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MTB Interest Rates on Deposit

Effective from October 12, 2020

No. Types of Deposit Interest Rate
1 Savings Deposits a) Regular 2.00%
b) NRB 2.00%
2 Special Notice Deposits (SND) Below BDT 10.00 million 1.50%
BDT 10.00 million to below BDT 250.00 million 1.75%
BDT 250.00 million to below BDT 500.00 million 2.00%
BDT 500.00 million to below BDT 1.00 billion 2.50%
BDT 1.00 billion and above 2.75%

Interest Rates on FDR

Effective from April 05, 2021

Particular Less tan 50 Lacs 50 Lacs to Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and Above
1 month 1.25% 1.50% 1.75% 2.00%
2 months 1.25% 1.50% 1.75% 2.00%
3 months 3.25% 3.50% 3.75% 4.00%
6 months 3.25% 3.50% 3.75% 4.00%
9 months 3.25% 3.50% 3.75% 4.00%
1 year 3.50% 3.75% 4.00% 4.25%
2 years 3.50% 3.75% 4.00% 4.25%
3 years 3.50% 3.75% 4.00% 4.25%

Interest Rates on Fixed Deposits in days

Effective from April 05, 2021

Particular Less tan 50 Lacs 50 Lacs to Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and Above
100 Days 3.25% 3.50% 3.75% 4.00%
200 Days 3.25% 3.50% 3.75% 4.00%
365 Days 3.50% 3.75% 4.00% 4.25%

SME Interest Rates on Deposit

Product Name Product Name Rate of Interest
MTB PROBAHO INTEREST BEARING CURRENT ACCOUNT 2.00%
MTB BUNIAD FIXED DEPOSIT (FD) AS PER THE RATES OF REGULAR FD

Interest rates on retail savings Account

Effective from February 1, 2020

Product Name Deposit Slab ( Day End Balance) Rate
MTB Inspire Below BDT 0.1 million 3.00%
BDT 0.1 million to less than BDT 0.5 million 3.25%
BDT 0.5 million to less than BDT 1.0 million 3.50%
BDT 1.0 million and above 3.75%
MTB Ruby Up to BDT 0.5 million 3.00%
Above BDT 0.5 million to BDT 2.0 million 3.25%
Above BDT 2.0 million 3.50%
MTB Senior Below BDT 0.1 million 3.25%
BDT 0.1 million to less than BDT 0.5 million 3.50%
BDT 0.5 million to less than BDT 1.0 million 3.75%
BDT 1.0 million and above 4.00%
MTB Junior Any Amount 4.00%
MTB Graduate Up to BDT 20,000 3.00%
Above BDT 20,000 to BDT 50,000 3.25%
Above BDT 50,000 3.75%
Privilege Savings Up to BDT 0.5 million 3.00%
Above BDT 0.5 million to BDT 1.5 million 3.25%
Above BDT 1.5 million to BDT 2.5 million 3.50%
Above BDT 2.5 million 3.75%
MTB Sanchay Any Amount 4.00%
MTB Ankur Any Amount 4.00%
MTB Care Any Amount 4.00%

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 or 9% whichever is higher
b) Against other deposit schemes of
MTB
3.00% above FDR interest rate or 9% whichever is higher
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 9% (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 April 1, 2020

Retail Loans Interest Rate
Personal Loan (Including Professional’s Loan & Education Finance) 9.00%
Auto Loan 9.00%
Home Loan (Including Home Equity & Take Over)* 8.75%
MTB Neer 9.00%
MTB NRB Home Loan 9.00%

*Only Home Loan rate effective from March 01, 2021

Credit Card Products will effect from April 1, 2019

Credit Card Products Interest Rate Band Mid Rate
VISA / Mastercard Classic 23.50% – 26.50% 25.00%
VISA Gold (Local) 23.50% – 26.50% 25.00%
VISA/Mastercard Gold 23.50% – 26.50% 25.00%
VISA Platinum / Mastercard Titanium 22.00% – 25.00% 23.50%
VISA Signature / Mastercard World 21.00% – 24.00% 22.50%

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 October 20, 2020

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 4.80% 1 Year 400.00 360.00 340.00
100,000.00 5.04% 2 Year 420.00 378.00 357.00
100,000.00 5.28% 3 Year 440.00 396.00 374.00
100,000.00 5.40% 5 Year 450.00 405.00 382.50

MTB Quarterly Benefit Plan

Effective from October 20, 2020

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 4.80% 1 Year 1,200 1,080 1,020
1,00,000.00 5.04% 2 Year 1,260 1,134 1,071
1,00,000.00 5.20% 5 Year 1,300 1,170 1,105

MTB Payroll Account

Effective from March 11, 2020

Product Name Rate
MTB Payroll Premium 3.50%
MTB Payroll Savers 3.25%
MTB Payroll E-Savers 3.00%

MTB Angona DPS

Effective from March 11, 2020

Installment per Month Tenor 3 years/ Maturity Value Tenor 5 years/ Maturity Value Tenor 8 years/ Maturity Value Tenor 10 years/ Maturity Value
500 19,824.00 35,450.00 63,222.00 85,360.00
1000 39,648.00 70,900.00 126,443.00 170,721.00
2000 79,297.00 141,799.00 252,887.00 341,442.00
5000 198,241.00 354,498.00 632,216.00 853,605.00

MTB Lakhopoti

Effective from March 11, 2020

Tenor Monthly Payment Maturity Value(Pre-Tax)
12 Months 8,165.00 100,000
18 Months 5,388.00 100,000
24 Months 3,998.00 100,000

MTB Angona Fixed Deposit

Effective from April 05, 2021

Particular Less tan 50 Lacs 50 Lacs to Less than 1 Crore 1 Crore to Less than 5 Crore 5 Crore and Above
1 month 1.50% 1.75% 2.00% 2.25%
2 months 1.50% 1.75% 2.00% 2.25%
3 months 3.50% 3.75% 4.00% 4.25%
6 months 3.50% 3.75% 4.00% 4.25%
9 months 3.50% 3.75% 4.00% 4.25%
1 year 3.75% 4.00% 4.25% 4.50%
2 years 3.75% 4.00% 4.25% 4.50%
3 years 3.75% 4.00% 4.25% 4.50%

Other Fixed Deposit Products

Effective from April 05, 2021

Fixed Deposit Products Interest Rate
MTB Shield 4.00%
MTB Instant 3.75%
MTB NRB FDR Same as regular FDR
MTB Buniad Same as regular FDR

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