Interest Rates

Interest Rates for Deposit Products

Interest Rates for Deposit Products (All rates are quoted in per Annum basis)

7 days call deposits (Minimum deposit Rs. 50,000/-)

(w.e.f 09th September 2025)

5.25% per annum

FD Rate for 400 Days Product

(w.e.f 09th September 2025)

6.75% per annum

Fixed deposits (Minimum deposit Rs. 5,000/-)

(w.e.f 09th September 2025)

Period	At Maturity p.a.	AER (At Maturity)	Monthly p.a.	AER (Monthly)
01 Month	5.75%	5.90%	-	-
03 Months	6.25%	6.40%	6.00%	6.17%
06 Months	6.50%	6.61%	6.25%	6.43%
12 Months	6.75%	6.75%	6.50%	6.70%
24 Months	7.00%	7.77%	6.50%	6.70%
36 Months	7.25%	7.78%	6.50%	6.70%
48 Months	9.50%	8.39%	8.05%	8.35%
60 Months	10.25%	8.63%	8.25%	8.57%

* An additional 0.5% rates for Minors Fixed Deposits and Extended Fixed Deposits

Interest rates for Co-operative sector (Minimum deposit Rs. 5,000/-)

(w.e.f 09th September 2025)

Term	Co-operative sector (%)
Period	At Maturity p.a	AER (At Maturity)	Monthly p.a.	AER (Monthly)
01 Month	6.75%	6.96%	-	-
03 Months	7.25%	7.45%	-	-
06 Months	7.50%	7.64%	-	-
12 Months	7.75%	7.75%	7.25%	7.50%
24 Months	8.00%	7.25%	7.25%	7.50%
36 Months	8.25%	7.25%	7.25%	7.50%
48 Months	9.50%	8.39%	8.05%	8.35%
60 Months	10.25%	8.63%	8.25%	8.57%

Interest Rates For Samurdhi (Minimum Deposit Rs.5,000/-)

(w.e.f 09th September 2025)

Period	At Maturity	AER (At Maturity)	Monthly	AER (Monthly)
01 Month	5.75%	5.90	-	-
03 Months	6.25%	6.40%	-	-
06 Months	6.50%	6.61	-	-
12 Months	6.75%	6.75%	6.50%	6.70%

Parinatha Interest Rates (Minimum Deposit Rs.5,000/-)

Parinatha Fixed Deposit rate for 55 - 60 years of age

(w.e.f 09th September 2025)

Period	At Maturity p.a.	AER (At Maturity)	Monthly p.a.	AER (Monthly)
06 Months	6.50%	6.61%	6.25%	6.43%
12 Months	6.75%	6.75%	6.50%	6.70%
24 Months	7.00%	6.77%	6.50%	6.70%

** Parinatha Fixed Deposit rate for the above 60 years of age **

(w.e.f 09th September 2025)

Period	At Maturity p.a.	AER (At Maturity)	Monthly p.a.	AER (Monthly)
06 Months	7.25%	7.38%	7.00%	7.23%
12 Months	7.25%	7.25%	7.00%	7.23%
24 Months	7.25%	7.00%	7.00%	7.23%

Saving Products

(w.e.f 24th October 2024)

Product Name	Applicable Rate %
Isuru Udana (Deposits upto Rs. 500,000/- )	4.00 %
Isuru Udana(over Rs. 500,000/-)	4.25 %
Sisu Udana(over Rs. 500,000/-)	4.25 %
Sisu Udana(Deposits upto Rs. 500,000/-)	4.00 %
All Minor Savings	4.00 %
YES	3.25 %
Vanitha Vasana	3.00 %
Jana Jaya	2.50 %
Jana Jaya (Minor)	4.00 %
People’s Investment Account	2.75 %
Harvest	2.50 %
Samurdhi Savings	2.75 %
Normal Savings	2.50 %
Parinatha	3.50 %
Savings (Co-op)	2.75 %
Aswenna	2.50 %
Suwa Sevana	2.50 %

Savings

For special rates on large deposits, please contact the Treasury on Tel:
0112-206768, 0112-206769, 0112-206757, 0112-206756, 0112-206755, 0112-206754 and 0112-206759

(w.e.f 06th November 2024)

Currency	Rate % p.a.
United States Dollars (USD)	1.25 %
Great Britain Pounds (GBP)	1.00 %
Euro (EUR)	0.40 %
Australian Dollars (AUD)	1.00 %
Canadian Dollars (CAD)	0.50 %
Swiss Francs (CHF)	0.01 %
Singapore Dollars (SGD)	0.25 %
Hong Kong Dollar (HKD)	0.01 %
Japanese Yen (JPY)	0.01 %
Swedish Kroner (SEK)	0.10 %
New Zealand Dollar (NZD)	1.50 %
Danish Kroner (DKK)	0.01 %
Norwegian Kroner (NOK)	0.10 %
Chinese Yuan Renminbi(CNY)	1.25 %
Thai Bhat (THB)	0.01 %
Indian Rupee (INR)	1.00 %

Fixed Deposits

(w.e.f 06th November 2024)

Period	USD Interest %	GBP Interest %	EUR Interest %	AUD Interest %	CAD Interest %
01 Month	3.50	1.75	1.50	1.50	1.90
03 Month	4.00	2.75	2.50	3.00	1.95
06 Month	4.25	3.50	2.75	3.50	2.15
12 Month	4.50	4.25	3.50	4.00	2.25
12 Months (Interest paid Monthly) % p.a.	4.40	4.15	3.45	3.90	2.20
13 Months	4.50	4.25	3.50	4.00	2.25
15 Months	4.50	4.25	3.50	4.00	2.25

Personal Foreign Currency Fixed Deposit Accounts can be opened for 2 years, 3 years, 4 years, and 5 years for USD FDs which interest can be obtained monthly / annually, or on maturity

(w.e.f 06th November 2024)

Period	Interest
	At Maturity	Annually	Monthly
2 Years	4.75%	4.65%	4.55%
3 Years	5.00%	4.75%	4.65%
4 Years	5.25%	4.85%	4.75%
5 Years	5.50%	4.95%	4.85%

USD 7 days Call/Notice Deposit

Applicable new rate is 2.50% p.a. (w.e.f 06th November 2024)

“Ethera Isura Premier”
PFCA Savings Account

Currency	Rate % p.a.
	Up to 4,999	5,000 to 24,999	25,000 to 49,999	50,000 to 99,999	Above 100,000
USD	1.25%	3.75%	3.75%	3.85%	3.95%
EUR	0.400%	1.75%	1.75%	1.95%	2.05%
GBP	1.00%	3.00%	3.00%	3.10%	3.20%
AUD	1.00%	3.30%	3.30%	3.60%	3.80%

Business Foreign Currency Savings Account- Slab-wise interest (BFCA)

Currency	Rate % p.a.
	Up to 49,999	50,000 to 99,999	100,000 to 149,999	150,000 to 249,999	250,000 to 499,999	500,000 to 749,999	750,000 to 999,999	Above 1,000,000
USD	1.25%	2.50%	3.00%	3.25%	3.50%	3.75%	4.00%	4.00%
EUR	0.4%	1.00%	1.50%	2.00%	2.25%	2.50%	2.75%	2.75%
GBP	1.00%	1.50%	2.00%	2.25%	2.50%	2.75%	3.00%	3.00%
AUD	1.00%	1.50%	2.00%	2.25%	2.50%	2.75%	3.00%	3.00%

External Commercial Borrowing Account (ECBA) Fixed Deposit for longer tenure (3 to 8 years) held in USD with Interest payable - Bi-Annually

Tenure of ECBA FD held in US	Bi-Annual Interest Rate p.a.% at maturity
3 years (36 months)	5.00 %
4 years (48 months)	4.95 %
5 years (60 months)	4.90 %
6 years (72 months)	4.90 %
7 years (84 months)	4.90 %
8 years (96 months)	4.90 %

Minors’ Foreign Currency Savings Accounts (“Ethera Udana”)

a) Additional Interest Rate will be provided for PFCA Minors’ Savings Accounts held in USD, with a minimum monthly balance of USD 2,501/- and above, in incremental slab basis, as given below.

Minimum Monthly Balance	Additional Interest Rate % p.a.	Interest Rate % p.a. (with additional interest rate added)
Up to USD 2,500	0.00	1.25
USD 2,501- 5,000	0.25	1.50
USD 5,001- 7,500	0.50	1.75
USD 7,501- 10,000	0.75	2.00
USD 10,001 and above	1.00	2.25

b) Additional Interest Rate is applicable for PFCA Minors’ Savings Accounts held in other main designated currencies with a minimum monthly balance (given in column 2 of below table) where applicable:

Currency	Minimum Monthly Balance	Additional Interest Rate % p.a.	Interest Rate % p.a. (with additional interest rate added)
GBP	2,275/-	0.10	1.10
EUR	2,600/-	0.05	0.45
AUD	4,025/-	0.15	1.15
CAD	3,475/-	0.05	0.55
SGD	3,600/-	0.02	0.27
NZD	4,525/-	0.15	1.65
CNY	18,100/-	0.10	1.35

PFCA Minors’ Foreign Currency Fixed Deposit Accounts(“Ethera Udana”)

For PFCA Minors’ Foreign Currency Fixed Deposits, the interest rates will be same as Personal Foreign Currency Fixed Deposit Interest Rates and Long-Term Foreign Currency Fixed Deposit Interest Rates (As mentioned above).

People’s FX-Future Plus Fixed Deposit Accounts can be opened for 2 to 5 years

(w.e.f 18th June, 2024)

	2 Years		3 Years		4 Years		5 Years
	Interest p.a. At Maturity	Interest p.a. Annually	Interest p.a. At Maturity	Interest p.a. Annually	Interest p.a. At Maturity	Interest p.a. Annually	Interest p.a. At Maturity	Interest p.a. Annually
USD	5.25%	5.10%	5.35%	5.10%	5.50%	5.10%	5.65%	5.10%
EUR	3.30%	3.20%	3.40%	3.25%	3.50%	3.30%	3.75%	3.45%
GBP	4.10%	4.00%	4.10%	3.90%	4.10%	3.75%	4.10%	3.70%
AUD	3.25%	3.15%	3.30%	3.15%	3.50%	3.30%	3.75%	3.45%

If any further clarification is required, please contact Manager - Foreign Currency Accounts Department (OCS) - Tel. No. 011-2332745 / 070-1750294 or Senior Manager (OCS) Tel. No. 011-2437489.

Interest Rates on Advances

Description	Min. rate	Max. rate
Business Loans	14.0%	17.0%
Residential Housing	12.5%	15.5%
Personal Loans	13.0%	15.0%
Gurusetha Loan	11.5%	13.0%
Vehicle Loans	12.5%	14.0%
Education Loans	12.0%	13.5%
Pawning	14.0%	-
Export Finance - Rupee Facilities	12.0%	Weekly AWPLR + 4.5%
Import Finance - Rupee Facilities	Weekly AWPLR + 2.5%	Weekly AWPLR + 4.5%
Lending to Small & Medium Scale Industries (SMEs)	6.5%	Weekly AWPLR + 2.5%
Credit Cards	-	26% p.a. / 2.1% monthly
Agriculture/Animal Husbandry Fisheries/related industries	14.0%	15.0%
Development Loans	06.5%	20.0%

Overdrafts	Min. rate	Max. rate
Permanent	15.50%	18.50%
Temporary	23.0%	32.0%

(w.e.f 1st November 2023 )

Rates & Tariffs

Interest Rates for Deposit Products

7 days call deposits (Minimum deposit Rs. 50,000/-)

FD Rate for 400 Days Product

Fixed deposits (Minimum deposit Rs. 5,000/-)

Period

At Maturity p.a.

AER (At Maturity)

Monthly p.a.

AER (Monthly)

01 Month

5.75%

5.90%

-

-

03 Months

6.25%

6.40%

6.00%

6.17%

06 Months

6.50%

6.61%

6.25%

6.43%

12 Months

6.75%

6.75%

6.50%

6.70%

24 Months

7.00%

7.77%

6.50%

6.70%

36 Months

7.25%

7.78%

6.50%

6.70%

48 Months

9.50%

8.39%

8.05%

8.35%

60 Months

10.25%

8.63%

8.25%

8.57%

Interest rates for Co-operative sector (Minimum deposit Rs. 5,000/-)

Term

Co-operative sector (%)

Period

At Maturity p.a

AER (At Maturity)

Monthly p.a.

AER (Monthly)

01 Month

6.75%

6.96%

-

-

03 Months

7.25%

7.45%

-

-

06 Months

7.50%

7.64%

-

-

12 Months

7.75%

7.75%

7.25%

7.50%

24 Months

8.00%

Rates &
Tariffs