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.

DPS(Deposit Pension Scheme)

EBL DPS Features

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.