Smart Investor

A Wise Investment to fulfill your hopes

Make an investment with BOC Smart Investor where you could make the choice of the monthly installment and deposit period. Be assured of your dream, at end of the period.

  • Higher Interest rate. That cannot be matched by any other saving account.
  • Trust and security from Sri Lanka’s Largest and most respected state bank


BOC Smart Investor Plans

BOC Smart Investor - Two Year Investment Plans

Investment Plan SI-2A SI-2B SI-2C SI-2D SI-2E
Interest Rate 15.0% p.a. (A.E.R. 16.08%) 
Initial Deposit (Rs.) 50,000 100,000 250,000 500,000 1,000,000
Monthly Deposit 5,200 14,100 25,600 13,100 26,200
Maturity Value 200,000 500,000 1,000,000 1,000,000 2,000,000


BOC Smart Investor - Three Year Investment Plans

Investment Plan SI-3A SI-3B SI-3C SI-3D SI-3E
Interest Rate 15.5% p.a. (A.E.R. 16.65%) 
Initial Deposit (Rs.) 100,000 250,000 350,000 600,000 500,000
Monthly Deposit 8,000 14,300 22,300 24,900 28,500
Maturity Value 500,000 1,000,000 1,500,000 2,000,000 2,000,000


BOC Smart Investor - Four Year Investment Plans

Investment Plan SI-4A SI-4B SI-4C SI-4D SI-4E
Interest Rate 16.0% p.a. (A.E.R. 17.23%) 
Initial Deposit (Rs.) 250,000 300,000 400,000 500,000 750,000
Monthly Deposit 8,700 15,100 20,100 25,100 25,900
Maturity Value 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000


  • Investment plan is ceased on maturity. (Not renewable)
  • Deposit of Monthly installments on or before the same date of each month on which the account was opened. Any default/delay may result in receiving a lesser amount at maturity.
  • The installments and maturity amounts are subject to withholding tax, other charges (if any) and statutory levies imposed by the Government of Sri Lanka.
  • Investment plan is subject to directions of the Central Bank of Sri Lanka and the laws of the country.
  • No partial withdrawals allowed .Pre mature closures are not eligible for agreed rate of interest and other benefits.
  • The Bank may include/amend product features, terms and conditions time to time.


  • BOC Smart Invester Account opening Application
  • National Identity Card
  • KYC Form (to be obtained from the respective branch)

For more information, contact the nearest Bank of Ceylon branch or call on 1975, 24-hour hotline.

Conditions Apply