Cumulative Deposit

When you opt for the Cumulative Deposit with BDF, the Scheme aims to increase your savings into a higher average rate of return. The interest will be accumulated with the principal amount at the end of each year resulting in profit calculation on a higher amount the next year. This is an ideal product if you plan to invest for longer term.

Product Feature

  • Profit compounding at the end of each year
  • Option to make Double/Triple money within short period
  • Available at both fixed and variable rate option
  • Up to 80% quick loan facility against principal amount
  • Embedded auto renewal facility
  • Deposit tenure is 24, 36, 48, 60 months
  • Minimum deposit amount of BDT 25,000


  • Minimum Age: 18 years
  • Citizen of Bangladesh

Privilege offer

Senior Citizens and Home Loan customers are eligible for preferential rate over the prevalent rate.


  • Recent Passport size photograph of A/C Holder and Nominee
  • Photograph of Nominee has to be duly attached by the account holder
  • Photocopy of NID/Passport/Driving License of A/C Holder and Nominee
  • TIN Certificate of A/C Holder ( IF available)
  • Download the MDS Form/ Collect the Form from your nearest BD Finance Branch
  • Provide completed Account Opening Form with all required documents.
  • Pay your opening amount by BEFTN/Cheque/Pay order in favor of “Bangladesh Finance And Investment Co. Limited” and provide payment details to nearest BD finance Branch.
  • Once your Payment has been cleared, an MDS account opening receipt will be issued to your name for delivery or pick up.

(on interest)

If E-TIN is Submitted 10.00%
If E-TIN is Not Submitted 15.00%


Balance up to Tk.1 Lac N/A
Balance above Tk.1 Lac but not more than Tk. 5 Lac Tk.150.00
Balance above Tk.5 Lac but not more than Tk. 10 Lac Tk.500.00
Balance above Tk.10 Lac but not more than Tk. 1 Crore Tk.3,000.00
Balance above Tk.1 Crore but not more than Tk. 5 Crore Tk.15,000.00
Balance above Tk. 5 Crore Tk.40,000.00