এক নজরে FDR বনাম DPS
Feature-first comparison
| Feature | FDR | DPS |
|---|---|---|
| Funding | একবারে lump sum | মাসিক installment |
| Best for | Existing savings | Monthly saving habit |
| Main comparison | Rate + net maturity | Total deposit vs maturity |
| Early exit risk | Premature encashment | Missed installment / closure |
| Income option | কিছু FDR periodic payout দেয় | সাধারণত goal/maturity based |
Selected bank FDR snapshot
6-month highest FDR snapshot
| Feature | Bank Asia | BRAC Bank | MTB | EBL | City Bank |
|---|---|---|---|---|---|
| Published rate | 9.25% | 9.00% | 9.00% | 8.88% | 8.74% |
| Quick read | Higher side | Digital + branch | Peer option | Broad product range | Check current tier |
DPS product pivot — feature দিয়ে compare করুন
DPS comparison matrix
| Feature | BRAC DPS | Bank Asia DPS | EBL Millionaire | EBL Kotipoti |
|---|---|---|---|---|
| Starts from | Tk 500 | Tk 500 | Tk 1,700 | Tk 14,000 |
| Tenure | 1–10y | 3/5/7/10/12y | 3–15y | 5–20y |
| Goal | Flexible | Flexible | Tk 10 lakh | Tk 1 crore |
| Digital opening | ✓ Astha | Check | ✓ Online/branch | ✓ Online/branch |
| Loan/SOD | Check | ✓ SOD | Up to 90% | Up to 90% |
| Early closure | Check terms | Check terms | Rules apply* | Rules apply* |
| Best fit | Low-entry saver | Maturity-table user | 10-lakh target | 1-crore target |
* EBL Millionaire/Kotipoti-এর published early-closure rule: ১ বছরের আগে interest নেই; ১–৩ বছরে prevailing savings rate; ৩ বছরের পরে applicable product rate থেকে ২ percentage point কম rate প্রযোজ্য হতে পারে। Current terms অবশ্যই verify করবেন।
Tk 5,000/month example
Bank Asia published DPS illustration
| Tenure | আপনার deposit | Published maturity | Difference |
|---|---|---|---|
| 3 years | Tk 1,80,000 | Tk 2,10,000 | +Tk 30,000 |
| 5 years | Tk 3,00,000 | Tk 3,90,000 | +Tk 90,000 |
| 10 years | Tk 6,00,000 | Tk 9,90,000 | +Tk 3,90,000 |
Lump sum আছে
FDR shortlist করুন। Same tenure-এ current rate, net maturity ও premature encashment compare করুন।
Monthly saving করবেন
DPS বেশি natural fit। Installment affordability, missed-payment rule ও early closure আগে দেখুন।
Regular income চান
Quarterly/monthly payout FDR product আলাদা করে compare করুন।
Rate কাছাকাছি হলে
Liquidity, digital convenience, loan facility ও early-exit rule দিয়ে tie-break করুন।
সূত্র ও রেফারেন্স
- BRAC Bank — Deposit Interest RateOfficial deposit-rate publication page।
- BRAC Bank — DPSStarting installment, tenure ও digital opening details।
- Bank Asia — DPSInstallment range, tenure, SOD এবং maturity table।
- EBL — Millionaire SchemeGoal, tenure, loan ও early-closure terms।
- EBL — Kotipoti SchemeLong-term 1-crore goal scheme details।