About Us

FD Rates Sri Lanka is a free, independent online platform that helps Sri Lankan savers compare fixed deposit interest rates from all major licensed banks and financial institutions in one place. We built this site because finding and comparing FD rates used to require visiting each bank's website individually - a slow, frustrating process that most people simply skipped. The result was that millions of Sri Lankan depositors left real returns on the table, parked in low-interest savings accounts when meaningfully better FD rates were available.

We set out to change that with a single, reliable, regularly updated source - a tool we would want to use ourselves.

Who Runs This Site

FD Rates Sri Lanka is maintained by a small team of financial researchers and technology professionals based in Sri Lanka. Our team has spent several years tracking the local banking sector - following interest rate movements, Central Bank of Sri Lanka policy decisions, and personal finance developments relevant to Sri Lankan savers. All rate data, guides, and articles on this site are reviewed by team members with direct experience in Sri Lanka's banking and financial landscape.

We are not a large media organisation - we are a focused team that cares deeply about getting the numbers right. That focus shows in how we work: rates are checked directly from official bank sources, reader corrections are investigated promptly, and the site is updated as quickly as possible when banks make changes.

Our Mission

Every Sri Lankan deserves access to clear, current, and accurate FD rate information - regardless of which bank they use, where they live, or how much they know about investing. Our goal is to level the information playing field so that a first-time investor in Jaffna has exactly the same access to rate comparisons as an experienced depositor in Colombo 3.

We measure our success not by traffic or revenue, but by whether the people who use this site make better decisions with their savings than they would have otherwise.

What We Offer

• FD rate comparisons across 20+ licensed banks and financial institutions, covering tenures from 3 months to 5 years
• A free FD calculator that shows you actual net returns after withholding tax - not just the gross advertised rate
• A side-by-side comparison tool for up to three FD products simultaneously
• Bank-specific rate pages for BOC and NSB
• Educational guides on how fixed deposits work, safe investing, and tax implications
• A blog covering rate updates, investment strategies, and Sri Lankan personal finance topics
• Credit card offer comparisons across major Sri Lankan banks

How We Source and Verify Rate Data

Every rate on this site comes from an official, publicly available source - the bank's own website, rate notice, or branch communication. We never estimate, interpolate, or rely on unofficial sources for rate data. Our collection and verification process works as follows:

1. Rate data is collected directly from each bank's official online rate schedule or FD product page
2. Rates are cross-referenced against the Central Bank's published data where available
3. Following each CBSL Monetary Policy Board decision, we conduct an accelerated review of all bank rates to capture changes made in response to policy rate adjustments
4. Reader-reported discrepancies are investigated within 24 hours and corrected if confirmed from an official source

For a full description of our data sources, update frequency, and known limitations, see our Data Methodology page.

Our Editorial Standards

All guides, articles, and educational content published on this site are written by our in-house team, primarily by Priya Fernando. We do not accept sponsored content, paid placements, or bank-funded "advertorials" that present commercial interests as independent editorial advice.

When we recommend a particular bank or product in our editorial content, it is based on the rate data, publicly available institution information, and our assessment of what is genuinely useful for the reader - not on any commercial relationship with that institution. If this ever changes, we will disclose it clearly.

Independence & Conflicts of Interest

We are not affiliated with, owned by, or financially dependent on any bank, financial institution, or investment firm in Sri Lanka. The site is supported by display advertising (Google AdSense), which generates revenue based on site traffic - not on which bank you choose or whether you open a deposit. This means our financial interest is aligned with providing accurate, useful information that keeps readers returning, not with steering you toward any particular product.

Rate data is presented factually as reported by the institutions themselves. Rankings (such as "Best FD Rates") are determined purely by the interest rate at the time of comparison, with no weighting for commercial relationships.

A Note on Using This Site

FD Rates Sri Lanka is a research and comparison tool - a starting point, not a final authority. While we work hard to keep rates accurate and current, banks can and do change their rates at short notice. Always confirm the rate directly with the bank before depositing. The information on this site does not constitute financial advice; if you are uncertain about which FD product suits your situation, consult a qualified financial advisor.

Contact Us

Found a rate error? Have a suggestion? Want to ask us something? We read every message and respond to genuine rate corrections as a priority. Reach us at fdrateslk@gmail.com or via our contact page.