Working Hours – Mon-Fri:08.00-17.00
FLEXIBLE TERMS. MAXIMUM SECURITY. ATTRACTIVE INTEREST
FLEXIBLE TERMS. MAXIMUM SECURITY. ATTRACTIVE INTEREST
FIXED DEPOSITS
Why should I Save? Why do I need to Invest?
These are questions well worth pondering. After all, without your savings and investments to make your life secure, would you rather depend on others for your wants and needs? At AMW Capital Leasing and Finance PLC, we make it our life’s business to ensure that your life is financially secure. Whether it is for your retirement or a long-cherished dream, saving and investing your money today will make your future secure and prosperous.
Whatever your future plans and aspirations may be, let us help you invest your money more prudently and earn higher returns on your Fixed Deposits—complemented by the best services, greater flexibility, and the highest level of security. Our Fixed Deposit plans begin with as short as one (1) month and extend up to 60 months, and they can be opened either individually or jointly.
Features
Minimum deposit amount of Rs. 5,000.00
Insured by the Deposit Insurance Scheme of the Central Bank of Sri Lanka.
Interest can be collected monthly or at maturity.
Obtain loans up to 90% of deposit value.
Features
Minimum deposit amount of Rs. 5,000.00
Insured by the Deposit Insurance Scheme of the Central Bank of Sri Lanka.
Interest can be collected monthly, quarterly, semi-annually, annually or at maturity.
Obtain loans up to 90% of deposit value.
“A simple fact that is hard to learn is that the time to save money is when you have some.”
FIXED DEPOSITS INTEREST RATES
Effective from 15th of July 2026. (0.50% Additional Interest for senior citizens for 01 year and above FDs)
FIXED DEPOSITS INTEREST RATES
Effective from 15th of July 2026.
(0.50% Additional Interest for senior citizens for 01 year and above FDs)
Fixed Deposits Interest Rates
Effective from 15th of July 2026.
*Rates are Subject to Change.
| Period (Month/s) |
Monthly | Maturity | ||
|---|---|---|---|---|
| Offer Rate | A.E.R. | Offer Rate | A.E.R. | |
| 1 | – | – | 8.00% | 8.30% |
| 3 | 8.50% | 8.84% | 9.00% | 9.31% |
| 6 | 9.25% | 9.65% | 9.75% | 9.99% |
| 12 | 11.75% | 12.40% | 12.50% | 12.50% |
| 13 | 11.75% | 12.40% | 12.50% | 12.44% |
| 15 | 11.75% | 12.40% | 12.50% | 12.32% |
| 18 | 11.75% | 12.40% | 12.50% | 12.14% |
| 24 | 11.85% | 12.52% | 13.00% | 12.25% |
| 36 | 12.00% | 12.68% | 13.25% | 11.80% |
| 48 | 12.25% | 12.96% | 13.50% | 11.40% |
| 60 | 12.25% | 12.96% | 13.50% | 10.87% |
Deposit Insurance Protection
Your deposits are protected under the Sri Lanka Deposit Insurance Scheme.
Premature Withdrawal of Deposits
Customers have the option of withdrawing their deposits prior to the date of maturity. Interest on prematurely withdrawn Fixed Deposits shall be calculated according to the actual period for which the deposit remained with the company, as follows:
| Period Maintained | Applicable Interest Rate |
|---|---|
| Up to 1 month | No interest shall be paid |
| 1–3 months | 2.50% per annum |
| 3–12 months | 4.00% per annum |
| 12 months and above | Applicable completed-tenure FD rate is less than 6%, subject to a minimum floor rate of 4.00% per annum |
For deposits maintained for 12 months and above, the applicable completed-tenure reference rate shall be determined as follows:
| Completed Period | Applicable Reference Rate |
|---|---|
| 12–24 months | Applicable 12-month monthly or maturity FD rate |
| 24–36 months | Applicable 24-month monthly or maturity FD rate |
| 36–48 months | Applicable 36-month monthly or maturity FD rate |
| 48 months and above | Applicable 48-month monthly or maturity FD rate |
For deposits maintained for 12 months and above, the following calculation method shall apply:
-
Compare the prevailing FD rate applicable to the completed tenure with the contracted FD rate applicable when the deposit was originally placed.
-
Use the lower of the above two rates for the calculation.
-
Deduct 6% from the selected rate.
-
If the resulting interest rate is below 4.00% per annum, apply the minimum floor rate of 4.00% per annum.
-
The applicable monthly or maturity reference rate shall be selected according to the interest payment basis of the original Fixed Deposit.
The original contracted FD interest rate shall not automatically apply when a Fixed Deposit is withdrawn before its maturity date.
