We, Sri Lankan, have the habit of having a fixed deposit for the financial security. The state and commercial banks are believed to be safest but their interest rates are relatively law in comparison to other financial institutions. However there is a risk of investing money on these finance companies given the bad experiences. The central bank monitor most of the banks and finance companies and it is vital that you check about these regulations before investing your money. Most of the banks and finance companies provide higher interest rates for seniors. Some may have a limit for the amount of money one can deposit in a single account. Finance companies are – if they have the recognition of central bank – good way of investing your hard earn money for a regular income from the interest you get. We share some of the advertisement here which indicate the interest rate in these finance institutions and banks. 1. Richard Peiris Finance Limited (Arpico finance) Fixed Deposit Rates : Received on February 15, 2017 Cargills Bank Interest Rates : Cargills bank is a new financial organization. Here is their promotional leaflet in January 2017 indicating their interest rates. Please note that we do not have any conflict of interest or legal bonding to these institutions. This space will only provide you some information about bank interest rates and it is your responsibility to decide on particular investment.