FDR Calculator
এফডিআর ক্যালকুলেটর
Estimate the maturity and interest on a Fixed Deposit Receipt (FDR), including a source-tax and excise-duty estimate for what actually reaches you.
Assumptions used
- Interest compounds at the chosen frequency (banks often compound quarterly).
- The full deposit stays untouched for the whole tenure.
- Source tax on interest is 10% with a TIN / 15% without (toggle).
- Excise duty uses FY2025-26 slabs and is charged yearly on the highest balance.
Good to know
What actually reaches you
Your bank deducts source tax on the interest and a yearly excise duty based on your balance, so the net maturity is a little below the gross figure. Premature encashment usually lowers the rate too.
Rates and tax can change
FDR rates differ by bank and tenure, and tax/excise rules are set each year by the Finance Act / NBR. We use FY2025-26 figures — confirm the current numbers with your bank.
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OpenFrequently asked questions
Is FDR interest taxed in Bangladesh?
Yes. Banks deduct source tax on FDR interest — 10% if you have a TIN and file a return, otherwise 15%. A yearly excise duty also applies based on your balance.
How is FDR maturity calculated?
Maturity = Deposit × (1 + rate/(100 × n))^(n × years), where n is the compounding frequency per year. Interest is the maturity minus your deposit.
Results are estimates for general guidance only and are not financial advice. Rates, tax rules and product terms change — always confirm the latest figures with your bank or Bangladesh Bank / National Savings before making a decision.