Both DPS and FDR are popular, safe savings options at Bangladeshi banks — but they suit different situations.
The core difference
- DPS (Deposit Pension Scheme) — you deposit a fixed amount every month for a set term (often 3–10 years). Best if you want to build a saving habit out of your monthly income.
- FDR (Fixed Deposit Receipt) — you deposit a lump sum once and leave it for a fixed term. Best if you already have a lump sum sitting idle.
Tax and charges apply to both
For both products, the bank deducts:
- Source tax on interest — 10% if you have a TIN and file a return, otherwise 15%.
- Excise duty — a yearly charge based on your highest balance (free up to ৳3,00,000 in FY2025-26).
So the amount that reaches you is a little below the headline maturity value. Both calculators estimate this for you.
Which should you choose?
| If you… | Consider |
|---|---|
| Earn monthly and want to save steadily | DPS |
| Have a lump sum to park safely | FDR |
| Want the highest guaranteed government rate | Sanchayapatra |
Try it yourself
General guidance only, not financial advice. Rates differ by bank and change over time — confirm the latest terms before committing.