FDR vs DPS at a glance
Feature-first comparison
| Feature | FDR | DPS |
|---|---|---|
| Funding | Lump sum upfront | Monthly installment |
| Best for | Existing savings | Monthly saving habit |
| Main comparison | Rate + net maturity | Total deposits vs maturity |
| Early exit risk | Premature encashment | Missed installment / closure |
| Income option | Some FDRs pay periodically | Usually 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 — compare by feature
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 1m | Tk 10m |
| 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 | Tk 1m target | Tk 10m target |
* EBL Millionaire/Kotipoti publish early-closure rules that may pay no interest before one year, prevailing savings rate for 1–3 years, and the applicable product rate less 2 percentage points after three years. Verify current terms.
Tk 5,000/month example
Bank Asia published DPS illustration
| Tenure | Your deposits | Published maturity | Difference |
|---|---|---|---|
| 3 years | Tk 180,000 | Tk 210,000 | +Tk 30,000 |
| 5 years | Tk 300,000 | Tk 390,000 | +Tk 90,000 |
| 10 years | Tk 600,000 | Tk 990,000 | +Tk 390,000 |
You have a lump sum
Shortlist FDRs. Compare current rate, net maturity and premature encashment for the same tenure.
You will save monthly
DPS is the more natural fit. Check installment affordability, missed-payment rules and early closure first.
You want periodic income
Compare FDR products that specifically offer monthly or quarterly payouts.
When rates are close
Use liquidity, digital convenience, loan facility and early-exit rules as tie-breakers.
Sources & references
- BRAC Bank — Deposit Interest RateOfficial deposit-rate publication page.
- BRAC Bank — DPSStarting installment, tenure and digital-opening details.
- Bank Asia — DPSInstallment range, tenure, SOD and maturity table.
- EBL — Millionaire SchemeGoal, tenure, loan and early-closure terms.
- EBL — Kotipoti SchemeLong-term Tk 10m goal-scheme details.