Fixed Deposit (FDR) Rates in Bangladesh - Features, Fee & Requirements | Banking BD

Product Overview

Fixed Deposit Receipts (FDR) in Bangladesh offer guaranteed, high-yield returns with complete capital security. Enjoy flexible tenures ranging from 1 month to 5 years, with attractive interest rates up to 11.50% p.a., monthly/quarterly interest payout options, and loan facilities up to 90% against your deposit.

Key Features & Benefits

• Guaranteed high returns with interest rates up to 11.50% p.a.:
• Flexible tenures: 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 5 years
• Interest payout options: Monthly, Quarterly, Half-Yearly, or at Maturity (Cumulative)
• Auto-renewal facility on principal and interest upon maturity:
• Instant overdraft / loan facility up to 90% against your FDR value at only 1-2% above deposit rate:
• Protected by Bangladesh Bank Deposit Insurance Scheme:

Special Perks & Privileges

• Senior Citizen FDR schemes offer extra 0.25% - 0.50% interest bonus
• Probashi / Non-Resident Bangladeshi (NRB) special high-yield FDR accounts

Product Specifications & Fee Schedule

Eligibility Criteria

• Any Bangladeshi citizen aged 18 years and above
• Minors can open accounts jointly with legal guardians
• Clubs, societies, trusts, partnerships, and corporate institutions

Required Documents

• FDR Account Opening Form
• National ID Card (NID) / Passport copy of applicant and nominee
• 2 copies passport-size photographs of depositor and 1 copy of nominee
• e-TIN certificate copy (TIN holders enjoy reduced 10% withholding tax vs 15% without TIN)
• Source of funds declaration / documentary evidence