Fixed Deposit Receipts (FDRs) in Bangladesh are generally regarded as one of the most reliable and believable forms of investment throughout the country. All types of people – whether earning money through a job, self-employed or retired – can deposit funds into an FDR account and receive a fixed rate of return with minimal risk associated with the investment. As of the end of January 2026, banks offer various interest rates on FDRs based on how long you choose to leave your funds in an FDR account, the size of your initial deposit, and the financial institution you decide to deposit your funds into. It is common for banks to offer interest on FDRs between 2.75% and 11%.
This guide will provide you with the most recent interest rates from the various banks within Bangladesh that offer FDR accounts so that you can adequately compare them and determine which bank provides the best FDR product for your needs.
FDR Meaning
An FDR is a form of investment offered by a bank whereby the investor deposits a lump sum amount of money into an FDR account and the bank pays the investor interest on that amount for a specified period (i.e., 1 month, 3 months, 6 months, 1 year). Typically, the longer the amount of time you deposit your funds into an FDR account, the higher the interest rate you will receive on your FDR account.
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Latest FDR Rates in Bangladesh (2026)
Banks in Bangladesh are currently offering competitive rates, especially for short- to medium-term deposits (3–12 months). Below is a comparison of some leading banks:
FDR Interest Rate Comparison Table (2026)
| Bank Name | 1 Month | 3 Months | 6 Months | 1 Year |
| Midland Bank | 2.75% | 9.75% | 9.50% | 9.50% |
| Trust Bank | 3.00% | 8.00% | — | — |
| One Bank | 5.00% | 8.25% | 8.50% | — |
| Mutual Trust Bank (MTB) | 2.00% | 5.00% | 5.25% | 5.50% |
*Rates may vary based on deposit amount.
Top Banks Offering High FDR Rates
1. Midland Bank
As of 2026, Midland Bank stands out with very high short-term fixed deposit rates. With terms of three months or less having rates of up to nine per cent and 75 per cent, this can be an attractive choice to those looking for quick returns with short lock-in periods.
2. One Bank
The bank has offered good and stable fixed deposit rates, particularly on deposits from six months to one year, with rates of up to eight per cent and fifty per cent.
3. Trust Bank
The bank has offered good rates on smaller deposits (between two lakhs and fifty lakhs), making this bank a good choice for retail investors.
4. Mutual Trust Bank
Although rates are low compared with those of other FDs, the bank is known for its reliability and consistency of deposit products – a good choice for conservative investors.
Factors That Affect Interest Rates
Select a Fixed Deposit Rate (FDR) according to your investment objective. Rates vary by financial institution, and this will correlate to returns. Typically, longer periods will provide for a better rate of interest from banks. To obtain access to a better rate of interest from banks, an investor has access to competitive rates if depositing higher amounts ($> BDT 10,000,000) than smaller amounts. Financial institutions calculate their rate of interest and loan policy based on liquidity, monetary policy, etc.
In Bangladesh, the monetary policy gives control over interest rates on FDR, too, through the control of the Bangladesh Bank. Lastly, be sure to verify that both the rate of interest is correct as well as the bank is credible before selecting an FDR.
Lastly, when investing in FDR and setting your objectives, define if you are investing for the short or long term, you may need access to cash within 6 to 12 months after investing, whether the bank has a sound financial foundation, and if you will be subject to penalties for early withdrawal from FDR before the maturity of the investment.
To maximizing your potential return on investment: use Ladder accounts to create both longer and shorter term investment options; keep comparing interest rates (interest rates are changing constantly!); negotiate with your bank higher interest rate on your large deposits; and utilize comparison websites that will allow you to quickly find the best rate.
