NDB · Fixed Deposit
Rates as of 2026-06-17 · 3 hr ago · Benefit terms as of 2026-06-16
Minimum deposit
Rs 10,000
Early withdrawal
Not published — check ndbbank.com
Auto-renewal
Automatic renewal at maturity according to renewal instructions given at time of placement; provide 2 working days' notice before maturity date to change instructions
Senior bonus
Not published — check ndbbank.com
↳ Minimum varies by tenor: LKR 100,000 for 1 month, 36 months, 48 months, and 60 months; LKR 10,000 for 3 months, 6 months, 12 months, and 24 months.
Who can open
Requires National Identity Card (NIC) and billing proof for residential address verification (electricity bill, water bill, or landline bill).
Product features
- ·Automatic renewal based on instructions given at placement
- ·2 working days' notice required before maturity date for changes
- ·Withdrawals can be made at any NDB branch
- ·Deposit details viewable via NDB mobile banking and internet banking
| Payout | 1 month | 3 months | 6 months | 1 year | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|
At maturity Interest compounds to the end — highest effective return. | 8.30%coupon 8.00% 0.00% | 9.84%coupon 9.50% +5.69% | 9.99%coupon 9.75% +5.60% | 10.00% 0.00% | 10.45%coupon 11.00% +4.50% | 10.38%coupon 11.50% +4.11% | 10.30%coupon 12.00% +3.83% | 10.53%coupon 13.00% +3.24% |
Monthly payout Interest paid out monthly — steady income, slightly lower AER. | 8.30%coupon 8.00% 0.00% | 9.60%coupon 9.20% +5.38% | 9.82%coupon 9.40% +5.93% | 9.98%coupon 9.55% 0.00% | 10.31%coupon 9.85% +3.31% | 10.36%coupon 9.90% +3.81% | 10.31%coupon 9.85% +3.93% | 10.53%coupon 10.05% +3.24% |
Quarterly payout Interest paid every three months. | — | 9.84%coupon 9.50% +5.69% | — | 10.00%coupon 9.65% 0.00% | 10.44%coupon 9.65% +4.40% | 10.38%coupon 10.00% +4.32% | 10.27%coupon 9.90% +3.74% | 10.54%coupon 10.15% +3.13% |
Annual payout Interest paid once a year. | — | — | — | 10.00% 0.00% | 10.30% +3.00% | 10.40% +4.52% | 10.30% +4.04% | 10.55% +3.43% |
References
- Product detailsprimary ↗·ndbbank.com·updated 1 day ago
- Rates page ↗·ndbbank.com·updated 3 hr ago
AER (Annual Effective Rate) is compounding-normalised, so payout cadences compare fairly. Sparklines show movement over the past year; a flat or single-point line means the rate hasn't changed since tracking began.
FD interest is subject to withholding tax and deposits are covered by Sri Lanka's statutory deposit-insurance scheme — both are uniform across licensed banks and change with policy, so confirm current figures with the bank or the IRD. This is a comparison aid, not a quote; verify on the bank's own page before applying.