Investment Products

PFL Quarterly Income Investment

Earn a stable, guaranteed income every quarter without touching your principal. A perfect solution for those who want a fixed cash flow every 3 months to manage household expenses, tuition, or business needs.

10.5%

Annual Return

1–5 Yrs

Tenure

50,000

Min. Deposit

Key Features

Everything designed for stable, predictable quarterly income

Capital Protected

Your principal remains 100% safe. Full amount refunded at maturity.

Quarterly Payout

Interest credited directly to your account every 3 months.

Competitive Return

Rate up to 10.5% p.a. — higher than regular fixed deposits.

Loan Facility

Take a loan of up to 90% against your investment without breaking it.

Auto Renewal

Choose to auto-renew at maturity at the prevailing rate — no paperwork needed.

Nominee Option

Add up to 2 nominees for hassle-free transfer to family members.

Perfect for Regular Financial Commitments

PFL Quarterly Income is designed for people who need frequent, predictable cash inflow to meet recurring obligations without dipping into savings.

Household & utility recurring expenses
Business working capital top-ups
Rent & installment payments
Medical & insurance quarterly premiums
Retirement income supplement

Interest Rate Structure

Higher tenure, higher return

Tenure	General Rate	Senior Citizen (60+)	Premium Deposit (10 Lac+)
1 Year	9.00%	9.25%	9.50%
2 Years	9.50%	9.75%	10.00%
3 Years	10.00%	10.25%	10.50%
4 Years	10.25%	10.50%	10.75%
5 Years	10.50%	10.75%	11.00%

Sample Quarterly Income Chart

Estimated quarterly payout at 10.5% p.a. for 5-year tenure

Investment Amount	Quarterly Income	Yearly Income	Total Interest (5 Yrs)
1 Lac	2,625	10,500	52,500
5 Lac	13,125	52,500	2,62,500
10 Lac	26,250	1,05,000	5,25,000
25 Lac	65,625	2,62,500	13,12,500
50 Lac	1,31,250	5,25,000	26,25,000

Eligibility & Documents

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

NID / Passport / Birth Certificate
Recent passport-size photograph (2)
TIN certificate (for above 2 Lac)
Nominee NID & photograph
Source of fund declaration

How It Works

Simple 4-step process

1

Choose Tenure

Pick 1 to 5 years based on your goal

2

Deposit Amount

Minimum 50,000, no upper limit

3

Earn Quarterly

Interest credited every 3 months

4

Maturity

Get full principal back or renew

Tax & Regulatory Benefits

Enjoy compliant, transparent investing with clear tax treatment as per Bangladesh NBR guidelines.

Investment eligible for tax rebate under Section 44(2)
Source tax @10% (TIN holder) / 15% (non-TIN) on interest
Regulated by Bangladesh Bank & Securities Commission
Certificate & tax statement issued annually
Fully compliant with AML/CFT rules

Loan Against Your Investment

Need emergency 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
Repay flexibly — bullet or EMI

Up to 90%

Instant Loan Against Deposit

Premature Encashment Rules

Access your money anytime with transparent terms

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.

Investor Story

Reliable Income, Every Quarter

"I invested 10 Lac in PFL Quarterly Income for 3 years. Every quarter I receive 26,250 taka directly to my account — it covers my kids' tuition and household bills without touching my main savings. The process was simple and the certificate gives me full peace of mind."

— Mrs. Nasrin Akter, Rajshahi

10 Lac

Invested

26,250

Quarterly Income

3 Yrs