- Personal Loans
- Housing Loans
- Vehicle Loans / Leasings
- Savings & Current Accounts
- Fixed Deposits
Loans
Investment
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Personal Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 26.00% to 28.75% | 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
Personal Loan – Property Mortgage
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 26.25% to 27.50% | 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)
Pahan Piyasa
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 26.00% to 27.25% | 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
EPF Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 27.00% to 28.50% | 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
Auto Loan
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 28.00% | 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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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)
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)
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
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
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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