Fixed Deposits (FDs) are a very popular way for people in Bangladesh to save their money. When you put your money in a fixed deposit, you agree not to use it for a certain period. In return, the bank gives you interest. The longer you keep your money in the bank, the more interest you usually earn.
In 2025, many banks in Bangladesh are offering attractive interest rates for fixed deposits. This article explains what fixed deposits are, why they are useful, and lists the top 10 banks offering the best fixed deposit interest rates in Bangladesh in 2025. We will also give you links to resources where you can check updated rates.
Contents
What is a Fixed Deposit?
A fixed deposit is a type of bank account where you put a certain amount of money for a fixed time. You cannot withdraw this money before the end of the term without a penalty. In return, the bank pays you interest.
For example, if you put BDT 100,000 in a 1-year fixed deposit at a 10% interest rate, you will earn BDT 10,000 in interest after one year.
Why Choose a Fixed Deposit?
- Safe Investment: Fixed deposits are very safe. Your money is protected.
- Better Returns: FD interest rates are usually higher than savings accounts.
- No Market Risk: Unlike shares or mutual funds, fixed deposits do not lose value.
- Easy to Open: You can open a fixed deposit in any bank with a small amount.
Top 10 Banks with Highest Fixed Deposit Interest Rates in 2025
Here are the banks in Bangladesh that are offering the best fixed deposit interest rates in 2025:
1. NRB Commercial Bank Limited (NRBC Bank)
- Interest Rate: Up to 13.46%
- Special Offer: Monthly income schemes and flexible terms.
2. National Bank Limited (NBL)
- Interest Rate: Up to 13.40%
- Details: High-rate schemes for 1-year term deposits.
3. EXIM Bank
- Interest Rate: Up to 11.50%
- Details: Various term options for better returns.
4. Global Islami Bank
- Interest Rate: Up to 11.00%
- Details: Profit-sharing Islamic deposit schemes.
5. IFIC Bank
- Interest Rate: Up to 10.50%
- Details: Fixed deposits from 3 months to 1 year.
6. Mercantile Bank
- Interest Rate: Up to 10.50%
- Details: Daily interest basis and long-term FDs.
7. Uttara Bank
- Interest Rate: Up to 10.50%
- Details: Reliable and high-paying FD schemes.
8. Padma Bank
- Interest Rate: Up to 10.00%
- Details: Monthly and quarterly income plans.
9. Trust Bank
- Interest Rate: Up to 10.00%
- Details: Fixed Deposit and Double Money Scheme.
10. Social Islami Bank (SIBL)
- Interest Rate: Around 9.50%
- Details: Islamic Mudaraba deposit plans.
Factors That Affect Interest Rates
Interest rates on fixed deposits may change due to:
- Bangladesh Bank Policy: When the central bank changes its rates, other banks follow.
- Inflation: If prices go up, banks may offer more interest to attract savers.
- Bank’s Needs: Some banks need more money, so they offer better rates.
- Tenure and Amount: Longer deposits and larger amounts often earn more interest.
How to Choose the Best Fixed Deposit
- Compare Rates: Look at different banks and see who gives the best rate.
- Choose the Right Tenure: Don’t lock your money for too long if you may need it soon.
- Check Terms: Some banks charge penalties for early withdrawal.
- Bank’s Reputation: Choose a well-known and trusted bank.
Useful Resources
Here are some websites where you can check and compare FD rates in Bangladesh:
- Bangladesh Bank Official Website
- FD Interest Calculator
- Individual bank websites like:
Final Thoughts
Fixed deposits are a great way to save and grow your money safely. In 2025, many Bangladeshi banks are offering high interest rates, which is good news for savers. Before you open a fixed deposit, compare rates, read the terms carefully, and choose a bank you trust. Whether you want monthly income or long-term savings, fixed deposits are a smart financial choice.
Always check the bank’s latest rates as they may change due to economic conditions. Stay informed and make the best decision for your financial future.
Disclaimer: The interest rates mentioned in this article are based on available information in 2025 and may change. Please contact the respective bank for the most accurate and updated rates.