Welcome to SMIB Bank


State Mortgage & Investment Bank

Welcome to State Mortgage & Investment Bank

Contact No : 94 11 2 573 567

Address : No. 269, Galle Road, Colombo 3.

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Personal Loans
Indicative Rate (P.A) Tenure Max Loan Amount
23.00% to 25.75% Up to 12 Years Contact Bank

Features
An attractive interest rate
Flexible repayment periods up to a maximum of 12 years
Ability to apply jointly with spouse
Speedy loan approval process
Optimum (maximum) loan amount is decided based on monthly income and repayment capacity

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Personal Loan – Property Mortgage
Indicative Rate (P.A) Tenure Max Loan Amount
23.25% to 24.50% Up to 15 Years Contact Bank

Features
Speedy approval
Quick and hassle-free process
Ability to apply jointly with spouse
Maximum loan amount will be based on repayment capacity and property value
The total loan value disbursed at once (not in stages)

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Pahan Piyasa
Indicative Rate (P.A) Tenure Max Loan Amount
23.00% to 24.25% Up to 25 Years Contact Bank

Features
Affordable interest rates
Ability to apply jointly with spouse
Speedy personalized service with in-house valuation and legal assistance
Speedy personalized service with in-house valuation and legal assistance
Consultation for BOQ preparation and construction

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EPF Loans
Indicative Rate (P.A) Tenure Max Loan Amount
24.00% to 25.50% Up to 15 Years Contact Bank

Features
Speedy Processing and approval
Quick and hassle-free financial support
A maximum loan value up to 75% f the EPF balance will be granted

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Auto Loan
Indicative Rate (P.A) Tenure Max Loan Amount
25.00% Up to 7 Years LKR 15,000,000

Features
The Vehicle Loan scheme will capitalize the market towards the growing Transportation, Agriculture & tourism Industry which are helpful to more Economic development activities in the country
SMIB will finance only – Cars, SUV’s, Van, Lorry, bus and Jeeps
Vehicles financed can be brand new, unregistered or registered, provided the vehicle is not older than 10 yrs from date of manufacture at the time of obtaining the loan. Exceptions being,
– Indian (Maruti/ Tata) and Chinese – Brand new only
– Korean / other Asian – Brand new and reconditioned (unregistered) only

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Sarani
Category Indicative Rate (P.A)
Children Savings 5.25%

Features
Stability and being a state owned bank / Highest interest rates.
Most flexible customer service / Attractive gift scheme
Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate of 1% lesser than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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MUTHUSINA
Category Indicative Rate (P.A)
Children Savings 5.25%

Features
Attractive interest rate / Stability and being a state owned bank
Attractive gift scheme / Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate that is 1% lower than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the Bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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Regular Savings
Category Indicative Rate (P.A)
Regular Savings 3.50%

Features
A savings account with a wide range of options that suits your personal banking needs. Our savings account offers you steady growth to reach your future savings goals.
Account can be opened jointly
Attractive interest rate

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Senior Citizen Fixed Deposits
1 Month 2 Months 3 Months
-- -- 15.10%
6 Months 12 Months (1Y) 24 Months (2Y)
15.00% 15.50% 16.25%

Features
Attractive interest rates – Please Refer FD RATES
Deposits with monthly and annual interest payments
Standard fixed deposits with 1, 3, 6, 12, 24, 36, 48 and 60 month tenures
Fixed Deposits will be accepted as a security for loans, Guarantees etc.
Option to nominate a beneficiary

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Kapthura
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 14.50% 15.50%

Features
Attractive interest rates
Deposits with monthly and annual interest payments
Standard fixed deposits with 1, 3, 6, 12, 24, 36, 48 and 60 month tenures
Fixed Deposits will be accepted as a security for loans, Guarantees etc.
Option to nominate a beneficiary

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