State Mortgage & Investment Bank

S M I B

The State Mortgage and Investment Bank (SMIB) is one of the most established
financial institutions in Sri Lanka.

Monday – Friday : 8:30am – 3:30pm

1922

info@smib.lk

Empowering Your Banking with Simplicity

We're thrilled to introduce our new Core Banking Solution, a leap forward in our commitment to customer convenience and service excellence. With cutting-edge technology, we're enhancing the banking experience to serve our clients better than ever before.

Maximize your savings with an unbeatable interest rate

Your First step to maximize savings with SMIB Max Saver

UPLIFT YOUR LIFE BY SAVING WISELY IN THE RIGHT PLACE!

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Reward your kids with amazing gifts while saving for their future

Empower your kid's tomorrow with a smile, Save and have valuable gifts

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For her who shapes the world

Shape your future with SMIB's Apoorva Savings Account. Enjoy attractive interest rate, loan facilities, interest free withdrawal facility and other exclusive benefits. For the special you who loves freedom.

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Your Pathway to Unlock your Dream Home
SMIB Home Loans

Own the home you've always imagined. Secure a competitive home loan with State Mortgage & Investment Bank (SMIB). Explore our flexible options, low rates, and expert guidance. Get a free quote today and turn your dream into reality!

Read More

Empowering Your Banking with Simplicity

We're thrilled to introduce our new Core Banking Solution, a leap forward in our commitment to customer convenience and service excellence. With cutting-edge technology, we're enhancing the banking experience to serve our clients better than ever before.

Maximize your savings with an unbeatable interest rate

Your First step to maximize savings with SMIB Max Saver

UPLIFT YOUR LIFE BY SAVING WISELY IN THE RIGHT PLACE!

Read More

Reward your kids with amazing gifts while saving for their future

Empower your kid's tomorrow with a smile, Save and have valuable gifts

Read More

For her who shapes the world

Shape your future with SMIB's Apoorva Savings Account. Enjoy attractive interest rate, loan facilities, interest free withdrawal facility and other exclusive benefits. For the special you who loves freedom.

Read More

Your Pathway to Unlock your Dream Home
SMIB Home Loans

Own the home you've always imagined. Secure a competitive home loan with State Mortgage & Investment Bank (SMIB). Explore our flexible options, low rates, and expert guidance. Get a free quote today and turn your dream into reality!

Read More

THE HOUSING BANK TO THE NATION

The State Mortgage and Investment Bank (SMIB) is one of the longest standing banks in Sri Lanka. It operates as a licensed specialized bank meeting the housing financing needs and other personal and business banking needs of the people of Sri Lanka.

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Rewards & Promotion

Rates & Tariffs

Exchange Rates

Important Notices

Top-level financial & consultation services

Chase your personal or business goals with peace of mind while we take care of the financials for you. Scroll down to learn more.

Savings

Access your financial potential with SMIB's savings category, meticulously crafted to cater to diverse client needs. Enjoy competitive interest rates...

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Investments

Our investment solutions are designed for individuals who seek the security of fixed deposits but are also eager to explore...

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SME

Empower your small business ambitions with our SME Business Development Loan. From startup support to expansion plans, we're here to...

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Loans & Advances

If you are a small business owner, startup entrepreneur, or an individual with financial goals, we have got you covered....

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ONLINE EMI CALCULATOR

Unlock your financial potential with SMIB’s Loan Calculator. Get accurate monthly payment estimates to confidently plan your future. Whether for a home mortgage, personal loan, or business financing, our tool delivers reliable projections tailored to your needs. Achieve your financial goals with SMIB.

Loan Calculator

Calculate your monthly housing loan payment in a few seconds

Loan Amount

Interest Rate

Period in Months

Monthly Installment

Rs.0.00

* Terms & Condition is Applied

Loan Calculator

Calculate your monthly housing loan payment in a few seconds

Loan Amount

Interest Rate

Period in Months

Monthly Installment

Rs.0.00

* Terms & Condition is Applied

Loan Calculator

Calculate your monthly housing loan payment in a few seconds

Loan Amount

Interest Rate

Period in Months

Monthly Installment

Rs.0.00

* Terms & Condition is Applied

Loan Calculator

Calculate your monthly housing loan payment in a few seconds

Loan Amount

Interest Rate

Period in Months

Monthly Installment

Rs.0.00

* Terms & Condition is Applied

Loan Calculator

Calculate your monthly housing loan payment in a few seconds

Loan Amount

Interest Rate

Period in Months

Monthly Installment

Rs.0.00

* Terms & Condition is Applied

What's new?

Discover more about the investment and finance sector by exploring the latest financial news and articles. Click to read more!

View All

Embracing Vesak’s Spirit—SMIB’s Buddhist Association Spreads Sweet Joy

“To honor the sacred occasion of Vesak Poya 2025, the Buddhist Association of SMIB organized a heartfelt Ice Cream Dansala, embracing the spirit of generosity and community. This special event...

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Launch of Mcash Project at SMIB

“State Mortgage & Investment Bank, in collaboration with SLT Mobitel, has jointly launched the Mcash project. This initiative allows customers visiting the bank’s branches to conveniently make various day-to-day payments,...

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SMIB and HNB Assurance: United for a stronger Bancassurance Future

“The official launch of the bancassurance partnership between SMIB and HNB Assurance PLC was successfully held on 29th April 2025 at the SMIB Auditorium, Colombo. The event marked a significant...

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50K

Loyal Clients

90 BN

Transaction

200+

Branches in SL

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Contact SMIB today to get in touch with one of our experienced and friendly agents who will support you with your financial requirements.

Fitch Rating BB(lka) - Outlook Stable | LRA Rating BBB - Outlook Stable.

State Mortgage & Investment Bank is a licensed specialized bank supervised by the Central Bank of Sri Lanka.

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Head Office

No. 269, Galle Road, Colombo 03, Sri Lanka.

Contact

General: 011-7722722-3

Fax/Phone: 011-2575031

Email

info@smib.lk

Comments & inquiries only

Banking Hours

Monday – Friday
8:30am - 3:30pm

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