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What Exactly Is a Treasury Bill?

Offered by the Central Bank of Sri Lanka to raise money for government operations, they’re similar to traditional deposits and will pay your interest at maturity.

A Flexible Investment

A Treasury Bill is a short-term debt instrument issued by the Central Bank of Sri Lanka with a range of maturity periods including 3, 6, and 12-month options

Treasury Bills VS Fixed Deposits – Learn more

Competitive Interest Rates

They carry competitive rates interest rates compared to traditional deposits, advantage being Treasuries being near a zero risk government issued instrument issued directly by the Central Bank of Sri Lanka.

View our latest rates here

Straightforward Returns

Similar to a traditional deposit, you will receive both the interest payment and the investment value at maturity.

Use our Return Calculator to calculate your potential return

Minimum Deposit Amount

There is often a minimum investment requirement to start investing in Treasury Bills, which varies depending on the primary dealer. Our minimum investment for Treasuries is Rs 500,000 using bank transfer, and even lower at Rs 40,000 for direct debit transfers (using Justpay)

See how treasuries are taxed

Want to Know More? Get Expert Treasury Bill Insights.

‘Treasury Bills are an attractive investment option today and it’s quite simple to get started as they work very similar to traditional deposits’, says VP of CAL Treasury Damien Rayen. Here, we share his insights on this in-demand product.

How Has CAL Opened Access to Treasury Bills for All Sri Lankans?
Open a Treasury Bill account with us digitally without any costs attached and get started with a minimum investment value of just LKR 1 Million!

Why Invest in Treasury Bills?

Great question! Treasury Bills offer a range of benefits similar to alternatives such as traditional deposits that make them attractive.

Equal or higher interest than similar products like traditional deposits
Diversification of investment portfolio into a larger asset class
Choice available through treasury bills with maturity periods of 3, 6 or 12 months
Ease of investing due to introduction of digital investing options

Why Invest Now?

Learn why many Sri Lankans are moving towards Treasury Bills and investing in them as we speak.

Treasury Bills compared to Fixed Deposits -Learn more

Competitive interest rates locally from a near zero risk government issued instrument

Lower minimum investment requirements than before

Strong market with 25% growth in transactions over 6 years*

*Growth in outright secondary market transactions

Why Choose CAL to Grow Your Wealth?

We’re a top-rated, licensed Primary Dealer offering some of the most competitive Treasury Bill interest rates in Sri Lanka and stellar service.

Some of the most attractive interest rates on Treasury Bills island wide

Considerably low service fees but renowned superior service

Minimum investment value of just LKR 500,000 (or 50,000 with direct debit via JustPay) for Treasury Bills

No charge or fees to open your Treasury Bill account

Full self-service through online sign-up and digital investing

Did You Know?

CAL’s Superior Standing as a Top-Rated Investment Bank Ensures the Safety of Your Investment

A CBSL & Government Authorized Primary Dealer of Treasury Bills

22+ Years in Operation as One of the Island’s Highest-Rated Investment Banks

Sri Lanka's only digital platform to invest in Treasury Bills and Bonds

A CBSL & Government Authorized Primary Dealer of Treasury Bills

22+ Years in Operation as One of the Island’s Highest-Rated Investment Banks

Sri Lanka's only digital platform to invest in Treasury Bills and Bonds

Frequently Asked Questions

  • A government security is a debt instrument issued on behalf of the Government of Sri Lanka with a promise of repayment upon maturity.

  • Treasury Bills and Treasury bonds.

  • No

  • CAL is a primary dealer in government securities. A primary dealer is a firm that buys government securities directly from the government and resells them to other investors, thus acting as an agent for government securities dealing.
  • The investment raised through treasury bill and bonds goes directly to the government of Sri Lanka. The investors lend money to the government and not to CAL. CAL just acts as an agent

  • Treasury bill is a short-term debt instrument issued with maturities of 91 Days, 182 Days and 364 Days by the Government of Sri Lanka
  • Treasury bills are issued on a discount and pay principal at maturity.
READ ALL FAQs
Treasury AI Assistant

Are You OK to Miss Out
on Record-High Interest Rates?

No? Then sign up for the CAL Digital Investing portal and register to invest in Treasury Bills, completely online. Sign up now and enjoy some of the best Treasury Bill rates in town!

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