Tenure planning
How to choose a fixed deposit tenure in Sri Lanka
Choose your FD tenure by matching the rate with your cash need date, renewal plan, and comfort with locking money.
Updated 2026-05-04 · 5 min read
Short tenures keep money flexible
One, two, three, and six month FDs can suit savers who expect to use cash soon or want to review rates frequently.
Short tenures may help when rates are moving and you do not want to lock into a long product too early.
Long tenures trade flexibility for certainty
Twelve to sixty month products can suit money that you do not expect to touch soon.
Before choosing a longer product, check the early withdrawal rules and whether the source page says the rate is special, promotional, or limited.
Frequently asked questions
What FD tenure should I choose?
Choose the tenure that matches when you may need the money. Then compare rates only within that tenure.
Are long-term FD rates always better?
No. A long-term FD can offer certainty, but short tenures may be more flexible when rate conditions change.