This account is available to individuals and legally recognised entities, including sole proprietorships, partnerships, companies, clubs, and societies, subject to KYC and regulatory requirements.

Yes. Joint accounts are permitted for individuals. For entities, authorised signatories may operate the account according to the mandate.

Interest is calculated based on the account balance, with higher balances earning higher rates according to predefined tiers.

Customers must provide standard KYC documentation:

Individuals: Proof of identity and address
Entities: Business registration documents, authorized signatory details, and relevant constitutional documents

No. Individual applicants must be 18 years or older.

Yes. The deposit may be used as collateral, subject to Janashakthi Finance’s lending policies.

This account is available to female individuals aged 18 years and above, subject to KYC and regulatory requirements.

Yes. Joint accounts are permitted only if all account holders are female.

No. If a male is added, the account will no longer qualify for Shakthi benefits and may be converted into a standard savings account.

Customers must provide standard KYC documentation, including proof of identity and address.

Yes. The deposit may be used as collateral, subject to Janashakthi Finance’s lending policies.

No. The account is available only to individuals aged 18 years and above.

This account is available to individuals below 18 years of age and must be opened and operated by a parent or legal guardian on behalf of the minor, subject to KYC and regulatory requirements.

The account is operated by a parent or legal guardian on behalf of the minor, as the authorized signatory.

No. Joint minor accounts are not permitted. The account must be operated by a parent or legal guardian on behalf of the minor.

Withdrawals are not permitted until the child reaches 18 years of age. However, withdrawals may be allowed for essential purposes under exceptional circumstances, subject to approval.

Customers must provide standard KYC documentation. This includes the minor’s birth certificate, along with the NIC or other accepted identity verification documents of the parent or legal guardian, and proof of guardianship.

The account may be converted into a regular savings account once the minor reaches 18 years of age, subject to the completion of required documentation.

No. Deposits in this account cannot be used as collateral for any loan facility.

This product is available to female individuals aged 18 years and above, subject to the Bank’s KYC and regulatory requirements.

Yes. Joint accounts are permitted only if all account holders are female.

No. Male customers cannot be account holders under this product. All account holders must be female.

Yes, provided all account holders meet the eligibility criteria of being female and comply with the product terms in force at the time of conversion.

If a male customer is added as an account holder, the account will no longer qualify for the women’s product benefits and may be converted to a standard deposit account.

Customers must provide the standard KYC documents required by Janashakthi Finance, including proof of identity and address.

No, this product is available only to female individuals aged 18 years and above.

Yes, premature withdrawals are permitted, subject to Janashakthi Finance’s premature withdrawal policy.

Yes, the deposit may be used as collateral, subject to Janashakthi Finance’s lending policies.

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LRA Rating - BB+ (Positive Outlook)

Any person over the age of 18 years with the NIC/DL can open a fixed deposit at Janashakthi Finance.

Rs. 5,000

- Highest FD rates
- Fast and efficient service

Completed application, NIC/DL/Passport copies, KYC form & a billing proof document if the current address is different from the address mentioned on the NIC.

Yes, you can open joint accounts.

This will be decided as specified in the mandate. Basically the customer can decide who should operate the account.

The relevant scanned documents/applications should be forwarded through e-mail and funds could be transferred to one of our bank account in Sri Lanka. The original documents should be submitted to JFPLC within 7 working days from the date of opening the account.

Yes, All the transaction related information will be kept confidential under the section of 61 of the Finance business Act No 42 of 2011. Information can be disclosed to authorities by a court of law or in compliance with any other written law.

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The rates will be remain as per the contact signed between the client and JFPLC.

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LRA Rating - BB+ Stable

Yes. All the requests should be given in a written format. A new nomination form should be obtained from JFPLC and filled.

Yes. All the joint holders of the account should nominate the new nominee by written letter.

The nominee can submit the below documents and get the fund transferred to his/her account.

- Identification of the Nominee
- Deposit certificate
- Certified copy of the death certificate of the depositor
- Affidavit by the nominee
- Instruction letter from the nominee
- Bank account details

Yes, OFPLC will issue a certificate with the below details.

- Account No
- Depositor details
- Deposit amount
- Maturity date
- Authorized signatures

Yes, It’s possible to obtain a duplicate certificate by submitting the below documents to JFPLC.

- Depositor’s request letter
- An affidavit by a Notary

- From a nearest OF branch
- Fund transfer
- Cheque payments
- Bank draft

Yes. You could withdraw the deposit without a prior notice but with a discounted interest rate. However, you may obtain a loan against your FD.

Any person over the age of 60 years with the NIC/ DL can open a senior citizen fixed deposit at Janashakthi Finance.

Yes, interest can be paid monthly or at maturity

The account will be renewed automatically unless the customer request to deposit the amount to a different plan or withdraw.

You may withdraw the deposit by surrendering the FD certificate with a request letter to withdraw the deposit at maturity.

Yes. You may apply for a loan against your deposit ranging from 70% to 90% of the capital value.

- FD certificate
- Loan application form

Rs. 172,000.00

NIC/ DL/ Passport copies

Our interest rates are starting from 0.75% and vary according to the period.

You may settle the contract and get the articles on the same day over the counter.

We have 37 branches around the island at main cities.

No need of a guarantor to obtain Gold loans.

Please contact us through 011 757 7577 if you need more clarifications on this.

Islamic finance is a system of financial services and products that adhere to Islamic principles, promoting ethical and socially responsible financial practices.

Islamic finance is guided by principles such as the prohibition of interest, risk-sharing, asset-backed financing, avoidance of uncertainty and speculation, and the avoidance of investments in unethical activities.

Islamic finance operates without interest, encourages risk-sharing, and involves transactions backed by tangible assets, ensuring alignment with Shariah principles.

Ijarah is similar to leasing, where a lessor owns an asset and leases it to a lessee for a specified period. However, Ijarah adheres to Shariah principles, emphasizing fairness and ethical conduct.

Yes, conventional finance companies establish Islamic finance windows or subsidiaries to provide Shariah-compliant financial services alongside their conventional offerings.

Any person over the age of 18 years or an organization wanting to acquire a three-wheel, with the capability to repay is eligible to apply for a lease.

- Fast service
- Minimum documentation
- Suitable/affordable monthly installment

- Bajaj
- Piagio

Yes, you can.

5 years.

Yes. You can always fully settle the contract by paying the outstanding.

- NIC copies of applicant and guarantors
- Income proof documents
- Address proof documents
- Invoice from the person selling the vehicle/equipment

Down payment is variable according to the market value.

The lease facility could be offered within 2 working days if the required documents are submitted to Janashakthi Finance on time.

The vehicle should be fully insured during the leasing period. Customer can select a preferred service provider.

Call our hotline 011 757 7577 or 0763205005

Any person over the age of 18 years or an organization wanting to acquire an asset, with the capability to repay is eligible to apply for a lease.

- Fast service
- Minimum documentation
- Suitable/affordable monthly installments

- Car
- Van
- Bus
- Lorry
- Three-wheel

Yes, you can.

6 years

Yes. You can always fully settle the contract by paying the outstanding.

- NIC copies of applicant and guarantors
- Income proof documents
- Address proof documents
- Invoice from the person selling the vehicle/equipment

Down payment is variable.

The lease facility could be offered within 2 working days if the required documents are submitted to Janashakthi Finance on time.

The vehicle should be fully insured during the leasing period. Customer can select a preferred service provider.

Call our hotline 011 757 7577