Enter the year's highest balance above — the highest amount on any single day, not the average or closing balance.
See the yearly duty, the slab, and how it was calculated.
Match it against the slab table below and your bank statement.
FY 2026-27 slabs
Highest balance in the year
Duty for the year
Up to ৳4,00,000
No duty
৳4,00,001 – ৳5,00,000
৳150
৳5,00,001 – ৳10,00,000
৳500
৳10,00,001 – ৳50,00,000
৳3,000
৳50,00,001 – ৳1,00,00,000
৳5,000
৳1,00,00,001 – ৳2,00,00,000
৳10,000
৳2,00,00,001 – ৳5,00,00,000
৳20,000
Above ৳5,00,00,000
৳50,000
Example
Highest balance ৳5 lakh: ৳5,00,000 falls in the “up to ৳5,00,000” slab, so the yearly duty = ৳150.
Highest balance ৳9 lakh: ৳9,00,000 falls in the ৳5 lakh–৳10 lakh slab, so the duty = ৳500.
Things to watch
PSR means proof of return submission: showing PSR cuts source tax on interest from 15% to 10%. It does not affect excise duty.
Interest tax is separate: to work out source tax on bank interest or profit, use the tax-at-source calculator.
Fiscal year 2026-27: these slabs cover July 2026 – June 2027. The ৳4–5 lakh and ৳1–2 crore bands are not verified against the final Finance Act — confirm with your bank.
Frequently asked questions
Which balance does excise duty apply to?
The highest balance at any time in the calendar year, charged once a year. Not the average or the 31 December balance — if the balance touches a slab for even one day, the full duty for that slab applies.
Is there really no duty up to ৳4 lakh?
Yes, the FY 2026-27 budget raised the exemption from ৳3 lakh to ৳4 lakh. At ৳4,00,001 the duty becomes ৳150. The ৳4–5 lakh and ৳1–2 crore bands are not yet fully verified, so confirm with your bank.
Does PSR reduce excise duty?
No. PSR (proof of return submission) only lowers source tax on interest, from 15% to 10%. It has no effect on excise duty. For the interest tax, use the tax-at-source calculator.
Is the tax on interest separate?
Yes, completely separate. Interest or profit attracts source tax (10% or 15% for individuals, 20% for companies), while the highest deposit balance attracts excise duty once a year. See the tax-at-source calculator for the interest calculation.
Which fiscal year are these slabs for?
FY 2026-27 (July 2026 – June 2027). Slabs can change with each budget, so check for updates around June–July.
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