DPS of All Bangladeshi Banks – Features, Interest Rates & Comparison (2025)
A Deposit Pension Scheme (DPS) is a fixed monthly deposit plan where individuals save a certain amount every month for a specific tenure, typically ranging from 3 to 10 years. At the end of the term, the depositor receives a matured amount with interest, making it an excellent tool for long-term savings, retirement planning, or funding future goals like education or housing.
Discover all DPS (Deposit Pension Scheme) features, interest rates, and maturity values offered by top Bangladeshi banks, including EBL, DBBL, BRAC Bank, and more. Start your savings journey today!
Benefits of Opening a DPS Account in Bangladesh
✔️ Disciplined and long-term savings
✔️ Attractive interest rates
✔️ Option for personal or family financial planning
✔️ Loan facility against deposited amount (in many banks)
✔️ Some DPS accounts come with life insurance coverage
EBL Secure DPS (Deposit Pension Scheme) – Features, Benefits, and Maturity Value Table
Eastern Bank Limited (EBL) offers a unique savings plan called EBL Secure DPS—a smart Deposit Pension Scheme designed to ensure financial security and future savings. This product also includes built-in life insurance coverage, offering peace of mind alongside a disciplined savings habit.
Key Features of EBL Secure DPS
Built-in Life Insurance Coverage
- Each monthly installment includes life insurance coverage.
- In the unfortunate event of the depositor’s death (excluding cases such as pre-existing illness, AIDS, suicide, murder, war-related incidents, etc.), the full maturity amount will be paid—even if only a single installment has been deposited.
- The insurance is provided by MetLife ALICO, one of the world’s leading insurance companies.
- EBL acts only as the policyholder on behalf of the customer. Claims are subject to the terms and conditions of the master group insurance policy by MetLife ALICO.
Other Key Features
|
Feature |
Details |
|
Tenure |
5 years (fixed) |
|
Eligibility |
Bangladeshi citizens aged 18 to 55 years |
|
Monthly Installments |
Tk. 500 to Tk. 13,000 (in multiples of Tk. 500) |
|
Multiple Accounts |
Allowed, but total monthly installment must not exceed Tk. 13,000 |
|
Payment Mode |
Automatic monthly installment deduction |
|
Account Closure |
Account will be closed if 3 consecutive installments remain unpaid |
|
Loan Facility |
Up to 90% of the deposited amount available as loan |
|
Early Encashment |
- Before 1 Year: No interest
- After 1–3 Years: Interest at EBL’s prevailing savings rate
- After 3 Years: Interest at Secure DPS rate |
Maturity Value Table (Before Tax)
|
Monthly Installment |
Maturity Amount (5 Years) |
Monthly Installment |
Maturity Amount (5 Years) |
|
Tk. 500 |
Tk. 36,973 |
Tk. 7,000 |
Tk. 517,623 |
|
Tk. 1,000 |
Tk. 73,946 |
Tk. 7,500 |
Tk. 554,596 |
|
Tk. 1,500 |
Tk. 110,919 |
Tk. 8,000 |
Tk. 591,569 |
|
Tk. 2,000 |
Tk. 147,892 |
Tk. 8,500 |
Tk. 628,542 |
|
Tk. 2,500 |
Tk. 184,865 |
Tk. 9,000 |
Tk. 665,515 |
|
Tk. 3,000 |
Tk. 221,838 |
Tk. 9,500 |
Tk. 702,488 |
|
Tk. 3,500 |
Tk. 258,811 |
Tk. 10,000 |
Tk. 739,461 |
|
Tk. 4,000 |
Tk. 295,784 |
Tk. 10,500 |
Tk. 776,434 |
|
Tk. 4,500 |
Tk. 332,757 |
Tk. 11,000 |
Tk. 813,407 |
|
Tk. 5,000 |
Tk. 369,730 |
Tk. 11,500 |
Tk. 850,380 |
|
Tk. 5,500 |
Tk. 406,703 |
Tk. 12,000 |
Tk. 887,354 |
|
Tk. 6,000 |
Tk. 443,677 |
Tk. 12,500 |
Tk. 924,327 |
|
Tk. 6,500 |
Tk. 480,650 |
Tk. 13,000 |
Tk. 961,300 |
Why Choose EBL Secure DPS?
- Guaranteed savings with insurance safety net
- Easy and automated monthly payments
- Flexibility to choose installment amount
- Loan facility against savings
- Trusted partner in savings and insurance: EBL & MetLife ALICO
How to Open an EBL DPS Account?
Visit your nearest EBL branch or apply online through the official website. You will need:
- Valid NID
- Passport-size photograph
- Nominee details
- Bank account for auto-deduction
Final Thoughts
EBL Secure DPS is an ideal choice for individuals looking to build future financial stability with the added security of life insurance. Whether you’re saving for retirement, your child’s education, or a future investment, this DPS offers a disciplined and risk-covered plan.
Insurance Features
 |
The monthly installments have built-in life insurance coverage which assures the maturity value of the deposit in case of the depositor’s death due to any cause (excluding pre-existing illness/disability, AIDS, suicide, murder or assault, war or warlike operation, etc.).
|
|
If the depositor dies anytime during the DPS period – even after depositing a single installment – EBL shall pay back the full maturity value subject to fulfillment of Insurance requirements.
|
|
World’s leading Insurance Company Metlife ALICO is providing the life insurance coverage in EBL Secure DPS.
|
|
The depositor shall be bound by the terms and conditions stated in the master group insurance policy and EBL shall not be liable for any claim declined by Metlife ALICO, Bangladesh.
|
Other Features
|
EBL Secure can be opened for a period of Five years only.
|
|
Any Bangladeshi Citizen aged 18 years to 55 years can open this account
|
|
EBL Secure can be opened at any multiple of Tk. 500 to Tk. 13,000 per month
|
|
One customer can open more than one “EBL Secure DPS”, however total monthly installment amount must not be above 13,000 for a single customer
|
|
Automatic realization of monthly installments
|
|
EBL Secure DPS will be closed if three installments are unpaid.
|
|
Maximum 90% Loan facility
|
|
In case of Early encashment, Interest forfeiture will be as below:
|
|
– Closed Before One Year – No Interest will be provided
|
|
|
– Closed After one Year but before three Year- Interest at prevailing Savings Rate
|
|
|
– Closed After 3 Year-Interest at EBL Secure DPS Rate
|
|
All DPS Information of Bangladeshi Banks (Summary Table)
|
Bank Name |
DPS Name |
Monthly Installment Range |
Interest Rate (Approx.) |
Term |
Special Features |
|
EBL |
EBL Secure DPS |
Tk. 500–13,000 |
6.5%–7.0% |
5 Years |
Life Insurance, Loan Facility |
|
DBBL |
Probashi DPS |
Tk. 500–10,000 |
7.0%–8.0% |
3–10 Years |
Special for NRBs |
|
BRAC Bank |
Future Star DPS |
Tk. 500–5,000 |
6.0%–7.5% |
3–10 Years |
For child education |
|
AB Bank |
Monthly Savings Scheme |
Tk. 500–25,000 |
6.5%–7.25% |
3–10 Years |
Flexible term & amount |
|
Bank Asia |
Shonchoy DPS |
Tk. 500–10,000 |
7.0%–9.0% |
3–5 Years |
Attractive rate, loan option |
|
NRBC Bank |
NRBC Monthly Savings |
Tk. 1,000–50,000 |
7.5%–9.0% |
3–10 Years |
High return, flexible tenure |
|
Midland Bank |
Midland Monthly Deposit |
Tk. 500–20,000 |
8.0%–8.5% |
3–5 Years |
High return, auto-debit system |
|
Premier Bank |
Deposit Pension Scheme |
Tk. 1,000–10,000 |
6.5%–7.5% |
3–7 Years |
Online application available |
Note: Interest rates and terms are approximate and may change based on central bank policies. Always confirm with the respective bank for the latest details.
Comparison Table: DPS of All Bangladeshi Banks (2025)
|
Bank Name |
DPS Name |
Installment Range |
Interest Rate (%) |
Tenure |
Special Features |
|
Eastern Bank (EBL) |
Secure DPS |
Tk. 500–13,000 |
6.5–7.0% |
5 Years |
Life insurance, auto-debit |
|
Dutch-Bangla Bank (DBBL) |
Probashi DPS |
Tk. 500–10,000 |
7.0–8.0% |
3–10 Years |
For NRBs, online tracking |
|
BRAC Bank |
Future Star DPS |
Tk. 500–5,000 |
6.0–7.5% |
3–10 Years |
For children’s future |
|
Bank Asia |
Shonchoy DPS |
Tk. 500–10,000 |
7.0–9.0% |
3–5 Years |
High return, loan facility |
|
AB Bank |
Monthly Savings Scheme |
Tk. 500–25,000 |
6.5–7.25% |
3–10 Years |
Flexible term and deposit amount |
|
NRBC Bank |
Monthly Savings Plan |
Tk. 1,000–50,000 |
7.5–9.0% |
3–10 Years |
One of the highest DPS rates in BD |
|
Midland Bank |
Midland Monthly Deposit |
Tk. 500–20,000 |
8.0–8.5% |
3–5 Years |
High return, simple documentation |
|
Premier Bank |
Deposit Pension Scheme |
Tk. 1,000–10,000 |
6.5–7.5% |
3–7 Years |
Online account opening available |
|
Mutual Trust Bank |
MTB DPS |
Tk. 500–20,000 |
6.5–8.0% |
3–10 Years |
Quick loan against DPS |
|
Islami Bank Bangladesh Ltd. |
Mudaraba Monthly DPS |
Tk. 500–10,000 |
5.0–6.0% (profit) |
3–10 Years (Islamic Banking) |
Shariah-compliant DPS |
Note: Interest/profit rates are subject to change based on Bangladesh Bank policies and market conditions. Please check with individual banks for the most up-to-date rates and features.
Maturity Table
| Installment | Maturity Amount before tax | Installment | Maturity Amount before tax |
| 500 | 36,973 | 7,000 | 517,623 |
| 1,000 | 73,946 | 7,500 | 554,596 |
| 1,500 | 110,919 | 8,000 | 591,569 |
| 2,000 | 147,892 | 8,500 | 628,542 |
| 2,500 | 184,865 | 9,000 | 665,515 |
| 3,000 | 221,838 | 9,500 | 702,488 |
| 3,500 | 258,811 | 10,000 | 739,461 |
| 4,000 | 295,784 | 10,500 | 776,434 |
| 4,500 | 332,757 | 11,000 | 813,407 |
| 5,000 | 369,730 | 11,500 | 850,380 |
| 5,500 | 406,703 | 12,000 | 887,354 |
| 6,000 | 443,677 | 12,500 | 924,327 |
| 6,500 | 480,650 | 13,000 | 961,300 |
FAQs with Answers & Explanations
- What is a DPS account in Bangladesh?
Answer:
A DPS (Deposit Pension Scheme) is a fixed monthly savings plan offered by Bangladeshi banks where the depositor deposits a fixed amount each month for a specific term (usually 3–10 years). At maturity, the depositor receives the total deposited amount along with accrued interest.
Explanation:
It’s ideal for salaried individuals or fixed income earners to create long-term savings in a disciplined way.
- Which Bangladeshi bank offers the highest DPS interest rate?
Answer:
DPS interest rates vary by bank, term, and deposit amount. As of 2025, some banks like NRBC Bank, Midland Bank, and Bank Asia offer DPS rates ranging from 7% to 9% annually, which are among the highest.
Explanation:
Always check with the official bank website or nearest branch to verify the latest rates and terms.
- Can I open more than one DPS account in Bangladesh?
Answer:
Yes, most banks allow individuals to open more than one DPS account. However, there might be a limit on the total monthly installment amount, like EBL which caps it at Tk. 13,000 per customer.
Explanation:
This is to help manage risk and ensure sustainable savings growth.
- What happens if I miss DPS installments?
Answer:
Missing 1–2 installments may result in late fees or temporary account suspension. If 3 consecutive installments are missed, many banks will automatically close the DPS account or convert it to a savings account with adjusted interest.
Explanation:
Regular monthly deposits are crucial to ensure the account remains active and eligible for maturity benefits.
- Is there any insurance benefit with DPS accounts in Bangladesh?
Answer:
Yes, some banks like Eastern Bank Limited (EBL) offer DPS accounts with built-in life insurance coverage. This ensures the full maturity amount is paid to the nominee in case of the depositor’s death during the DPS period.
Explanation:
This makes DPS not just a savings tool but also a financial security product for families.
Frequently Asked Questions (FAQ)
1. Can I open multiple DPS accounts in Bangladesh?
Yes. Most banks allow multiple DPS accounts, but they may restrict the total monthly installment (e.g., EBL caps at Tk. 13,000 per customer).
2. What happens if I miss a DPS installment?
Missing an installment may result in penalties. If you miss 3 consecutive installments, the account may be closed or converted to a savings account.
3. Is DPS interest taxable in Bangladesh?
Yes. DPS interest is subject to tax as per government regulations. The tax rate may vary based on your income level and tax file status.
4. Can I get a loan against my DPS balance?
Most banks allow loans up to 80–90% of your DPS balance, which is helpful in emergencies without breaking the savings plan.
5. Which DPS is best in 2025?
It depends on your goals, but NRBC Bank, Midland Bank, and EBL Secure DPS offer excellent combinations of high return, safety, and benefits.