Interest Rates

MTB Interest Rates on Deposit

No.Types of DepositInterest Rate
1Savings Depositsa) Regular4.25%
b) NRB4.25%
2Special Notice Deposits (SND)Below BDT 10.00 million3.50%
BDT 10.00 million to below BDT 250.00 million4.5%
BDT 250.00 million to below BDT 500.00 million5.00%
BDT 500.00 million to below BDT 1.00 billion5.5%
BDT 1.00 billion and above
6.0%

Interest Rates on FDR

PeriodBelow BDT 50 LacBDT 50 Lac to
below BDT 1 Cr
BDT 1 Cr to below
BDT 5 Cr
BDT 5 Cr to
below 25 Crore
BDT 25 Crore
and above*
 
1 month4.00%4.50%4.75%5.00%5.00%
2 months4.00%4.50%4.75%5.00%5.00%
3 months7.75%8.00%8.25%8.50%8.75%
6 months8.00% 8.25%8.50%8.75%9.00%
9 months8.00% 8.25%8.50%8.75%9.00%
1 year8.00% 8.25%8.50%8.75%9.00%
2 years8.00%8.25%8.25%8.25%8.25%
3 years8.00%8.25%8.25%8.25%8.25%
N.B. FD Rates are not meant for deposits from Banks and NBFIs.
* Booking of deposit between BDT 25 Crore and above slab requires prior permission
from Group Treasury

Interest rates on retail savings Account

Product NameDeposit Slab ( Day End Balance)Rate
MTB InspireBelow BDT 0.1 million4.25%
BDT 0.1 million to less than BDT 0.5 million4.50%
BDT 0.5 million to less than BDT 1.0 million4.75%
BDT 1.0 million and above
5.00%
MTB RubyUp to BDT 0.5 million
4.25%
Above BDT 0.5 million to BDT 2.0 million 4.50%
Above BDT 2.0 million
5.00%
MTB SeniorBelow BDT 0.1 million4.50%
BDT 0.1 million to less than BDT 0.5 million
4.75%
BDT 0.5 million to less than BDT 1.0 million
5.00%
BDT 1.0 million and above
5.50%
MTB JuniorAny Amount
5.50%
MTB GraduateUp to BDT 20,0004.25%
Above BDT 20,000 to BDT 50,000 4.50%
Above BDT 50,000
5.00%
Privilege SavingsUp to BDT 0.5 million4.25%
Above BDT 0.5 million to BDT 1.5 million
4.50%
Above BDT 1.5 million to BDT 2.5 million4.75%
Above BDT 2.5 million
5.00%
MTB SanchayAny Amount5.50%
MTB AnkurAny Amount5.50%
MTB CareAny Amount5.50%

Lending Products

CategoriesInterest Rate BandMid Rate
Corporate, Commercial and Project Loans & Advances
Lending to Large Scale Industries
a) Term Loan10.50% - 13.50%12.00%
b) Lease Finance11.00% - 14.00%12.50%
c) Working Capital10.50% - 13.50%12.00%
d) Others10.50% - 13.50%12.00%
Middle Market Corporate#colspan
a) Term Loan11.00% - 14.00%12.50%
b) Lease Finance11.50% 14.50%13.00%
c) Working Capital11.50% 14.50%13.00%
d) Other11.50% 14.50%13.00%
Export Finance (PC/ECC)7.00% (Fixed)
Real Estate Finance
a) Commercial/Commercial-cum-
Residential
12.00% - 15.00%13.50%
b) Developer12.50% - 15.50%14.00%
Loans to NBFIs13.50% 16.50%15.00%
Short Term Loan (STL)13.00% - 16.00%14.50%
Loan/ Secured Overdraft (SOD) against
FDR and other deposit scheme
a) Against FDR of MTB2.50% - 3.00% above FDR interest rate
b) Against other deposit schemes of
MTB
2.50% - 3.00% above other deposit schemes
interest rate
c) Against FDR of other Banks15.50% - 18.50%17.00%
Others (Including IDBP)13.00% - 16.00%14.50%

MSME Loans & Advance

MSME Loans & AdvanceInterest Rate BandMid Rate
Small Business Loan
a) SecuredUp to BDT 5 million12.75% - 15.75%14.25%
Above BDT 5 million12.25% - 15.25%13.75%
b) Unsecured13.00% - 16.00%14.50%
MTB SME Cash
Credit (Hypo)
Up to BDT 5 million13.00% - 16.00%14.50%
Above BDT 5 million12.50% - 15.50%14.00%
MTB Microfinance (for Agri)9% (Highest Rate)
MTB Microfinance
(excluding Agri
Loan)
Up to BDT 50 million11.00% - 14.00%12.50%
Above BDT 50
million
10.50% - 13.50%12.00%
MTB Bhaggobati (under refinance
scheme)
9% (Highest Rate)
MTB Gunabati (under prefinance
scheme)
9% (Highest Rate)
MTB Krishi9% (Highest Rate)
MTB Krishijat
a) SecuredUp to BDT 5 million12.50% - 15.50%14.00%
Above BDT 5 million12.00% - 15.00%13.50%
b) Unsecured13.50% - 16.50%15.00%
MTB Light Engineering
a) SecuredUp to BDT 5 million12.50% - 15.50%14.00%
Above BDT 5 million12.00% - 15.00%13.50%
b) Unsecured13.25% - 16.25%14.75%
MTB Green Energy
a) SecuredUp to BDT 5 million13.00% - 16.00%14.50%
Above BDT 5 million12.50% - 15.50%14.00%
b) Unsecured13.25% - 16.25%14.75%
MTB IT Genius18.50% - 21.50%20.00%
MTB Mousumi13.50% - 16.50%15.00%
MTB Youth Line18.50% - 21.50%20.00%
MTB Digoon13.50% - 16.50%15.00%
CMSME Loans & Advances
MTB Supply Chain Finance9.00% - 12.00%10.50%
MTB Shachal11.50% - 14.50%13.00%
MTB Commercial Space Finance11.50% - 14.50%13.00%
MTB Abason (to be launched soon)11.50% - 14.50%13.00%

Retail Loans & Advances with effect from May 1, 2019

Retail LoansInterest Rate BandMid Rate
Personal Loan (Including
Professional’s Loan &Edu Finance
11.50% - 14.50%13.00%
Auto Loan10.50% - 13.50%12.00%
Home Loan (Including Home Equity
& Take Over)
10.00% - 13.00%11.50%
MTB Neer10.50% - 13.50%12.00%
MTB NRB Home Loan10.50% - 13.50%12.00%

Credit Card Products will effect from April 1, 2019

Credit Card ProductsInterest Rate BandMid Rate
VISA / Mastercard Classic23.50% - 26.50%25.00%
VISA Gold (Local)23.50% - 26.50%25.00%
VISA/Mastercard Gold23.50% - 26.50%25.00%
VISA Platinum / Mastercard Titanium22.00% - 25.00%23.50%
VISA Signature / Mastercard World21.00% - 24.00%22.50%

Deposit Scheme Products

MTB Brick by Brick

Monthly InstallmentPeriodPeriodPeriodPeriod
3 Years5 Years8 Years10 Years
250.0010,345.0018,937.5035,037.5048,412.50
500.0020,690.0037,875.0070,075.0096,825.00
1,000.0041,380.0075,750.001,40,150.001,93,650.00
2,000.0082,760.001,51,500.002,80,300.003,87,300.00
5,000.002,06,900.003,78,750.007,00,750.009,68,250.00

MTB Education plan

Monthly InstallmentPeriodPeriodPeriodPeriod
4 Years7 Years9 Years12 Years
1,000.0056,575.35112,730.45158,232.63244,028.76
2,000.00113,150.70225,460.90316,465.25488,057.53
3,000.00169,726.05338,191.35474,697.88732,086.29
4,000.00226,301.40450,921.80632,930.51976,115.06

MTB Millionaire plan

Monthly installmentPeriodMaturity Value
16,889.004 years1,000,000.00
10,108.006 years1,000,000.00
6,785.008 years1,000,000.00
4,842.0010 years1,000,000.00
3,588.0012 years1,000,000.00
2,393.0015 years1,000,000.00
1,306.0020 years1,000,000.00

MTB Double Saver

Maturity period
6 years 11 months

MTB Kotipati

Monthly installmentPeriodMaturity Value
168,885.004 years10,000,000.00
128,070.005 years10,000,000.00
101,083.006 years10,000,000.00
67,843.008 years10,000,000.00
48,414.0010 years10,000,000.00
35,876.0012 years10,000,000.00
23,928.0015 years10,000,000.00
16,514.0018 years10,000,000.00
13,060.0020 years10,000,000.00

Children Education Deposit Scheme

Area of ChangeRevised
Rate of Interest8.00%

MTB Monthly Benefit Plan

Principal
Amount
(For Example)
Rate of
Interest
PeriodMonthly Benefit
before Tax
Monthly Benefit
after Tax @ 10%
Monthly Benefit
after Tax @ 15%
100,000.009.60%1 year800.00720.00680.00
100,000.009.60%2 years800.00720.00680.00
100,000.009.60%3 years800.00720.00680.00