Investment Products

PFL Yearly Income Investment

A premium fixed-tenure investment plan that pays guaranteed yearly income to help you meet annual expenses — school fees, insurance premiums, tax payments or family holidays — while your principal stays safe and secure.

11.25%

Annual Return

1–5 Yrs

Tenure

50,000

Min. Deposit

Key Features

Everything designed for stable, predictable annual income

Capital Protected

Your principal is 100% safe. Full amount refunded at maturity along with the final year's interest.

Yearly Payout

Interest credited directly to your account every 12 months on the anniversary date.

High Return

Rate up to 11.25% p.a. — significantly higher than regular fixed deposits or savings.

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 in unforeseen situations.

Perfect for Annual Financial Goals

PFL Yearly Income is designed for people who need predictable, once-a-year cash inflow to meet planned annual obligations without touching their savings.

School & university fees paid annually
Insurance premium renewals
Annual family vacations or Hajj/Umrah
Property tax & utility lump payments
Zakat & charitable yearly donations

Interest Rate Structure

Higher tenure, higher return

Tenure	General Rate	Senior Citizen (60+)	Premium Deposit (10 Lac+)
1 Year	9.75%	10.00%	10.25%
2 Years	10.25%	10.50%	10.75%
3 Years	10.75%	11.00%	11.25%
4 Years	11.00%	11.25%	11.50%
5 Years	11.25%	11.50%	11.75%

Sample Yearly Income Chart

Estimated annual payout at 11.25% p.a. for 5-year tenure

Investment Amount	Yearly Income	Monthly Equivalent	Total Interest (5 Yrs)
1 Lac	11,250	937	56,250
5 Lac	56,250	4,687	2,81,250
10 Lac	1,12,500	9,375	5,62,500
25 Lac	2,81,250	23,437	14,06,250
50 Lac	5,62,500	46,875	28,12,500

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 Yearly

Interest credited every 12 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

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

Peace of Mind, Every Year

"I invested 15 Lac in PFL Yearly Income for 5 years. Every anniversary I receive 1,68,750 taka directly to my account — enough to cover my two kids' annual school fees without touching my savings. The principal is safe and I know exactly what's coming each year."

— Dr. Kamruzzaman, Mirpur

15 Lac

Invested

1.68 L

Yearly Income

5 Yrs