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 

 සිං  |  தமி

Fixed Deposits (for Senior Citizens – Age above 60)

PIDUMA

Interest rates normal deposit products as of 1ST NOVEMBER 2025

Deposit Maturity Rates Monthly Rates
Period Rate % p.a Annual Effective Rate % Rate % p.a Annual Effective Rate %

03 Months

6.75

6.92

6.50

6.70

06 Months

7.00

7.12

6.75

6.96

12 Months

7.25

7.25

7.00

7.23

24 Months

8.00

7.70

7.25

7.50

36 Months

8.50

7.87

7.25

7.50

48 Months

9.00

7.99

7.25

7.50

60 Months

9.50

8.08

7.25

7.50

120 Months

10.00

7.18

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