Digi Products

CIM is all about making your life easier, when it comes to your financial management, and that is why we have a whole range of carefully curated Digi Products that can help you do just that. From loans to digital deposits, CIM cover everything that you could need.

Experience the pinnacle of financial gains with our LB CIM Digital FD option, tailored to suit your needs with flexible time periods ranging from 1 to 60 months. Enjoy interest rates in accordance to your chosen duration, credited conveniently at maturity or as per your preference. Unlock additional benefits with loan facilities of up to 75% of your deposit value, depending on your interest payment frequency.

Available LB CIM Digital FD Types :

  1. Regular Fixed Deposit – Grow your money with fixed, reliable interest.
  2. Flex Deposit – Enhanced flexibility in maturity periods.
  3. Wakala Fixed Deposit – Shariah-compliant investment for secure returns.
  4. Wakala Flex Deposit – Shariah-compliant deposit with flexible maturity options.

Apply anytime, anywhere – finance made truly effortless.

Key Features

  • Instructions for FDs can be edited as needed
  • Customers have the flexibility to withdraw funds from their FDs at any time and from anywhere
  • Customers have the convenience of downloading FD certificates unlimitedly at any time and from anywhere
  • At maturity, Fixed Deposits (FDs) will automatically credit the withdrawals to your CIM Wallet or LB Savings account
  • Physical Fixed Deposits (FDs) have the option to be converted into Digital FDs
  • Customers can apply for FD loans
  • Apply for Digital FD exclusively through the app
  • Regular Fixed Deposit
Period Normal Senior
Monthly A.E.R Maturity A.E.R Monthly A.E.R Maturity A.E.R
1 Month N/A N/A 7.20% 7.44%  N/A N/A 7.20% 7.44%
50 Days N/A N/A 7.20% 7.43% N/A N/A 7.20% 7.43%
3 Months 7.25% 7.50% 7.50% 7.71% 7.25% 7.50% 7.50% 7.71%
100 Days N/A N/A 9.26% 9.58% N/A N/A 9.26% 9.58%
6 Months 7.50% 7.76% 7.75% 7.90% 7.50% 7.76% 7.75% 7.90%
200 Days N/A N/A 9.67% 9.88% N/A N/A 9.67% 9.88%
1 Year 8.25% 8.57% 8.50% 8.50% 8.75% 9.11% 9.00% 9.00%
400 Days N/A N/A 11.17% 11.11% N/A N/A 11.67% 11.61%
15 Months 8.50% 8.84% 9.15% 9.05% 9.00% 9.38% 9.65% 9.54%
18 Months 8.75% 9.11% 9.40% 9.19% 9.25% 9.65% 9.90% 9.67%
2 Years 9.50% 9.92% 10.25% 9.77% 10.00% 10.47% 10.75% 10.23%
25 Months N/A N/A 10.75% 10.19% N/A N/A 11.00% 10.41%
3 Years 9.75% 10.20% 10.75% 9.77% 10.25% 10.75% 11.25% 10.18%
37 Months N/A N/A 12.25% 10.95% N/A N/A 12.75% 11.35%
4 Years 9.75% 10.20% 10.75% 9.35% 10.25% 10.75% 11.25% 9.73%
5 Years 10.25% 10.75% 13.00% 10.53% 10.75% 11.30% 13.50% 10.87%

Effective Date : 13th January 2026

  • Wakala Fixed Deposit
Period Normal Senior
Monthly A.E.R Maturity A.E.R Monthly A.E.R Maturity A.E.R
1 Months N/A N/A 6.70% 6.91% N/A N/A 6.70% 6.91%
50 Days N/A N/A 6.70% 6.90% N/A N/A 6.70% 6.90%
3 Months 6.75% 6.96% 7.00% 7.19% 6.75% 6.96% 7.00% 7.19%
6 Months 7.00% 7.23% 7.25% 7.38% 7.00% 7.23% 7.25% 7.38%
1 Year 7.75% 8.03% 8.00% 8.00% 8.25% 8.57% 8.50% 8.50%
15 Months 8.00% 8.30% 8.65% 8.56% 8.50% 8.84% 9.15% 9.05%
18 Months 8.25% 8.57% 8.90% 8.71% 8.75% 9.11% 9.40% 9.19%
2 Years 9.00% 9.38% 9.75% 9.32% 9.50% 9.92% 10.25% 9.77%
3 Years 9.25% 9.65% 10.25% 9.35% 9.75% 10.20% 10.75% 9.77%
4 Years 9.25% 9.65% 10.25% 8.97% 9.75% 10.20% 10.75% 9.35%
5 Years 9.75% 10.20% 11.00% 9.16% 10.25% 10.75% 11.50% 9.51%

Effective Date : 01st September 2025

Eligibility

  • Any Sri Lankan resident over the age of 18 years is allowed to open a Fixed Deposit
  • In the event of premature withdrawal, interest will be paid at the discretion of the management

Requirements

  • The minimum amount required is Rs. 5000/=
  • A verified and active LB CIM account