Money & Finance

Sri Lanka Vehicle Leasing Calculator

Check CBSL 2026 vehicle-finance caps, estimate flat or reducing lease repayments and effective borrowing costs, and compare sourced lender rate indications.

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Sri Lankan vehicle finance • planning tools

Know the real cost before signing

Check the current CBSL financing cap, compare published lender indications and test your written quotation — without sending your details anywhere.

Vehicle & financing

Vehicle category

Registration age in Sri Lanka

Vehicle purchase price (LKR) *

Value accepted by the lender (LKR) *CBSL cap uses lender-accepted value; may differ from the advertised price.

Down payment (LKR) *

Term (whole months) *

2026 CBSL maximum financeMax LTV: 40%

2026 CBSL maximum financeLKR 4,000,000

Minimum equity (before fees)LKR 6,000,000

Additional upfront cash neededLKR 0

Requested finance within the indicative cap

CBSL Direction No. 01 of 2026, effective 25 May 2026. LC transitional provisions and lender-specific conditions can change eligibility. Open official source

Payment & interest

Interest model

Quoted nominal annual interest (%) *

Final balloon/residual (LKR) *

Upfront processing fees (LKR) *

Use the exact interest METHOD and rate stated in your written quote. A flat percentage and a reducing-balance percentage cannot be compared directly.

Lease payment estimate

Estimated monthly rentalLKR 95,159.72

Financed principalLKR 4,000,000

Total interestLKR 1,709,583.26

Final balloon paymentLKR 0

Total including deposit, interest and feesLKR 11,709,583.26

Estimated annual effective borrowing cost16.08%

Rate explorer

Public institution rates, not personal offers

2026-10-18

Your entered rate: 15% — Reducing balance (nominal monthly rate)

Published rates last verified against sources: 2026-10-18. Rates are published indications, not live offers. Updates are published only after a verified source change. Rate methodology not confirmed in public table

Commercial BankStandard

15.50%

p.a. published figure2026-06-05

Indicative rate: this bank tier requires eligibility confirmation.

Illustrative monthly: LKR 96,212.76Annual-rate illustration, NOT a lender rental quote; calculation assumes the reducing-balance model, which the bank may not use.

Open official source ↗

Commercial BankPremium

15.00%

p.a. published figure2026-06-05

Indicative rate: this bank tier requires eligibility confirmation.

Illustrative monthly: LKR 95,159.72Annual-rate illustration, NOT a lender rental quote; calculation assumes the reducing-balance model, which the bank may not use.

Open official source ↗

Commercial BankPlatinum

14.50%

p.a. published figure2026-06-05

Indicative rate: this bank tier requires eligibility confirmation.

Illustrative monthly: LKR 94,113.12Annual-rate illustration, NOT a lender rental quote; calculation assumes the reducing-balance model, which the bank may not use.

Open official source ↗

DFCC BankPublished range

13.25–15.50%

p.a. published range

Only a published range, not a personal or term-specific quote.

Only a published range — request a written quote.Open official source ↗

What should you compare?

Request written total repayments, fees, insurance terms, flat/reducing basis, early-settlement method, balloon and first-rental timing. Rates are customer-specific.

Affordability & actual costs

Annual vehicle insurance (LKR)

Fuel / repairs / running costs per month (LKR)

Monthly take-home income (optional, LKR)

Other monthly debt payments (LKR)

Monthly outgo incl. lease, insurance & runningLKR 95,159.72

Estimated all-in ownership spending over lease termLKR 11,709,583.26

Share of take-home income (incl. other debts)—

Income remaining after modelled commitments—

This cash-flow breakdown is not a bank approval test. The figures exclude unexpected costs, depreciation and changes to variable expenses.

See month-by-month repayments

Month	Opening	Interest	Principal	Installment	Closing after payments
1	4,000,000	50,000	45,159.72	95,159.72	3,954,840.28
2	3,954,840.28	49,435.5	45,724.22	95,159.72	3,909,116.06
3	3,909,116.06	48,863.95	46,295.77	95,159.72	3,862,820.29
4	3,862,820.29	48,285.25	46,874.47	95,159.72	3,815,945.82
5	3,815,945.82	47,699.32	47,460.4	95,159.72	3,768,485.42
6	3,768,485.42	47,106.07	48,053.65	95,159.72	3,720,431.77
7	3,720,431.77	46,505.4	48,654.32	95,159.72	3,671,777.45
8	3,671,777.45	45,897.22	49,262.5	95,159.72	3,622,514.95
9	3,622,514.95	45,281.44	49,878.28	95,159.72	3,572,636.67
10	3,572,636.67	44,657.96	50,501.76	95,159.72	3,522,134.91
11	3,522,134.91	44,026.69	51,133.03	95,159.72	3,471,001.88
12	3,471,001.88	43,387.52	51,772.2	95,159.72	3,419,229.68
13	3,419,229.68	42,740.37	52,419.35	95,159.72	3,366,810.33
14	3,366,810.33	42,085.13	53,074.59	95,159.72	3,313,735.74
15	3,313,735.74	41,421.7	53,738.02	95,159.72	3,259,997.72
16	3,259,997.72	40,749.97	54,409.75	95,159.72	3,205,587.97
17	3,205,587.97	40,069.85	55,089.87	95,159.72	3,150,498.1
18	3,150,498.1	39,381.23	55,778.49	95,159.72	3,094,719.61
19	3,094,719.61	38,684	56,475.72	95,159.72	3,038,243.89
20	3,038,243.89	37,978.05	57,181.67	95,159.72	2,981,062.22
21	2,981,062.22	37,263.28	57,896.44	95,159.72	2,923,165.78
22	2,923,165.78	36,539.57	58,620.15	95,159.72	2,864,545.63
23	2,864,545.63	35,806.82	59,352.9	95,159.72	2,805,192.73
24	2,805,192.73	35,064.91	60,094.81	95,159.72	2,745,097.92
25	2,745,097.92	34,313.72	60,846	95,159.72	2,684,251.92
26	2,684,251.92	33,553.15	61,606.57	95,159.72	2,622,645.35
27	2,622,645.35	32,783.07	62,376.65	95,159.72	2,560,268.7
28	2,560,268.7	32,003.36	63,156.36	95,159.72	2,497,112.34
29	2,497,112.34	31,213.9	63,945.82	95,159.72	2,433,166.52
30	2,433,166.52	30,414.58	64,745.14	95,159.72	2,368,421.38
31	2,368,421.38	29,605.27	65,554.45	95,159.72	2,302,866.93
32	2,302,866.93	28,785.84	66,373.88	95,159.72	2,236,493.05
33	2,236,493.05	27,956.16	67,203.56	95,159.72	2,169,289.49
34	2,169,289.49	27,116.12	68,043.6	95,159.72	2,101,245.89
35	2,101,245.89	26,265.57	68,894.15	95,159.72	2,032,351.74
36	2,032,351.74	25,404.4	69,755.32	95,159.72	1,962,596.42
37	1,962,596.42	24,532.46	70,627.26	95,159.72	1,891,969.16
38	1,891,969.16	23,649.61	71,510.11	95,159.72	1,820,459.05
39	1,820,459.05	22,755.74	72,403.98	95,159.72	1,748,055.07
40	1,748,055.07	21,850.69	73,309.03	95,159.72	1,674,746.04
41	1,674,746.04	20,934.33	74,225.39	95,159.72	1,600,520.65
42	1,600,520.65	20,006.51	75,153.21	95,159.72	1,525,367.44
43	1,525,367.44	19,067.09	76,092.63	95,159.72	1,449,274.81
44	1,449,274.81	18,115.94	77,043.78	95,159.72	1,372,231.03
45	1,372,231.03	17,152.89	78,006.83	95,159.72	1,294,224.2
46	1,294,224.2	16,177.8	78,981.92	95,159.72	1,215,242.28
47	1,215,242.28	15,190.53	79,969.19	95,159.72	1,135,273.09
48	1,135,273.09	14,190.91	80,968.81	95,159.72	1,054,304.28
49	1,054,304.28	13,178.8	81,980.92	95,159.72	972,323.36
50	972,323.36	12,154.04	83,005.68	95,159.72	889,317.68
51	889,317.68	11,116.47	84,043.25	95,159.72	805,274.43
52	805,274.43	10,065.93	85,093.79	95,159.72	720,180.64
53	720,180.64	9,002.26	86,157.46	95,159.72	634,023.18
54	634,023.18	7,925.29	87,234.43	95,159.72	546,788.75
55	546,788.75	6,834.86	88,324.86	95,159.72	458,463.89
56	458,463.89	5,730.8	89,428.92	95,159.72	369,034.97
57	369,034.97	4,612.94	90,546.78	95,159.72	278,488.19
58	278,488.19	3,481.1	91,678.62	95,159.72	186,809.57
59	186,809.57	2,335.12	92,824.6	95,159.72	93,984.97
60	93,984.97	1,174.81	93,984.97	95,159.78	0

Loading…

Month

Opening

Interest

Principal

Installment

Final balloon payment

Closing after payments

4,000,000

50,000

45,159.72

95,159.72

3,954,840.28

49,435.5

45,724.22

95,159.72

3,909,116.06

48,863.95

46,295.77

95,159.72

3,862,820.29

48,285.25

46,874.47

95,159.72

3,815,945.82

47,699.32

47,460.4

95,159.72

3,768,485.42

47,106.07

48,053.65

95,159.72

3,720,431.77

46,505.4

48,654.32

95,159.72

3,671,777.45

45,897.22

49,262.5

95,159.72

3,622,514.95

45,281.44

49,878.28

95,159.72

3,572,636.67

44,657.96

50,501.76

95,159.72

3,522,134.91

44,026.69

51,133.03

95,159.72

3,471,001.88

43,387.52

51,772.2

95,159.72

3,419,229.68

42,740.37

52,419.35

95,159.72

3,366,810.33

42,085.13

53,074.59

95,159.72

3,313,735.74

41,421.7

53,738.02

95,159.72

3,259,997.72

40,749.97

54,409.75

95,159.72

3,205,587.97

40,069.85

55,089.87

95,159.72

3,150,498.1

39,381.23

55,778.49

95,159.72

3,094,719.61

38,684

56,475.72

95,159.72

3,038,243.89

37,978.05

57,181.67

95,159.72

2,981,062.22

37,263.28

57,896.44

95,159.72

2,923,165.78

36,539.57

58,620.15

95,159.72

2,864,545.63

35,806.82

59,352.9

95,159.72

2,805,192.73

35,064.91

60,094.81

95,159.72

2,745,097.92

34,313.72

60,846

95,159.72

2,684,251.92

33,553.15

61,606.57

95,159.72

2,622,645.35

32,783.07

62,376.65

95,159.72

2,560,268.7

32,003.36

63,156.36

95,159.72

2,497,112.34

31,213.9

63,945.82

95,159.72

2,433,166.52

30,414.58

64,745.14

95,159.72

2,368,421.38

29,605.27

65,554.45

95,159.72

2,302,866.93

28,785.84

66,373.88

95,159.72

2,236,493.05

27,956.16

67,203.56

95,159.72

2,169,289.49

27,116.12

68,043.6

95,159.72

2,101,245.89

26,265.57

68,894.15

95,159.72

2,032,351.74

25,404.4

69,755.32

95,159.72

1,962,596.42

24,532.46

70,627.26

95,159.72

1,891,969.16

23,649.61

71,510.11

95,159.72

1,820,459.05

22,755.74

72,403.98

95,159.72

1,748,055.07

21,850.69

73,309.03

95,159.72

1,674,746.04

20,934.33

74,225.39

95,159.72

1,600,520.65

20,006.51

75,153.21

95,159.72

1,525,367.44

19,067.09

76,092.63

95,159.72

1,449,274.81

18,115.94

77,043.78

95,159.72

1,372,231.03

17,152.89

78,006.83

95,159.72

1,294,224.2

16,177.8

78,981.92

95,159.72

1,215,242.28

15,190.53

79,969.19

95,159.72

1,135,273.09

14,190.91

80,968.81

95,159.72

1,054,304.28

13,178.8

81,980.92

95,159.72

972,323.36

12,154.04

83,005.68

95,159.72

889,317.68

11,116.47

84,043.25

95,159.72

805,274.43

10,065.93

85,093.79

95,159.72

720,180.64

9,002.26

86,157.46

95,159.72

634,023.18

7,925.29

87,234.43

95,159.72

546,788.75

6,834.86

88,324.86

95,159.72

458,463.89

5,730.8

89,428.92

95,159.72

369,034.97

4,612.94

90,546.78

95,159.72

278,488.19

3,481.1

91,678.62

95,159.72

186,809.57

2,335.12

92,824.6

95,159.72

93,984.97

1,174.81

93,984.97

95,159.78