Terms of Use | FD Rates Sri Lanka

Last updated: April 26, 2026

Please read these Terms of Use ("Terms") carefully before using the FD Rates Sri Lanka website ("the website", "we", "our"). By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this website.

1. Informational Purpose Only

All fixed deposit rate data, comparisons, articles, guides, and other content on this website are provided for informational purposes only. The content is intended to help you understand and compare the publicly available FD rate offerings of Sri Lankan banks. It is not intended as, and should not be construed as, a binding representation of the terms any bank will offer you.

Rates displayed on this website are sourced from official bank publications and are updated regularly, but they may not reflect the exact rate currently available to you. FD interest rates can change at any time at the sole discretion of individual banks, without prior notice to us or to you. Always confirm the rate and conditions directly with the bank before making any deposit.

2. No Financial Advice

Nothing on FD Rates Sri Lanka constitutes financial advice, investment advice, tax advice, or a recommendation to invest in any particular financial product, bank, or institution. The content on this website is general in nature and does not take into account your personal financial circumstances, objectives, risk tolerance, or investment goals.

Before making any investment decision - including opening a fixed deposit - you should consider whether the product is appropriate for your situation and, where necessary, seek independent professional financial advice from a suitably qualified and licensed financial advisor. In Sri Lanka, registered investment advisors are regulated by the Securities and Exchange Commission (SEC).

The guides and blog articles on this website are educational in nature. They represent general information about how financial products work and are not tailored to any individual's situation.

3. Accuracy and Currency of Rate Data

We make reasonable efforts to maintain accurate and current rate information on this website. However, we cannot guarantee, warrant, or represent:

That the rates displayed are the current rates being offered by the named bank at the time you view the page
That the rates will remain available for any period of time
That the rates are applicable to all deposit amounts, customer categories, or branch locations
That all banks' rates are covered or that our coverage is complete

For a detailed explanation of how we source and update rate data and its known limitations, see our Data Methodology page.

4. FD Calculator Terms

The FD calculator provided on this website is a general estimation tool designed to help you understand the approximate returns on a hypothetical fixed deposit. The calculator results are based on simplified assumptions:

Interest is calculated as simple interest unless otherwise stated
The 5% Withholding Tax (WHT) deduction shown is based on the standard rate for resident individual depositors, which may not apply to all users
Actual returns may differ based on the bank's specific compounding method, the exact tenure (including leap years), early withdrawal penalties, and other terms and conditions
The calculator does not account for your total income tax liability - consult a tax advisor for a complete picture

Do not rely on calculator results as a guarantee of what any particular bank will pay you. Confirm all figures with the bank directly.

5. Intellectual Property

The original written content, guides, articles, and editorial material on this website are the property of FD Rates Sri Lanka. You may share links to our content freely, but you may not reproduce, reprint, or republish our editorial content - in whole or in part - on any other website, publication, or platform without our prior written permission.

The rate data itself (interest rates, bank names, tenures) is factual information sourced from public bank publications and is not subject to copyright protection. You are free to reference specific rate figures provided you attribute them to FD Rates Sri Lanka and include a link to the relevant page.

6. Third-Party Links

This website contains links to external websites, including the official websites of Sri Lankan banks, the Central Bank of Sri Lanka, and other financial institutions. These links are provided for your convenience and do not constitute an endorsement of those sites or their content. We are not responsible for the content, accuracy, or practices of any external website.

7. Limitation of Liability

To the maximum extent permitted by applicable law, FD Rates Sri Lanka, its operators, authors, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

Your use of or reliance on the rate data, content, or tools on this website
Any investment decision made based on information from this website
Inaccuracies or omissions in the rate data, regardless of the cause
Technical errors, downtime, or unavailability of the website
Your use of any third-party website linked from this site

Your use of this website is entirely at your own risk. The website is provided "as is" without warranties of any kind, express or implied.

8. Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Democratic Socialist Republic of Sri Lanka. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Sri Lanka.

10. Contact

If you have any questions about these Terms of Use, please contact us at fdrateslk@gmail.com.