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INTEREST RATES
Interest Rates Applicable for Savings Accounts (w.e.f. 17th of Nov 2025)
| Digital Savings | 4.00% (p.a.) |
| Digital Savings Pockets | 4.00% (p.a.) |
| Minor Savings | 4.00% (p.a.) |
| Corporate Savings Rs.25,000/- & above deposit value | 3.00% (p.a.) |
| Corporate Savings below Rs.25,000/- deposit value | 2.50% (p.a.) |
Interest Rates Applicable for Goal Based Fixed Deposits (W.e.f. 17th Nov 2025)
| Goal Based Fixed Deposits | 09.00% (p.a.) |
Fixed Deposit Rates Non-Senior citizen rates (below 60 years old) (w.e.f. 21st April 2026)
| PERIOD | MONTHLY | MATURITY | ||
|---|---|---|---|---|
| NOMINAL | A.E.R. | NOMINAL | A.E.R. | |
| 1 MONTH | - | - | 6.00% | 6.17% |
| 3 MONTHS | 8.85% | 9.22% | 9.22% | 9.54% |
| 6 MONTHS | 9.35% | 9.76% | 9.80% | 10.04% |
| 12 MONTHS | 10.64% | 11.17% | 11.18% | 11.18% |
| 18 MONTHS | 8.25% | 8.57% | 9.00% | 8.81% |
| 24 MONTHS | 8.75% | 9.11% | 9.75% | 9.32% |
| 36 MONTHS | 8.75% | 9.11% | 10.25% | 9.35% |
| 48 MONTHS | 8.25% | 8.57% | 10.00% | 8.78% |
| 60 MONTHS | 8.00% | 8.30% | 10.00% | 8.45% |
Fixed Deposit Rates Senior Citizens Rates (above 60 years old) (w.e.f. 21st April 2026)
| PERIOD | MONTHLY | MATURITY | ||
|---|---|---|---|---|
| NOMINAL | A.E.R. | NOMINAL | A.E.R. | |
| 1 MONTH | - | - | 6.00% | 6.17% |
| 3 MONTHS | 8.85% | 9.22% | 9.22% | 9.54% |
| 6 MONTHS | 9.35% | 9.76% | 9.80% | 10.04% |
| 12 MONTHS | 10.64% | 11.17% | 11.18% | 11.18% |
| 18 MONTHS | 8.25% | 8.57% | 9.00% | 8.81% |
| 24 MONTHS | 8.75% | 9.11% | 9.75% | 9.32% |
| 36 MONTHS | 8.75% | 9.11% | 10.25% | 9.35% |
| 48 MONTHS | 8.25% | 8.57% | 10.00% | 8.78% |
| 60 MONTHS | 8.00% | 8.30% | 10.00% | 8.45% |
FEES AND CHARGES
Fees and Charges | Savings Accounts
| Balance Confirmation fee | Rs.1,000.00 |
| Quarterly Service Fee (w.e.f. 1st October 2023) (Quarterly Service Fee will get waived off if a daily balance of Rs.15,000 is maintained in your genie digital savings account) |
Rs. 250.00 |
| Fund Transfers to other Banks (CEFT) • Up to 40 transactions per Month • Additional Transactions (Above 40, per month) • Fund transfer to Credit Card payment |
|
| Outward CEFT Recalls (Per Transfer) | Rs. 250.00 |
| Monthly eStatement | Free of charge |
| Monthly statement (Posted ) | Rs.100.00 |
| Weekly statement (Monthly Charge ) | Rs 500.00 |
| Adhoc eStatement on request | Rs 500.00 |
| Adhoc Printed Statement on request | Rs 1,500.00 |
Fees and Charges | genie Debit Mastercard
| New card issuance fee | Rs 800.00 |
| Card Replacement fee | Rs 800.00 |
| Annual fees | Rs 600.00 |
| Cash withdrawal from Lankapay network ATM's | Rs 30.00 |
| Balance inquiry from Lankapay network ATM's | Rs 7.50 |
| Cash withdrawal from overseas ATM | Rs 500.00 |
| Fuel surcharge | 1% |
*All cross-border transactions will be converted using payment scheme (Mastercard) exchange rates. In order to mitigate local exchange rate movements, an additional amount (minimum of 4.5%**) will be included to the rate at the time of billing.
** Rates are subjected to market rate fluctuations
Fees and Charges | Virtual Debit Card
| New card issuance fee | Rs 500.00 |
| Annual fees | Rs 500.00 |
Fees and Charges | Top-up from other banks (Just Pay) Effective from 2nd FEB 2026
| Transaction Value | Charge |
|---|---|
| Rs. 1 - Rs.1,000 | Rs 1.00 |
| Rs.1,001 - Rs.2,000 | Rs 4.00 |
| Rs.2,001 - Rs.4,000 | Rs 8.00 |
| Rs.4,001 - Rs.6,000 | Rs 12.00 |
| Rs.6,001 - Rs.8,000 | Rs 16.00 |
| Rs.8,001 - Rs.150,000 | Rs 20.00 |
Fees and Charges | eZ Banking
| Deposit Value (LKR) | Convenience Fee |
|---|---|
| 500 - 1,000 | Rs 10.00 |
| 1,001 - 2,500 | Rs 15.00 |
| 2,501 - 10,000 | Rs 25.00 |
| 10,001 - 25,000 | Rs 25.00 |
| 25,001 - 50,000 | Rs 25.00 |
| 50,001 - 100,000 | Rs 170.00 |
| 100,001 - 250,000 | Rs 250.00 |
Fees and Charges | Loan against Fixed Deposit (w.e.f. 1st October)
| Interest Rate (Digital) | FD rate + 2.0% p.a |
| Interest Rate (Manual) | FD rate + 2.0% p.a |
| Documentation Fees | 0.5% of the loan amount Min of Rs500/- Max of Rs3,000/- |
Fees and Charges | Loans
| Loan Settlement Charge | Rs.500 |
| CRIB Clearance Letter Charge | Rs.500 |
| Bank Statement Charge | Rs.1,000 |
| Over The Counter Fund Transfer (CEFT) | Rs.100 |
Fees and Charges | Lending
| Mortgage bond releases / Cancellation | LKR 10,000 |
Fees and Charges | Leasing
| Documentation/ Processing fee | Rs. 10,000 (> 1Mn) Rs. 5,000 (<1Mn) |
| Early Settlement Fee | 60% Interest Rebate (Standard) 100% Interest Rebate (Subject to new Facility) 90% Interest Rebate (Refinance) |
| Penalty Interest Rate | 3% per annum |
| RMV Processing Fee | Rs. 1,000 |
| Re-issue - Duplicate Deletion | Rs. 1,500 |
| Re-issue - Transfer Papers | Rs. 3,000 |
| Sale of Asset at Settlement | Rs. 5,000 |
| Invoice Processing Fee | Rs. 1,000 |
| Balance Confirmation | Rs. 1,000 |
| Facility amendments | Rs. 10,000 (> 1Mn) Rs. 5,000 (<1Mn) |
Fees and Charges | Leasing
| CRIB clearance | Rs. 1,000 |
| Yard Admin fee | Rs. 4,000 |
| Parking fee | Rs. 2,000 per month (Motor bikes) Rs. 5,000 per month (Cars, Vans & SUVs) Rs. 7,000 per month (All other Assets) |
| Stamp Duty - Finance Leasing | up front not a income |
| Assets Replacement Fee | Rs. 5,000 |
| Retrieval of Archived Documents | Rs. 500 |
| Letter confirming settlement | Rs. 1000 |
| INo arrears letter | Rs. 500 |
| Payment history | Rs. 500 |
| Insurance Commission - as per agreement with Insureme | All policies routed through Insureme. Exceptions - 1st year sale and lease back. On renewal to be converted. Covered under Fleet Policy |
| PD Cheque Returns/Debtor Cheque Return Charges | Rs. 1,000 |
Fees and Charges | Term Loans
| Segment | Individual/Small Business | ||||
|---|---|---|---|---|---|
| Documentation/ Processing Fee | Early settlement Fees | ||||
| Standard | Min Rs. | Max Rs. | Max | Min | |
| EMI Based 12 months or more | 0.15% | 500 | 15,000 | 4% | Refer waivers |
| Short Term tenor less than 12 months or revolving | 0.10% | 2% | |||
| PD Cheque Returns/Debtor Cheque Return fee | Rs. 1,000 | ||||
| Penalty Interest rate | 3% per annum | ||||
| Segment | SMEs/ Corporates | ||||
| Documentation/ Processing Fee | Early settlement Fees | ||||
| Standard | Min Rs. | Max Rs. | Max | Min | |
| EMI Based 12 months or more | 0.15% | 5,000 | 200,000 | 4% | Refer waivers |
| Short Term tenor less than 12 months or revolving | 0.10% | 2% | |||
| PD Cheque Returns/Debtor Cheque Return fee | Rs. 1,000 | ||||
| Penalty Interest rate | 3% per annum | ||||
Fees and Charges | Purchase Order/Invoice Factoring/Margin Trading
| Product | PO/ Invoice Financing | ||||
|---|---|---|---|---|---|
| Short Term tenor less than 12 months | Documentation/ Processing Fee | Early settlement Fees | |||
| Standard | Min Rs. | Max Rs. | Max | Min | |
| Documentation/ Processing Fee | 0.15% | 22,500 | 200,000 | 4% | Refer waivers |
| Administration fee | 0.5% on every PO or invoice | ||||
| Minimum monthly service fee | 0.05% on the facility value (will be charged only if administration charge is not applicable or lower than monthly service charge at any given month) |
||||
| PD Cheque Returns/Debtor Cheque Return fee | Rs. 1,000 | ||||
| Penalty Interest rate | 3% per annum | ||||
| Product | Margin Trading | ||||
| Processing fee | Rs. 2,500 (up to Rs. 5mn share portfolio), Rs. 4,000 (above Rs. 5mn share portfolio) | ||||
| Balance Confirmation | Rs. 1,000 | ||||
