PFL Monthly Income Investment
Turn your savings into a reliable monthly paycheck. Deposit once and receive guaranteed income every single month — ideal for meeting rent, groceries, tuition, or daily household expenses without disturbing your principal.
9.75%
Annual Return1–5 Yrs
Tenure1 Lac
Min. Deposit
Built for those who need cash flow every single month
Key Features
Monthly Payout
Fixed income credited to your account on the same date every month.
Principal Protected
Full deposit amount returned safely at the end of your chosen tenure.
Loan Facility
Borrow up to 90% against your deposit anytime without breaking it.
Nominee Transfer
Add up to 2 nominees for smooth, hassle-free fund transfer.
Auto Renewal
Renew automatically at maturity at the prevailing rate.
Tax Benefit
Eligible for investment tax rebate under existing NBR rules.
Perfect for Everyday Financial Needs
PFL Monthly Income is built for people who want their money to work exactly like a salary — arriving every month, reliably.
- Retired individuals needing a pension-like income
- Housewives managing monthly household budgets
- Parents covering monthly tuition & coaching fees
- Small business owners needing predictable cash flow
Choose a tenure that fits your goal
Interest Rate Structure
1 Year
2 Years
3 Years
5 Years
* 4-year tenure also available at 9.65% general rate — contact your nearest branch for details.
Estimated monthly payout at 9.75% p.a. for 5-year tenure
Sample Monthly Income Chart
* Figures shown are indicative estimates based on 9.75% annual rate for 5-year tenure.
Choose Your Tenure
1 Year
8.50% Return2 Years
9.00% Return3 Years
9.50% Return5 Years
9.75% ReturnHow It Works
Simple 4-step process
Choose Tenure
Pick 1 to 5 years based on your goalDeposit Amount
Minimum 1 Lac, no upper limitEarn Monthly
Interest credited every monthMaturity
Get full principal back or renewEligibility & Documents
Who Can Invest
- Bangladeshi nationals aged 18+
- Non-Resident Bangladeshis (NRB)
- Minors through legal guardian
- Joint account holders (up to 3)
Documents Required
- NID / Passport / Birth Certificate
- Recent passport-size photograph (2)
- TIN certificate (for above 2 Lac)
- Nominee NID & photograph
Loan Against Your Investment
Need urgent cash? No need to break your investment and lose interest. 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
Frequently Asked Questions
What is the minimum investment amount?
The minimum investment amount for this scheme is 1,00,000 taka.
When will I receive my first payout?
Your first monthly income is credited exactly one month after account opening.
Can I withdraw before maturity?
Yes, premature encashment is allowed after 6 months with applicable terms.
Is the income taxable?
Income is subject to applicable government tax deduction at source.
A Paycheck I Can Count On
"I invested 8 Lac in PFL Monthly Income for 3 years. Every month I get 6,333 taka straight into my account — it covers my grocery and utility bills completely. I don't have to think about it, it just arrives like clockwork."
— Mr. Aminul Islam, Chapainawabganj
8 Lac
Invested6,333
Monthly Income3 Yrs
TenureStart Earning Every Month, Starting Next Month
Speak with our advisors for a free consultation and personalized monthly income projection.
Talk to an Advisor