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Plain-language guides to personal finance in Sri Lanka.

Guides

Fixed deposits explained: how FD interest works

What a fixed deposit is, how interest is calculated, and how to choose a tenor.

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Understanding the Colombo Stock Exchange (CSE)

A beginner's guide to share investing on Sri Lanka's stock market.

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EPF & ETF: your retirement savings explained

How Sri Lanka's mandatory retirement funds work for employees.

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How APIT (PAYE) income tax works

A plain-language guide to personal income tax deducted from your salary.

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Glossary

Common finance terms, explained simply.

APIT
Advance Personal Income Tax — income tax deducted at source from salaries (formerly PAYE).
ASPI
All-Share Price Index — the headline index of the Colombo Stock Exchange.
EPF
Employees' Provident Fund — a mandatory retirement savings fund for employees.
Fixed Deposit (FD)
A deposit locked for a fixed term at a guaranteed interest rate.
NPL
Non-Performing Loan — a loan on which the borrower has stopped making payments.
Repo Rate
The rate at which the Central Bank lends to commercial banks; a key policy tool.
Treasury Bill
A short-term government debt instrument (under one year) sold at a discount.
TT Rate
Telegraphic Transfer rate — the exchange rate for electronic currency transfers.