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Effective Date: March 27, 2025
Build-Up Deposit Schemes
| Product Tenure | Basic DPS | Premium DPS | Any Time Any Deposit | Reference Rate (Tenure Based Average Rate) |
|---|---|---|---|---|
| 12 Months | - | - | 10.15% | 10.56% |
| 24 Months | 9.55% | 9.60% | - | Not Available |
| 36 Months | 9.75% | 9.80% | - | 9.73% |
| 48 Months | 9.85% | 9.90% | - | Not Available |
| 60 Months | 10.05% | 10.10% | - | 9.83% |
| 72 Months | 10.15% | 10.20% | - | Not Available |
| 84 Months | 10.25% | 10.30% | - | Not Available |
| 96 Months | 10.35% | 10.40% | - | 10.56% |
| 108 Months | 10.45% | 10.50% | - | Not Available |
| 120 Months | 10.55% | 10.60% | - | 10.66% |
| 132 Months | 10.60% | 10.65% | - | Not Available |
| Months | % | % | % | % |
| 144 Months | 10.65% | 10.70% | - | 10.71% |
| 156 Months | 10.70% | 10.75% | - | Not Available |
| 168 Months | 10.75% | 10.80% | - | Not Available |
| 180 Months | 10.80% | 10.85% | - | 10.76% |
Insured Deposit Schemes
| Product Tenure | Insured Deposit Scheme(IDS) | Insured Easy Millionaire Scheme (IEMS) | Insured Millionaire Plus Scheme (IMPS) | Insured Education Support Scheme (IESS) |
|---|---|---|---|---|
| 24 Months | 9.55% | - | - | 9.55% |
| 36 Months | 9.75% | 9.75% | 9.80% | 9.75% |
| 48 Months | 9.85% | 9.85% | 9.90% | 9.85% |
| 60 Months | 10.05% | 10.05% | 10.10% | 10.05% |
| 72 Months | - | 10.15% | 10.20% | - |
| 84 Months | - | 10.25% | 10.30% | - |
| 96 Months | - | 10.35% | - | - |
| 108 Months | - | 10.45% | - | - |
| 120 Months | - | 10.55% | - | - |
| 135 Months | - | 10.60% | - | - |
Premium rates for Build-Up Schemes shall be applied based on the total initial deposit (First Installment + Down Payment) as per the following categories.
Initial Deposit from 0.1 to 1 Million: Card Rate+0.05% Initial Deposit above 1 Million to 10 Million: Card Rate+0.25% Initial Deposit above 10 Million: Card Rate+0.35% Profit generated from the deposit shall be subject to applicable taxes, duties, and levies as per prevailing laws and regulations Encashment of any deposit is not permitted before three months, as per the applicable regulations of the Central Bank. Legacy rates shall apply only for managing freezed or inactive existing deposits (For cases where the account is reactivated In the event of premature encashment, the applicable rate shall be as per the prevailing premature encashment rate.Effective Date: March 27, 2025
Term Deposit Scheme
| Product Tenure | Applicable Rate for Institutions | Applicable Rate for Individual and Fund | Reference Rate (With Matched Q Series) for Institutions | Reference Rate (With Matched Q Series) for Individual and Fund |
|---|---|---|---|---|
| 3 to 5 Months | 9.50% | 9.50% | 9.50% | 9.50% |
| 6 to 8 Months | 9.75% | 9.75% | 9.75% | 9.75% |
| 9 to 11 Months | 9.75% | 9.75% | 9.75% | 9.75% |
| 12 to 14 Months | 10.00% | 10.00% | 10.00% | 10.00% |
| 15 to 17 Months | 10.50% | 10.50% | 10.50% | 10.50% |
| 18 to 20 Months | 10.50% | 10.50% | 10.50% | 10.50% |
| 21 to 23 Months | 10.50% | 10.50% | 10.50% | 10.50% |
| 24 to 26 Months | 10.50% | 10.50% | 10.50% | 10.50% |
| 27 to 29 Months | 10.50% | 10.50% | 10.50% | 10.50% |
| 30 Months | 10.50% | 10.50% | 10.50% | 10.50% |
Day Wise Deposit Scheme
| Product Tenure | Applicable Rate for Institutions | Applicable Rate for Individual and Fund | Reference Rate (With Matched Q Series) for Institutions | Reference Rate (With Matched Q Series) for Individual and Fund |
|---|---|---|---|---|
| 90 Days | 9.50% | 9.50% | 9.50% | 9.50% |
| 120 Days | 9.75% | 9.75% | 9.75% | 9.75% |
| 180 Days | 9.75% | 9.75% | 9.75% | 9.75% |
| 360 Days | 10.00% | 10.00% | 10.00% | 10.00% |
Earner Deposit Scheme (Monthly/Quarterly)
| Product Tenure | Applicable Rate for Institutions | Applicable Rate for Individual and Fund | Reference Rate for Institutions | Reference Rate for Individual and Fund |
|---|---|---|---|---|
| 1 Year | 10.00% | 10.00% | 10.00% | 10.00% |
| 2 to 5 Years | 10.50% | 10.50% | 10.50% | 10.50% |
Double Money Deposit
| Product Tenure | Applicable Rate for Institutions | Applicable Rate for Individual and Fund |
|---|---|---|
| 7 Year 6 Months | 9.75% | 9.75% |
Special Deposit Products
| Product Name | Applicable Rate for Institutions | Applicable Rate for Individual and Fund | Reference Rate for Institutions | Reference Rate for Individual and Fund |
|---|---|---|---|---|
| Supplementary Loan Deposit (SLD) | 5.75% | 5.75% | 5.75% | 5.75% |
Rate for Legacy Products/Schemes
| Product Name | Applicable Rate for Institutions | Applicable Rate for Individual and Fund |
|---|---|---|
| Q1 | 9.50% | 9.50% |
| Q2 | 9.75% | 9.75% |
| Q3 | 9.75% | 9.75% |
| Q4 | 10.00% | 10.00% |
| Q5 | 10.50% | 10.50% |
| Q6 | 10.50% | 10.50% |
| Q7 | 10.50% | 10.50% |
| Q8 | 10.50% | 10.50% |
| Q9 | 10.50% | 10.50% |
| Q10 | 10.50% | 10.50% |
| Flexi Term Deposit | Calculation shall be based on the Q-Series Base Rate, subject to the applicable tenure. | |
| Supplementary Interest Deposit | 5.75% | 5.75% |
Premium rate (Card Rate+0.25%) applicable (Up to Product Tenure of 18 Months) in case the depositors falls in one of the below categories:
Senior Citizens (Individual aged 57+) Woman Depositors (For Joint Deposit all Applicant must be Woman) Fund (i.e. Recognized Provident Fund, Gratuity Fund, Superannuation Fund, Workers Profit Participation Fund, Welfare Fund and Trust FundPremium rate (Card Rate+0.25%) applicable (Up to Product Tenure of 18 Months) in case the depositors falls in one of the below categories:
Senior Citizens (Individual aged 57+) Woman Depositors (For Joint Deposit all Applicant must be Woman) Fund (i.e. Recognized Provident Fund, Gratuity Fund, Superannuation Fund, Workers Profit Participation Fund, Welfare Fund and Trust FundCalculate your returns and plan your investments
Principal Amount: ৳100,000
Interest Earned: ৳11,000
Tenure: 12 months
Interest Rate: 11.00%
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