Senior guide
Senior citizen FD guide for Sri Lanka
Questions senior savers should ask before choosing a fixed deposit product in Sri Lanka.
Questions this guide answers
Do I qualify for a senior FD product?
Should I choose monthly income?
What source page should I check?
Quick steps
- 1Confirm the bank's senior eligibility rules.
- 2Compare senior and standard options separately.
- 3Choose monthly income or maturity payout based on cash needs.
- 4Check the source link and renewal rules.
Start with eligibility
Senior products can have age and documentation requirements. Always confirm with the bank before relying on the rate.
If a senior rate is not available for your tenure, compare standard products too.
Monthly income can matter more than headline rate
For some senior savers, stable monthly interest is more useful than a slightly higher maturity value.
Use the calculator to see the difference in cash flow and end value.
Frequently asked questions
Do all Sri Lankan banks offer senior FD rates?
No. Availability can vary by bank and tenure, so check each bank source page.
Can a senior saver use RateHive?
Yes. Use the senior option in the calculator where available and confirm eligibility directly with the bank.