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Bank of Ceylon FD Interest Rates
Bank of Ceylon fixed deposit interest rates range from 6.75% p.a. to 8.25% p.a. for tenures ranging from 1 month to 5 years. Under the ‘Special Fixed Deposit Scheme for senior citizens 2025’, senior citizens get an interest rate of 11.32% p.a. for a tenure of one year. The minimum deposit amount is Rs. 10,000.
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Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
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(Post Office)Get Guaranteed returns up to 7.4%*
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FD Interest Rates
- Bank of Ceylon Fixed Deposit Interest Rates
What are Bank of Ceylon FD Rates?
The Bank of Ceylon in Sri Lanka ensures that its customers have access to term‑deposit schemes with high FD rates. Below are the Bank of Ceylon FD rates for general and senior citizens from 1 month to 5 years, effective from 5th May, 2026
| Tenure | Interest rates (p.a.) |
| 1 Month | 6.75% |
| 3 Month | 7.25% |
| 6 Month | 7.50% |
| 1 Year - Interest at maturity | 7.25% |
| 1 Year | Senior Citizens - Interest at maturity | 7.75% |
| 2 Years - Interest at maturity | 7.50% |
| 3 Years - Interest at maturity | 7.75% |
| 4 Years - Interest at maturity | 8.00% |
| 5 Years - Interest at maturity | 8.25% |
*Bank of Ceylon FD rates w.e.f May 08, 2026
Special Fixed Deposit Scheme for Senior Citizens 2026
The FD interest rates offered by the Special Fixed Deposit Scheme for Senior Citizens are:
| Tenure | Interest rates (p.a.) |
| 1 Year | 11.32% |
*Bank of Ceylon FD interest rates w.e.f. May 27, 2025
Features Bank of Ceylon Fixed Deposit
Some of the additional features of Bank of Ceylon fixed deposits are:
- Interest rates vary depending on the deposit tenure, with longer periods generally offering higher rates compared to other fixed deposit rates.
- Option for auto-renewal of the deposit at maturity if not withdrawn
- Premature/early withdrawal facility available, subject to applicable terms and reduced interest rates
- Special fixed deposit schemes available for senior citizens with higher interest rates
- Foreign currency fixed deposit options (NRFC/RFC) available for eligible customers
- Deposits covered under the Sri Lanka Deposit Insurance and Liquidity Support Scheme (SLDILSC), up to the applicable limit
- Fixed deposits can be opened and managed conveniently through BOC's online/mobile banking channels
- A loan facility available against the fixed deposit.
Conclusion
The Bank of Ceylon FD rates are up to 8.25% p.a., depending on the tenure of the deposit. The Special Senior Citizens FD scheme offers an interest rate of 11.32% p.a. for a tenure of one year. With eligibility starting from 18 years of age, Bank of Ceylon opens opportunities for all adults to grow their savings. It is important to consider the interest rates when choosing a Fixed Deposit scheme.
FAQs
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What are the Bank of Ceylon FD interest rates?
Bank of Ceylon FD interest rates range from 6.75% p.a. to 8.25% p.a., for the tenures from 1 month to 5 years. -
Can I invest for 1 month under a Bank of Ceylon FD scheme?
Yes, Bank of Ceylon offers deposit tenures starting from 1 month, so you can invest for that minimum period for short-term goals. -
Is there a special FD scheme for senior citizens?
Yes, under the “Special Fixed Deposit Scheme for Senior Citizens 2025,” where senior citizens get a rate of 11.32% p.a. for a 1-year deposit and interest paid monthly. -
Are there any penalties for premature withdrawal of Bank of Ceylon FDs?
Yes, if a Fixed Deposit is closed before its maturity date, a reduced interest rate is applied. -
What is the minimum deposit for the Senior Citizens FD scheme?
The minimum deposit required for the Senior Citizens FD scheme is Rs. 10,000. -
What is the FD rate for BOC as of July, 2026?
As of July, 2026, BOC Bank fixed deposit rates range from 6.75% to 8.25% per annum for regular fixed deposits.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ