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Interest Rates / Profit (Provisional)
Rates

Deposit Rates

Sl Particulars Revised rate of Interest
01. Special Notice Deposit (SND)*
  a) Below Tk. 1.00 crore 0.50%
  b) Tk. 1.00 crore and above but below Tk.25.00 crore 1.00%
  c) Tk. 25.00 crore and above but below Tk. 50.00 crore 2.00%
  d) Tk. 50.00 crore and above but below Tk. 100.00 crore 2.00%
  e) Tk. 100.00 crore and above 2.50%
*SND Rates only for Public Enterprises will be 2.00% (for below Tk. 100.00 crore) and 3.15% (for Tk. 100.00 crore and above).
02. i.Savings Deposit
  a) Below Tk. 50 lac 1.25%
  b) Tk. 50 lac & above but below Tk. 1.00 crore 1.75%
  c) Tk. 1.00 crore & above 2.00%
  ii. Prime Lenden (Current Deposit for MSMEs) Interest rate on minimum balance in any EOD during month
  a) Tk. 25,000 & above but below Tk. 5.00 Lac 1.00%
  b) Tk. 5.00 Lac & above but below Tk. 10.00 Lac 2.00%
  c) Tk. 10.00 Lac & above 2.50%
03. Prime Premium 2.00%
04. Prime Power 4.50%
05. Prime Excel
  a) Up to Tk. 25 Crore 2.00%
  b) above Tk. 25.00 crore & up to Tk. 55.00 crore 3.00%
  c) above Tk. 55.00 crore 5.00%
06. Prime Pro 6.50%
07. Fixed Deposit Receipt
1. FD Rates applicable for individual Consumer Deposits:
Slab Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
g) Tk. 50.00 crore and above 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
2. FD Rates applicable for MSME customers:
Slabs Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
g) Tk. 50.00 crore and above 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
3. FD Rates applicable for Corporate, Commercial & Emerging Market customers:
Slabs Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 4.50% 7.50% 4.50% 6.00% 4.50% 4.50% 4.50% 4.50%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 4.50% 7.50% 4.50% 7.00% 4.50% 4.50% 4.50% 4.50%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
g) Tk. 50.00 crore and above but below Tk. 70 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
h) Tk. 70.00 crore & above but below Tk. 100.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
i) Tk. 100.00 crore & above 2.00% 6.75% 7.50% 8.00% 7.00% 6.25% 6.00% 5.50% 5.50%
4. FD Rate for Public Sector Companies 6.00% for 12M (only for Tk. 30.00 crore and above)
5. Bijoy 50 (Only for C&IB, CBD and EM customers) 91 days 121 days 181 days 271 days 361 days
a) Tk. 50 Lac and above but below 1.00 Crore 8.50% 9.50% 9.50% 6.50% 10.00%
a) Tk. 1 .00 Crore & above but below 50.00 Crore 6.50% 9.50% 9.50% 6.50% 10.00%
b) Tk. 50 .00 Crore & above 6.75% 9.50% 9.50% 6.50% 10.00%
08. i. Monthly Installment Deposit Scheme (MID): for individual Consumer Deposits
Product Name Tenor (Years)
3 4 5 7 10 12 15 20
Kotipoti Deposit Scheme (KDS)     6.00% 6.00% 7.00% 7.00% 7.00%  
Prime Millionaire Scheme (PMS)     6.00% 6.00% 7.00% 7.00%    
Neera Motherhood Scheme (NMS) 6.00%   6.00% 6.00% 7.00% 7.00%    
Lakhopati Deposit Scheme (LDS) 6.00%   6.00%   7.00%   7.00%  
Laksma Puron Deposit Scheme (LPDS) 6.00% 6.00% 6.00%          
Contributory Savings Scheme (CSS) 9.00%   9.00% 9.00% 9.00% 9.00% 9.00%  
Nobagoto Deposit Scheme (NDS)     6.00% 6.00% 7.00%   7.00% 7.00%
Neera Education Savings Scheme (NESS) 6.00%   6.00% 6.00% 7.00% 7.00% 7.00% 7.00%
ii. Monthly Installment Deposit Scheme (MID): for MSME Customers
Product Name Tenor (Years)
3 4 5 7 10 12 15 20
Prime Agami 3.25% 5.00% 5.00% 5.00% 6.00%      
09. i. Single Installment Deposit Scheme (SID): for individual Consumer Deposits
Product Name Amount Interest Rate Maturity Tenure
Prime Monhtly Income Scheme (PMIS)
Any Amount 9.75% 1 Year
Any Amount 7.75% 3/5 Years
Double Benefit Deposit Scheme Any Amount 9.25% 07 Years 11 Months
Account 150% Any Amount 6.00% 7 Years
Brighter Tomorrow Deposit Scheme Any Amount 6.00% 12 Months
ii. Single Installment Deposit Scheme (SID): for MSME Customers
Product Name Amount Interest Rate Maturity Tenure
Prime Echo (Monthly Income Scheme)
Below Tk. 1.00 Crore
Tk. 1.00 Crore & Above
9.00%
9.25%
1 Year


However, the following conditions will prevail:
a. Bank Deposit will be dealt separately by Treasury Division.
b. Client/Group maintaining combined FDR of BDT 250.00 crore and above will receive 10.75% interest on renewal
c.The revised rate of interest will be effective from  May 01, 2024.

Sl Particulars Revised Provisional Rate of Profit
01. Mudaraba Special Notice Deposit (MSND)*
  a) Below Tk. 1.00 crore 0.50%
  b) Tk. 1.00 crore and above but below Tk.25.00 crore 1.00%
  c) Tk. 25.00 crore and above but below Tk. 50.00 crore 2.00%
  d) Tk. 50.00 crore and above but below Tk. 100.00 crore 2.00%
  e) Tk. 100.00 crore and above* 2.50%
  * MSND Rates only for Public Enterprises will be 2.00% (for below Tk. 100.00 crore) and 3.15% (for Tk. 100.00 crore and above).
02. Mudaraba Savings Deposit
  a) Below Tk. 50 lac 1.25%
  b) Tk. 50 lac & above but below Tk. 1.00 crore 1.75%
  c) Tk. 1.00 crore & above 2.00%
03. Mudaraba Term Deposit
i) Rates applicable for individual Consumer Deposits
Slab Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
g) Tk. 50.00 crore and above 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
ii. Rates applicable for MSME customers:
Slab Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
g) Tk. 50.00 crore and above 2.00% 7.00% 9.25% 9.00% 9.50% 10.00% 7.00% 7.00% 7.00%
iii) Rates applicable for Corporate, Commercial, Emerging Market customers:
Slab Tenor
1M 3M 4M 6M 7M 12M 13M 14M 24M & Above
a) Below Tk. 50 lac 2.00% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
b) Tk.50 lac & above but below Tk. 1 Crore 2.00% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
c) Tk. 1 Crore & above but below Tk. 3 Crore 2.00% 4.50% 7.50% 4.50% 6.00% 4.50% 4.50% 4.50% 4.50%
d) Tk. 3 Crore & above but below Tk. 10.00 crore 2.00% 4.50% 7.50% 4.50% 7.00% 4.50% 4.50% 4.50% 4.50%
e) Tk. 10.00 crore & above but below Tk. 25.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
f) Tk. 25.00 crore & above but below Tk. 50.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
g) Tk. 50.00 crore and above but below Tk. 70 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
h) Tk. 70.00 crore & above but below Tk. 100.00 crore 2.00% 6.75% 7.50% 8.00% 7.00% 5.50% 6.00% 5.50% 5.50%
i) Tk. 100.00 crore & above 2.00% 6.75% 7.50% 8.00% 7.00% 6.25% 6.00% 5.50% 5.50%
04. Monthly Installment Deposit Scheme (MID): for individual Consumer Deposit
Product Name Tenor (Years)
3 4 5 7 10 12 15 20
Mudaraba Kotipoti Deposit Scheme (MKDS)     6.00% 6.00% 7.00% 7.00% 7.00%  
Mudaraba Millionaire Scheme (MPMS)     6.00% 6.00% 7.00% 7.00%    
Mudaraba Lakhopati Deposit Scheme (MLDS) 6.00%   6.00%   7.00%   7.00%  
Mudaraba Laksma Puron Deposit Scheme (MLPDS) 6.00% 6.00% 6.00%          
Mudaraba Contributory Savings Scheme (MCSS) 9.00%   9.00% 9.00% 9.00% 9.00% 9.00%  
Mudaraba Nobagoto Deposit Scheme (MNDS)     6.00% 6.00% 7.00%   7.00% 7.00%
Mudaraba Hajj Savings Deposit Scheme (MHDS) 1 -7 Year 6.00% 8-10 Year 7.00%  
05. Monthly Installment Deposit Scheme (MID): for MSME Customers
Product Name Tenor (Years)
3 4 5 7 10 12 15 20
Mudaraba Agami 3.25% 5.00% 5.00% 5.00% 7.00%      
06. Single Installment Deposit Scheme (SID): for individual Consumer Deposits
Product Name Amount Profit Rate Maturity Tenure
Mudaraba Monhtly Income Scheme (MMIS)
Any Amount 9.75% 1 Year
Any Amount 7.75% 3/5 Years
Mudaraba Double Benefit Deposit Scheme Any Amount 9.25% 07 Years 11 Months
Mudaraba Account 150% Any Amount 6.00% 7 Years
Mudaraba Brighter Tomorrow Deposit Scheme Any Amount 6.00% 12 Months
Mudaba Cash Waqf Deposit Scheme Any Amount 6.00% Perpetual
07. Single Installment Deposit Scheme (SID): for MSME Customers
Product Name Amount Profit Rate Maturity Tenure
Prime Hasanah Echo (Monthly Income Scheme)
Below Tk. 1.00 Crore
Tk. 1.00 Crore & Above
9.00%
9.25%
1 Year


However, the following conditions will prevail:
a. Bank Deposit will be dealt separately by Treasury Division.
b. Client/Group maintaining combined MTD of BDT 250.00 crore and above will receive 10.75% profit on renewal.
c. The revised rate of profit will be effective from May 01, 2024.

 

Lending / Financing Rates

As per updated SMART 10.55% & recent circular issued by Bangladesh Bank, Interest Rate Band of our Bank will be applicable as under with effect from April 01, 2024:

Sl Nature of Loan Revised Rate of Interest
Highest
01. Agriculture
Loan to Primary Products SMART*+ 2.00%
Others SMART + 2.00%
02. Term Loan to Large and Medium Scale Industry
Export Oriented SMART + 3.00%
Others SMART + 3.00%
03. Term Loan to Small and Cottage Industry
Cottage Industry SMART + 3.00%
Small Industry SMART + 3.00%
04. Working Capital to Industry
A. Working Capital Loan to Large Industry and Medium Scale Industry
i. Export Oriented SMART + 3.00%
ii. Others SMART + 3.00%
B. Working Capital Loan to Small Industry SMART + 3.00%
05. Export Credit (PC/ECC) SMART + 2.00%
06. Commercial Lending
Import Financing SMART + 3.00%
Others SMART + 3.00%
07. Other Special Program (Other than commercial) As per Bangladesh Bank Guidelines
08. Real Estate Financing
Commercial SMART + 3.00%
Commercial cum Residential SMART + 3.00%
Residential SMART + 3.00%
09. Secured Overdraft (SOD) Facility
A. wholesale Banking (Corporate Customers)
i. FDR maintained with our bank 1.50% - 3.00% above the deposit rate**
ii. SND and other deposit scheme maintained with our bank 2.00% - 3.00% above the deposit rate**
B. MSME Customers
i. FDR maintained with our bank 1.50% - 3.00% above the deposit rate**
ii. FDR maintained with other Bank/Wage Earner's Development Bond SMART + 3.00%
iii. DPS and other deposit scheme maintained with our bank 2.00% - 3.00% above the deposit rate**
C. Consumer Banking Customers
i. FDR and Scheme Deposit maintained with our bank FD/Scheme rate + 3.00%**
ii. FDR maintained with other Bank SMART + 3.00%
iii. Wage Earners Development Bond SMART + 3.00%
10. Consumer Credit
Home Loan SMART + 3.00%
Car Loan SMART + 3.00%
All other Unsecured Loan SMART + 3.00%
11. Loan to NBFI SMART + 3.00%
12. Loan to MFI's (other than Agriculture Financing) SMART + 3.00%
13. Lease Financing SMART + 3.00%
14. Loan against Share SMART + 3.00%
15. Prodip (under BB refinance) As per Bangladesh Bank Guidelines
16. Any kind of loan under of BB refinancing As per Bangladesh Bank Guidelines
17. Short Term Loan SMART + 3.00%
18. Time Loan/Demand Loan SMART + 3.00%
19. RMG Remediation Finance SMART + 3.00%
20. Infrastructure, Energy & Power SMART + 3.00%
21. Others SMART + 3.00%

* SMART (Six Months Moving Average Rate of Treasury Bill) to be applied in compliance with BRPD Circular no. 09 dated June 19, 2023 & BRPD circular no. 16 dated 31 March, 2024 issued by Bangladesh Bank (BB).

  • Previous month's SMART is applicable to determine present month's lending rate.
  • BB Published SMART for Feb '24 is 10.55% (applicable up to 30th Aprill 2024).
  • Please get SMART on 1st working day of each month from BB Website (https://www.bb.org.bd).

** SOD for all Segments other than Consumer Banking require approval from HOCRM if spread is below 3.00%. Spread for consumer banking would be 3.00%

As per updated SMART 10.55% & recent circular issued by Bangladesh Bank, Profit Rate Band on Investment of our Bank will be applicable as under with effect from April 01, 2024:

Sl Nature of Investment Revised Profit Rate
Maximum
01. Agriculture
Investment to Primary Products SMART*+ 2.00%
Others SMART + 2.00%
02. Term Investment to Large and Medium Scale Industry
Export Oriented SMART + 3.00%
Others SMART + 3.00%
03. Term Investment to Small and Cottage Industry
Cottage Industry SMART + 3.00%
Small Industry SMART + 3.00%
04. Working Capital to Industry
A. Working Capital Investment to Large Industry and Medium Scale Industry
i. Export Oriented SMART + 3.00%
ii. Others SMART + 3.00%
B. Working Capital Investment to Small Industry SMART + 3.00%
05. Export Investment (PC/ECC) SMART + 2.00%
06. Commercial Investment
Import Financing SMART + 3.00%
Others SMART + 3.00%
07. Other Special Program (Other than commercial) As per Bangladesh Bank Guidelines
08. Real Estate Investment
Commercial SMART + 3.00%
Commercial cum Residential SMART + 3.00%
Residential SMART + 3.00%
09. Quard/FO
A. Wholesale Banking (Corporate Customers)
i. MTDR maintained with our bank 1.50% - 3.00% above the deposit rate**
ii. SND and other deposit scheme maintained with our bank 2.00% - 3.00% above the deposit rate**
B. MSME Customers
i. MTDR maintained with our bank 1.50% - 3.00% above the deposit rate**
ii. MTDR maintained with other Bank/Wage Earner's Development Bond SMART + 3.00%
iii. DPS and other deposit scheme maintained with our bank 2.00% - 3.00% above the deposit rate**
C. Consumer Banking Customers
i. MTDR and Scheme Deposit maintained with our bank MTDR/Scheme rate + 3.00%
ii. MTDR maintained with other Bank SMART + 3.00%
iii. Wage Earners Development Bond SMART + 3.00%
10. Consumer Investment
Home Investment SMART + 3.00%
Car Investment SMART + 3.00%
All other Unsecured Investment SMART + 3.00%
11. Investment to NBFI SMART + 3.00%
12. Investment to MFI's (other than Agriculture investment) SMART + 3.00%
13. Investment Financing SMART + 3.00%
14. Investment against Share SMART + 3.00%
15. Prodip (under BB refinance) As per Bangladesh Bank Guidelines
16. Any kind of investment under of BB refinancing As per Bangladesh Bank Guidelines
17. Short Term Investment SMART + 3.00%
18. Time Investment/Demand Investment SMART + 3.00%
19. RMG remediation Finance SMART + 3.00%
20. Infrastructure, Energy & Power SMART + 3.00%
21. Others SMART + 3.00%

* SMART (Six Months Moving Average Rate of Treasury Bill) to be applied in compliance with BRPD Circular no. 09 dated June 19, 2023 & BRPD circular no. 16 dated 31 March, 2024 issued by Bangladesh Bank (BB)

  • Previous month's SMART is applicable to determine present month's lending rate.
  • BB Published SMART for Mar '24 is 10.55% (applicable up to 30th April 2024)
  • Please get SMART on 1st working day of each month from BB Website (https://www.bb.org.bd)

** Quard for all Segments other than Consumer Banking require approval from HOCRM if spread is below 3.00%. Spread for consumer banking would be 3.00%