Fixed Deposits
SMB Finance PLC is licensed by the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011. SMB Fixed Deposits offer efficent and reliability which you can always trust on.
Why SMB Finance Fixed Deposit?
- Attractive and higher interest rate for your funds.
- Door step service at your convenience.
- Highest security for your investment.
- Option to select receiving of interest income monthly or at maturity.
- Superior customer service.
- Hassle free withdrawals and maturity.
- Ability to obtain loan facilities up to 80% (if your interest is paid monthly or maturity) from your fixed deposit value.
- Eligible deposit liabilities are insured with the Sri Lanka Deposit Insurance Scheme implemented by Central Bank of Sri Lanka for compensation up to a maximum limit of LKR 1.1 Mn per depositor.
Eligibility Requirements
Any resident of Srilanka over 18 years or any business registered in Srilanka - (Sole proprietorship/ Partnership/ Public Company/ Clus/ Societies/ Associations/ NGOs/ NPOs) is eligible to place a fixed deposit.
Documents Required
- Duly completed FD application form.
- Know Your Customer (KYC) form.
- National identity card/ valid passport/ business registration.
- Utility bill or any other valid document to verify the address.
Interest rate - General Fixed Deposits
| Period |
Monthly Interest (p.a.) % |
A.E.R % |
At Maturity Interest (p.a.) % |
A.E.R % |
Annually Interest % |
A.E.R % |
|---|---|---|---|---|---|---|
|
1 Month |
8.50 |
8.84 |
|
|||
|
3 Months |
|
|
9.00 |
9.31 |
||
|
6 Months |
|
|
9.50 |
9.73 |
||
|
12 Months |
10.25 |
10.75 |
11.00 |
11.00 |
||
|
24 Months |
10.75 |
11.30 |
11.50 |
10.91 |
11.25 |
11.25 |
|
25 Months |
11.25 |
11.85 |
12.00 |
11.31 |
||
|
36 Months |
11.75 |
12.40 |
12.50 |
11.20 |
12.25 |
12.25 |
|
37 Months |
12.25 |
12.96 |
13.00 |
11.55 |
||
|
48 Months |
12.50 |
13.24 |
13.25 |
11.22 |
13.00 |
13.00 |
|
60 Months |
12.50 |
13.24 |
13.50 |
10.87 |
13.25 |
13.25 |
Effective Date: 12th January 2026.
For inquiries regarding fixed deposits, please contact 07 05 88 44 22.
Terms and Conditions
- In the event of a pre-maturity withdrawal, upliftment rate will be decided as per the Section 3 of the Finance Business Act Direction No. 01 of 2019.
- Monthly and annual interest is subject to prevailing withholding tax regulations.
- Minimum deposit of LKR 5,000/=.
