Saving ৳5,000 a month for 5 years at a 7.25% provisional rate is expected to pay about ৳3,56,220 after tax. If the final rate is 0.5% lower or higher, that becomes ৳3,51,892 to ৳3,60,622.
৳
= 5 thousand taka
years
= 60 months / 60 instalments
%
Changing the term fills in an example rate (Islami Bank Bangladesh, provisional rates from 1 January 2026). Enter your bank's rate.
Profit is added
Proof of return submission (PSR)
± 0.5%
Expected payout at maturity
৳3,56,220
At the provisional rate, after source tax
If the final rate is ±0.5%: ৳3,51,892 to ৳3,60,622
Total deposited
৳3,00,000
Gross profit (before tax)
৳62,467
Maturity value
৳3,62,467
Source tax (10%)
− ৳6,247
You receive
৳3,56,220
Saving ৳5,000 a month for 5 years at a 7.25% provisional rate is expected to pay ৳3,56,220 after tax. Depending on the final rate it may be ৳3,51,892 to ৳3,60,622.
This is an estimate at the provisional rate. The bank declares the final rate after the year closes, and many banks publish a fixed maturity table for the scheme, so small differences are normal.
Example rates: Islami Bank Bangladesh, provisional rates from 1 January 2026. They may have changed since — being verified. Enter your bank's rate.
How this was calculated
Total deposit = ৳5,000 × 60 instalments = ৳3,00,000
Monthly rate = 7.25% ÷ 12 = 0.6042%
Profit is worked out monthly on the running balance and added monthly
Maturity value ৳3,62,467, so profit is ৳62,467
Source tax at 10% = ৳6,247; net payout ৳3,56,220
If the final rate differs, the payout is ৳3,51,892 to ৳3,60,622
Pick the term (1 to 15 years, or months). Changing the term fills in an example provisional rate.
Type your bank's rate if you know it, and choose whether profit is added monthly or every 3 months.
Say whether you have proof of return submission (PSR).
Use the slider for how far the final rate may differ to see the range.
How profit is worked out (at the provisional rate)
Each instalment is deposited at the start of the month. Monthly rate = yearly provisional rate ÷ 12. Profit is worked out every month on the running balance and added monthly or every 3 months, depending on the scheme. Source tax is deducted from the total profit at maturity.
Examples
5 years: ৳5,000 a month at 7.25%, profit added monthly. Deposits ৳3,00,000, profit about ৳62,467, tax ৳6,247, payout about ৳3,56,220.
10 years: ৳2,000 a month at 7.75%. Deposits ৳2,40,000, profit about ৳1,23,163, payout after tax about ৳3,50,847.
Term
Example provisional rate (1 January 2026)
6 months
5.25%
1 year
5.75%
2 years
6.00%
3–4 years
6.75%
5 years
7.25%
7 years
7.50%
10 years
7.75%
15 years
8.00%
What to know in Bangladesh
Rates differ by bank and scheme: the table is one bank’s example; check your bank’s rate sheet.
Final rate after the year: the provisional rate is used now and adjusted to the final rate later.
Source tax: 10% of profit, 15% without proof of return submission (PSR).
Instalment rules: late payment, early closure and loans against the scheme differ by bank.
More: monthly savings or a term deposit?
If you don’t have a lump sum, a monthly savings scheme builds the habit. With a lump sum, a Mudaraba term deposit usually pays a higher rate. In a monthly scheme the early instalments earn for longer than the last ones, so the average profit on the total deposited looks like about half the stated rate — that is normal.
Frequently asked questions
What is a Mudaraba monthly savings scheme?
It is an Islamic bank's DPS-type scheme: you deposit a fixed instalment every month, and the investment income on the deposits is shared under Mudaraba and added as profit. At maturity you receive the deposits and profit together.
How is it different from a DPS calculation?
The arithmetic is almost the same — profit is worked out monthly on the running balance. The difference is that the Mudaraba rate is provisional; the final rate is declared after the year, and the profit is a share of investment income, not interest.
How much will ৳5,000 a month for 5 years give?
At a 7.25% provisional rate you deposit ৳3,00,000, earn about ৳62,467 profit, and receive about ৳3,56,220 after 10% source tax. Try your bank's rate above.
Why doesn't it match my bank's maturity table?
Many banks publish a fixed maturity table for the scheme, with their own crediting and rounding rules. A difference of a few hundred taka is normal.
What if I pay late or stop midway?
Rules differ by bank — some charge a late fee, and stopping early usually earns a lower rate. Check the terms when you open it.
Also searched as
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