account, Achiever Current Account, Vibe Savings Account, Flash Digital Bank Account and Anagi Women's Savings Account.)		 25.00% 25.00% 26.00%
Platinum
(For loans obtained by employees who earn a monthly salary above Rs.200,000/- or by professionals)		 24.00% 24.00% 25.00%
Gold Loans Pawning

Effective from 10th January 2023

Description Interest Rate (Per Annum)
Gold Loans Pawning 22.00%
Gold Overdrafts 22.00%
Anagi Account Holders (Gold Loans / Overdrafts) 21.50%
Agri Pawning 21.50%
Diribala Loans
Tenure Fixed Interest Rate (Per Annum)
5 Years 27.50%
7 Years 28.50%
Green Development Loan Scheme   
8 Years 27.00% (Fixed) first 05 Years. Thereafter AWPLR+3%
Agriculture Sector
Description Interest Rate (Per Annum)
Bank Funded Credit Lines
  
Dirishakthi 30.00%
Stock Purchase Loans 25.00% +2.00% Commission
Agri Business Loans
- 5 Years
27.00%
- 7 Years 28.00%
Floating AWPLR+3.50%
Agri Loans for Professionals
- 5 Years
26.50%
- 7 Years 27.50%
Floating AWPLR+3.00%
Biz Loan   
- Upto 5 Years 27.00%
- 7 Years 28.00%
COVID - 19 Support Loan  
- Upto 5 Years 27.50%
- 7 Years 28.50%
Anagi Business Loan 
 Unsecured Special Loan Scheme
 - Upto 3 Years 28.00%
 Secured General Loan Scheme
 - Upto 5 Years 27.00%
 - Upto 7 Years 28.00%
   
Refinance Credit Lines  
Kapruka Ayojana 8.00%
   
Interest Subsidy Credit Line  
New Comprehensive Rural Credit Scheme (NCRCS) 8.00%
 
All Other Advances
Description Interest Rate (Per Annum)
Fixed Loans (Maximum Tenure 5 years) 30.00% 
Overdraft 32.00%
Temporary Overdrafts 34.00%
Casual Excess Rate 36.00%
Advances Against Foreign Currency Deposits 22.00% or AWPLR + 0.50%
Advances Against Treasury Bills AWPLR + 3.00%
Hire Purchase Financing  32.00%
   
Education Loans  
With Personal Guarantors (Maximum Repayment 5 Years)  
- Up to 3 Years 29.00%
- 4 - 5 Years 31.00%


With Property Mortgages (Maximum Repayment 5 Years)  
-Up to 3 Years 26.00%
-5 Years 27.00%



 
Pensioners' Loans   
Fixed Rates  
- 1 Years 27.00%
- 2 Years 28.00%
- 3 Years 29.00%
- 4 Years 30.00%
- 5 Years 31.00%
- 6 to 7 Years 33.00%
- 8 to 10 Years 34.00%
Hybrid Rates (Fixed & Floating thereafter) - Option 1  
Up to 3 Years N/A
Thereafter N/A
Hybrid Rates (Fixed & Floating thereafter) - Option 2
Up to 5 Years N/A
Thereafter N/A

 
Green Loans / Leases   
- 3 Years 20.00%
- 4 Years 22.00%
- 5 Years  22.00% 

Treasury Bills/Bonds Rate REPO rates

Treasury Bills/REPO

From 23rd March to 29th March 2023

Period Below LKR 100,000 LKR 100,000 upto LKR 1.0 Million LKR 1.0 Million & Above
1 Month 012.7513.00
3 Months14.5014.5015.00
6 Months15.00 15.00 15.50
12 Months 15.50 15.50 16.00
* T-Bill/Repo rates are net rates.

* Specific cut off time will apply in accepting investments for Treasury Bills / REPO and the cut off time may change from time to time. Please contact your branch for details.
Treasury Bonds
Period Maturity LKR 5 Million & Above
2 Years 01/08/2024N/A
3 Years 01/07/2025 N/A
5 Years 15/12/2027 N/A
7 Years  15/01/2028 N/A
10 Years  01/07/2032 N/A
* Treasury Bond Rates are net rates and are subjected to change based on the prevailing market rates without prior notice.

* Premature upliftment may result in a capital gain/loss based on the market yield prevailing on the day of upliftment

* Specific cut off time will apply in accepting investments for Treasury Bonds and the cut off time may change from time to time. Please contact your branch for details.

For further details, please contact the Treasury Fixed Income Securities Desk on 011 2 486351/52/48/25/55/47 or contact the nearest Branch.

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