A ৳1 lakh FDR at 10% for 1 year earns ৳10,000; after 10% source tax you receive ৳1,09,000 at maturity. Short 3- or 6-month FDRs with auto-renewal work too.
৳
= 1 lakh taka
%
months
= 1 year
times
0 = no renewal. On renewal, profit after tax is added to the principal.
Proof of return submission (PSR)
Excise duty
You receive at maturity
৳1,09,000
After 1 year, net of tax and duty
Principal
৳1,00,000
Gross profit (before tax)
৳10,000
Source tax (10%)
− ৳1,000
Excise duty
− ৳0
Net profit
৳9,000
Net profit per year
9%
An FDR of ৳1,00,000 at 10% for 1 year pays ৳1,09,000 after tax and duty, a net profit of ৳9,000.
Some excise duty slabs are still being verified — confirm with your bank.
Pick the term of one FDR: 1, 3, 6 or 12 months, or switch to Years.
Enter how many times it auto-renews (e.g. 3 renewals of a 3-month FDR = one year).
Choose PSR and excise duty options; the take-home amount updates instantly.
FDR profit formula
For each term:
Profit = principal × annual rate × (months ÷ 12)
Source tax is deducted from the profit. On auto-renewal the after-tax amount becomes the next principal. Excise duty is charged once a year.
Examples
One-year FDR: ৳1 lakh at 10%, with PSR → profit ৳10,000, tax ৳1,000, payout ৳1,09,000. No excise duty below ৳4 lakh.
3-month FDR renewed for a year: ৳5 lakh at 10%, four 3-month terms → ৳5,46,542 after tax; the highest balance falls in the ৳5–10 lakh slab, so ৳500 excise duty leaves ৳5,46,042.
What to know in Bangladesh
Source tax: 10% of profit; 15% without PSR.
Excise duty: exempt up to ৳4 lakh in FY 2026-27; slabs can change each budget.
Day count: some banks use days ÷ 365 instead of months, so results may differ by a few taka.
Renewal rate: the bank’s rate at renewal applies; this calculator keeps one rate throughout.
Frequently asked questions
How much profit does ৳1 lakh earn per month in an FDR?
At 10%, ৳10,000 a year, about ৳833 a month; after 10% source tax, ৳9,000 a year or ৳750 a month.
How much source tax is deducted?
10% of the profit, or 15% if you must file a return but cannot show proof of submission (PSR).
What is excise duty on bank deposits?
A once-a-year charge on the account's highest balance. In FY 2026-27 balances up to ৳4 lakh are exempt; ৳5–10 lakh pays ৳500 and ৳10–50 lakh ৳3,000. Some slabs are still being verified.
Do short FDRs renewed several times earn more?
Each renewal adds the after-tax profit to the principal, so at the same rate you earn slightly more. But short-term rates are usually lower and can change at renewal.
What if I break an FDR early?
Most banks pay a lower rate (often the savings rate) or nothing if broken very early. A loan against the FDR is an alternative.