The Board

State Mortgage & Investment Bank

Bank
www.smib.lkLast published 22 Oct 2026Verified today

Current term structure

What a longer lock-in pays

Up to +4.5% above 1mo

4.69%6.73%8.77%10.81%1mo3mo4mo6.5%6mo7mo1yr15mo2yr3yr4yr5yr7yr10%10yr
Highest return
10%
at 10yr
Offers mapped
13

Select a maturity point to inspect its recorded rate changes below.

Market position

Is this a competitive rate?

General customers · 6mo · interest at maturity

Published rank

#40 / 40

Against market median

-3.25%

Median: 9.75%

Distance to market high

5%

High: 11.5%

Other high ratesRichard Pieris Finance Ltd 11.5%UB Finance PLC 11.38%People's Leasing & Finance PLC 11.38%

Rate history

Tenure

General customers, interest paid at maturity · 6mo

6.006.256.506.757.006.500%
Download CSV
DateChangeRate p.a.
29 Jul 2026First recorded6.5%

Current rates

CustomerTenurePayoutMin. depositRate p.a.
General1moAt maturity—5.5%
General3moAt maturity—6%
General4moAt maturity—6.25%
General6moAt maturity—6.5%
General7moAt maturity—6.5%
General1yrAt maturity—6.75%
General1yrMonthly—6.5%
General15moAt maturity—7%
General2yrAt maturity—7.5%
General2yrMonthly—6.5%
General3yrAt maturity—8%
General3yrMonthly—6.5%
General4yrAt maturity—8.5%
General4yrMonthly—6.5%
General5yrAt maturity—9%
General5yrMonthly—6.5%
General7yrAt maturity—9.5%
General10yrAt maturity—10%
Senior Citizen3moAt maturity—6.75%
Senior Citizen3moMonthly—6.5%
Senior Citizen6moAt maturity—7%
Senior Citizen6moMonthly—6.75%
Senior Citizen1yrAt maturity—7.25%
Senior Citizen1yrMonthly—7%
Senior Citizen2yrAt maturity—8%
Senior Citizen2yrMonthly—7.25%
Senior Citizen3yrAt maturity—8.5%
Senior Citizen3yrMonthly—7.25%
Senior Citizen4yrAt maturity—9%
Senior Citizen4yrMonthly—7.25%
Senior Citizen5yrAt maturity—9.5%
Senior Citizen5yrMonthly—7.25%
Senior Citizen10yrAt maturity—10%

Licence and safety

Who stands behind this deposit?

Licence
Licensed Specialised Bank
Licensed and supervised by the Central Bank of Sri Lanka.
Credit rating
Not recorded yet — check the rating agency's site.
Deposit insurance
Deposits are covered by the Sri Lanka Deposit Insurance Scheme up to LKR 1,100,000 per depositor, per institution. Anything above that is not insured.