পার্সোনাল লোন ও রিডিউসিং ইএমআই (EMI) তুলনা
Personal Loan & Reducing-Balance EMI Comparison — বাংলাদেশ ব্যাংকের বিআরপিডি ১% প্রিপেমেন্ট ফি ক্যাপ সার্কুলার মেনে সকল ব্যাংকের পার্সোনাল লোন ও ইএমআই হিসাব করুন।
🧮 পার্সোনাল লোন রিডিউসিং-ব্যালেন্স EMI ক্যালকুলেটর
Loan EMI Calculator & Amortisation Schedule
Bangladesh Bank Policy: market-based (cap removed 2020) | BRPD Prepayment Fee Cap: 1%
Reducing-Balance Loan Summary
Monthly EMI:৳ 23,537
Total Interest Payable:৳ 64,882
Total Amount Payable:৳ 564,882
Applicable AIT Rate:10%
BRPD Prepayment Fee Cap Calculator
Max Prepayment Penalty (1% Cap):৳ 2,000
Amortisation Schedule
| Month | Beginning Balance | EMI | Principal Payment | Interest Payment | Ending Balance |
|---|---|---|---|---|---|
| 1 | ৳ 500,000 | ৳ 23,537 | ৳ 18,537 | ৳ 5,000 | ৳ 481,463 |
| 2 | ৳ 481,463 | ৳ 23,537 | ৳ 18,722 | ৳ 4,815 | ৳ 462,741 |
| 3 | ৳ 462,741 | ৳ 23,537 | ৳ 18,909 | ৳ 4,627 | ৳ 443,832 |
| 4 | ৳ 443,832 | ৳ 23,537 | ৳ 19,098 | ৳ 4,438 | ৳ 424,733 |
| 5 | ৳ 424,733 | ৳ 23,537 | ৳ 19,289 | ৳ 4,247 | ৳ 405,444 |
| 6 | ৳ 405,444 | ৳ 23,537 | ৳ 19,482 | ৳ 4,054 | ৳ 385,962 |
| 7 | ৳ 385,962 | ৳ 23,537 | ৳ 19,677 | ৳ 3,860 | ৳ 366,285 |
| 8 | ৳ 366,285 | ৳ 23,537 | ৳ 19,874 | ৳ 3,663 | ৳ 346,411 |
| 9 | ৳ 346,411 | ৳ 23,537 | ৳ 20,073 | ৳ 3,464 | ৳ 326,338 |
| 10 | ৳ 326,338 | ৳ 23,537 | ৳ 20,273 | ৳ 3,263 | ৳ 306,065 |
| 11 | ৳ 306,065 | ৳ 23,537 | ৳ 20,476 | ৳ 3,061 | ৳ 285,589 |
| 12 | ৳ 285,589 | ৳ 23,537 | ৳ 20,681 | ৳ 2,856 | ৳ 264,908 |
| 13 | ৳ 264,908 | ৳ 23,537 | ৳ 20,888 | ৳ 2,649 | ৳ 244,020 |
| 14 | ৳ 244,020 | ৳ 23,537 | ৳ 21,097 | ৳ 2,440 | ৳ 222,924 |
| 15 | ৳ 222,924 | ৳ 23,537 | ৳ 21,308 | ৳ 2,229 | ৳ 201,616 |
| 16 | ৳ 201,616 | ৳ 23,537 | ৳ 21,521 | ৳ 2,016 | ৳ 180,096 |
| 17 | ৳ 180,096 | ৳ 23,537 | ৳ 21,736 | ৳ 1,801 | ৳ 158,360 |
| 18 | ৳ 158,360 | ৳ 23,537 | ৳ 21,953 | ৳ 1,584 | ৳ 136,407 |
| 19 | ৳ 136,407 | ৳ 23,537 | ৳ 22,173 | ৳ 1,364 | ৳ 114,234 |
| 20 | ৳ 114,234 | ৳ 23,537 | ৳ 22,394 | ৳ 1,142 | ৳ 91,840 |
| 21 | ৳ 91,840 | ৳ 23,537 | ৳ 22,618 | ৳ 918 | ৳ 69,221 |
| 22 | ৳ 69,221 | ৳ 23,537 | ৳ 22,845 | ৳ 692 | ৳ 46,377 |
| 23 | ৳ 46,377 | ৳ 23,537 | ৳ 23,073 | ৳ 464 | ৳ 23,304 |
| 24 | ৳ 23,304 | ৳ 23,537 | ৳ 23,304 | ৳ 233 | ৳ 0 |
Multi-Product Financial Comparison Matrix
Comparing 22 Bangladesh financial institutions with Shariah & Regulatory Compliance (BRPD & NBR).
🕌 Shariah & Institution Filter:
Showing 22 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 | Personal Loan Conventional | 14.00% আজ হালনাগাদ | 14.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.6 | বিবরণ → | |
#2Organic Top | HSBC Bangladesh International Wealth Management | Personal Loan Conventional | 14.75% আজ হালনাগাদ | 14.75% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.8 | বিবরণ → | |
#3Organic Top | Dutch-Bangla Bank PLC Largest ATM Network | Personal Loan Conventional | 13.00% আজ হালনাগাদ | 13.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.6 | বিবরণ → | |
#4Organic Top | Eastern Bank PLC Premium Cards | Personal Loan Conventional | 13.25% আজ হালনাগাদ | 13.25% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.6 | বিবরণ → | |
#5Organic Top | The City Bank PLC American Express Partner | Personal Loan Conventional | 14.00% আজ হালনাগাদ | 14.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.5 | বিবরণ → | |
#6Organic Top | LankaBangla Finance PLC Retail Loan Specialist | Personal Loan Conventional | 14.25% আজ হালনাগাদ | 14.25% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.5 | বিবরণ → | |
#7Organic Top | Prime Bank PLC Competitive Loan Rates | Personal Loan Conventional | 13.00% আজ হালনাগাদ | 13.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.4 | বিবরণ → | |
#8Organic Top | Rocket (DBBL MFS) MFS Pioneer in BD | Personal Loan Conventional | 15.00% আজ হালনাগাদ | 15.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.4 | বিবরণ → | |
#9Organic Top | Pubali Bank PLC Widespread Branch Coverage | Personal Loan Conventional | 13.00% আজ হালনাগাদ | 13.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.3 | বিবরণ → | |
#10Organic Top | United Commercial Bank PLC Upay MFS Partner | Personal Loan Conventional | 13.50% আজ হালনাগাদ | 13.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.3 | বিবরণ → | |
#11Organic Top | Dhaka Bank PLC SME Growth Partner | Personal Loan Conventional | 13.50% আজ হালনাগাদ | 13.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.3 | বিবরণ → | |
#12Organic Top | Bank Asia PLC Agent Banking Leader | Personal Loan Conventional | 13.75% আজ হালনাগাদ | 13.75% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.2 | বিবরণ → | |
#13Organic Top | Premier Bank PLC High Yield Deposit | Personal Loan Conventional | 14.00% আজ হালনাগাদ | 14.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.1 | বিবরণ → | |
#14Organic Top | Sonali Bank PLC State Sovereign Backing | Personal Loan Conventional | 12.00% আজ হালনাগাদ | 12.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.1 | বিবরণ → | |
#15Organic Top | Agrani Bank PLC Rural & Agriculture Focus | Personal Loan Conventional | 12.00% আজ হালনাগাদ | 12.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.0 | বিবরণ → | |
#16Organic Top | Janata Bank PLC Government Guaranteed | Personal Loan Conventional | 12.25% আজ হালনাগাদ | 12.25% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.0 | বিবরণ → | |
#17s.44 Sponsored | bKash Limited #1 MFS Ecosystem | Personal Loan Conventional | 16.00% আজ হালনাগাদ | 16.00% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.8 | বিবরণ → | |
#18s.44 Sponsored | Islami Bank Bangladesh PLC Shariah Top Choice | Murabaha / Hire Purchase Investment 🕌 Central Shariah Board Certified (Murabaha) | 12.50% আজ হালনাগাদ | 12.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.7 | বিবরণ → | |
#19s.44 Sponsored | IDLC Finance PLC Top NBFI Deposit Yield | Personal Loan Conventional | 13.75% আজ হালনাগাদ | 13.75% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.7 | বিবরণ → | |
#20s.44 Sponsored | BRAC Bank PLC Top Rated Bank | Personal Loan Conventional | 13.50% আজ হালনাগাদ | 13.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.8 | বিবরণ → | |
#21s.44 Sponsored | Standard Chartered Bangladesh Global Banking Partner | Personal Loan Conventional | 14.50% আজ হালনাগাদ | 14.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.9 | বিবরণ → | |
#22s.44 Sponsored | Mutual Trust Bank PLC Best Service Bank | Personal Loan Conventional | 13.50% আজ হালনাগাদ | 13.50% (Interest) | N/A | BRPD 1% Prepayment Fee Cap | ★4.4 | বিবরণ → |