1. Flexible Investment Plans

   • Available in LKR and designated foreign currencies.

   • Suitable for both adults and minors.

2. High Return on Investment

   • Guaranteed competitive interest rates, ensuring steady financial growth.

3. Long-Term Savings

   • Customisable tenures ranging from 2 years to 18 years, depending on the plan.

4. Secure & Structured Growth

   • No partial or counter withdrawals permitted, ensuring disciplined savings.

   • Interest is calculated daily and credited monthly.

5. Joint Account Facility

   • Available for adult investment plans, allowing multiple holders to contribute to a single goal.

6. Digital Access & Statements

   • Receive quarterly eStatements to track your investment progress.

   • Check accumulated balance anytime via DFCC Online Banking.

• The DFCC Investment Planner is available for both adults and minors, with different tenures and minimum deposit requirements.

  Customer Type	Investment Plan Type	Minimum Maturity Values	Maximum Tenure
  DFCC – Minor	LKR Investment Planner	Rs. 100,000/-	18 years
  DFCC – Minor	Foreign Currency (FCY) Investment Planner	USD 10,000/- (Or equivalent value of any other currency)	5 years
  DFCC – Individual	LKR Investment Planner	Rs. 100,000/-	15 years
  DFCC – Individual	Foreign Currency (FCY) Investment Planner	USD 10,000/- (Or equivalent value of any other currency)	5 years
  DFCC – Business	LKR Investment Planner	Rs. 100,000/-	15 years
  DFCC – Business	Foreign Currency (FCY) Investment Planner	USD 10,000/- (Or equivalent value of any other currency)	5 years

  (Note: Maturity value depends on the chosen investment tenure and prevalent interest rates.)

  Click here to check the Investment Planner interest rates.

1. Choose your investment plan – Select between LKR or FCY options, based on your financial goals.

2. Commit to a fixed tenure – Select a savings duration that aligns with your future plans.

3. Earn competitive interest – Your investment plan accrues interest daily, credited monthly.

4. Mature your investment – Upon completion, receive your full savings plus interest, tax-adjusted.

Note: The DFCC Investment Planner does not allow bulk deposits or partial withdrawals.

• Eligibility Criteria

DFCC Investment Planner: Any individual over the age of 18 Years, Sole Proprietorships, Partnerships, Clubs Societies, Government Institutes, Limited Liability Companies or any other registered entities.

DFCC Junior Investment Planner: Any minor under 18 years (opened by a parent or legal guardian).

• Required Documents

Duly signed Account Opening Form

NIC/EIC/Passport/Driving license of the client / Parent or Guardian (For Individual Accounts)

Original Birth Certificate of the minor that will serve as identification proof and relationship proof where applicable (For Minor Accounts)

Business registration (BR) and any other relevant documents are required for Business Investment Planners. (For Business Accounts)

• How to Apply

Visit the nearest DFCC Bank branch.

Call our 24/7 Contact Centre at 011-2350000 for assistance.

Investment Plan Details

1. What is the minimum investment amount?

   • LKR Investment Planner: Rs. 100,000

   • Foreign Currency (FCY) Investment Planner: USD 10,000 (or equivalent)

2. What is the minimum and maximum investment period?

   • Minimum: 2 years

   • Maximum: 15 years (Adults/Business), 18 years (minors)

3. Can I open multiple Investment Planners under my name?
   Yes, you can open multiple investment planners.

4. Is there a maximum investment amount?
   No, there is no upper limit on investment value.

Interest & Returns

5. How is interest calculated?

   • Interest is calculated daily and credited monthly.

6. Will tax be deducted from my returns?

   • Yes, applicable tax will be deducted at maturity, based on prevailing laws.

7. Can I check my Investment Planner balance online?

   • Yes, you can view your balance via DFCC ONE or Online Banking.

Withdrawals & Early Closure

8. Can I make withdrawals before maturity?

   • No partial withdrawals or counter withdrawals are permitted.

9. What happens if I fail to make a scheduled deposit?

   • The planner will be automatically terminated after grace period from the payment due date

10. Can I close the Investment Planner before maturity?

Yes, but in that event the general savings account interest rate will apply instead of the much higher Investment Planner rate.

Joint & Minor Accounts

11. Are joint accounts allowed for DFCC Minor /Business investment planner?

No, joint accounts are not allowed for DFCC Minor /Business investment planner

12. Can adults open joint Investment Planners?

Yes, joint accounts are allowed for adult Investment Planners.

• DFCC Fixed Deposits

• DFCC Online Banking Savings Goals

• DFCC Junior Savings Accounts

• Investment Planner Calculator

• ATM and Branch Locator

• Rates & Tariffs

• Investment Planner Account Opening Form

• Terms & Conditions