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Effective Date: December 22, 2025
Build-Up Deposit Schemes
DPS
| Product Tenure | Interest Rate |
|---|---|
| 24 Months | 9.30% |
| 36 Months | 9.50% |
| 48 Months | 9.60% |
| 60 Months | 9.80% |
| 72 Months | 9.90% |
| 84 Months | 10.00% |
| 96 Months | 10.10% |
| 108 Months | 10.20% |
| 120 Months | 10.30% |
| 132 Months | 10.35% |
| 144 Months | 10.40% |
| 156 Months | 10.45% |
| 168 Months | 10.50% |
| 180 Months | 10.55% |
Any Time Any Deposit
| Product Tenure | Interest Rate |
|---|---|
| 12 Months | 9.90% |
Insured Deposit Schemes (IDS)
| Product Tenure | Interest Rate |
|---|---|
| 24 Months | 9.30% |
| 36 Months | 9.50% |
| 48 Months | 9.60% |
| 60 Months | 9.80% |
Insured Easy Millionaire Scheme (IEMS)
| Product Tenure | Interest Rate |
|---|---|
| 36 Months | 9.50% |
| 48 Months | 9.60% |
| 60 Months | 9.80% |
| 72 Months | 9.90% |
| 84 Months | 10.00% |
| 96 Months | 10.10% |
| 108 Months | 10.20% |
| 120 Months | 10.30% |
| 135 Months | 10.35% |
Insured Millionaire Plus Scheme (IMPS)
| Product Tenure | Interest Rate |
|---|---|
| 36 Months | 9.55% |
| 48 Months | 9.65% |
| 60 Months | 9.85% |
| 72 Months | 9.95% |
| 84 Months | 10.05% |
Insured Education Support Scheme (IESS)
| Product Tenure | Interest Rate |
|---|---|
| 24 Months | 9.30% |
| 36 Months | 9.50% |
| 48 Months | 9.60% |
| 60 Months | 9.80% |
Rate for Legacy Products/Schemes
| Product Name | Interest Rate (Up to 24 Months) | Interest Rate (Above 24 Months) |
|---|---|---|
| Quick Shanchoy (QS) | 9.85% | - |
| Quick Shanchoy Plus (QSP) | 9.90% | - |
| Shanchoy Scheme (SS) | 9.30% | 9.60% |
| Shanchoy Plus Scheme (SPS) | 9.30% | 9.60% |
| Easy Millionaire Scheme (EMS) | - | 9.95% |
| Millionaire Plus Scheme (MPS) | - | 9.95% |
| Samriddhi Scheme | 9.30% | 9.60% |
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.Premature Encashment Rates (Summary)
Term & Lease Deposit Products
| Period | Interest Rate |
|---|---|
| Within First 3 Months | 2.00% |
| 3–6 Months | 2.00% |
| 6–12 Months | 2.00% |
| After 12 Months (Before Maturity) | 2.00% |
For the purpose of calculating interest in the event of premature encashment, the most recent renewal date shall be considered as the effective start date. In accordance with Bangladesh Bank regulations, no deposit account may be encashed within the first three (3) months of its initial opening; however, encashment is permitted within three (3) months following the first or any subsequent renewal, subject to the applicable interest rate. For Double Money Deposit schemes, no interest shall be payable if the account is encashed within twelve (12) months from the date of opening.Effective Date: December 22, 2025
Term Deposit Scheme
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 3 to 5 Months | 9.25% |
| 6 to 8 Months | 9.50% |
| 9 to 11 Months | 9.50% |
| 12 to 14 Months | 9.75% |
| 15 to 17 Months | 10.25% |
| 18 to 20 Months | 10.25% |
| 21 to 23 Months | 10.25% |
| 24 to 26 Months | 10.25% |
| 27 to 29 Months | 10.25% |
| 30 Months | 10.25% |
Day Wise Deposit Scheme
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 90 Days | 9.25% |
| 120 Days | 9.50% |
| 180 Days | 9.50% |
| 360 Days | 9.75% |
Earner Deposit Scheme (Monthly/Quarterly)
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 1 Year | 9.75% |
| 2 to 5 Years | 10.25% |
Double Money Deposit
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 7 Year 6 Months | 9.75% |
Special Deposit Products
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| Supplementary Loan Deposit (SLD) | 5.75% |
Lease Rental Deposit Scheme: Fixed Term
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 3 to 5 Months | 9.25% |
| 6 to 8 Months | 9.50% |
| 9 to 11 Months | 9.50% |
| 12 Months | 9.75% |
| 12 Months above | 10.25% |
Lease Rental Deposit Scheme: (Monthly/Quarterly)
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| 1 Year | 9.75% |
| 2 to 5 Year | 10.25% |
Rate for Legacy Products/Schemes
| Product Tenure | Applicable Rate for Institutions, Individual and Fund |
|---|---|
| Q1 | 9.25% |
| Q2 | 9.50% |
| Q3 | 9.50% |
| Q4 | 9.75% |
| Q5 | 10.25% |
| Q6 | 10.25% |
| Q7 | 10.25% |
| Q8 | 10.25% |
| Q9 | 10.25% |
| Q10 | 10.25% |
| Flexi Term Deposit | Calculation shall be based on the Q-Series Base Rate, subject to the applicable tenure. |
| Supplementary Interest Deposit | 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 Fund Minimum deposit amount shall be defined as per the approved Scheme Definition under Product Policy of Liability Products. 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 upon renewal of existing deposits. In the event of premature encashment, the applicable rate shall be as per the prevailing premature encashment rate.Calculate your returns and plan your investments
Principal Amount: ৳50,000
Interest Earned: ৳1,375
Tenure: 3 months
Interest Rate: 11.00%
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