National Development Bank Plc

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NDB Platinum Credit Card

LKR 2,500/-	LKR 5,000/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Do all your banking transactions online from home, office or on the go.

Year-Round Discounts & Promotions

Free SMS alert facility

Enhanced security on Credit & Debit Card Transactions

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NDB Signature Credit Card

LKR 2,500/-	LKR 6,000/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Access your statements at your convenience.

Free Insurance coverage to cover the cardholder outstanding at the time of death or permanent disability.

Purchase your return air tickets using your NDB credit card

Repay your high value purchases in equal monthly installments at preferential rates.

Do all your banking transactions online from home, office or on the go. Simply log in to your mobile app.

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NDB Infinite Credit Cards

LKR 2,500/-	LKR 7,500/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Access your statements at your convenience.

Purchase your return air tickets using your NDB credit card and be entitled to a complementary travel insurance cover (T&C apply)

Free Insurance coverage to cover the cardholder outstanding at the time of death or permanent disability.

Repay your high value purchases in equal monthly installments at preferential rates.

Do all your banking transactions online from home, office or on the go. Simply log in to your mobile app.

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VISA Debit Card

LKR 900/-	LKR 750/-
Joining Fee	Annual Fee

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Safe alternative for cash

Easy access to multiple accounts via NDB ATMs

24/7 customer service

Deposit cash using the Debit Card even during non-banking hours.

Free SMS alert for each transaction carried out from the Debit Card.

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Araliya Debit Card

Free	LKR 600/-
Joining Fee	Annual Fee

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Safe alternative for cash

Easy access to multiple accounts via NDB ATMs

24/7 customer service

Deposit cash using the Debit Card even during non-banking hours.

Free SMS alert for each transaction carried out from the Debit Card.

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Aachara Debit Card

Contact Bank	LKR 600/-
Joining Fee	Annual Fee

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Safe alternative for cash

Easy access to multiple accounts via NDB ATMs

24/7 customer service

Deposit cash using the Debit Card even during non-banking hours.

Free SMS alert for each transaction carried out from the Debit Card.

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ZEE Debit Card

Free	LKR 600/-
Joining Fee	Annual Fee

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Access your statements at your convenience.

Easy access to multiple accounts via NDB ATMs

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NDB Aachara

Up to 13.00%	Up to 15 Years	LKR 4,500,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Repayment period maximum up to 15 years subject to maximum age limit of 75 years

Life Insurance coverage for the borrower in case of death of the borrower the loan will be settled in full by the insurer

No security requirement

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Dream Maker Personal Loans

Contact Bank	Up to 8 Years	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Speedy service

Fast Track - 3h approval

Hassle free documents

No guarantors required.

A dedicated personalized team to assist you.

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Solar Vantage Loans

Contact Bank	Up to 5 Years	LKR 4,500,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Quick and hassle-free service

Flexible repayment tenure up to 5 years

Flexibility to make early and/or partial settlements for a nominal charge.

The equipment is from a reputed and a Sri Lanka Sustainable Energy Authority (SLSEA) recommended supplier.

Free on-site feasibility studies and advisory services from the service providers

No security needed.

Up to 75% of the total cost

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NDB Educator Loan

Up to 15.00%	Up to 8 Years	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Pursue your higher education in any field or profession of your choice, without the burden of worrying about financial matters.

Pay only the interest portion while you study and pay off the loan capital once you complete the program.

Quick and hassle-free service

No security needed.

Loans up to 80% of the course fee

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NDB Ran Naya Pawning

Up to 13.25%	Contact Bank	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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NDB’s Ran Naya Pawning service offers you speedy, reliable and confidential service, coupled with a hassle-free operation and utmost security for your Gold.

Pawning service is available at 89 NDB branches.

Redemptions can be made even by part payments.

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NDB Home Loan - Salaried employees

Up to 14.00%	20 Years and Above	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Financing from Rs. 100,000/- upwards

A dedicated personalized team to assist you.

Repayment tenure from 20 years Up to the retirement age

Ability to structure the loan to suit your repayment capacity.

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NDB Home Loan - Self employed

Up to 14.00%	Up to 10 Years	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Repayment tenure up to 10 years

Financing from Rs. 500,000/-

Dedicated personalized team to assist you

Ability to structure the loan to suit your repayment capacity

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Home Loan - Resident Sri Lankan Citizens

Up to 14.00%	Up to 20 Years	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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80% of the FSV/ Selling price (whichever is low) for salaried segment & for Self-employed 70%

Tailor-made repayment options to suit your needs.

Hassle free insurance blanket covers up to 20Mn.

Special benefits from NDB Registered Apartment projects

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NDB Home Loan Max

Up to 14.00%	Contact Bank	LKR 10,000,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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75% Forced save value - Home Loan Outstanding

Second loan offered to existing NDB home loan customers

Offered to fulfill your lifestyle desires

Financing upto a maximum of LKR 10Million (based on the eligibility)

The leeway available on the property could be utilized for any house related purpose

Less documentation

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'Viyana' Home Loan Scheme

Up to 14.00%	Up to 20 Years	LKR 2,500,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Lowest fixed interest rate

Flexible repayment tenure upto 20 years

Financing from LKR 250,000 upto LKR2.5 million upwards

Loans offered as against a mortgage

Loans could be utilized for any housing purpose except for land purchases

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Big Saver

Salary Savings	Up to 4.00%
Category	Indicative Rate (P.A)

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Unlimited withdrawals

Open with LKR 25,000

Higher interest rates as your balance increases

Internet Banking Facility

Mobile Banking Facility

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Real Saver

Regular Savings	Up to 4.00%
Category	Indicative Rate (P.A)

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100% bonus as your monthly commitment is met

A minimum monthly deposit of Rs. 1,000 or above has to be pledged by you at the time of opening an account

Open with an initial deposit of Rs. 1000/-

Receive a Passbook or an e-statement to track your savings

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Vismitha Savings

Regular Savings	Up to 2.50%
Category	Indicative Rate (P.A)

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Open with LKR 10,000.

Option of recieving a NDB passbook or e-Statement

NDB Debit card

Mobile Banking facility

Free internet Banking

Unlimited withdrawals

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Easy Saver

Regular Savings	Up to 2.25%
Category	Indicative Rate (P.A)

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Unlimited withdrawals

Open with LKR 1,000

Mobile Banking facility

E-Statement facility

Internet banking facility

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Salary Max Savings

Salary Savings	Up to 2.50%
Category	Indicative Rate (P.A)

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Remit your salary for 3 consecutive months and get a salary advance or POD equal to your monthly salary

Attractive interest rates on Dream Maker personal loans

Home loan facilities

A credit card with special seasonal benefits

Leasing facilities

Micro loan facilities

NDB Debit card

Standing order facility

Real Saver Account or Araliya savings Account with Bonus interest

Mobile banking facility

E-statement option

Free Internet Banking

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NDB Aachara

Senior Citizens	Up to 3.00%
Category	Indicative Rate (P.A)

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Open an Aachara savings Account with a minimum deposit of LKR 200

Open an Aachara Current Account with minimum deposit of LKR 5,000

Higher interest rates for Aachara senior citizens' Fixed deposits

Receive a personalised Cheque Book for Current accounts

Branded Aachara Visa Debit Card

Access your account via Online Banking and Mobile Banking App

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NDB Shilpa Children's Savings Account

Children Savings	Up to 6.00%
Category	Indicative Rate (P.A)

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Account holders of 15 years and below will be eligible for the Gift Scheme

The account holder is entitled to a free hospitalization cover whereby Rs.2,500/- per day shall be paid in the event of the account balance reaching Rs.20,000/- However the total amount payable shall be subject to a maximum amount of Rs.225,000 /- per annum

In the event the account holder is admitted to the intensive care unit of a hospital , the above benefit on hospitalisation per day shall be doubled. However the total amount payable will be subject to a maximum amount of Rs.225,000 per annum

Please note the above shall be applicable only after 30 days of child's birth and for hospital stays of not less than two (02) nights

Please note the above shall be applicable only after the account holder reaches one year (01) of age and for hospital stays of not less than two (02) nights

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Children's Savings Planner

Children Savings	Up to 8.00%
Category	Indicative Rate (P.A)

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A guaranteed interest rate

Option to select a savings plans ranging from 1-18 years.

Savings plans from LKR 250,000.00 - up to LKR 10,000,000/-.

Watch your investment grow via the NDB e-statement and Mobile Banking.

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Regular Current Account

Personal Current Account	Contact Bank
Category	Indicative Rate (P.A)

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Open a Personal Current Account with an initial deposit of LKR 15,000/-

Receive a personalised Cheque Book

Request for Visa Debit Card

Access your account via Online Banking

Mobile Banking Facility

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Business Current Account

Other Current Account	Contact Bank
Category	Indicative Rate (P.A)

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Features

E-Windows (inquiry Option) Free of Charge

Debit Card Issuance fee (Individual Clients) - waived off

Inward Cheque return charge for cheque warehousing customers -waived off

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Araliya Women’s Savings Account

Women's Saving	Up to 3.12%
Category	Indicative Rate (P.A)

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Interest up to 3.12% for all accounts meeting the monthly commitment.

Welcome gift for initial deposits of Rs.10,000.

A free Shilpa Savings Account with a maximum deposit of LKR 25,000 for accounts maintaining a monthly average balance over LKR 25,000*

Free life protection cover of up to Rs.1,000,000 for account holder and family.

Free hospitalization cover for family members and account holder*

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Savings Planner

Salary Savings	Up to 7.50%
Category	Indicative Rate (P.A)

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Savings plans ranging from LKR 250,000 up to LKR 10 Million.

Option to select a savings period of 1-10 years.

Ability to start a plan with a large deposit and continue the savings planner (in multiples of LKR 100,000) and make a lesser monthly commitment

Watch your investment grow via NDB e-statement and Mobile Banking App

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Money Market Account

Salary Savings	Up to 6.00%
Category	Indicative Rate (P.A)

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Unlimited withdrawals

Interest calculated daily and credited monthly to the account

Debit Card Facility

Mobile Banking APP and Internet banking facility

E- Statement facility

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Reverse Planner

Salary Savings	8.00%
Category	Indicative Rate (P.A)

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Ability to deposit a lump sum amount to the Reverse Planner Account

Decide the monthly income at the opening of the Reverse Planner Account and receive a pre deretemined monthly amount automatically

Guaranteed Interest Rate

Option to select a period of 05 - 20 years

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Savings Certificate

Salary Savings	7.00%
Category	Indicative Rate (P.A)

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Attractive interest rate

Withdrawals upon maturity

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NDB Zee

Teen / Youth Savings	Up to 3.00%
Category	Indicative Rate (P.A)

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Open the account via a video call without walking to a branch

Attractive Interest rates

Attractive customized debit card

Ability to open the account with Rs.2,500/- as the initial deposit

Receive a mobile reward(for any network connection) as the welcome gift*

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One Account

Special Savings	Contact Bank
Category	Indicative Rate (P.A)

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Current Account with a cheque book

First cheque book will be issued free of charge

A preapproved credit card with a limit of LKR 100, 000/- or more

Visa Debit card | Salary Advances

An NDB Wealth Money Plus Fund

Dream Maker loan facility

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Araliya Current Account

Other Current Account	Contact Bank
Category	Indicative Rate (P.A)

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Ability to obtain a bank overdraft up to 95% of your term deposits

Sweep facility between accounts

Araliya branded cheque book

Araliya branded credit card

Special discounts when transferring salaries in to employees accounts

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Fixed Deposits

6.50%	--	7.25%
1 Month	2 Months	3 Months
6 Months	12 Months (1Y)	24 Months (2Y)
7.75%	7.75%	8.50%

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Convenient Automatic renewal of your deposit, according to your renewal instructions at the time of placement.

Make changes to your settlement instructions by giving us two working days’ notice prior to the maturity date.

Withdraw from any one of our Branches

Ability to view your deposit details through mobile banking and Internet Banking facility.

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Foreign Currency Deposits

3.75%	--	4.25%
1 Month	2 Months	3 Months
6 Months	12 Months (1Y)	24 Months (2Y)
4.50%	4.75%	3.60%

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FOREIGN CURRENCY DEPOSITS –USD, GBP, EURO, AUD, CAD, SGD, NZD

Term : 1 month, 3 months, 6 months & 1 year and 1 year deposit with monthly interest

Short Term Less than a year and Long Term Foreign Currency Bank deposits

IIA Accounts to support investments

Uninterrupted /Guaranteed Cash Flow options to meet your monthly commitments by repatriating the interest income to your bank accounts of your choice overseas

Withdrawal of deposits prior to maturity of the deposit can be accommodated to meet urgent payment etc at prevailing market rates at the time of withdrawal

Repatriation of capital and interest income to your bank accounts overseas

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Special Deposit Account

--	--	--
1 Month	2 Months	3 Months
6 Months	12 Months (1Y)	24 Months (2Y)
8.75%	9.75%	--

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SDAs shall only be opened as Fixed Deposists . SDA Savings Account can be opned only for purpose of receiving funds to be placed in SDA Fixed Deposit.

Joint accounts are permitted with another eligble person.

Freely convertible and remittable outside Sri Lanka at maturity

Will not be subject to Foreign Exchange Regulation No 1 of 2017 published in Gazette Notification No 2045/56 dated 17.11.2017

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