BangladeshiBank

DPS calculator

See what a deposit pension scheme pays at maturity: what you put in, the interest it earns, and the tax taken from it.

Loan EMI DPS Fixed deposit
৳
%
months
%

For August 2026, banks reported one year fixed deposits at 0.10 to 12.50% and savings accounts at 0.04 to 10.50%. Compare every bank

At maturity, after tax

৳3,71,954

You deposit
৳3,00,000
Interest earned
৳79,949
Tax deducted
- ৳7,995
You receive
৳3,71,954

What a DPS is

A DPS, or deposit pension scheme, is a monthly savings plan: the same amount goes in every month, and at the end of the term you receive the deposits and the interest together. This calculator assumes each deposit is made at the start of the month and interest is added monthly. A bank that credits interest differently will give a slightly different figure.

Tax and excise duty

Banks deduct tax at source from deposit interest, usually 10% if the bank holds your TIN and 15% if it does not. Change the figure above if yours differs. Banks also take a yearly excise duty set by the government on the account balance, which is not included here.

Closing a DPS early

Close a DPS before it matures and most banks pay a lower rate, sometimes only the savings account rate, and a missed instalment can carry a penalty. Check the bank's terms before you open one.

An estimate, not an offer. Banks round, charge fees and time their payments in their own ways, so the figure on your contract can differ a little. Ask the bank for its own schedule before you sign.