Saving money every month is a smart way to prepare for the future. In Bangladesh, many banks offer Monthly Savings Schemes (MSS) to help people grow their savings with regular deposits. These savings plans give a fixed interest rate, and the total money increases over time. Different banks offer different interest rates, deposit amounts, and terms, so it’s important to choose the best option.
In 2025, some of the top banks offering high interest rates on monthly savings schemes include AB Bank, ONE Bank, National Bank, and Dhaka Bank. Interest rates range from around 9% to as high as 12.5% per year. Some banks also allow you to take a loan against your savings if needed.
These savings plans are useful for people who want to save a fixed amount every month for 1 to 10 years or more. At the end of the term, you get your savings along with the earned interest. This helps in achieving financial goals like education, marriage, or buying a house. In this guide, we will look at the best monthly savings schemes in Bangladesh and compare their features and benefits.
Contents
- 1 Top Monthly Savings Schemes in Bangladesh
- 1.1 AB Bank PLC – Monthly Savings Deposit Scheme (MSDS)
- 1.2 ONE Bank PLC – Monthly Money Maker
- 1.3 National Bank Limited (NBL) – Monthly Savings Scheme
- 1.4 BASIC Bank Limited – Monthly Savings Scheme
- 1.5 Dhaka Bank – Special Deposit Scheme
- 1.6 NCC Bank – Parama Monthly Savings Scheme
- 1.7 Jamuna Bank – Rural Deposit Scheme
- 2 Conclusion
Top Monthly Savings Schemes in Bangladesh
Saving a fixed amount every month is a great way to build a strong financial future. Many banks in Bangladesh offer Monthly Savings Schemes with attractive interest rates and flexible terms. Below is a list of the top banks offering the best monthly savings plans in 2025, along with their key features and benefits.
AB Bank PLC – Monthly Savings Deposit Scheme (MSDS)
- Interest Rates:
- 1 to 10 years: 11.00% p.a.
- 11 to 20 years: 11.00% p.a.
- Monthly Installment Options: BDT 500 to BDT 10,000
- Maturity Amount:
- For BDT 500/month over 1 year: BDT 6,362
- For BDT 1,000/month over 10 years: BDT 215,922
- Loan Facility: Available up to 80% of the deposit amount
- Special Scheme: AB Jonmobhumi MSDS offers an additional 0.50% interest rate for Non-Resident Bangladeshis (NRBs)
Click here to check latest interest rates.
ONE Bank PLC – Monthly Money Maker
- Interest Rates:
- 1 Year: 11.50% p.a.
- 3 Years: 12.00% p.a.
- 5 Years: 12.50% p.a.
- Deposit Amount: Multiples of BDT 50,000
- Interest Payout: Monthly, credited to a linked savings/current account
- Tax Deduction: 10% or 15% at source, depending on the individual’s tax status
Click here to check latest interest rates.
National Bank Limited (NBL) – Monthly Savings Scheme
- Interest Rates:
- 3 Years: 11.00% p.a.
- 5 Years: 11.25% p.a.
- 8 Years: 11.50% p.a.
- 10 Years: 11.75% p.a.
- Monthly Installment: Starting from BDT 100
- Maturity Amount:
- For BDT 100/month over 10 years: BDT 22,129.77
- For BDT 100,000/month over 10 years: BDT 2,212,977.32
- Loan Facility: Available up to 80% of the deposit amount
BASIC Bank Limited – Monthly Savings Scheme
- Interest Rates:
- 1 Year: 8.50% p.a.
- 2 Years: 8.75% p.a.
- 3 Years: 9.00% p.a.
- 4 Years: 9.25% p.a.
- 5 Years: 9.50% p.a.
- Monthly Installment: BDT 500 to BDT 20,000
- Loan Facility: Up to 80% of the deposit amount
- Interest Calculation: Yearly compounding method
Dhaka Bank – Special Deposit Scheme
- Interest Rates:
- 1 Year: 9.00% p.a.
- 2 Years: 9.50% p.a.
- 3 Years: 10.00% p.a.
- 13 Months: 11.40% p.a.
- Deposit Amount: BDT 100,000 to BDT 10,000,000
- Monthly Gross Return: Up to BDT 950 per lakh
- Loan Facility: Overdraft up to 80% of the total deposit
NCC Bank – Parama Monthly Savings Scheme
- Interest Rates: Prevailing NCC Bank DPS rate + 0.5%
- Monthly Deposit: BDT 500 to BDT 25,000
- Tenure: 3, 5, 8, or 10 years
- Eligibility: Exclusively for female residents with CASA accounts in NCC Bank
- Loan Facility: Up to 90% of the deposited amount
Jamuna Bank – Rural Deposit Scheme
- Interest Rate: 9.00% p.a.
- Monthly Deposit: BDT 500 or multiples
- Tenure: 3 to 18 years
- Maturity Amount:
- For BDT 500/month over 3 years: BDT 20,575
- For BDT 500/month over 15 years: BDT 189,200
Conclusion
Monthly Savings Schemes (MSS) are a smart and simple way to grow your money over time. These savings plans are offered by many banks in Bangladesh and are designed to help people save a fixed amount every month. In return, banks give a good interest rate on the total amount, which helps your savings grow slowly but steadily.
In 2025, many banks like AB Bank, ONE Bank, National Bank, and Dhaka Bank are offering attractive monthly savings plans with interest rates ranging from around 9% to 12.5%. Some banks also give extra benefits like loan options, higher rates for longer terms, or special plans for women and non-resident Bangladeshis (NRBs). This makes it easier for people to choose a plan that suits their personal needs.
The biggest advantage of these schemes is that you don’t need a large amount of money to start. Even with a small monthly deposit, you can build up a good amount over time. This makes it perfect for salaried people, students, homemakers, or anyone who wants to save for future goals like education, marriage, or buying a home.
Before choosing a scheme, it is important to compare interest rates, deposit amounts, time periods, and other terms and conditions. Also, check if the bank offers flexibility or loan support in case you need money before the plan ends.
In short, a Monthly Savings Scheme is a great way to build your future in a planned and safe manner. It teaches you financial discipline and helps you achieve your dreams step by step. So, take time to understand your options and choose the best savings scheme that works for you. Your future self will thank you!