PFL Kotipati Scheme
A disciplined monthly deposit plan built with one destination in mind — becoming a crorepati. Save a fixed amount every month and let the scheme carry you to 1,00,00,000৳ at maturity.
34,700৳
1,00,00,000৳
What every Kotipati depositor gets
Key Features
Fixed Monthly Deposit
Choose an installment amount and deposit it on the same date every month.
Crore Target
Multiple installment-tenure combinations designed to reach exactly 1 crore.
Loan Facility
Borrow up to 80% of your deposited value after 3 years of regular saving.
Nominee Option
Add up to 2 nominees, with continuation benefits in unforeseen situations.
Grace Period
A short grace window each month before a missed installment is penalized.
Tax Benefit
Deposited installments qualify for investment tax rebate under NBR rules.
Anyone Can Become a Kotipati
You don't need a large lump sum to reach a crore — you need consistency. This scheme is designed for regular income earners who can commit to a fixed monthly amount.
- Salaried professionals with stable monthly income
- Parents saving for a child's future
- Business owners building a retirement fund
- Young earners starting long-term wealth building early
Different paths, same destination
Choose Your Path to 1 Crore
| Tenure | Monthly Installment | Total Deposited | Maturity Value |
|---|---|---|---|
| 10 Years | 58,400৳ | 70,08,000৳ | 1,00,00,000৳ |
| 15 Years | 34,700৳ | 62,46,000৳ | 1,00,00,000৳ |
| 20 Years | 21,900৳ | 52,56,000৳ | 1,00,00,000৳ |
| 25 Years | 14,200৳ | 42,60,000৳ | 1,00,00,000৳ |
* Highlighted 15-year plan is our most popular option — the lowest installment-to-tenure balance for most savers.
Four steps to becoming a Kotipati
How It Works
Pick Your Tenure
10, 15, 20, or 25 yearsFix Your Installment
Confirmed based on chosen tenureDeposit Monthly
Pay every month via branch or bank transferReach 1 Crore
Encash the full maturity valueWho Can Open This Scheme
- Bangladeshi nationals aged 18+
- Non-Resident Bangladeshis (NRB)
- Minors through a legal guardian's account
- Joint account holders (up to 2)
Documents Required
What happens if you miss a month
Missed Installment Policy
Within Grace Period
No penalty if paid within 10 days of the due date.
After Grace Period
Small late fee applies per missed installment.
3+ Consecutive Misses
Scheme may be closed at prevailing savings rate.
Borrow Against Your Progress
After 3 years of regular deposits, your scheme itself becomes usable collateral for urgent needs — without stopping your monthly plan.
- Loan up to 80% of deposited value
- Available only after 3 years of continuous deposit
- Loan rate: prevailing scheme rate + 2%
- Monthly deposits continue uninterrupted
Exit terms if you need to close early
Premature Encashment Rules
Before 1 Year
Deposited amount refunded, no interest paid.
1 – 5 Years
Standard savings rate applied on completed years.
After 5 Years
Proportional scheme rate minus 1% exit charge.
Tax & Regulatory Benefits
Your monthly deposits aren't just building a crore — they're also working in your favor at tax time.
- Deposits eligible for investment tax rebate under Section 44(2)
- Source tax @10% (TIN holder) / 15% (non-TIN) on interest earned
- Regulated by Bangladesh Bank & Securities Commission
- Annual deposit & interest certificate provided
Why Save With Prominent Finance
Bangladesh Bank Licensed
22+ years of regulated, trusted operation.
Dedicated Advisor
Personal support throughout your saving journey.
Nationwide Branches
Deposit and manage your scheme from 35+ locations.
Pick whichever fits your routine
Convenient Ways to Deposit
Branch Counter
Pay directly at your nearest branch.
Mobile Banking
Deposit via bKash, Nagad, or Rocket.
Standing Instruction
Auto-debit from your bank account monthly.
Nominee & Transfer Protection
Your family's continuity matters. This scheme is built to keep the plan intact even if circumstances change.
- Up to 2 nominees per account
- Nominee can continue the scheme or encash immediately
- Certificate transferable to another eligible individual
Protected by Design
Built-in continuity for your family, no extra paperwork mid-tenure.
How this scheme stacks up
Kotipati vs Regular DPS
| Aspect | Regular DPS | Kotipati Scheme |
|---|---|---|
| Target-Based Planning | Not fixed | Designed to hit exactly 1 crore |
| Maximum Tenure | Up to 10 years | Up to 25 years |
| Loan Facility | Limited | Up to 80% after 3 years |
Frequently Asked Questions
What is the minimum tenure for this scheme?
The scheme is available for tenures of 10, 15, 20, or 25 years.
Can I change my installment amount later?
Installment amount is fixed at account opening based on your chosen tenure and target.
What if I want less than 1 crore?
Smaller monthly installment plans are available for lower target amounts — ask your branch advisor.
Is the maturity amount taxable?
Interest earned is subject to applicable government tax deduction at source.
I Never Missed a Month
"I started depositing 34,700 taka every month when my daughter was born. It never felt like a big amount at the time. Fifteen years later, I collected exactly 1 crore taka — right when she was ready for university."
— Mr. Anisur Rahman, Chapainawabganj
34,700৳
Monthly Deposit1 Crore
Received15 Yrs
TenureYour Money, Fully Regulated
Licensed NBFI
Annual External Audit
Transparent Statements
24/7 Helpline Support
Not Sure Which Tenure Fits You?
Our branch advisors can calculate the exact monthly installment needed to reach 1 crore — or any custom target amount — based on the tenure that works for your life plan.
Start Your Journey to 1 Crore Today
Speak with our advisors for a free consultation and personalized deposit plan.