Fixed Deposits Sri Lanka | Dialog Finance

A rewarding way to safely retain your finances

Did you know that a fixed deposit is one of the most effective ways to save money with minimum risk? FDs are a powerful financial tool that sustains funds, all the while earning steady rewards and returns. Dialog Finance offers competitive above-average interest rates, alongside the very best in service to service your needs.

Attractive interest rates

Risk-free/ Secure investment

Personalised service

Customisable Plans

Unparallelled returns
Dialog Finance offers lucrative interest rates on fixed deposits; the more you save with us the more you earn!

Ability to obtain a loan against your fixed deposit
We offer you the facility to obtain a loan of up to 90% of the value of your deposits

A worry-free investment
Financial instruments with extraordinary benefits tend to come with greater risk, but fixed deposits with Dialog Finance bear no perils. Having received a ‘AA(lka)’ Fitch rating and being a fully-owned subsidiary of one of Sri Lanka’s leading corporates, Dialog Finance is a reliable repository for your hard-earned cash.

Class-leading customer service
Dialog Finance places significant emphasis on offering our customers best-in-class service and experience. We take pride in our personalised approach, and endeavour to offer every customer an unparalleled investment experience.

Ease of monitoring and tracking
Our versatile mobile app allows you to keep track of your interest income and maturity details.

How to apply?
You can start a fixed deposit account by depositing a minimum of Rs. 5,000 for a period of 1 month up to 5 years. All you have to do is visit the nearest Dialog Finance branch, and we would be happy to help you set up the account. For any further information please call us on our 24*7 Hotline 760 760 760 or fill in the details below and we will be in touch with you at our earliest.

*Eligible deposit liabilities are insured with the Sri Lanka Deposit Insurance Scheme implemented by the Monetary Board for compensation up to a maximum of Rs. 1,100,000 per depositor.

Loan Against Fixed Deposit

Get a loan against your Fixed Deposit quickly and simply. Check the details below:

Minimum FD value required: Rs. 10,000/-.
Borrow up to 90% of the Fixed Deposit value ( T&C apply).
- For loans with monthly interest payment frequency, up to 80% of the FD value is allowed.
Interest rate: Current FD interest rate + 2%.
Loan tenure: Minimum 3 months, maximum 60 months.
Eligibility criteria:
- The FD should be in renewal mode or have a remaining maturity period of more than 3 months.
- The FD must not be secured for any other loan types.
Multiple loans: You can obtain multiple loans against one FD.
Loan application process: Effortless and completed in minutes.
Prepayment option: You can prepay the loan before FD matures without any additional charges.
Interest benefit: Continue earning interest on the Fixed Deposit even after obtaining the loan.
Loan instalment deduction: The loan instalment amount will be automatically deducted from your savings account on the due date.
Automatic settlement for loans:
- The monthly loan installment will be automatically recovered from the genie digital savings account.
Documentation Fees:
- 0.5% of the loan amount (Minimum: Rs. 500/=,Maximum: Rs. 3,000/=)

Individual | Non-Senior Citizen Rates (below 60 years old)

Effective from 1st February 2025

PERIOD	MATURITY		MONTHLY
PERIOD	NOMINAL	A.E.R.	NOMINAL	A.E.R.
01 MONTH	6.00%	6.168%	-	-
03 MONTHS	8.00%	8.24%	7.75%	8.03%
06 MONTHS	8.50%	8.68%	8.25%	8.57%
12 MONTHS	9.25%	9.25%	8.75%	9.11%
18 MONTHS	9.50%	9.29%	8.75%	9.11%
24 MONTHS	9.75%	9.32%	8.75%	9.11%
36 MONTHS	10.25%	9.35%	8.75%	9.11%
48 MONTHS	10.00%	8.78%	8.25%	8.57%
60 MONTHS	10.00%	8.45%	8.00%	8.30%

Senior Citizen Rates (60 years or above old)

Effective from 21st October 2024

PERIOD	MATURITY*		MONTHLY*
PERIOD	NOMINAL	A.E.R.*	NOMINAL*	A.E.R.*
01 MONTH	6.00%	6.168%	-	-
03 MONTHS	8.00%	8.24%	7.75%	8.03%
06 MONTHS	8.50%	8.68%	8.25%	8.57%
12 MONTHS	9.25%	9.25%	8.75%	9.11%
18 MONTHS	9.50%	9.29%	8.75%	9.11%
24 MONTHS	9.75%	9.32%	8.75%	9.11%
36 MONTHS	10.25%	9.35%	8.75%	9.11%
48 MONTHS	10.00%	8.78%	8.25%	8.57%
60 MONTHS	10.00%	8.45%	8.00%	8.30%