Fixed Deposits

Secure your Financial Future

Our Fixed Deposits offer you the perfect balance between high-interest rates, stability, and trustworthiness. Interest rates will be provided based on the tenure of the Fixed Deposit, starting from 1 month to up to 60 months. Your interest will be credited to you at maturity or on a monthly as per your preference.

You also have the ability to obtain loan facilities up to 75% (if your interest is paid monthly), and 80% (if your interest is only paid at maturity), from your Fixed Deposit value. The minimum balance required to maintain a Fixed Deposit with us would be Rs.25,000.00, and no opening or maintenance fee is required. You are also eligible for a Deposit Insurance Coverage of up to Rs.1,100,000 based on the amount deposited.

We are a subsidiary of HNB Group and are licensed by the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011. The National Long-term Rating at ‘BBB+(lka)/ with a stable outlook’; as affirmed by Fitch Ratings further affirms our stability as a well-governed financial corporate.

Relax, sit back, and enjoy the high returns on your investments with HNB Finance Fixed Deposits.

Key Benefits

More Features

  • Remit the interest to your savings account, at no extra charge.
  • Doorstep service for all your financial needs.

Interest Rates

Interest Rate
TenureMonthly (p.a.)A.E.RMaturity (p.a.)A.E.R
1 Month7.00%7.23%
3 Months7.00%7.23%8.00%8.24%
4 Months6.50%6.70%7.50%7.69%
5 Months7.50%7.76%8.50%8.71%
6 Months8.00%8.30%9.00%9.20%
7 Months6.50%6.70%7.50%7.62%
9 Months6.50%6.70%7.50%7.57%
12 Months8.00%8.30%9.00%9.00%
18 Months9.00%9.38%10.00%9.77%
24 Months9.00%9.38%10.00%9.54%
36 Months10.00%10.47%11.00%9.97%
60 Months10.00%10.47%12.00%9.86%


Interest Rates – Senior Citizens

Interest Rate
TenureMonthly (p.a.)A.E.RMaturity (p.a.)A.E.R
12 Months8.50%8.84%9.50%9.50%
18 Months9.50%9.92%10.50%10.24%
24 Months9.50%9.92%10.50%10.00%
36 Months10.50%11.02%11.50%10.38%
60 Months10.50%11.02%12.50%10.20%



Anyone over the age of 18 years is eligible to apply for a Fixed Deposit. Sri Lankan citizens, residents, dual citizen holders, individuals residing in the country are eligible for this.

Terms and Conditions

In the event of a Prematurity, upliftment rate will be decided by the management. Monthly interest credited to the account is subject to prevailing with Holding Tax Regulation.

  • Minimum Deposit of LKR 25,000/-

Fixed Deposit

Application Form

Fixed Deposit

Key Fact Document

Fixed Deposit

Frequently Asked Questions (FAQ)