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Interest Rates

Regular Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly 2.00 2.02
Arunalu Children’s Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 3.50 3.56
Isuru Minors' Savings Plan

Interest Rate (p.a.)
Interest paid monthly 9.00
Dotcom Teen Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 2.50 2.53
Vibe Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid Monthly 2.25 2.27
Anagi Women's Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly 2.25 2.27
Power Bonus Account

Interest Rate (p.a.)

Annual Effective Rate
Interest paid monthly - (60% more) 2.00 3.24
Super Saver Account

Interest Rate (p.a.)

Annual Effective Rate
Rs.500,000/= and above 3.00 3.04
Rs.50,000/= to Rs.499,999/= 2.50 2.53
Below Rs.50,000/= 2.00 2.02
Yasasa Pensioners' Savings Account

Interest Rate (p.a.)

Annual Effective Rate
Less than 60 Years 2.00 2.02
Above 60 Years 2.50 2.53
Udara Senior Citizens Account

Interest Rate (p.a.)

Annual Effective Rate
Udara Savings - Int paid monthly 2.50 2.53
Udara Fixed Deposits - Int paid monthly 7.95 8.25
Udara Fixed Deposits - Int at maturity 8.25 8.25
Millionaire Investment Plan

Interest Rate (p.a.)
Interest paid monthly 9.00
Seven Days Call Deposits

Interest Rate (p.a.)
Below Rs. 500,000/- 2.00
Rs 500,000/- and above 3.00
Money Market Account

Interest Rate (p.a.)
This Week's Rate (Tuesday to Monday) 6.50
Fixed Deposits

Interest Rate (p.a.)

Annual Effective Rate

eFD
1 Month (LKR) 6.50 6.70 6.50
2 Month (LKR) 6.50 6.68 6.50
3 Month (LKR) 7.50 7.71 7.75
4 Month (LKR) 7.50 7.69 7.75
6 Month (LKR) 7.75 7.90 8.00
12 Months -Interest paid monthly (LKR) 7.70 7.98 7.95
12 Months -Interest at maturity (LKR) 8.00 8.00 8.25
24 Months -Interest paid monthly (LKR) 8.75 9.11 9.00
24 Months -Interest paid annually (LKR) 9.10 9.10 9.35
24 Months -Interest at maturity (LKR) 9.50 9.09 9.75
36 Months -Interest paid monthly (LKR) 8.80 9.16 9.05
36 Months -Interest paid annually (LKR) 9.15 9.15 9.40
36 Months -Interest at maturity (LKR) 10.00 9.14 10.25
48 Months -Interest paid monthly (LKR) 8.45 8.79 8.70
48 Months -Interest paid annually (LKR) 8.78 8.78 9.03
48 Months -Interest at maturity (LKR) 10.00 8.78 10.25
60 Months -Interest paid monthly (LKR) 8.80 9.16 9.05
60 Months -Interest paid annually (LKR) 9.15 9.15 9.40
60 Months -Interest at maturity (LKR) 11.00 9.16 11.25
Special 100, 200, 300, 400, 500 Days Fixed Deposit

Interest Rate (p.a.)

Annual Effective Rate
100 Days Fixed Deposit 8.00 8.24
200 Days Fixed Deposit 8.00 8.14
300 Days Fixed Deposit 8.50 8.56
400 Days Fixed Deposit 9.00 8.96
500 Days Fixed Deposit 9.50 9.34

Sri Lanka Exchange Rates

Exchange Rates

Rate: Rupees per unit of foreign currency as at 2026-04-02

Currency

Cheques

Telegraphic Transfers
Buying Rate Selling Rate Buying Rate Selling Rate Buying Rate Selling Rate
US DOLLARS 310.32 318.75 310.29 318.75 312.25 318.75
EURO 356.88 370.01 356.04 370.01 359.34 370.01
STERLING POUNDS 409.88 424.24 406.75 424.24 412.47 424.24
JAPANESE YEN 1.9495 2.0086 1.9325 2.0086 1.9554 2.0086
SINGAPORE DOLLARS 238.52 251.81 237.11 251.81 239.12 251.81
AUSTRALIAN DOLLARS 211.57 222.89 207.58 222.89 212.10 222.89
SWISS FRANCS 381.68 405.30 378.82 405.30 387.19 405.30
KUWAITI DINARS 880.64 1,030.25 - - - -
OMANI RIYALS 767.39 827.94 - - - -
SAUDI ARABIAN RIYALS 77.42 86.77 - - - -
UAE DIRHAMS 80.15 88.71 - - 83.20 88.71
QATAR RIYALS 69.67 89.39 - - - -
JORDANIAN DINARS 398.40 449.80 - - - -
BAHRAIN DINARS 692.53 838.82 - - - -
INDIAN RUPEES 2.91 3.47 - - 3.19 3.47
CANADIAN DOLLAR 222.02 230.25 221.45 230.25 223.94 230.25
NEW ZEALAND DOLLARS 174.83 184.06 174.71 184.06 177.19 184.06

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 01.04.2026

Currency Interest Rate % (p.a.)
1 Month 3 Months 6 Months 1 Year
US Dollars (USD) 3.00 3.50 3.75 4.25
EURO (EUR) 1.25 1.75 2.00 2.25
Great Britain Pounds (GBP) 1.75 3.00 3.25 3.50
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) 1.75 3.00 3.25 3.75
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

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 4.17 2.23 3.45 3.69

 

2 Years Fixed Deposits USD EUR GBP AUD
Interest paid - Monthly 4.17 2.23 3.45 3.69
Interest paid - Annually 4.25 2.25 3.50 3.75
Interest paid - At maturity 4.352.28 3.56 3.82

 

3 Years Fixed Deposits USD
Interest paid - Annually 4.25
Interest paid - At maturity 4.43

 

4 Years Fixed Deposits USD
Interest paid - Annually 4.25
Interest paid - At maturity 4.53

 

Special Foreign Currency Fixed Deposit Product (Dollar Plus) USD
15 Months - At maturity (Special rates will not be considered)  4.25
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 Accounts for the month of April 2026
Currency

*RFR
Benchmark
01 Month

Rate %

 "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 3.66774 3.150 3.150
 3.150
 3.250 3.400
EUR 1.93500 1.400 1.400 1.400 1.525 1.700
GBP 3.73960 2.500 2.500 2.500 2.600 2.750
AUD 3.93590 3.000 3.000
 3.000
 3.250 3.500
Forex Plus Fixed Deposit Rates

Effective from 01.04.2026

Currency Interest Rate % (p.a.)
2 Years 3 Years 4 Years 5 Years
USD 4.35 4.45 4.55 4.65
EUR 2.28 2.30 2.33 2.35
GBP 3.56 3.62 3.70 3.75
AUD 3.82 3.89 3.97 4.04
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 15th May 2025

  FEE
1.1 Monthly Service Charge:  
Business Account - Monthly Average Balance < Rs 25,000/- Rs 500/- Per Month
Personal Account - Monthly Average Balance < Rs 10,000/- Rs 300/- Per Month
Achiever's Account - Monthly Average Balance < Rs. 10,000/- Rs 200/- Per Month
1.2 Outward Cheque Returns   
Refer To Drawer Rs 5,000/-
Effects Not Realized Rs 1,500/-
Technical Reasons Rs 500/-
Payment Postponed Pending Drawer's Confirmation (PPPDC) Rs 1000/-
1.3 Inward Cheque Returns (Deposited Cheque Returns)  
Handling Charges Per Cheque Rs 150/-
Postage  Actual Cost
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 5,000/-
Others Rs 2,500/-
Loss Of A Cheque Book Rs 5,000/-
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 350/- up to 05 pages and thereafter Rs 100/- per page 
If Not Available In The System (Per Statement) Rs 1,500/-
Extra Copies (Per Statement) Rs 350/- up to 05 pages and thereafter Rs 100/- per page
1.9 Local Bills Purchased (Including Pay Orders Issued by Other Banks) 0.75% Of Transaction
Minimum Rs 1,000/-
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 500/- Per Month
Personal Accounts Rs 250/- 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 0.50% of the cash order plus transport cost minimum Rs 3,000/-
1.14 Balance Inquiry  Rs 100/- Per Slip
1.15 Excess in Current Accounts (Above The Limit Or Without Approved Limits)  
Personal Accounts Rs 5,000/-
Business Accounts Rs 7,500/-
Savings Accounts


Effective From 15th May 2025

  FEE
2.1 Closure of Savings Accounts  
Rupee Accounts Rs 500/-
Foreign Currency Accounts Rs 1000/-
2.2 Printed Copies of Statements  
Statement Accounts - Per Statement Rs 350/- up to 05 pages and thereafter Rs 100/- per page-

Passbook Accounts -Per Page

 Rs 350/- up to 05 pages and thereafter Rs 100/- per page
2.3 Issue of Duplicate Passbooks Rs 500/-
2.4 Savings Accounts Monthly Service Charges  
Monthly Average Balance < Rs 2,000/- Rs 50/- Per Month
2.5 Fee On No Book Withdrawals (Any Amount) Rs 50/-
2.6 Savings Withdrawals Presented With Passbook And Statement Savings Withdrawals  
Up to Rs 200,000/- (Except for Senior Citizens/Share holders of the Bank)  Rs 50/-
Above Rs 200,001/- No Charge


 
2.7 Maintenance Fee on Dormant Savings Account Rs 50/- Per Month
2.8 Fees on Multiple Cash Deposits and Withdrawals on the Same Day  
Deposits and withdrawals exceeding Rs.100,000/- conducted on 05 to 10 days within a one month period Rs 2,000/-
Deposits and withdrawals exceeding Rs.100,000/- conducted over 10 days within a one month period Rs 3,000/-
3 Fixed Deposits  
Duplicate Fixed Deposit Certificate Rs 3,000/-
General Operations

Effective From 15th May 2025

  FEE
4.1 Balance Confirmations To Embassies, Auditors And
Other Institutions (Per Confirmation) 		 
Embassies, Auditors - (Standard Format) Rs 750/-
Other Formats (With Approval) Rs 1,000/-
Self Addressed Confirmation Letters Rs 500/-
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 1,000/-
More Than 01 Year - Per Transaction Rs 1,500/-
4.3 Pay Orders - Issuance  
(a) Customer Rs 1,000/-
(b) Non Customer Rs 2,500/-
Cancellations  
(a) Customer Rs 1,000/-
(b) Non Customer Rs 1,500/-
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 500/-
(b) External - (Pay Orders) Rs 1,000/- + Actual Postages
(c) Amendments  Rs 200/-
(d) Non Sufficient Funds Rs 50/-
4.6 SLIPS Transfers (Per Transaction)  
On Customer Request   Rs 100/- 
Transfer Orders  Rs 250/- 
Fixed Deposit Interest No Charge 
Outward SLIPS Recalls (Per Transfer) Rs 250/- 

4.7 CEFTS Transfers (Per Transaction)

  
On Customer Request Rs 100/-
Online Banking / Mobile Banking Rs 25/-
Outward CEFT Recalls (Per Transfer) Rs 250/- 

4.8 RTGS Transfers (Per Transaction)

 Rs 400/-

4.9 Manual Fund Transfers

  

Between Own, Related Or Unrelated Rupee Accounts

 Rs 500/-

From Personal Foreign Currency Accounts

 Rs 500/-
From Non Personal Foreign Currency Accounts Rs 500/-
4.10 Online Banking  
Personal Customers - Joining Fee No Charge 
Personal Customers - Annual Fee (Applicable From Year 2) Rs 700/
Corporate Customers - Joining Fee No Charge
Corporate Customers - Annual Fee Per User (Applicable From Year 1) Rs 1,000/-
Flash Customers - Joining Fee No Charge
Flash Customers - Annual Fee No Charge
Online Fund Transfers via CEFT / SLIPS Rs 25/- 
Online to Sri Lanka Customs (SLC) Rs 25/-
Online to SL Ports Authority (SLPA) Rs 25/-
Online to Imports Exports Control Department (IECD) Rs 25/-
Online to SL Standards Institution (SLSI) Rs 25/-
Online to Inland Revenue Department (IRD) Rs 25/-
Online to Board of Investments (BOI) Rs 25/-
Online to Employee Provident Fund (EPF) Rs 25/-
Online to Electronic Toll Card Top Ups (ETC) Rs 25/-
GovPay Rs 15/-
Transaction Confirmation Through Hardcopies Rs 250/-
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 (Per Account)  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 )  
Bulk File with CBC to CBC Transaction only Rs 1,000/-
Bulk File with CBC & Or Other Banks Transactions Rs 2,000/-  + LCPL Charges
PayMaster Stop Payments / Recalls (Per Transactions) Rs 500/-
Outward SLIPS / CEFTS Recalls (Per Transactions) Rs 250/-
Direct Debit - Registration Fee  Rs 500/-
Direct Debit - Returned Fee Rs 500/-
Host to Host Subscription Rs 10,000/-
4.16 Salary Schedules  
Per Credit Item Rs 100/-
Minimum Rs 1,000/-
4.17 Utility Bill Payments  
Telecom Bills - (SLT) Rs 50/-
Electricity Bills - (CEB) Rs 50/-
Electricity Bills - (LECO) No Charge
Water Bills Rs 50/-
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 Business Foreign Currency Accounts (BFC) – USD 30/-
Personal Foreign Currency Accounts (PFC) – USD 25/-
(Education, Medical or any other purpose)
2) From Rupee Accounts Education- Rs. 7,500/-
Medical - Rs 5,000/-
Services – 1.5% (Min Rs.5,000/-)
  Foreign Bank Charges USD 3/- to 35/-
EUR 15/- to 35/-
GBP 10/- to15/-
AUD 15/-
SGD 20/- to 35/-
CAD 18/-
NZD 15/-
HKD 175/- to 225/-
AED 55/-
INR 826/-
CNY 40/-
NOK <=5,000/- to NOK 50/-
NOK >5,000/- to NOK 100/-
SEK 70/-
CHF 12/-
DKK 60/-

Other Currencies Contact Travel Department
(c) CTRA   Rs 10,000/-
(d) IIA/Terminal Benefits of Expatriate Employees   Rs 10,000/-
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 5,000/-
  Business Customers  Rs 5,000/-
  CRTA/IIA Rs 10,000/- 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) Stop Payment Rs 1,000/- Plus
  Foreign Bank Charges USD 25/-, GBP 50/-, SGD 30/-
 

Other Currencies

 Contact Travels Department
 

(c) Cancellation Of Drafts

  
  Customers Rs 1,000/-
  Non Customers Rs 1,500/-
  (d) 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 400/-
  (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 2,000/-
Confirmation Letters of Inward / Outward Remittances
 Rs 2,000/-
Inward Remittance Return Rs 3,000/-
Issuance of Advices - Printed Rs 300/-
6.4 Personal Foreign Currency Accounts - Quarterly Service Charge    
Monthly Average Balance < USD 25/-  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 15/-
  (b) Foreign Drafts ( All Currencies ) USD 15/-
  (c) Stop Payments On Drafts USD 15/-
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 500,000/-

Rs 7,500/-

Rs 500,001/- to Rs 1,000,000/-

Rs 12,500/-

Rs 1,000,001/- to Rs 5,000,000/-

Rs 22,500/-
Rs 5,000,001/- to Rs 10,000,000/-

Rs 35,000/-

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

Rs 45,000/-

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

Rs 55,000/-

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

Rs 80,000/-
Rs 100,000,001/- to Rs 500,000,000/- 0.05% Of The Facility

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

0.06% Of The Facility

Over Rs 1.0 Bn

0.06% Of The Facility*

Home Loans

As Above

Personal Loans Setting Up Charges

  

Up To Rs 500,000/-

Rs 7,000/-

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

Rs 10,000/-

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

Rs 12,500/-

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

Rs 17,500/-

Rs 5,000,001/- to - Rs 8,000,000/-

Rs 28,000/-

Over Rs 8,000,000/-

0.60% Of The Facility

Personal Loans Top-up Charges

 
For any amount 0.4% Of The Facility with The Minimum - Rs 4,000/-
Short Term Cultivation Loans Under NCRCS  
Loans Up To Rs 200,000/- Rs 2,500/-
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 4,000/-
Loans Above Rs 250,001 To Rs 500,000/- Rs 5,000/-
Loans Above Rs 500,001 To Rs 1,000,000/- Rs 7,000/-

7.1.2 Renewal Of Facility

  

Up to Rs 500,000/-

Rs 4,000/-

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

Rs 7,500/-

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

 Rs 12,500/-

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

Rs 17,500/-

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

Rs 25,000/-

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

Rs 30,000/-

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

Rs 35,000/-
Rs 100,000,001/- to Rs 500,000,000/- Rs 80,000/-
Rs 500,000,001/- to Rs 1,000,000,000/- Rs 120,000/-
Rs 1,000,000,001/- to Rs 2,000,000,000/- 0.030% Of The Facility Minimum - Rs 300,000/-
Rs 2,000,000,001/- to Rs 3,000,000,000/- 0.030% Of The Facility Minimum - Rs 300,000/-
Over Rs.3.0 Bn 0.030% Of The Facility Minimum - Rs 300,000/-

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

Renewal Of Facilities

  

Up to Rs 500,000/-

 *Rs 2,000/-

Above Rs 500,000/-

 *Rs 4,000/-

*Charged At The Facility Review, Once In Every 03 Years.

7.1.4 Leasing

  
New Facility (Per Facility)  
Up to Rs 500,000/- Rs 7,500/-
Rs 500,001 - Rs 1,000,000/- Rs 10,000/-
Rs 1,000,001 - Rs 2,500,000/- Rs 12,500/-
Rs 2,500,001 - Rs 5,000,000/- Rs 20,000/-
Rs 5,000,001 - Rs 10,000,000/- Rs 30,000/-
Above Rs 10,000,000/- Rs 45,000/-
For Registered Vehicles - Additional Rs 3,000/-

7.1.5 Hire Purchase

  

New Facility (Per Facility)

  
Up to Rs.500,000/- Rs 7,500/-
Rs 500,001/- to Rs 2,500,000/- Rs 12,500/-
Over Rs 2,500,000/- Rs 20,000/-
7.1.6 Temporary Facility  
Up to Rs 500,000/- Rs 4,000/-
Rs 500,001/- to Rs 1,000,000/- Rs 10,000/-
Rs 1,000,001/- to Rs 5,000,000/- Rs 12,000/-
Rs 5,000,001/- to Rs 10,000,000/- Rs 17,500/-
Rs 10,000,001/- to Rs 50,000,000/- Rs 25,000/-
Rs 50,000,001/- to Rs 100,000,000/- Rs 30,000/-
Rs 100,000,001/- to Rs 500,000,000/- 0.05% of Facility
Over Rs 500.00 Mn 0.06% of Facility*
7.1.7 Project Financing  
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 250/-

USD 100,001/- to USD 500,000/-

 USD 350/-

USD 500,001/- to USD 1,000,000/-

USD 500/-

USD 1,000,001/- to USD 1,500,000/-

USD 600/-

USD 1,500,001 to USD 3,500,000/-

0.05% Of The Facility, Rounded Off To The Next 10 Dollars

Over USD 3,500,000/-

0.06% Of The Fee, Rounded Off To The Next 10 Dollars

7.2.2. Renewal Of A Facility

Will Be Applicable For Permanent As Well As Temporary Facilities

  

Up to USD 500,000/-

USD 200/

USD 500,001/- to USD 1,000,000/-

USD 300/-

USD 1,000,001 to USD 2,000,000/-

USD 400/-

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

USD 500/-

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

USD 600/-
Over USD 10,000,000/- USD 1,200/-
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 200/-

Renewal of A Facility

USD 150/-
Import Transactions

Effective From 15th May 2025

  FEE
  DOMESTIC OBC/BFCA/PFCA
(A) Letter of Credit    
1. Issuing Commission (Including Tolerance)    
1.1 Foreign Letters of Credit    
1.1.1 Sight L/C    
Up to 90 Days 1.5% Per Quarter 0.25% Quarter
Minimum Rs 10,000/- USD 50/-
For Each Additional 30 Days Or Part There Of 0.15% Per Month 0.125% Per Month

Note :
PQ - Per Quarter (90 Days)
PM - Per Month (30 Days)
PW - Per Week (07 Days)
PA - Per Annum (365 Days)

    
1.1.2 Usance L/C    
Up to 90 Days 1.5% Per Quarter 
 0.375% Per Quarter
Minimum Rs 10,000/- USD 50/-
For Each Additional 30 Days Or Part There Of 0.15% Per Month 0.10% Per Month
Maximum For Each Additional 90 Days Period is calculated Inclusive of Usance Period N/A 0.25% Per Quarter 
1.2 Domestic Letters of Credit    
1.2.1 Sight L/C    
First 90 Days 0.25% Per Quarter  0.25% Per Quarter
Additional 30 Days or part there of  0.125% Per Month 0.125% Per Month
1.2.2 Usance L/C    
First 90 Days 0.375% Per Quarter 0.375% Per Quarter
Additional 30 Days or part there of 0.125% Per Quarter 0.125% Per Quarter
1.3 Standby Doc Credit 2.1% Per Annum 2.1% Per Annum 
Minimum Rs 5,000/- + VAT USD 50/- +VAT
SWIFT
Rs 5,000/- or USD 30/- 
1.4 Back To Back LC    
Additional Handling Charge Rs 5,000/- USD 50/-
1.5 Entrepot Trade Based L/C    
Additional Handling Charge Rs 5,000/- USD 50/-
1.6 SWIFT Charges - Full SWIFT Rs 6,000/- 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 4,000/- 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 4,000/- 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 4,000/- 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 4,000/- 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 4,000/- 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 1.5% of Value 0.375% of Value
Minimum Rs 10,000/- USD 50/-
SWIFT Charges Rs 5,000/- USD 40/-
Handling Fee Rs 100/- USD 5/-
1.2 Documents Against Acceptance (D/A)    
Commission 1.5% of Value 0.5% of Value
Minimum Rs. 10,000/- USD 50/-
SWIFT Charges Rs 5,000/- USD 40/-
Handling Fee 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
 
Additional Handling Charges Rs 2,000/-  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 50/-
1.1.1 Shipping Guarantees Outstanding Beyond One Month Of Issuance Rs 2,500/- USD 10/- Per Month
1.2 Advance Documents - Commission Rs 10,000/- USD 50/-
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) Open A/C and Advance Payments    
1.1 Advance Payments - Imports Related Advance Payments - Imports Related Advance Payments - Imports & Service Commission 
Commission 1.5% On Invoice Value USD 30/- (Up to 50,000/-)
USD 35/- (50,001/- to 100,000/-)
USD 40/- (Above 100,000/-)
Minimum Rs 5,000/-  
Maximum No maximum fee  
1.2 Open Account Terms    
Commission 1.5% On Invoice Value USD 30/- (Up to 50,000/-)
USD 35/- (50,001/- to 100,000/-)
USD 40/- (Above 100,000/-)
Minimum Rs 5,000/-  
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 40/-
Handling Charges USD 5/-
1.2 Usance    
Acceptance Commission 0.50% 0.20%
Minimum Rs 10,000/- USD 50/-
SWIFT Charges Rs 2,000/- USD 40/-
Handling Charges USD 5/-
(2) Local Bills    
2.1 Handling Fee Rs 5,000/-  
2.2 Remittance Of Proceeds Direct Credit CBC Account NIL
RTGS Commissions Rs 1,000/- Equivalent To 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 (Non Interest Bearing) 1.1% Per Annum + VAT 1.1% Per Annum + VAT
      Minimum Rs 5,000 + VAT USD 50/- + VAT
1.2 Against A Lien On Interest Bearing Deposit  1.6% Per Annum + VAT 1.6% Per Annum + VAT 
      Minimum Rs 5,000 + VAT USD 50/- + VAT
1.3 Against Other Securities 2.1% Per Annum + VAT  2.1% Per Annum + VAT 
      Minimum Rs 5,000/- + VAT USD 50/- + VAT
2 Amendments     
2.1 Extension Within Same Quarter Domestic Rs 3,000/- + VAT USD 50/- + VAT
2.2 Extension Exceeding Previously Charged Quarter    
Against 100% Cash Margin (Non Interest Bearing) 1.1% per Annum + VAT 1.1% per Annum + VAT
Minimum Rs 3,000 + VAT USD 50 + VAT
Against a Lien on Interest Bearing Deposit  1.6% Per Annum + VAT 1.6% Per Annum + VAT
Minimum Rs 3,000 + VAT USD 50 + VAT
Against Other Securities 2.1% Per Annum +VAT 2.1% PerAnnum + VAT
Minimum Rs 3,000/- +VAT USD 50/- + VAT
2.3 Other Amendments Rs 3,000/- + 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 500/- + 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    
Rates Of Commission 2.1% + VAT  
Minimum Commission - For Issuance USD 200/- + VAT  
SWIFT Charges USD 30/-  
Courier Charges If Requested To Deliver To Beneficiary USD 10/-  
Minimum Commission - For Amendments USD 75/- + VAT  
4 Advising Guarantees Issued By Foreign Banks Without Any Responsibility of Bank USD 75/- + VAT  
5 Guarantees Issuing Drafts Rs 1,000/- Per Draft  
6 SWIFT Charges (Outgoing) USD 30/- Or Equivalent Per Message USD 30/- Per Message 
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% of the Cash Advance amount, whichever is higherRs 300/- or 4.50% of the Cash Advance amount, whichever is higher
Cash Advance Fee - Over The Counter Rs 300/- or 4.50% of the Cash Advance amount, whichever is higher Rs 300/- or 4.50% of the Cash Advance amount, whichever is higher
Manual Cash Advance handling Fee Rs 300/- Rs 300/-
Over Limit Fee Over Limit Fee - Rs 500/- or 2.00% of the excess amount whichever is higher Over limit fee - Rs 500/- or 2.00% of the excess amount whichever is higher
Late Payment Fee Late Payment Fee - Rs 1,000/- or 2.00% minimum payment amount whichever is higherLate Payment Fee - Rs 1,000/- or 2.00% minimum payment amount whichever is higher
PIN Creation-(Replacement) Free Free
Transfer from Bank Account To Card Account Free Free
Interest Monthly (26% APR) w.e.f 01.09.2024  
 2.16% 2.16%
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% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher
Cash Advance Fee - Over The Counter Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher
Manual Cash Advance handling Fee Rs 300/- Rs 300/-
Over Limit Fee Over Limit Fee - Rs 500/- or 2% of the excess amount whichever is higher Over Limit Fee - Rs 500/- or 2% of the excess amount whichever is higher
Late Payment Fee Late Payment Fee - Rs 1,000/- or 2% minimum payment amount whichever is higher Late Payment Fee - Rs 1,000/- or 2% minimum payment amount whichever is higher
PIN Creation-(Replacement) Free Free
Transfer from Bank Account To Card Account Free Free
Interest Monthly (26% APR) w.e.f 01.09.2024 2.16% 2.16%
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 (26% APR) w.e.f 01.09.2024 2.16% 2.16% 2.16%
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 Late Payment Fee - Rs 900/- or 2.00% minimum payment amount whichever is higher Late Payment Fee - Rs 900/- or 2.00% minimum payment amount whichever is higher Late Payment Fee - Rs 900/- or 2.00% minimum payment amount whichever is higher
Over Limit Fee Free Free Free
Cash Advance Fee - Through ATM Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher
Cash Advance Fee - Over the Counter Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, 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 (26% APR) w.e.f 01.09.2024 2.16% 2.16%
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% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher
Cash Advance Fee - Over the Counter Rs.300/- or 4.50% of the Cash Advance amount, whichever is higher Rs.300/- or 4.50% of the Cash Advance amount, 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 750/-
- Instant Rs 750/-
(b) Renewal  
- Personalized Rs 750/-
- Instant Rs 750/-
(c) Annual service fee Rs 500/-
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 750/-
(e) Utility bill registration No charge
(f) New PIN / Limit enhancement / Linking of accounts / Reactivations Rs 100/-
(g) Dotcom (New & renewal) Rs 400/-
(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/-
Printed Mini Statement / Balance Inquiry Rs 10/-


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 LankaPay Network ATMs

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

LankaPay Member Banks and Financial Institutes »

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

*Eligible transactions must be performed on or after 1st of June 2025.Interest rates are subject to change at any time at the bank's sole discretion

  Interest Rate
Call and Convert Balance Transfer Facility Cash on Card Facility
03 Months  Not offered Not offered  6%
06 Months 5% 10% 10%
12 Months 8.5% 15% 16%
18 Months 10% 18% 18%
24 Months 12.5% 22% 22%

Lending Rates

Lease Facilities

Effective from 31st March 2026

  Interest Rate (Per Annum)
1 Years 2 Years 3 Years 4 Years 5 Years 6-7 Years
Standard 12.00% 12.50% 12.50% 13.50% 13.50% 14.50%
Premium 11.50% 12.00% 12.00% 13.00% 13.00% 14.00%
Platinum
(For loans obtained by employees who earn a monthly salary above Rs 200,000/- or by professionals)		 11.00% 11.50% 11.50% 12.50% 12.50% 13.50%
Machinery  15.00% 15.00% 15.00%  16.00%   16.00% N/A
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
Personal Loans

Effective from 31st March 2026

  Fixed Interest Rate (Per Annum)
1 Years 2 Years 3 Years 4-5 Years 7 Years
Standard 13.50% 14.00% 14.00% 15.50% 16.50%
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)		 13.00% 13.50% 13.50% 15.00% 16.00%
Platinum
(For loans obtained by employees who earn a monthly salary above Rs 200,000/- or by professionals)		 12.50% 13.00% 13.00% 14.50% 15.50%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
Home Loans

Effective from 31st March 2026

 Fixed Rates Interest Rate (Per Annum)
3 Years 5 Years 10 Years 15 Years 15-20 Years
Standard 12.00% 13.00% 14.00% 14.50% AWPLR+3%*
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.)		 11.50% 12.50% 13.50% 14.00% AWPLR+3%*
Platinum
(For loans obtained by employees who earn a monthly salary above Rs.200,000/- or by professionals)		 11.00% 12.00% 13.00% 13.50% AWPLR+3%*
Green Home Loans - 12.00% 13.00% 13.50% -
Floating Rate : AWPLR + 3.00% upto 15 Years (Conditions apply)
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
Gold Loans Pawning

Effective from 31st March 2026

Description Interest Rate (Per Annum)
Short Term Gold Loans -03 Months 13.00%
Short Term Gold Loans -06 Months 13.50%
Short Term Gold Loans -06 Months Special 14.50%
General Pawning 12.50%
Gold Overdrafts 12.50%
Anagi Account Holders (Gold Loans / Overdrafts) 12.00%
Agri Pawning 12.00%
Remittance Account Holders 12.00%
Gold Investment 11.50%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
Diribala Loans
Tenure Fixed Interest Rate (Per Annum)
5 Years 12.50%
7 Years 13.50%
Special Development Loan Scheme   
7 Years 12.00% upto 02 Years. Thereafter AWPLR+2%
Green Development Loan Scheme   
8 Years 12.50% upto 03 Years. Thereafter AWPLR+1.50%
8 Years 13.00% upto 05 Years. Thereafter AWPLR+1.50%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
Agriculture Sector
Description Interest Rate (Per Annum)
Bank Funded Credit Lines
  
Dirishakthi 16.50%
Stock Purchase Loans 12.50% +2.00% Commission
Agri Business Loans
- 5 Years
12.50%(For first 05 Years.Thereafter AWPLR+2%)
- 7 Years 13.50%(For first 05 Years.Thereafter AWPLR+2%)
Floating AWPLR+3.00%
Agri Loans for Professionals
- 5 Years
12.50%
- 7 Years 13.50%
Floating AWPLR+3.00%
Biz Loan   
- Upto  7 Years 12.00% (For first 02 Years.Thereafter AWPLR+2%)
COVID - 19 Support Loan  
- Upto 5 Years 20.00%
- 7 Years 21.00%
Anagi Business Loan 
 Unsecured Special Loan Scheme
 - Upto 3 Years 14.00%
 Secured General Loan Scheme
 - Upto 5 Years 12.00%
 - Upto 7 Years 13.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
   
Refinance Credit Lines  
Kapruka Ayojana 8.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
   
Interest Subsidy Credit Line  
New Comprehensive Rural Credit Scheme (NCRCS) 8.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
All Other Advances
Description Interest Rate (Per Annum)
Fixed Loans (Maximum Tenure 5 years) 13.00% 
Overdraft18.00%
Temporary Overdrafts 21.00%
Casual Excess Rate 29.00%
Advances Against Foreign Currency DepositsAWPLR + 0.50%
Advances Against Treasury Bills AWPLR + 1.00%
Hire Purchase Financing  20.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
   
Education Loans  
With Personal Guarantors (Maximum Repayment 5 Years)  
- Up to 3 Years12.00%
- 4 - 5 Years 12.50%
With Property Mortgages (Maximum Repayment 7 Years)  
-Up to 3 Years 11.50%
-5 Years 12.50%
-7 Years13.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”
   
Pensioners' Loans   
Fixed Rates  
- 1 to 2 Years 12.00%
- 3 to 4 Years 13.00%
- 5 to 7 Years 14.50%
- 8 to 10 Years 15.00%
- 11 to 15 Years 15.00%
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”

 
Green Loans / Leases   
- 1 Years 10.75%
- 2 Years 11.00%
- 3 Years  11.25% 
- 4 Years  12.25% 
- 5 Years  12.25% 
- 6 & 7 Years  13.25% 
“The rates displayed above are indicative and are subject to change from time to time. The Bank may revise or update the stated interest rates and/or product terms, in line with prevailing market conditions or applicable regulatory requirements.”

** In addition to the products listed, the Bank offers other loan products, including short-term and long-term loans, with interest rates that may be fixed, floating, or hybrid in nature. All such products, interest rates, fees, and applicable terms and conditions are subject to change from time to time, based on prevailing market conditions. Final terms shall be as determined by the Bank at the time of approval or disbursement.

Treasury Bills/Bonds Rate REPO rates

REPO Rates

From 02nd April to 08th April 2026

Period Below LKR 100,000 LKR 100,000 upto LKR 1.0 Million LKR 1.0 Million & Above
1 Month 006.5006.75
3 Months07.2507.2507.50
6 Months07.50 07.50
 07.75
12 Months 07.75 07.75 08.00
* 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.
Outright T bill Rates

From 02nd April to 08th April 2026

PeriodLKR 5.0 Million & Above
3 Months7.50
6 Months7.80
12 Months8.10



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