Grow Your Savings with Attractive Returns
Competitive interest rates on Term Deposits, DPS, and Monthly Income schemes — designed to help your money work harder for you.
View Current Rates
Built for Steady Growth
High Returns
Industry-leading interest rates up to 12.5% per annum.
Low Entry
Start with as little as BDT 10,000 for select schemes.
Flexible Tenure
Choose from 3 months to 5 years to match your goals.
100% Secure
Fully licensed and regulated by Bangladesh Bank.
Term Deposit Rate Card
Effective from 1 January 2026. Rates are subject to change as per Bangladesh Bank guidelines.
| Tenure | BDT 10,000 – 5 Lakh | BDT 5 Lakh – 25 Lakh | BDT 25 Lakh & Above |
|---|---|---|---|
| 3 Months | 8.50% | 9.00% | 9.50% |
| 6 Months | 9.25% | 9.75% | 10.25% |
| 1 Year | 10.50% | 11.00% | 11.50% |
| 2 Years | 11.00% | 11.50% | 12.00% |
| 3 Years | 11.50% | 12.00% | 12.50% |
* Interest is subject to source tax as per NBR rules. Premature encashment terms apply.
Everything You Get With a PFL FDR
Our Fixed Deposit Receipt combines premium returns with the flexibility today's savers deserve.
Open an FDRAuto-Renewal
Set once and let your deposit renew automatically at maturity.
Loan Against FDR
Borrow up to 90% of your deposit value without breaking it.
Nominee Facility
Add one or more nominees for complete peace of mind.
Interest Options
Choose monthly, quarterly, or at-maturity payout modes.
Sample Return Calculator
See what a BDT 5,00,000 deposit earns over 2 years at 11.5%.
Eligibility & Documents
Opening a PFL deposit account is quick and straightforward. Here's what you need:
- Bangladeshi citizen aged 18 years or above (minors accepted with guardian)
- Valid National ID / Smart Card / Passport copy
- Two recent passport-sized photographs
- TIN certificate for deposits above BDT 5,00,000
- Proof of source of funds (salary slip, bank statement, or business docs)
- Nominee's NID and photograph
Choose the Right Deposit Scheme
Term Deposit (FDR)
Lock-in for 3 months to 5 years and enjoy premium fixed returns with full principal protection.
Monthly Income Scheme
Receive fixed monthly interest income while your principal earns a steady return until maturity.
DPS (Deposit Pension)
Save a fixed amount every month and build a substantial corpus over 3, 5, or 10 years.
Double Money Scheme
Watch your investment double with our long-tenure compounded return scheme.
Women's Savings Plan
An exclusive high-yield scheme designed for women depositors with priority servicing.
Senior Care Deposit
Special preferential rate for depositors aged 60 and above, with quarterly payout option.
Open a Deposit in 4 Easy Steps
Visit Branch
Walk into any PFL branch or start online via our contact form.
Submit KYC
Provide your NID, photos, and required documents for verification.
Choose Scheme
Select your preferred scheme, tenure, and payout frequency.
Deposit & Confirm
Fund your deposit and receive your FDR certificate the same day.
Common Questions
Are PFL deposits insured?
Yes, PFL is a licensed financial institution regulated by Bangladesh Bank, and deposits are covered under the Deposit Insurance Scheme.
Can I withdraw before maturity?
Yes, premature encashment is allowed. However, interest will be paid at a reduced rate as per our published rules.
How is TDS deducted?
Tax at source is deducted from interest earned as per current NBR rates. A tax certificate is issued at year-end.
Can I add a nominee later?
Yes, you can add or change your nominee at any branch by submitting a nomination form with the nominee's NID.
Ready to Grow Your Savings?
Speak to our deposit specialists today and lock in a rate that works for you.