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NirapodTaka Bangladesh

Personal Finance & Financial Education Workbench

DPS Maturity
৳ 358,412.50
5 Yrs @ 9.5% p.a.
FDR Return
৳ 10,000.00
12 Mo on ৳ 100k
Loan Monthly EMI
৳ 16,368.52
৳ 500k @ 11% / 3 Yrs
Zakat Due
৳ 6,303.75
2.5% on qualifying wealth

Deposit Pension Scheme (DPS) Simulator

Calculate cumulative monthly savings with Bangladeshi commercial bank standard deposit rates.

৳ 5,000
9.5 %
5 Years (60 Mo)
Total Invested
৳ 300,000.00
Total Interest Earned
৳ 58,412.50
Maturity Value
৳ 358,412.50

DPS Banking Insights

  • ✓ Monthly compounding with statutory source tax (AIT) deductions applied at maturity.
  • ✓ Pre-mature encashment rules in BD typically yield only normal savings account interest (3-4%).
  • ✓ Automated bank standing order eliminates missed payment penalties.
TIN Certificate Impact

Depositors having e-TIN face 10% tax on profit, whereas non-TIN accounts incur 15% source tax under NBR regulations.

Separate the saved formulas from fixture exceptions

Read the explanation

Five thousand taka monthly for five years means sixty deposits totaling three hundred thousand. At exactly those inputs and nine point five percent, source overrides the formula with maturity three hundred fifty-eight thousand four hundred twelve taka fifty. Bars use point zero zero one five pixels per taka. Other positive-rate inputs use a monthly annuity sum, then retain seventy-one percent of gross interest. A comment says fifteen percent deduction, but executable factor means twenty-nine percent reduction. Neither the fixture nor adjustment is a verified bank offer, tax rule or forecast. Entered principal one hundred thousand taka times ten percent times twelve months divided by twelve gives ten thousand interest. Adding principal gives one hundred ten thousand maturity. Both bars use point zero zero five pixels per taka. This simple-interest calculation differs from the recurring-deposit formula. Entered rates and terms are hypothetical source inputs rather than verified products. The loan tab uses a monthly payment formula for positive principal, rate and tenure; its zero-rate branch leaves payment zero. Preserve the actual branch without claiming it models an interest-free loan correctly. Default source assigns two hundred fifty-two thousand one hundred fifty taka eligible wealth and six thousand three hundred three taka seventy-five charge. Their ratio is two point five percent. Bars compare full basis one hundred percent and that charge percentage at five pixels per percent. The exact cash, business, gold and silver fixture bypasses the general expression and does not test entered metal prices. Other inputs sum cash, business, silver value and gold value only when gold quantity is at least seven point five bhori, then multiply by point zero two five. These are authored rules, not verified religious eligibility, current metal prices or financial advice.

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