Interest Rates
Find the latest Interest rates offered by DFCC Bank on our banking products including loans, term deposits and savings accounts are stated below and subject to change based on market conditions.
Fixed Deposits
Fixed Deposit Rates
FD Rates 1 year and Below
(17th January 2020)
| 1 Month (% P.A.) | 2 Months (% P.A.) | 3 Months (% P.A.) | 6 Months (% P.A.) | 1 Year (% P.A.) | |
|---|---|---|---|---|---|
| Nominal | 6.50% | 6.50% | 8.50% | 8.50% | 9.50% |
| AER | 6.70% | 6.68% | 8.77% | 8.68% | 9.50% |
| Monthly | - | - | 8.44% | 8.35% | 9.11% |
| AER | - | - | 8.77% | 8.68% | 9.50% |
FD Rates 1 year and Above
(17th January 2020)
| 1 Year (% P.A.) | 2 Years (% P.A.) | 3 Years (% P.A.) | 4 Years (% P.A.) | 5 Years (% P.A.) | 10 Years (% P.A.) | |
|---|---|---|---|---|---|---|
| Nominal | 9.50% | 9.75% | 10.25% | 10.25% | 10.75% | 10.75% |
| AER | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
| Monthly | 9.11% | 8.94% | 8.97% | 8.62% | 8.63% | 7.32% |
| AER | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
| Quarterly | 9.18% | 9.01% | 9.04% | 8.68% | 8.70% | 7.37% |
| AER | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
| Bi Annually | 9.28% | 9.11% | 9.14% | 8.78% | 8.79% | 7.43% |
| AER | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
| Annually | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
| AER | 9.50% | 9.32% | 9.35% | 8.97% | 8.98% | 7.57% |
Foreign Currency Fixed Deposit Rates
| USD | GBP | EUR | JPY | AUD | SGD | CAD | CHF | |
|---|---|---|---|---|---|---|---|---|
| 01 Month | 2.00% | 1.50% | 1.25% | 0.50% | 2.50% | 1.00% | 1.00% | 1.00% |
| AER | 2.02% | 1.51% | 1.26% | 0.50% | 2.53% | 1.00% | 1.00% | 1.00% |
| 03 Months - Maturity | 3.00% | 2.00% | 1.50% | 1.00% | 3.00% | 2.00% | 2.00% | 1.00% |
| AER | 3.03% | 2.02% | 1.51% | 1.00% | 3.04% | 2.02% | 2.02% | 1.00% |
| 03 Months - Monthly | 2.95% | - | - | - | - | - | - | - |
| AER | 2.99% | - | - | - | - | - | - | - |
| 06 Months - Maturity | 3.50% | 2.25% | 1.75% | 1.25% | 3.25% | 2.25% | 2.25% | 1.00% |
| AER | 3.53% | 2.26% | 1.76% | 1.25% | 3.30% | 2.26% | 2.26% | 1.00% |
| 06 Months - Monthly | 3.45% | - | - | - | - | - | - | - |
| AER | 3.50% | - | - | - | - | - | - | - |
| 01 Year - Maturity | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% | 2.50% | 1.00% |
| AER | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% | 2.50% | 1.00% |
| 01 Year - Monthly | 3.90% | - | - | - | - | - | - | - |
| AER | 3.97% | - | - | - | - | - | - | - |
| 5 Years - Maturity | 5.25% | - | - | - | - | - | - | - |
| AER | 4.77% | - | - | - | - | - | - | - |
| 05 Years - Annually | 4.75% | - | - | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - | - | - |
| 05 Years - Monthly | 4.65% | - | - | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - | - | - |
Senior Citizen Fixed Deposit Rates
Senior Citizen FD Rates
Nominal Fixed Deposit Rate
(17th January 2020)
| Time period | Nominal | AER |
|---|---|---|
| 3 Months | 8.50% | 8.77% |
| 6 Months | 8.50% | 8.68% |
| 1 Years | 10.00% | 10.00% |
Monthly Fixed Deposit Rate
(17th January 2020)
| Time period | Monthly | AER |
|---|---|---|
| 3 Months | 8.44% | 8.77% |
| 6 Months | 8.35% | 8.68% |
| 1 Years | 9.57% | 10.00% |
Certificate of Deposit Rates
Certificate of Deposit Rates
CD's Rates
(17th January 2020)
| Time Period | Rate (Simple) | AER |
|---|---|---|
| 3 Months | 8.50% | 8.77% |
| 6 Months | 8.50% | 8.68% |
| 1 Years | 9.50% | 9.50% |
| 2 Years | 9.75% | 9.32% |
| 3 Years | 10.25% | 9.35% |
| 4 Years | 10.25% | 8.97% |
| 5 Years | 10.75% | 8.98% |
Saving Rates
Savings Product Rates
Normal Savings
| Deposit Range | Interest Rate (% P.A.) |
|---|---|
| Up to 999.99 | 0% |
| 1,000.00 and Above | 2.00% (AER 2.02%) |
Mega Bonus Savings Account
| Deposit Range | Interest Rate (% P.A.) |
|---|---|
| Up to 999.99 | 0% |
| 1,000.00 - 49,999.99 | 2.25% (AER 2.27%) |
| 50,000.00 - 249,999.99 | 2.50% (AER 2.53%) |
| 250,000.00 - 499,999.99 | 2.75% (AER 2.78%) |
| 500,000.00 - 999,999.99 | 3.00% (AER 3.04%) |
| 1,000,000.00 - 1,999,999.99 | 4.00% (AER 4.07%) |
| 2,000,000.00 and Above | 4.50% (AER 4.59%) |
DFCC Float Savings Account
(Rates from 20th January 2020 to 26th January 2020)
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 99,999.99 | 0% |
| 100,000.00 - 4,999,999.99 | 4.50% (AER 4.59%) |
| 5,000,000.00 - 9,999,999.99 | 5.50% (AER 5.64%) |
| 10,000,000.00 and Above | 6.50% (AER 6.70%) |
Xtreme Saver Account
(Rates from 20th January 2020 to 26th January 2020)
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 999.99 | 0% |
| 1,000.00 - 9,999,999.99 | 5.00% (AER 5.12%) |
| 10,000,000.00 - 19,999,999.99 | 6.00% (AER 6.17%) |
| 20,000,000.00 - 49,999,999.99 | 7.00% (AER 7.23%) |
| 50,000,000.00 and Above | 7.50% (AER 7.76%) |
Xtreme Dollar Saver Account
(Rates for the month of January 2020)
| Deposit Range (USD) | Interest Rate (% P.A.) |
|---|---|
| Up to 49,999.99 | 3.25% (AER 3.30%) |
| 50,000.00 - 99,999.99 | 3.50% (AER 3.56%) |
| 100,000.00 - 249,999.99 | 4.00% (AER 4.07%) |
| 250,000.00 and Above | 4.25% (AER 4.33%) |
DFCC Junior Savings Account
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 999.99 | 0% |
| 1,000.00 - 4,999.99 | 3.00% (AER 3.04%) |
| 5,000.00 - 99,999.99 | 3.50% (AER 3.56%) |
| 100,000.00 - 499,999.99 | 4.50% (AER 4.59%) |
| 500,000.00 and Above | 6.00% (AER 6.17%) |
DFCC Junior Plus Account
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 999.99 | 0% |
| 1,000.00 and Above | 7.00% (AER 7.23%) |
Call Deposits
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 99,999.99 | 0% |
| 100,000.00 and Above | 6.50% |
Supreme Vaasi Account
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 4,999.99 | 0% |
| 5,000.00 and Above | 5.00% (AER 5.12%) |
DFCC Garusaru
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 9,999.99 | 6.00% (AER 6.17%) |
| 10,000.00 and Above | 6.50% (AER 6.70%) |
DFCC Winner
(17th January 2020)
| Deposit Range (LKR) | Interest Rate (% P.A.) |
|---|---|
| Up to 2,499.99 | 0% |
| 2,500.00 and Above | 7.00% (AER 7.23%) |
Xtreme Saver Other Currencies
Rates for the month of January 2020(The rates given below are applicable for all the tiers)
| Foreign Currency | Rates | AER |
|---|---|---|
| GBP | 2.00% | 2.02% |
| EUR | 1.00% | 1.00% |
| JPY | 0.50% | 0.50% |
| AUD | 3.25% | 3.30% |
| SGD | 2.75% | 2.78% |
| CAD | 3.25% | 3.30% |
| CHF | 0.50% | 0.50% |
Foreign Currency Saving Rates
| USD | GBP | EUR | JPY | AUD | SGD | CAD | CHF | |
|---|---|---|---|---|---|---|---|---|
| Savings | 1.25% | 1.00% | 1.00% | 0.25% | 2.50% | 0.50% | 0.50% | 0.50% |
| AER | 1.26% | 1.00% | 1.00% | 0.25% | 2.53% | 0.50% | 0.50% | 0.50% |
REPO Rates
REPO Rates
G-Sec REPO Rate
(W.E.F. 26th Aug 2019)
| Period | Below Rs. 1 Mn (P.A.) | Above Rs. 1 Mn (P.A.) |
|---|---|---|
| Overnight | 7.05% | 7.15% |
| 1 Week | 7.25% | 7.35% |
| 1 Month | 7.30% | 7.40% |
| 3 Months | 7.50% | 7.60% |
| 6 Months | 7.65% | 7.75% |
| 12 Months | 7.90% | 8.00% |
Debenture REPO Rate
(W.E.F. 26th Aug 2019)
| Period | Below Rs. 1 Mn (P.A.) | Above Rs. 1 Mn (P.A.) |
|---|---|---|
| Overnight | 7.55% | 7.75% |
| 1 Week | 7.75% | 7.95% |
| 1 Month | 7.80% | 8.00% |
| 3 Months | 8.00% | 8.20% |
| 6 Months | 8.15% | 8.35% |
| 12 Months | 8.40% | 8.60% |
Lending Rates
Lending Rates
W.E.F 31st October 2019
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Overdrafts - Permanent | 12.50% | 15.75% |
| Business Loans | 12.50% | 15.75% |
| Import Bill Finance - (LKR Facilities) | 12.50% | 14.75% |
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Export Bill Finance - (USD Facilities) | 6.00% | 7.25% |
| Packing Credit (USD) | 6.00% | 7.25% |
| Foreign Currency Loans (USD) | 6.00% | 7.25% |
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Credit Cards | 24.00% | 28.00% |
| Prearranged Temporary Overdrafts | 24.00% | 24.00% |
| Advances Against Fixed Deposits | 2.00% | 3.00% |
| Pawning | 16.00% | 16.00% |
| Vehicle Leasing | 12.50% | 14.50% |
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Housing Loan (Salaried) | 12.50% | 12.50% |
| Housing Loans (Salaried & Others) | AWPLR + 3.0% | AWPLR + 3.5% |
| Personal Loans - Fixed (Professionals / Salaried & Others) | 12.50% | 15.50% |
| Personal Loans - Variable (Professionals / Salaried & Others) | AWPLR + 3.0% | AWPLR + 5.5% |
Foreign Currency Rates
Foreign Currency Deposit Rates
Foreign Currency Saving Rates
(17th January 2020)
| USD | GBP | EUR | JPY | AUD | SGD | CAD | CHF | |
|---|---|---|---|---|---|---|---|---|
| Savings | 1.25% | 1.00% | 1.00% | 0.25% | 2.50% | 0.50% | 0.50% | 0.50% |
| AER | 1.26% | 1.00% | 1.00% | 0.25% | 2.53% | 0.50% | 0.50% | 0.50% |
Foreign Currency Fixed Deposit Rates
(17th January 2020)
| USD | GBP | EUR | JPY | AUD | SGD | CAD | CHF | |
|---|---|---|---|---|---|---|---|---|
| 01 Month | 2.00% | 1.50% | 1.25% | 0.50% | 2.50% | 1.00% | 1.00% | 1.00% |
| AER | 2.02% | 1.51% | 1.26% | 0.50% | 2.53% | 1.00% | 1.00% | 1.00% |
| 03 Months - Maturity | 3.00% | 2.00% | 1.50% | 1.00% | 3.00% | 2.00% | 2.00% | 1.00% |
| AER | 3.03% | 2.02% | 1.51% | 1.00% | 3.04% | 2.02% | 2.02% | 1.00% |
| 03 Months - Monthly | 2.95% | - | - | - | - | - | - | - |
| AER | 2.99% | - | - | - | - | - | - | - |
| 06 Months - Maturity | 3.50% | 2.25% | 1.75% | 1.25% | 3.25% | 2.25% | 2.25% | 1.00% |
| AER | 3.53% | 2.26% | 1.76% | 1.25% | 3.30% | 2.26% | 2.26% | 1.00% |
| 06 Months - Monthly | 3.45% | - | - | - | - | - | - | - |
| AER | 3.50% | - | - | - | - | - | - | - |
| 01 Year - Maturity | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% | 2.50% | 1.00% |
| AER | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% | 2.50% | 1.00% |
| 01 Year - Monthly | 3.90% | - | - | - | - | - | - | - |
| AER | 3.97% | - | - | - | - | - | - | - |
| 5 Years - Maturity | 5.25% | - | - | - | - | - | - | - |
| AER | 4.77% | - | - | - | - | - | - | - |
| 05 Years - Annually | 4.75% | - | - | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - | - | - |
| 05 Years - Monthly | 4.65% | - | - | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - | - | - |
