Short answer: among major Sri Lankan banks the lowest advertised personal-loan rates (fixed or special‑product rates) at this time are about 11.5%–12% p.a. — for example Commercial Bank’s “Premium” personal‑loan slabs show 11.5% p.a. for short tenors, and several banks (NSB, Sampath, DFCC) advertise personal‑loan offers around 11.5%–13.5% depending on product and eligibility. (combank.lk)

Context and important notes

• Rates vary by product, tenure, customer segment (salary‑account/“premium” customers, professionals), whether the rate is fixed or floating, and your credit/salary evidence. The rates above are the lowest advertised ranges for specific products — many standard personal loans are higher. (combank.lk)
• Some banks quote variable rates as AWPLR + margin (e.g., DFCC shows personal loans at AWPLR + 3% to +4.5%); the effective rate depends on the current AWPLR. (uat1.dfcc.lk)
• Central bank policy moves can change bank lending rates; the CBSL cut and thereafter held rates in 2025, so published bank rates have been moving this year. Always confirm the bank’s current published rate before applying. (reuters.com)

If you want, I can:

• Compare interest + fees (processing, early‑settlement penalties) for 3–5 specific banks for a loan amount/tenor you plan to take, or
• Pull the latest live rate pages from banks you name and produce a short ranked list (I’ll fetch current pages and cite them).