ডিপিএস ও এফডিআর সঞ্চয় স্কিম (AIT ও আবগারি শুল্ক হিসাব)
DPS & FDR Term Deposit Yield Comparison — এনবিআর এসআরও ১৮২/২০২৬ আবগারি শুল্ক এবং ১০%/১৫% উৎসে কর (AIT) বাদ দিয়ে আসল নিট সুদের মুনাফা হিসাব করুন।
🧮 ডিপিএস ও এফডিআর নেট ইল্ড ক্যালকুলেটর (AIT & Excise Duty)
DPS & FDR Compounding Calculator
DPS Maturity & Tax Slabs
Total Principal Deposited:৳ 300,000
Gross Interest Earned (Pre-AIT):৳ 74,849
Net Return (With TIN - 10% AIT):৳ 367,214
Net Return (Without TIN - 15% AIT):৳ 363,471
NBR Excise Duty (2026 Slab):৳ 150
Premature Encashment Penalty
Rule: 2% below contracted rate (6.5%)
Encashment Value:৳ 128,473
Premature Interest Earned:৳ 8,473
Multi-Product Financial Comparison Matrix
Comparing 22 Bangladesh financial institutions with Shariah & Regulatory Compliance (BRPD & NBR).
🕌 Shariah & Institution Filter:
Showing 44 product offers | Ranked by Organic Net Yield (70%) + Partner Bid (30%)
| Rank & Disclosure ↓ | Institution | Product Name & Shariah | Gross Rate / Fee ↕ | AIT Yield (TIN 10%) ↕ | Non-TIN (15%) | BRPD & Regulatory Tooltip | Rating ↕ | Deep Dive | আবেদন করুন |
|---|---|---|---|---|---|---|---|---|---|
#1Organic Top | IPDC Finance PLC High Deposit Returns | DPS Deposit Scheme Conventional | 9.50% আজ হালনাগাদ | 8.55% | 8.07% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#2Organic Top | IPDC Finance PLC High Deposit Returns | Fixed Deposit (FDR) Conventional | 10.50% আজ হালনাগাদ | 9.45% | 8.92% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#3Organic Top | HSBC Bangladesh International Wealth Management | DPS Deposit Scheme Conventional | 7.25% আজ হালনাগাদ | 6.53% | 6.16% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#4Organic Top | HSBC Bangladesh International Wealth Management | Fixed Deposit (FDR) Conventional | 8.25% আজ হালনাগাদ | 7.42% | 7.01% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#5Organic Top | Dutch-Bangla Bank PLC Largest ATM Network | DPS Deposit Scheme Conventional | 8.00% আজ হালনাগাদ | 7.20% | 6.80% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#6Organic Top | Dutch-Bangla Bank PLC Largest ATM Network | Fixed Deposit (FDR) Conventional | 9.00% আজ হালনাগাদ | 8.10% | 7.65% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#7Organic Top | Eastern Bank PLC Premium Cards | DPS Deposit Scheme Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#8Organic Top | Eastern Bank PLC Premium Cards | Fixed Deposit (FDR) Conventional | 9.25% আজ হালনাগাদ | 8.33% | 7.86% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.6 | বিবরণ → | |
#9Organic Top | The City Bank PLC American Express Partner | DPS Deposit Scheme Conventional | 8.75% আজ হালনাগাদ | 7.88% | 7.44% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.5 | বিবরণ → | |
#10Organic Top | The City Bank PLC American Express Partner | Fixed Deposit (FDR) Conventional | 9.75% আজ হালনাগাদ | 8.78% | 8.29% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.5 | বিবরণ → | |
#11Organic Top | LankaBangla Finance PLC Retail Loan Specialist | DPS Deposit Scheme Conventional | 9.50% আজ হালনাগাদ | 8.55% | 8.07% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.5 | বিবরণ → | |
#12Organic Top | LankaBangla Finance PLC Retail Loan Specialist | Fixed Deposit (FDR) Conventional | 10.25% আজ হালনাগাদ | 9.22% | 8.71% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.5 | বিবরণ → | |
#13Organic Top | Prime Bank PLC Competitive Loan Rates | DPS Deposit Scheme Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → | |
#14Organic Top | Prime Bank PLC Competitive Loan Rates | Fixed Deposit (FDR) Conventional | 9.50% আজ হালনাগাদ | 8.55% | 8.07% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → | |
#15Organic Top | Rocket (DBBL MFS) MFS Pioneer in BD | DPS Deposit Scheme Conventional | 7.00% আজ হালনাগাদ | 6.30% | 5.95% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → | |
#16Organic Top | Rocket (DBBL MFS) MFS Pioneer in BD | Fixed Deposit (FDR) Conventional | 8.00% আজ হালনাগাদ | 7.20% | 6.80% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → | |
#17Organic Top | Pubali Bank PLC Widespread Branch Coverage | DPS Deposit Scheme Conventional | 8.00% আজ হালনাগাদ | 7.20% | 6.80% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#18Organic Top | Pubali Bank PLC Widespread Branch Coverage | Fixed Deposit (FDR) Conventional | 8.75% আজ হালনাগাদ | 7.88% | 7.44% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#19Organic Top | United Commercial Bank PLC Upay MFS Partner | DPS Deposit Scheme Conventional | 8.25% আজ হালনাগাদ | 7.42% | 7.01% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#20Organic Top | United Commercial Bank PLC Upay MFS Partner | Fixed Deposit (FDR) Conventional | 9.00% আজ হালনাগাদ | 8.10% | 7.65% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#21Organic Top | Dhaka Bank PLC SME Growth Partner | DPS Deposit Scheme Conventional | 8.00% আজ হালনাগাদ | 7.20% | 6.80% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#22Organic Top | Dhaka Bank PLC SME Growth Partner | Fixed Deposit (FDR) Conventional | 9.00% আজ হালনাগাদ | 8.10% | 7.65% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.3 | বিবরণ → | |
#23Organic Top | Bank Asia PLC Agent Banking Leader | DPS Deposit Scheme Conventional | 8.25% আজ হালনাগাদ | 7.42% | 7.01% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.2 | বিবরণ → | |
#24Organic Top | Bank Asia PLC Agent Banking Leader | Fixed Deposit (FDR) Conventional | 9.00% আজ হালনাগাদ | 8.10% | 7.65% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.2 | বিবরণ → | |
#25Organic Top | Premier Bank PLC High Yield Deposit | DPS Deposit Scheme Conventional | 8.75% আজ হালনাগাদ | 7.88% | 7.44% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.1 | বিবরণ → | |
#26Organic Top | Premier Bank PLC High Yield Deposit | Fixed Deposit (FDR) Conventional | 9.75% আজ হালনাগাদ | 8.78% | 8.29% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.1 | বিবরণ → | |
#27Organic Top | Sonali Bank PLC State Sovereign Backing | DPS Deposit Scheme Conventional | 7.50% আজ হালনাগাদ | 6.75% | 6.38% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.1 | বিবরণ → | |
#28Organic Top | Sonali Bank PLC State Sovereign Backing | Fixed Deposit (FDR) Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.1 | বিবরণ → | |
#29Organic Top | Agrani Bank PLC Rural & Agriculture Focus | DPS Deposit Scheme Conventional | 7.75% আজ হালনাগাদ | 6.98% | 6.59% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.0 | বিবরণ → | |
#30Organic Top | Agrani Bank PLC Rural & Agriculture Focus | Fixed Deposit (FDR) Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.0 | বিবরণ → | |
#31Organic Top | Janata Bank PLC Government Guaranteed | DPS Deposit Scheme Conventional | 7.50% আজ হালনাগাদ | 6.75% | 6.38% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.0 | বিবরণ → | |
#32Organic Top | Janata Bank PLC Government Guaranteed | Fixed Deposit (FDR) Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.0 | বিবরণ → | |
#33s.44 Sponsored | bKash Limited #1 MFS Ecosystem | DPS Deposit Scheme Conventional | 7.50% আজ হালনাগাদ | 6.75% | 6.38% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#34s.44 Sponsored | bKash Limited #1 MFS Ecosystem | Fixed Deposit (FDR) Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#35s.44 Sponsored | Islami Bank Bangladesh PLC Shariah Top Choice | Mudarabah DPS Deposit Scheme 🕌 Central Shariah Board Certified (Mudarabah) | 9.00% আজ হালনাগাদ | 8.10% | 7.65% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.7 | বিবরণ → | |
#36s.44 Sponsored | Islami Bank Bangladesh PLC Shariah Top Choice | Mudarabah Term Deposit (FDR) 🕌 Central Shariah Board Certified (Mudarabah) | 10.00% আজ হালনাগাদ | 9.00% | 8.50% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.7 | বিবরণ → | |
#37s.44 Sponsored | IDLC Finance PLC Top NBFI Deposit Yield | DPS Deposit Scheme Conventional | 9.75% আজ হালনাগাদ | 8.78% | 8.29% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.7 | বিবরণ → | |
#38s.44 Sponsored | IDLC Finance PLC Top NBFI Deposit Yield | Fixed Deposit (FDR) Conventional | 10.75% আজ হালনাগাদ | 9.68% | 9.14% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.7 | বিবরণ → | |
#39s.44 Sponsored | BRAC Bank PLC Top Rated Bank | DPS Deposit Scheme Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#40s.44 Sponsored | BRAC Bank PLC Top Rated Bank | Fixed Deposit (FDR) Conventional | 9.50% আজ হালনাগাদ | 8.55% | 8.07% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.8 | বিবরণ → | |
#41s.44 Sponsored | Standard Chartered Bangladesh Global Banking Partner | DPS Deposit Scheme Conventional | 7.50% আজ হালনাগাদ | 6.75% | 6.38% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.9 | বিবরণ → | |
#42s.44 Sponsored | Standard Chartered Bangladesh Global Banking Partner | Fixed Deposit (FDR) Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.9 | বিবরণ → | |
#43s.44 Sponsored | Mutual Trust Bank PLC Best Service Bank | DPS Deposit Scheme Conventional | 8.50% আজ হালনাগাদ | 7.65% | 7.22% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → | |
#44s.44 Sponsored | Mutual Trust Bank PLC Best Service Bank | Fixed Deposit (FDR) Conventional | 9.25% আজ হালনাগাদ | 8.33% | 7.86% | NBR SRO 182 Slabs (৳0 - ৳15,000) | ★4.4 | বিবরণ → |