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A Fixed Deposit account offering a special rate exclusively for pensioners, designed to provide the best interest returns while ensuring their investment remains safe and secure.
– Sri Lankan Resident
– Government Pensioner or widow/widower (who receives pension of the spouse through Pension Department)
– Up to 75 years of age holding a valid national identity card (NIC)
– Earn a higher rate of interest than standard fixed deposit
– Select a plan for 1 year, 3 years or 5 years and receive interest either monthly or at maturity
– Get a Cashback Loan up to 90% of the deposit at the rate of (AER) + 2.50%
| Interest Frequency | 1 year | 3 years | 5 years |
| At Maturity | 12.00% | 13.50% | 15.25% |
| Monthly | 11.40% | 11.40% | 11.40% |
* Rates are subject to change at the discretion of the Bank
– Duly completed “Wishrama” Savings Account Application
– National Identity Card (NIC)
– Pension ID or any other proof document
– Copy of recent utility bill/bank statement to establish residence address (if address differs from NIC)
– Maximum deposit amount should be LKR 1,000,000/-
– Pension should be remitted to Cargills Bank “Wishrama” Savings Account.
– Premature upliftment interest rate will be applicable for any FD withdrawals made prior to the maturity date.
– Cargills Bank holds the authority to change, add or revise product features/offers and Terms and Conditions pertaining to the Cargills Bank “Wishrama” Fixed Deposit Account at any given time.
– All the other General Terms & Conditions and operating processes pertaining to the normal savings will be applied to “Wishrama” Fixed Deposit Account
