FDR vs DPS Comparison Engine
দুই ধরনের savings pattern একই জায়গায় তুলনা করুন। Bank rate বদলায়, তাই rate editable রাখা হয়েছে।
| Metric | FDR | DPS |
|---|---|---|
| Total deposited | ||
| Gross maturity | ||
| Estimated profit | ||
| Net after profit tax/charge |
FDR assumes monthly compounding. DPS assumes each monthly installment compounds for its remaining months. This is an estimate; bank product rules may differ.
Current Bangladesh rate context
Bank Asia's official deposit-rate page is effective 4 August 2026. BRAC Bank's published Bangladesh-Bank-derived May 2026 six-month-highest-FDR table shows examples including Bank Asia 9.25%, BRAC Bank 9.00%, EBL 8.88%, MTB 9.00% and City Bank 8.74%. These are reference points, not a promise that every deposit amount or tenure receives that rate.
How to choose
FDR: useful when you already have a lump sum. DPS: useful when you are building savings from monthly income. Compare liquidity, premature encashment, missed-installment rules and tax—not only maturity value.