Best Small-Medium Business Fixed Deposit Rates in Sri Lanka

Why settle for less when you can get higher returns for your hard-earned business profits?

A secure investment option that offers you a higher return, regardless of interest rate fluctuations, unlike other forms of savings or investments.

Flexibility to select a period from one month to five years
Ability to renew the deposit automatically
Cashback loans up to 90% of your Fixed Deposit for emergency cash requirements
A part from offering higher interest rates for Fixed Deposits, a Fixed Deposit at Pan Asia Bank is a highly secured investment since Pan Asia Bank is a licensed commercial bank that is regulated by the Central Bank of Sri Lanka

How can I apply for a Fixed Deposit?
Please visit your nearest Pan Asia branch to open a Fixed Deposit.
What details do I need to provide to open a Fixed Deposit?
For Personal Accounts
Account Mandate and Know Your Customer (KYC) Form
A copy of NIC / Driving License or Passport
Address verification documents, if different from the NIC / Driving License

For Non-Personal Accounts
Completed Mandate
Business Registration Form
Any other additional documentation requested by the branch depending on the type of entity
How can I receive interest from my Fixed Deposit?
Interest will be paid at maturity, bi-annual or monthly. If you select the monthly or bi-annual option, you are required to provide an account operating under your business name. For deposits less than 4 months, interest can only be earned at maturity.
When can I withdraw my investment?
Withdrawals will be allowed only at maturity upon producing the Fixed Deposit certificate at any Pan Asia Bank branch. Any withdrawals made prior to maturity will be considered a premature withdrawal and will be subject to a charge determined by the bank.

With effective from:- 2026-08-24

	1 Month	3 Months	4 Months	5 Months	6 Months		7 Months	10 Months	12 Months
	Maturity	Maturity	Maturity	Maturity	Monthly	Maturity	Maturity	Maturity	Monthly	Bi Annual	Maturity
Int.Rate (p.a.)	8.00%	9.00%	10.00%	9.75%	9.32%	9.50%	11.00%	10.50%	8.65%	8.81%	9.00%
AER	8.30%	9.31%	10.34%	10.03%	9.73%	9.73%	11.25%	10.59%	9.00%	9.00%	9.00%

	13 Months	24 Months				30 Months	36 Months
	Maturity	Monthly	Bi Annual	Annual	Maturity	Maturity	Monthly	Bi Annual	Annual	Maturity
Int.Rate (p.a.)	10.75%	9.98%	10.19%	10.45%	11.00%	12.50%	9.16%	9.34%	9.56%	10.50%
AER	10.70%	10.45%	10.45%	10.45%	10.45%	11.49%	9.56%	9.56%	9.56%	9.56%