Deposit Products

Grow Your Savings with Fixed Deposit Schemes

Trust Finance & Investment Ltd offers two deposit scheme options — a Monthly/Quarterly Profit Term Deposit for regular income flow, and a Cumulative Term Deposit for long-term wealth accumulation.

Both schemes are designed to deliver competitive, predictable returns while keeping your principal secure with the full backing of our regulated NBFI framework.

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Monthly Income

Regular profit distributions on term deposit

Cumulative Growth

Compounding returns to maximise maturity value

Principal Safe

Original deposit remains intact throughout the term

Auto Renewal

Automatic renewal at prevailing rates on maturity

Tk. 1 Lac

Min. deposit for Monthly/Quarterly scheme

Tk. 10,000

Min. deposit for Cumulative scheme

Up to 9.75%

Annual rate on Monthly/Quarterly deposit

3 Months

Minimum term for Cumulative deposit

Scheme 1

Monthly / Quarterly Profit Term Deposit

Receive profit every month or quarter on your deposit while keeping the original principal intact. Ideal for retirees and individuals who need a regular income stream.

Key Features
Minimum Deposit Amount
Tk. 1,00,000 (One Lac Taka)
Minimum Deposit Term
1 year
Profit Distribution
Monthly or Quarterly — depositor's choice
Principal Remains Intact
Original deposit is safe throughout the tenure
Interest Rate Schedule
Term Monthly Rate Quarterly Rate
1 Year 9.75% 9.75%

Effective Date: 21st November 2021. Rates are subject to change. Please confirm current rates with our team before investing.

Scheme 2

Cumulative Term Deposit

Profit is accumulated throughout the deposit term and paid out at maturity along with the principal — ideal for building a substantial lump sum for future goals.

Key Features
Minimum Deposit Amount
Tk. 10,000
Minimum Deposit Term
3 Months
Profit Accumulation
Profit reinvested — paid in full at maturity
Suited for Long-Term Goals
Build a substantial corpus for future financial needs
Cumulative Interest Rates
Client Type 3 Months 100 Days 6–11 Months 200 Days 12 Months 12M+
Individual 7.75% 8.25% 8.75% 9.00% 9.25% 9.25%
Corporate 6–9% 6–9% 6–9% 6–9% 6–9% 6–9%

Effective Date: 21st November 2021. Taxes are deducted from profit as per Government rules. Rates subject to change without prior notice.

Documentation

Required Documents

Passport-Sized Photographs
Recent photos of both the depositor and the nominee
National ID / Passport / E-TIN
Valid government-issued identification document
KYC Compliance
Know Your Customer form as per Bangladesh Bank guidelines
Key Terms

Scheme Aspects

Aspect Details
Eligibility Bangladeshi adults, companies, clubs, NGOs, and NRBs
Nomination One or more nominees may be designated
Account Operation Single or joint — either or survivor basis available
Mode of Deposit A/C payee cheque, Pay Order, or Demand Draft
Deposit Receipt Issued for each deposit — required at encashment
Auto Renewal Renewed at prevailing rates unless instructed otherwise
Loan Against Deposit Available — subject to FFL approval
Premature Withdrawal Allowed after 3 months; savings rate applied; before 3 months subject to Bangladesh Bank approval

Ready to open a Fixed Deposit account?

Contact our team today to confirm current rates and start your deposit application. Rates are subject to change — please verify before investing.

Contact Us Monthly Savings Scheme