Fixed Deposit Calculator — Bangladesh
Calculate your fixed-deposit maturity value and interest in BDT at current rates. No signup, no tracking.
Fixed deposit rates in Bangladesh (2026)
FDR rates ≈ 9–11% p.a. for 3+ year tenures. Islamic banks offer Mudarabah-based alternatives with similar profit rates.
At around 10.5%, the fixed-deposit rate in Bangladesh is very high in nominal terms - but rates this large usually track higher local inflation, so your real, after-inflation return can be far smaller than the headline suggests.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every BDTÂ 100,000 deposited at 10.50% for 5 years (quarterly compounding):
- Maturity value: BDTÂ 167,905
- Interest earned: BDTÂ 67,905
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Bangladesh
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in Bangladesh?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Bangladesh?
As a 2026 reference, fixed-deposit rates are around 10.5% per year, varying by bank and tenure. FDR rates ≈ 9–11% p.a. for 3+ year tenures. Islamic banks offer Mudarabah-based alternatives with similar profit rates.
Is FD interest taxable in Bangladesh?
In most countries FD interest is taxable as income; some offer tax-advantaged or senior-citizen options. Check your local rules - the calculator shows the pre-tax maturity value.
Is a fixed deposit safe in Bangladesh?
Fixed deposits carry no market risk. In Bangladesh, bank deposits are typically protected by a national deposit-insurance scheme up to a set per-depositor limit. Confirm the current cap and which banks qualify before you deposit. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Bangladesh?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.