Real rates from banks and fintechs. Compared side by side, no affiliate bias.
National Savings Bank
Up to Rs5M
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Best for: Borrowers prioritizing lower rates and longer repayment over speed or digital convenience
Pan Asia Banking Corporation
Rs500k–Rs5M
12–72 mo
Best for: Borrowers who value unsecured access and transparent current pricing more than absolute lowest rate
Bank of Ceylon
Rs30k
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Best for: Borrowers who want a large state-bank network and relatively modest salary-entry requirements
Seylan Bank
Rs500k–Rs7M
12–84 mo
Best for: Borrowers earning at least LKR 200,000 monthly who need a bigger ticket and can route salary through Seylan
Commercial Bank of Ceylon
Rs100k–Rs5M
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Best for: Salaried borrowers who want a mainstream private-bank option with a more explicit processing timeline