The State Mortgage and Investment Bank (SMIB) is one of the most established
financial institutions in Sri Lanka.

 Monday – Friday : 8:30am – 3:30pm 



 සිං  |  தமி

Take the first step towards financial independence with the SMIB Apoorva Ladies Account. A dedicated savings account designed exclusively for women offering unique benefits for you.

Features and Benefits

  • A Special Interest Rate of 6% p.a.
  • Special rates on loan facilities by SMIB.
  • The minimum deposit required to open the account is LKR 1,000.
  • Greater flexibility to withdraw any number of times without any interest penalties
  • Standing Order facility


  • Sri Lankan women over the age of 18 years.

What do I need to apply?

  • A duly completed application form.
  • Initial deposit of Rs.1000.
  • Proof of identity – National Identity Card / Passport / Driving License.
  • Copy of a recent utility bill/bank statement to establish residential address

Conditions apply
For more information, visit our nearest SMIB Branch or Contact Us via our Call Centre at (Phone icon) 1922

Terms & Conditions

  • The interest rates offered on accounts are subject to change based on prevailing market conditions. The bank reserves the right to adjust these rates accordingly without prior notice.
  • A deduction of LKR 25 will apply to accounts maintaining a balance below LKR 500. This fee will be charged monthly to the respective accounts falling below the minimum balance requirement.
  • An account holder must maintain a minimum balance of LKR 1,000 to be eligible for accruing interest income. Failure to maintain this minimum balance may result in the account not qualifying for interest earnings for that period.
  • Interest is calculated based on the daily account balance and credited to the monthly account. The interest rate applied will be following the bank’s prevailing rates.
  • Account holders enjoy greater flexibility as there are no penalties or reductions in interest for making any number of withdrawals within a specified period. This allows you to access your funds as needed without impacting the interest earned.
  • A passbook will be issued.
  • Normal savings-related fees/ charges will be applicable.

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