MTB Logo

MTB Interest Rates on Deposit

Effective from January 01, 2021

No. Types of Deposit Interest Rate
1 Savings Deposits a) Regular Up to 2.00%
b) NRB Up to 2.00%
2 Special Notice Deposits (SND) Below BDT 10.00 million 1.25%
BDT 10.00 million to below BDT 250.00 million 1.50%
BDT 250.00 million to below BDT 500.00 million 1.75%
BDT 500.00 million to below BDT 1.00 billion 2.00%
BDT 1.00 billion and above 2.50%

Interest Rates on FDR (Retail Customer)

Effective from February 01, 2024

Particulars Less than 50 Lac 50 Lac to Less than 1 Crore 1 crore above
1 Month 2.50% 3.00% 3.50%
2 Months 3.00% 3.50% 4.00%
3 Months 6.25% 7.00% 7.25%
6 Months 7.00% 7.25% 7.50%
9 Months 7.00% 7.25% 7.50%
1 Year 7.00% 7.25% 7.50%
2 Years 7.00% 7.25% 7.50%
3 Years 7.00% 7.25% 7.50%

Interest Rates on FDR in Days (Retail Customer)

Effective from February 01, 2024

Particulars Less than 50 Lac 50 Lac to Less than 1 Crore 1 crore above
100-Days 6.75% 7.00% 7.25%
210-Days 7.00% 7.25% 7.50%
365-Days 7.00% 7.25% 7.50%

Effective from November 16,2023

Particulars Less than 1 Crore 1 crore above
91-Days 7.75% 8.00%
181-Days 8.00% 8.25%
270-Days 8.25% 8.25%
364-Days 8.00% 8.50%

Also applicable for MTB Angona customers

Interest Rates on FDR (Corporate Customer)

Effective from November 09,2023

Particular Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and Above
1 month 2.00% 2.50% 3.00%
2 months 2.75% 3.25% 3.75%
3 months 5.00% 5.50% 6.00%
6 months 5.25% 5.75% 6.25%
9 months 5.50% 6.00% 6.50%
1 year 5.50% 6.00% 6.50%
2 years 5.50% 6.00% 6.50%
3 years 5.50% 6.00% 6.50%

Interest Rates on FDR in Days (Corporate Customer)

Effective from November 16,2023

Particular Less than 50 Lac 50 Lac to Less than 1 Crore 1 Crore to Less than 3 Crore 3 Crore to Less than 5 Crore 5 Crore to Less than 10 Crore 10 Crore and Above
91-Days 6.50% 6.75% 7.00% 7.25% 7.50% 7.75%
181-Days 6.75% 7.00% 7.25% 7.50% 7.75% 8.25%
270-Days 6.75% 7.00% 7.25% 7.50% 7.75% 8.25%
364-Days 7.00% 7.25% 7.50% 7.75% 8.00% 8.50%

Above rate is not applicable for deposit from other Banks and/or NBFIs

SME Interest Rates on Deposit

Product Name Product Name Rate of Interest
MTB PROBAHO INTEREST BEARING CURRENT ACCOUNT 2.00%

Interest Rates on MTB Buniad for SME Customers

Effective from February 02, 2022

Particular Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and above
1 Month 1.25% 1.75% 2.25%
2 Month 2.25% 2.75% 3.25%
3 Month 3.50% 4.00% 4.50%
6 Month 3.75% 4.00% 4.50%
9 Month 3.75% 4.00% 4.50%
1 Year 4.00% 4.25% 4.75%
2 Year 4.00% 4.25% 4.75%
3 Year 4.00% 4.25% 4.75%

Above rate is not applicable for deposit from other Banks and/or NBFIs

Interest rates on retail savings Account

Effective from January 01, 2021

Product Name Deposit Slab ( Day End Balance) Rate
MTB Inspire Below BDT 0.1 million 1.75%
BDT 0.1 million to less than BDT 0.5 million 2.00%
BDT 0.5 million to less than BDT 1.0 million 2.25%
BDT 1.0 million and above 2.50%
MTB Angona General Savings Account Up to BDT 0.5 million 2.00%
Above BDT 0.5 million to BDT 2.0 million 2.25%
Above BDT 2.0 million 2.50%
MTB AngonaPremium Account Any Amount 2.50%
MTB Senior Below BDT 0.1 million 1.75%
BDT 0.1 million to less than BDT 0.5 million 2.00%
BDT 0.5 million to less than BDT 1.0 million 2.25%
BDT 1.0 million and above 2.50%
MTB Junior Any Amount 2.50%
MTB Graduate Up to BDT 20,000 1.75%
Above BDT 20,000 to BDT 50,000 2.00%
Above BDT 50,000 2.50%
Privilege Savings Up to BDT 0.5 million 1.75%
Above BDT 0.5 million to BDT 1.5 million 2.00%
Above BDT 1.5 million to BDT 2.5 million 2.25%
Above BDT 2.5 million 2.50%
MTB Sanchay Any Amount 2.50%
MTB Ankur Any Amount 2.50%
MTB Care Any Amount 2.50%
MTB Extreme Any Amount 2.25%

Lending Products

Categories Interest Rate Band Mid Rate
Corporate, Commercial and Project Loans & Advances
Lending to Large Scale Industries
a) Term Loan 9.00%
b) Lease Finance 9.00%
c) Working Capital 9.00%
d) Others 9.00%
Middle Market Corporate
a) Term Loan 9.00%
b) Lease Finance 9.00%
c) Working Capital 9.00%
d) Other 9.00%
Export Finance (PC/ECC) 7.00% (Fixed)
Real Estate Finance
a) Commercial/Commercial-cum-
Residential
9.00%
b) Developer 9.00%
Loans to NBFIs 9.00%
Short Term Loan (STL) 9.00%
Loan/ Secured Overdraft (SOD) against
FDR and other deposit scheme
a) Against FDR of MTB 3.00% above FDR interest rate
b) Against other deposit schemes of
MTB
3.00% above other deposit schemes interest rate
c) Against FDR of other Banks 9.00%
Others (Including IDBP) 9.00%

MSME Loans & Advance

MSME Loans & Advance Interest Rate Band Mid Rate
Small Business Loan
Secured Up to BDT 5 million 9.00%
Up to BDT 5 million 9.00%
Unsecured Above BDT 5 million 9.00%
MTB SME Cash
Credit (Hypo)
Up to BDT 5 million 9.00%
Above BDT 5 million 9.00%
MTB Microfinance (for Agri) 9% (Highest Rate)
MTB Microfinance
(excluding Agri
Loan)
Up to BDT 50 million 9.00%
Above BDT 50
million
9.00%
MTB Bhaggobati (under refinance
scheme)
9% (Highest Rate)
MTB Gunabati (under prefinance
scheme)
9% (Highest Rate)
MTB Krishi 8% (Highest Rate)
MTB Krishijat
a) Secured Up to BDT 5 million 9.00%
Above BDT 5 million 9.00%
b) Unsecured 9.00%
MTB Light Engineering
a) Secured Up to BDT 5 million 9.00%
Above BDT 5 million 9.00%
b) Unsecured 9.00%
MTB Green Energy
a) Secured Up to BDT 5 million 9.00%
Above BDT 5 million 9.00%
b) Unsecured 9.00%
MTB IT Genius 9.00%
MTB Mousumi 9.00%
MTB Youth Line 9.00%
MTB Digoon 9.00%
CMSME Loans & Advances
MTB Supply Chain Finance 9.00%
MTB Shachal 9.00%
MTB Commercial Space Finance 9.00%
MTB Abason (to be launched soon) 9.00%

Retail Loans & Advances

Effective from November 08, 2023

Retail Loans Interest Rate
MTB Personal Loan(New/Take Over)

*Conditions applied

10.93%
MTB Auto Loan

*Conditions applied

10.00%
MTB Home Loan(New/Take Over)

*Conditions applied

10.00%.
MTB Professional’s Loan 9%
MTB Education Finance (Unsecured Term Loan) 9%
MTB Neer 9%
MTB NRB Home Loan 9%

Credit Card Products with effect from October 11, 2020

Credit Card Products Interest Rate Band
VISA / Mastercard Classic 20%
VISA Gold (Local) 20%
VISA/Mastercard Gold 20%
VISA Platinum / Mastercard Titanium 20%
VISA Signature / Mastercard World 20%

Deposit Scheme Products

MTB Brick by Brick

Effective from January 01, 2024

Monthly Installment Period Period Period Period Period
1 Years 3 Years 5 Years 8 Years 10 Years
250 3,131 10,181 18,073 32,442 43,877
500 6,262 20,363 36,146 64,885 87,754
1,000 12,525 40,726 72,293 129,771 175,508
2,000 25,051 81,452 144,586 259,542 351,017
5,000 62,628 203,632 361,466 648,855 877,543

MTB Education plan

Effective from January 01, 2024

Monthly Installment Period Period Period Period
4 Years 7 Years 9 Years 12 Years
1,000.00 55,705 109,232 151,825 228,247
2,000.00 111,411 218,464 303,651 456,495
3,000.00 167,117 327,697 455,477 684,742
4,000.00 222,822 436,929 607,303 912,990

MTB Millionaire plan

Effective from January 01, 2024

Monthly installment Period Maturity Value
17,952 4 years 1,000,000.00
11,099 6 years 1,000,000.00
7,789 8 years 1,000,000.00
5,776 10 years 1,000,000.00
4,455 12 years 1,000,000.00
3,164 15 years 1,000,000.00
1,932 20 years 1,000,000.00

MTB Double Saver

Effective from March 11, 2020

Maturity period Half Yearly Interest Rate
10 Years 3 Months 6.89%

MTB Kotipoti

Effective from October 01, 2023

Monthly installment Period Interest Rate Maturity Value
180,444.00 4 years 7.00% 1,00,00,000.00
139,227.00 5 years 7.00% 1,00,00,000.00
111,857.00 6 years 7.00% 1,00,00,000.00
77,885.00 8 years 7.00% 1,00,00,000.00
57,756.00 10 years 7.00% 1,00,00,000.00
44,546.00 12 years 7.00% 1,00,00,000.00
31,640.00 15 years 7.00% 1,00,00,000.00
23,331.00 18 years 7.00% 1,00,00,000.00
19,318.00 20 years 7.00% 1,00,00,000.00

Children Education Deposit Scheme

Tenor Rate of Interest
4 Years 7.50%

MTB Monthly Benefit Plan

Effective from January 01, 2024

Principal
Amount
(For Example)
Rate of
Interest
Period Monthly Benefit
before Tax
Monthly Benefit
after Tax @ 10%
Monthly Benefit
after Tax @ 15%
100,000.00 8.00% 1 Year 666.67 600.00 566.67
100,000.00 8.00% 2 Year 666.67 600.00 566.67
100,000.00 8.00% 3 Year 666.67 600.00 566.67

MTB Quarterly Benefit Plan for Retail Customers

Effective from January 01, 2024

Principal Amount
(for example)
Rate of Interest Period Quarterly Benefit
(Before Tax)
Quarterly Benefit
(After 10% Tax)
Quarterly Benefit
(After 15% Tax)
1,00,000.00 8.00% 1 Year 2,000.00 1,800.00 1,700.00
1,00,000.00 8.00% 2 Year 2,000.00 1,800.00 1,700.00

MTB Payroll Account

Effective from January 01, 2021

Product Name Rate
MTB Payroll Premium 2.50%
MTB Payroll Savers 2.25%
MTB Payroll E-Savers 2.00%

MTB Lakhopoti

Effective from January 01, 2024

Tenor Monthly Payment Interest Rate Maturity Value(Pre-Tax)
12 Months 7,984.00 8.00% 100,000.00
18 Months 5,218.00 8.00% 100,000.00
24 Months 3,836.00 8.00% 100,000.00
36 Months 2,484.00 7.25% 100,000.00

MTB Angona Fixed Deposit

Effective from February 01, 2024

Particulars Less than 50 Lac 50 Lac to Less than 1 Crore 1 Crore and Above
1 Month 2.50% 3.00% 3.50%
2 Months 3.00% 3.50% 4.00%
3 Months 6.25% 7.00% 7.25%
6 Months 7.00% 7.25% 7.50%
9 Months 7.00% 7.25% 7.50%
1 Year 7.00% 7.25% 7.50%
2 Years 7.00% 7.25% 7.50%
3 Years 7.00% 7.25% 7.50%

MTB Angona DPS

Effective from January 01, 2024

Maturity Table for Installment Amount & Maturity Value(Excluding Tax)
Installment/Month 1 Years 3 Years 5 Years 8 Years 10 Years
Interest Rate Maturity Value Interest Rate Maturity Value Interest Rate Maturity Value Interest Rate Maturity Value Interest Rate Maturity Value
500 8.00% 6,262 8.00% 20,363 7.25% 36,146 7.25% 64,885 7.25% 87,754
1000 8.00% 12,525 8.00% 40,726 7.25% 72,293 7.25% 129,771 7.25% 175,508
2000 8.00% 25,051 8.00% 81,452 7.25% 144,586 7.25% 259,542 7.25% 351,017
5000 8.00% 62,628 8.00% 203,632 7.25% 361,466 7.25% 648,855 7.25% 877,543

Other Fixed Deposit Products

Effective from April 05, 2021

Fixed Deposit Products Interest Rate
MTB Shield 5.90%
MTB Instant 3.75%
MTB NRB FDR Same as regular FDR

MTB Gift Cheque

Effective from July 26, 2020

Amount Revised Rate
As per PPG 3 Months to < 6 Months 6 Months to < 1 Year 1 Year or more
1% 2% 3%

Join Our
Subscription