2026 DPS Interest Rate Comparison (Monthly Investment of BDT 1,000)
This table shows the approximate returns at maturity for a standard BDT 1,000 monthly DPS plan. Rates are sourced from the latest 2026 data.
Good interest And DPS Details 2026:
Bank / Institution Credit Rating Interest / Profit Rate Maturity Value (5 Years) Maturity Value (10 Years) Key Feature
Mercantile Bank AA 12.00% N/A ~BDT 2,32,390 Highest interest rate offered among listed banks.
One Bank AA 11.00% N/A ~BDT 2,14,004 Very competitive long-term return.
IFIC Bank AA 10.00% N/A ~BDT 1,99,109 Fixed rate across all tenures.
Premier Bank AAA 9.75% - 10.00% N/A ~BDT 2,00,578 Top-rated safety with high returns.
Eastern Bank (EBL) AAA 9.00% - 9.25% ~BDT 76,500 ~BDT 1,94,960 Excellent balance of stability and profit.
BRAC Bank AAA 9.00% ~BDT 75,990 ~BDT 1,94,966 AAA-rated with consistent returns.
Prime Bank AA 9.00% N/A ~BDT 1,94,000 Standard rate for a strong AA bank.
Dutch-Bangla Bank AAA 7.00% ~BDT 70,000 ~BDT 1,64,128 AAA-rated for maximum security.
Note: Values are approximate, pre-tax, and sourced from financial news portals . Always confirm current rates with the bank.
Detailed Scheme Features and Options:
Beyond interest rates, here are specific DPS products with unique features for 2026.
Agrani Bank: Highest Safety with Long-Term Gains
As a state-owned bank, Agrani offers a secure option with a tiered interest structure that rewards long-term savers .
Interest Rate: 7.00% for 5-year plans and 9.00% for 10-year plans.
Example Returns (pre-tax): A BDT 1,000 monthly deposit yields ~BDT 72,011 after 5 years and ~BDT 1,94,966 after 10 years .
Best For: Savers who prioritize government-backed security and can commit to a longer tenure.
Lanka Bangla Finance: DPS with Free Life Insurance
This non-bank financial institution (NBFI) offers a unique value proposition by bundling insurance with savings .
Schemes: "Swasti" (for adults) and "Protiva" (for children, where the bank pays premiums if the guardian faces an incident).
Key Features: Flexible tenure (24-60 months), minimum installment of BDT 500, and includes free life insurance coverage.
Best For: Those looking to combine savings with family protection.
bKash & Dhaka Bank: Digital Islamic Savings
For those seeking Shariah-compliant options and maximum convenience, bKash's platform provides a fully digital solution .
Product: Weekly Islamic DPS (Mudaraba principle) from Dhaka Bank.
Key Features: Weekly installments from BDT 250 to 5,000; tenure of 6 or 12 months.
Process: Entirely paperless via the bKash app, with auto-debit and free cash-out at maturity .
Best For: Daily wage earners, low-income individuals, and anyone seeking a Shariah-compliant, convenient digital experience.
How to Choose the Right DPS for You
Since no single bank is the best for everyone, use these steps to make your decision:
Define Your Priority: Are you looking for the highest return (e.g., Mercantile, One Bank), maximum safety (Agrani, Dutch-Bangla), or a Shariah-compliant option (bKash/Dhaka Bank)?
Check Bank Stability: Look at the credit rating. AAA-rated banks (like EBL, BRAC) are considered the most stable and safest .
Calculate the Real Return: Remember that the bank's advertised rate is before tax. A source tax (10% or 15% on earned profit) and excise duty will be deducted at maturity .
Consider Convenience: For a completely hassle-free experience, digital options like the bKash app are now very advanced. You can open an account and pay installments without visiting a branch.
