MTB Logo
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 April 24,2022

Tenor Rate of Interest
1 month 1.50%
2 months 2.00%
3 months 6.00%
6 months 6.00%
9 months 6.00%
1 Year 6.00%
2 Years 6.00%
3 Years 6.00%

Interest Rates on FDR in Days (Retail Customer)

Effective from April 24,2022

Tenor Rate of Interest
100-Days 6.00%
200-Days 6.00%
365-Days 6.00%

Interest Rates on FDR (Corporate Customer)

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 months 2.25% 2.75% 3.25%
3 months 3.50% 4.00% 4.50%
6 months 3.75% 4.00% 4.50%
9 months 3.75% 4.00% 4.50%
1 year 4.00% 4.25% 4.75%
2 years 4.00% 4.25% 4.75%
3 years 4.00% 4.25% 4.75%

Interest Rates on FDR in Days (Corporate Customer)

Effective from February 02, 2022

Particular Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and Above
100 Days 3.50% 4.00% 4.50%
200 Days 3.75% 4.00% 4.50%
365 Days 4.00% 4.25% 4.75%

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 September 02, 2021

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

*Conditions applied

 9.5%
MTB Auto Loan 8.5%
MTB Home Loan(New/Take Over) 8.5%
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 March 11, 2020

Monthly Installment Period Period Period Period
3 Years 5 Years 8 Years 10 Years
250 9,897 17,679 31,477 42,450
500 19,794 35,358 62,954 84,900
1,000 39,587 70,716 125,907 169,800
2,000 79,174 141,432 251,814 339,600
5,000 197,936 353,580 629,536 849,001

MTB Education plan

Effective from March 11, 2020

Monthly Installment Period Period Period Period
4 Years 7 Years 9 Years 12 Years
1,000.00 54,467 105,858 146,705 219,208
2,000.00 108,934 211,717 293,410 438,416
3,000.00 163,401 317,575 440,115 657,624
4,000.00 217,868 423,433 586,820 876,832

MTB Millionaire plan

Effective from March 11, 2020

Monthly installment Period Maturity Value
18,360.00 4 years 1,000,000.00
11,399.00 6 years 1,000,000.00
7,943.00 8 years 1,000,000.00
5,890.00 10 years 1,000,000.00
4,532.00 12 years 1,000,000.00
3,197.00 15 years 1,000,000.00
1,960.00 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 Kotipati

Monthly installment Period Interest Rate Maturity Value
183,598.00 4 years 6.16% 1,00,00,000.00
141,411.00 5 years 6.40% 1,00,00,000.00
113,982.00 6 years 6.40% 1,00,00,000.00
79,424.00 8 years 6.54% 1,00,00,000.00
58,893.00 10 years 6.64% 1,00,00,000.00
45,319.00 12 years 6.74% 1,00,00,000.00
31,965.00 15 years 6.88% 1,00,00,000.00
23,626.00 18 years 6.88% 1,00,00,000.00
19,595.00 20 years 6.88% 1,00,00,000.00

Children Education Deposit Scheme

Area of Change Revised
Rate of Interest 6.50%

MTB Monthly Benefit Plan

Effective from August 01, 2022

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 5.88% 1 Year 490.00 441.00 416.50
100,000.00 5.88% 2 Year 490.00 441.00 416.50
100,000.00 5.88% 3 Year 490.00 441.00 416.50

MTB Quarterly Benefit Plan

Effective from August 01, 2022

Principal Amount
(for example)		 Rate of Interest Period Monthly Benefit
(before Tax)		 Monthly Benefit                    

(after deduction Of Tax @ 10%)

 Monthly Benefit                    

(after deduction Of Tax @ 15%)
1,00,000.00 6.00% 1 Year 1,500 1,350 1,275
1,00,000.00 6.00% 2 Year 1,500 1,350 1,275

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 August 01, 2022

Tenor Monthly Payment Interest Rate Maturity Value(Pre-Tax)
12 Months 8,102.00 5.25% 100,000.00
18 Months 5,321.00 5.50% 100,000.00
24 Months 3,926.00 5.75% 100,000.00
36 Months 2,537.00 5.90% 100,000.00

MTB Angona Fixed Deposit

Effective from April 24, 2022

Tenor Rate of Interest
1 month 1.50%
2 months 2.00%
3 months 6.00%
6 months 6.00%
9 months 6.00%
1 Year 6.00%
2 Years 6.00%
3 Years 6.00%

MTB Angona DPS

Effective from August 01, 2022

Maturity Table for Installment Amount & Maturity Value(Excluding Tax)
Installment/Month 3 Years 5 Years 8 Years 10 Years
Interest Rate Maturity Value Interest Rate Maturity Value Interest Rate Maturity Value Interest Rate Maturity Value
500 6.26% 19,824 6.50% 35,450 6.64% 63,222 6.74% 85,360
1000 6.26% 39,648 6.50% 70,900 6.64% 126,443 6.74% 170,721
2000 6.26% 79,297 6.50% 141,799 6.64% 252,887 6.74% 341,442
5000 6.26% 198,241 6.50% 354,498 6.64% 632,216 6.74% 853,605

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