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
(22nd August 2019)
| 1 Month (% P.A.) | 2 Months (% P.A.) | 3 Months (% P.A.) | 6 Months (% P.A.) | 1 Year (% P.A.) | |
|---|---|---|---|---|---|
| Nominal | 7.00% | 7.00% | 8.33% | 8.83% | 9.83% |
| AER | 7.23% | 7.21% | 8.59% | 9.02% | 9.83% |
| Monthly | - | - | 8.27% | 8.67% | 9.41% |
| AER | - | - | 8.59% | 9.02% | 9.83% |
FD Rates 1 year and Above
(22nd August 2019)
| 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 | 9.83% | 10.25% | 10.75% | 10.75% | 11.25% | 11.25% |
| AER | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
| Monthly | 9.41% | 9.36% | 9.35% | 8.98% | 8.96% | 7.56% |
| AER | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
| Quarterly | 9.49% | 9.43% | 9.43% | 9.04% | 9.03% | 7.61% |
| AER | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
| Bi Annually | 9.60% | 9.54% | 9.54% | 9.14% | 9.13% | 7.68% |
| AER | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
| Annually | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
| AER | 9.83% | 9.77% | 9.77% | 9.35% | 9.34% | 7.83% |
Foreign Currency Fixed Deposit Rates
| USD | GBP | EUR | JPY | AUD | SGD | CAD | CHF | |
|---|---|---|---|---|---|---|---|---|
| 1 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% |
| 3 Months | 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% |
| 6 Months | 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% |
| 1 Year | 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% |
| 5 Years - Maturity | 5.25% | - | - | - | - | - | - | - |
| AER | 4.77% | - | - | - | - | - | - | - |
| 5 Years - Annually | 4.75% | - | - | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - | - | - |
Senior Citizen Fixed Deposit Rates
Senior Citizen FD Rates
Nominal Fixed Deposit Rate
(22nd August 2019)
| Time period | Nominal | AER |
|---|---|---|
| 3 Months | 8.33% | 8.59% |
| 6 Months | 8.83% | 9.02% |
| 1 Years | 10.33% | 10.33% |
Monthly Fixed Deposit Rate
(22nd August 2019)
| Time period | Monthly | AER |
|---|---|---|
| 3 Months | 8.27% | 8.59% |
| 6 Months | 8.67% | 9.02% |
| 1 Years | 9.87% | 10.33% |
Certificate of Deposit Rates
Certificate of Deposit Rates
CD's Rates
(22nd August 2019)
| Time Period | Rate (Simple) | AER |
|---|---|---|
| 3 Months | 8.33% | 8.59% |
| 6 Months | 8.83% | 9.02% |
| 1 Years | 9.83% | 9.83% |
| 2 Years | 10.25% | 9.77% |
| 3 Years | 10.75% | 9.77% |
| 4 Years | 10.75% | 9.35% |
| 5 Years | 11.25% | 9.34% |
Savings Rate
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
(from 16th September 2019 to 22nd September 2019)
| 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
(from 16th September 2019 to 22nd September 2019)
| 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 | 7.00% (AER 7.23%) |
Xtreme Dollar Saver Account
(for the month of September 2019)
| Deposit Range (USD) | Interest Rate (% P.A.) |
|---|---|
| Up to 49,999.99 | 3.50% (AER 3.56%) |
| 50,000.00 - 99,999.99 | 3.75% (AER 3.82%) |
| 100,000.00 - 249,999.99 | 4.25% (AER 4.33%) |
| 250,000.00 and Above | 4.50% (AER 4.59%) |
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
(22nd August 2019)
| 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
(The rates given below are applicable for all the tiers) for the month of September 2019
| 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 24th July 2019
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Overdrafts - Permanent | 13.25% | 15.75% |
| Business Loans | 13.25% | 15.75% |
| Import Bill Finance - (LKR Facilities) | 12.75% | 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% |
| Overdrafts - Temporary | 28.00% | 28.00% |
| Advances Against Fixed Deposits | 2.00% | 3.00% |
| Pawning | 17.00% | 17.00% |
| Vehicle Leasing | 12.75% | 15.50% |
| Product | Interest Rate (P.A) Minimum | Interest Rate (P.A) Maximum |
|---|---|---|
| Housing Loan - Fixed Up to 5 Years (Salaried & Others) | 13.50% | 15.25% |
| Housing Loans - Variable (Salaried & Others) | AWPLR + 3.5% | AWPLR + 4.0% |
| Personal Loans - Fixed (Professionals / Salaried & Others) | 13.50% | 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
(22nd August 2019)
| USD | GBP | EUR | JPY | AUD | SGD | |
|---|---|---|---|---|---|---|
| Savings | 1.25% | 1.00% | 1.00% | 0.25% | 2.50% | 0.50% |
| AER | 1.26% | 1.00% | 1.00% | 0.25% | 2.53% | 0.50% |
Foreign Currency Fixed Deposit Rates
(22nd August 2019)
| USD | GBP | EUR | JPY | AUD | SGD | |
|---|---|---|---|---|---|---|
| 1 Month | 2.00% | 1.50% | 1.25% | 0.50% | 2.50% | 1.00% |
| AER | 2.02% | 1.51% | 1.26% | 0.50% | 2.53% | 1.00% |
| 3 Months | 3.00% | 2.00% | 1.50% | 1.00% | 3.00% | 2.00% |
| AER | 3.03% | 2.02% | 1.51% | 1.00% | 3.04% | 2.02% |
| 6 Months | 3.50% | 2.25% | 1.75% | 1.25% | 3.25% | 2.25% |
| AER | 3.53% | 2.26% | 1.76% | 1.25% | 3.30% | 2.26% |
| 1 Year | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% |
| AER | 4.00% | 2.50% | 2.00% | 1.50% | 3.50% | 2.50% |
| 5 Years - Maturity | 5.25% | - | - | - | - | - |
| AER | 4.77% | - | - | - | - | - |
| 5 Years - Annually | 4.75% | - | - | - | - | - |
| AER | 4.75% | - | - | - | - | - |
