Getting Started with
Treasuries

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Step 1

Open Your CAL Online Account

Apply in minutes with our simple online registration process

Download the CAL Online app from the Apple App Store or Google Play , or visit portal.cal.lk .

Select Sign Up to begin creating your CAL Online account.

Register using your NIC, mobile number, and email address.

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Step 2

Sign Up for Your Treasuries Account

Getting Started

Go to your Dashboard and view the Treasuries widget.

Click "Sign Up" and complete the Treasuries application form.

Submit your application for review and approval.

Processing Time: It should take between 3-5 working days. However, during periods of high volume it may take longer.
Step 1

Open Your CAL Online Account

Apply in minutes with our simple online registration process

Desktop screen
Mobile screen

Download the CAL Online app from the Apple App Store or Google Play , or visit portal.cal.lk .

Select Sign Up to begin creating your CAL Online account.

Register using your NIC, mobile number, and email address.

Step 2

Sign Up for Your Equity Account

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Mobile screen

Getting Started

Go to your Dashboard and view the Equity widget.

Click "Sign Up" and complete the Unit Trust application form.

Submit your application for review and approval.

Processing Time: It should take between 3-5 working days. However, during periods of high volume it may take longer.
Step 3

Access Your Trading Platform

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Once Your Application Is Approved

Receive your trading credentials via email.

Download the ATRAD mobile app or access it through desktop.

Sign in using your assigned username and password.

login to ATrad
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Step 4

Choose your investment

1

Log in to the CAL Online Portal or CAL Mobile App.

2

Click Buy Gov Securities.

3

Browse the available Treasury Bills and Treasury Bonds, then select the security you wish to invest in.

4

Enter your investment amount and proceed to complete your investment.

Step 4

Fund Your Account (Pay In)

Bank Transfer and Raise Request

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Transfer Details:

Bank: Seylan Bank

Branch: Millennium Branch

Account Name: Capital Alliance Securities (Pvt) Ltd

Account Number: 086400041489001

1

Transfer funds from your registered bank account

2

Log in to CAL Online mobile or web app

3

Go to Equities → Pay In

4

Submit your Pay in Request

Processing Time: Instant Buying Power

Transfer and Create- For Direct Investment with (JustPay)

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Use CAL Online to transfer funds directly from your bank account.

No banking app required.

Fund your investment in one seamless step.

No proof upload needed.

Up to LKR 150,000 per transaction (repeatable).

1

Log in to CAL Online mobile or web app

2

Go to Pay In → Select your preferred payment method

3

Transfer funds from your linked bank account

4

No payment proof is required

5

Up to LKR 150,000 per transaction (multiple transactions allowed)

Processing Time: Instant Buying Power
Step 5

Find Your First Stock

Bank Transfer and Raise Request

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Not sure where to start? Find stocks suited to your investing style with our Investor Hero Quiz and discover opportunities in today's market.

Practice Before You Invest – Build confidence before investing real money. Use VStock, our virtual trading simulator, to practice buying and selling shares using live market prices, without any financial risk.

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Step 5

Complete your payment

Option 1: Bank Transfer

Minimum Investment: Rs. 500,000

Account Name: Capital Alliance Ltd

Bank: Seylan Bank – Millennium Branch

Account Number: 0864-00040312-003

1

Transfer the displayed amount from your CAL-registered bank account to the bank account shown above.

2

Return to the CAL Online Portal or CAL Mobile App and submit your investment request.

Important: You have 30 minutes to complete the transfer and submit your investment request to secure the displayed rate.
Please note: Minimum investment: Rs. 500,000.
The transfer must be made from your CAL-registered bank account.
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Option 2: Instant Bank Transfer (JustPay)

For investments between Rs. 40,000 and Rs. 149,940, select Settle via Instant Bank Transfer and confirm the payment.

Your bank account will be debited automatically, and your investment request will be submitted in one step.

Please note: Minimum investment: Rs. 40,000.
Maximum investment: Rs. 149,940.
Processing Time: Whether you invest via Bank Transfer or Instant Bank Transfer (JustPay), your investment request will typically be processed within 2–3 working days.
Step 6

Insight at Your Fingertips

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Access CAL’s market research, insights, and tools. Everything you need to move from market information to investment decisions.

AnalytiCAL – Research, valuations, market data, and stock metrics.

Research Reports – Expert market and company analysis.

WhatsApp Updates – Timely market insights delivered to you.

VStock Simulator – Practice trading with live market prices.

Market Alerts – Never miss important market movements.

Personalised Price Alerts – Track stocks with custom price notifications.

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Step 8

Track Your Portfolio

Stay up to date with your Treasury Bill and Treasury Bond investments through the CAL Online Portal or CAL Mobile App.

With your portfolio, you can:

View your current Treasury Bill and Treasury Bond holdings.

Track maturity dates and monitor upcoming maturities.

View the status and value of your investments.

Reinvest your funds into a new Treasury Bill or Treasury Bond when your investment matures.

Access your investment history anytime.

Step 7

Place Your First Trade

Once your account is funded:

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1

Log in to ATRAD

2

Search for your preferred share

3

Enter your order

4

Review and submit your trade

Step 8

Track Your Portfolio

Monitor your investments anytime through CAL Online.

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Portfolio performance and investment value.

Holdings across all asset classes in one place.

Investment analytics and insights.

Market research and reports.

Transaction history.

Real-time portfolio updates.

Step 9

Withdraw Funds (Pay Out)

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1

Log in to CAL Online

2

Navigate to Equities → Pay Out

3

Enter the withdrawal amount

4

Submit your request

Processing Time: 1 working day

Need More Help?

Have questions about any of the steps above? Chat with the CAL UT Chatbot for instant answers, detailed guidance, and Unit Trust support.