Fixed Deposit Calculator — Bangladesh
Calculate your fixed-deposit maturity value and interest in BDT at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
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%, 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 BDT 600,000 deposited at 10.00% for 5 years (quarterly compounding):
- Maturity value: BDT 983,170
- Interest earned: BDT 383,170
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.
A named-bank rate check: Islami Bank Bangladesh's fixed deposit (2026)
Islami Bank Bangladesh PLC, the country's largest Shariah-based bank, publishes provisional profit rates on its Mudaraba Term Deposit Receipt (MTDR) product — the Islamic-banking equivalent of a fixed deposit. In its rate schedule effective 01.01.2026, the 12-month MTDR profit rate is 10.00% per year. For comparison, The City Bank Limited's conventional 1-year FD rate was listed at 9.25% per year as of a 31 December 2025 market roundup, while other conventional banks in the same roundup ranged from about 9.5% to 12% for 1-year terms. Bangladesh Bank cut its policy (repo) rate to 9.50% on 2 August 2026 and held it there in its September 2026 monetary policy statement, with headline inflation still running near 8.6%.
Against that backdrop, this calculator's rate of 10% per year is realistic and sits squarely within the range observed across named banks — close to Islami Bank's 10% MTDR rate and toward the middle of the wider 9.25%–12% spread seen at conventional banks.
A more realistic example: depositing ৳5,00,000 in a 1-year fixed deposit at a 10% annual rate, compounded quarterly (a common convention for Bangladeshi bank FDs), grows to about ৳5,51,906 at maturity — roughly ৳51,906 in interest before tax. Held for 3 years under the same rate and compounding, the same principal would grow to about ৳6,72,444.
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% 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.
What is a realistic fixed deposit rate in Bangladesh right now?
As of early 2026, named-bank rates for a 1-year fixed or term deposit in Bangladesh mostly range from about 9.25% to 12% per year. Islami Bank Bangladesh PLC's Mudaraba Term Deposit pays 10.00% for 12 months (effective 01.01.2026), while The City Bank's conventional 1-year FD was listed at 9.25% in a December 2025 rate roundup.
Why do fixed deposit rates differ between an Islamic bank and a conventional bank?
Islamic banks such as Islami Bank Bangladesh PLC do not pay fixed 'interest' in the conventional sense; instead they pay a variable 'profit rate' on Mudaraba deposits, though in practice this rate is published and behaves much like a fixed deposit rate for planning purposes. Conventional banks like The City Bank pay a contractually fixed interest rate.
How often is fixed deposit compounding applied in Bangladesh?
Most Bangladeshi banks compound fixed deposit interest quarterly, though some products compound monthly, half-yearly, or only pay out at maturity. Always check the specific product's compounding frequency, since it changes the effective yield even at the same quoted annual rate.
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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.
Additional sources for this page
Islami Bank Bangladesh PLC (effective 01.01.2026): Provisional Profit Rates on Mudaraba Deposits. The Daily Star (9 February 2026): Bangladesh Bank holds key rate at 10%. See our methodology and editorial policy for how we source and update this data.