PFL Half Yearly Income Investment
Receive a solid income twice a year — timed perfectly for festival expenses, mid-year business needs, or planned family costs, while your full principal stays protected.
10.0%
Annual Return1–5 Yrs
Tenure75,000
Min. Deposit
Built for twice-a-year financial planning
Key Features
Semi-Annual Payout
Interest credited every 6 months on a fixed schedule.
Principal Protected
Full deposit refunded safely at the end of tenure.
Loan Facility
Borrow up to 90% against your deposit anytime.
Nominee Option
Add up to 2 nominees for smooth transfer.
Auto Renewal
Renew automatically at the prevailing rate.
Tax Benefit
Eligible for investment tax rebate under NBR rules.
Perfect for Bi-Annual Expenses
PFL Half Yearly Income matches naturally with expenses that come around twice a year.
- Eid & festival season expenses
- Semester-wise tuition & admission fees
- Business seasonal working capital
- Property tax half-yearly installments
Choose a tenure that fits your goal
Interest Rate Structure
8.75%
9.25%
9.75%
9.90%
10.00%
* Senior citizens and premium depositors (10 Lac+) get an additional 0.25% – 0.50% above these rates.
Estimated payout at 10.00% p.a. for 5-year tenure
Sample Half Yearly Income Chart
| Investment Amount | Half Yearly Income | Yearly Income | Total Interest (5 Yrs) |
|---|---|---|---|
| 1 Lac | 5,000 | 10,000 | 50,000 |
| 5 Lac | 25,000 | 50,000 | 2,50,000 |
| 10 Lac | 50,000 | 1,00,000 | 5,00,000 |
| 25 Lac | 1,25,000 | 2,50,000 | 12,50,000 |
| 50 Lac | 2,50,000 | 5,00,000 | 25,00,000 |
Simple 4-step process
How It Works
Choose Tenure
Pick 1 to 5 years based on your financial goal.
Deposit Amount
Minimum 75,000 taka, no upper limit.
Earn Every 6 Months
Interest credited automatically twice a year.
Maturity
Receive full principal back or auto-renew.
Who Can Invest
- Bangladeshi nationals aged 18+
- Non-Resident Bangladeshis (NRB)
- Minors through legal guardian
- Joint account holders (up to 3)
- Registered companies & societies
Documents Required
Loan Against Your Investment
Need urgent cash? No need to break your investment. Take an instant loan up to 90% of your deposit value.
- Loan up to 90% of investment amount
- Interest rate: your deposit rate + 2%
- Approved within 24 hours
- Investment continues to earn full rate
Access your money anytime with transparent terms
Premature Encashment Rules
Before 6 Months
Only principal refunded. No interest paid.
6 – 12 Months
Savings rate (4.5%) applicable on completed period.
After 1 Year
Applicable rate of completed year minus 1% penalty.
Timed Perfectly for My Needs
"I invested 12 Lac in PFL Half Yearly Income for 3 years. Every 6 months I get 58,500 taka — one payout covers Eid expenses, the other covers my son's semester fees. It's exactly the rhythm my finances needed."
— Mr. Habibur Rahman, Rajshahi
12 Lac
Invested58,500
Half Yearly Income3 Yrs
TenurePlan Your Bi-Annual Income Today
Speak with our advisors for a free consultation and personalized income projection.
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