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Bank of Ceylon FD Rates 2026

Current fixed deposit interest rates from Bank of Ceylon (BOC) - Sri Lanka's largest state bank. Updated 2026-04-13.

Quick Answer: Bank of Ceylon (BOC) offers fixed deposit rates ranging from 6.25% to 7% per annum depending on tenure. The best BOC FD rate is 7% p.a. for a 2 Years deposit.

BOC Fixed Deposit Rates - All Tenures

TenureInterest Rate (p.a.)Interest on LKR 1MMaturity Value
3 Months6.25%+LKR 15,625LKR 1,015,625
6 Months6.5%+LKR 32,500LKR 1,032,500
1 Year6.75%+LKR 67,500LKR 1,067,500
2 Years7%Best+LKR 140,000LKR 1,140,000

Rates as of 2026-04-13. Verify with BOC before investing.

About Bank of Ceylon Fixed Deposits

Bank of Ceylon (BOC) is Sri Lanka's largest state-owned commercial bank, established in 1939. BOC operates under the Bank of Ceylon Act and is fully owned by the Government of Sri Lanka, making its fixed deposits among the safest investments available in the country. With an extensive branch network covering all provinces, BOC FDs are accessible to depositors across Sri Lanka.

Why Choose BOC for Your Fixed Deposit?

  • Government-owned: BOC is 100% owned by the Sri Lankan government, giving deposits an implicit sovereign backing.
  • Largest branch network: With branches in every district, BOC is accessible regardless of where you live.
  • SLDILSS coverage: BOC deposits are covered by the Sri Lanka Deposit Insurance and Liquidity Support Scheme.
  • Trusted reputation: Over 85 years of operation with a strong track record of stability.
  • Senior citizen rates: BOC offers additional interest for depositors aged 60 and above.

How to Open a BOC Fixed Deposit

  1. Visit any Bank of Ceylon branch island-wide.
  2. Bring your National Identity Card (NIC) or passport.
  3. Bring proof of address (utility bill or bank statement).
  4. Fill out the FD application form at the branch.
  5. Deposit the minimum required amount (check with your branch for current minimums).
  6. Receive your Fixed Deposit Receipt (FDR) as proof of deposit.

BOC FD vs. Other Banks

BOC FD rates are typically competitive with other state banks (NSB, People's Bank) but may be slightly lower than top private banks such as Commercial Bank or Sampath Bank. The trade-off is higher security - BOC's government ownership provides a level of security that private banks cannot match. For conservative investors prioritising safety over marginally higher returns, BOC is an excellent choice.

Compare With Other BanksCalculate BOC Returns

Rates are sourced from publicly available BOC information and updated regularly. Always verify current rates directly with Bank of Ceylon before making any investment decision.