If you have Tk 1 lakh to Tk 25 lakh lying idle in a savings account earning little interest, 2026 is indeed a good year to move that money to a fixed deposit. Aggressive race of commercial banks to attract deposits is keeping the interest rates of Fixed Deposit Receipts (FDRs) at record high throughout the market, as the Bangladesh Bank’s contractionary monetary policy has kept the repo rate at 10 per cent.
In 2025, the national average rate for deposit interest stood at 9.35 per cent, higher than 8.52 per cent in 2024. Some top private banks are offering even higher rates of interest on some tenures. Here is the list of the best FDR rates by bank now available in Bangladesh.
Why are FDR rates at decade highs?
Bangladesh Bank has tightened liquidity in the market as inflation hovered around 8-9 per cent for a continued period. So banks have had to pay more to the public to get deposits so they can meet their lending targets and maintain their own levels of liquidity. Thus, the cutthroat competition for deposits. It is an opportunity for savers to lock in returns well above inflation with very little risk.
Best Banks For FDR In Bangladesh 2026 Rates Comparison
1. Pubali Bank – 9.75% (Market Leader)
Currently, Pubali Bank offers the most attractive rates for FDR & savings schemes compared to other first-generation private sector banks of Bangladesh. Their standard FDR rates are 8.50% for 3-month and 100-day deposits, 8.75% for 6-month deposits and the highest standard rate of 9.00% for 12-month and longer tenures.
The returns are even higher for investors willing to establish special schemes. Pubali Monthly Profit-Based FDR (minimum Tk 1 lakh) at 7.50% interest for 3 and 5-year terms. Pubali Swadhin Sanchaya and Pubali Shawpna Puran schemes provide an effective rate of 9.50%. Senior citizens can get maximum benefits under the Senior Citizen Pubali Deposit Scheme (SCPDS) and the People’s Pubali Pension Scheme with an effective rate of 9.75%.
For depositors outside Dhaka, Pubali Bank is a good choice to access the branch of the largest private commercial bank in Bangladesh, with over 500 branches and the largest real-time centralised online banking network in the country.
Best for: Seniors, long-term depositors and those who want the highest rate from a financially sound private bank.
2. BRAC Bank – Up to 9.50% (Most Trusted Bank)
BRAC Bank’s Retail and Probashi Monthly Interest FD offers 9.25% for 6-month tenures, 9.50% for 12, 14 and 18-month tenures and 9.00% for 24, 36, 60 and 84-month tenures. From early 2026, these rates will make BRAC Bank one of the best options for depositors looking for high returns without compromising on institutional safety.
CRAB has rated BRAC Bank AAA, and it is the only bank in Bangladesh with a sovereign‐equivalent credit rating from Moody’s and S&P – a big comfort for depositors with larger amounts. It is possible to open and manage FDRs digitally from Tk 50,000 on the bank’s Astha app.
Best for: Customers who want the security of an institution with higher returns, and the convenience of managing their FDR via a mobile app.
3. Prime Bank – DPS and FDR 9.00% – 9.50%
Prime Bank has different types of deposits and DPS normally from 9.00% to 9.50% with the support of a sound financial position. More aggressive in 2026, Prime Bank has been luring retail depositors with attractive rates on FDRs and monthly savings schemes. Moreover, it has a digital platform called PrimeAgrim where customers can easily open an account and manage FDRs.
Best for: Salaried professionals or those seeking the best of both worlds: competitive rates and digital convenience.
4. Midland Bank Digital FDR – Rates that Beat the Market
If you’re happy to go online first and are a tech-savvy investor, then Digital FDR from Midland Bank is worth a look. It might offer a better return than the standard deposit accounts at the bank branch. Midland Bank has a weaker branch network than Pubali or BRAC, but it has a digital FDR channel targeted at retail depositors with premium rates.
Best for: Digital-first depositors who want a rate over branch access.
5. Bank Asia – 5.25% – 7.50% (Flexible & Accessible)
Bank Asia’s interest rates on FDR are 5.25% to 7.50%, depending on the duration of the deposit. Mobile app for account management. Easy. While the rates are not the highest, Bank Asia is a safe bet for depositors who want easy access and flexible tenure options without having to lock into the longer terms required by the highest-rate schemes.
Best for: Depositors looking for flexibility and digital access without having to lock in their money for a long duration.
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What do you earn? A Real-World Example
Pubali Bank’s FDR rate for 12 months deposit is 9.00% per annum:
Interest on Tk 1 lakh in 12 months is about Tk 9,000. Interest on Tk 5 lakh is about Tk 45,000. Interest on Tk 10 lakh is around Tk 90,000. Interest on Tk 25 lakh is around Tk 2,25,000
If you invest 25 lakh taka in BRAC Bank at a monthly interest rate of 9.50% for 12 months, you will get an income of around 2,37,500 taka every month, which is perfect for depositors who want to earn a regular income from their fixed deposit.
Note: All profits on bank FDR are subject to 10% of source tax on interest income. Real after-tax returns will be less. * Please consult your bank for accurate calculations.
Important Tips for Opening an FDR: Hurry before the rates fall. Bangladesh’s repo rate is expected to be around 8% by the end of the current quarter, and longer-term estimates suggest it will go lower, implying the current rate environment may not last. Secure today’s high rates with an FDR of 12 months or above.
* Negotiate for bigger deposits. If you are depositing Tk 10 lakh or more, you can try to negotiate a little higher than the standard published offer directly with the branch manager.
Check the payout table. For regular income, monthly interest payments are good. For those who want to maximise total returns at maturity, annual compounding is a good choice. Both Pubali and BRAC Bank offer a monthly payout option for FDR.
Get rates now. The banks in Bangladesh change the rate of FDRs every month according to the monetary policy of the Bangladesh Bank. Always check the exact rate when you open at your chosen bank, as published rates vary.
2026 is one of the best times for fixed deposit investors in Bangladesh in recent years as private banks are now aggressively competing for deposits with rates at multi-year highs.
