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AllOfBD Finance

Financial calculators

Estimate DPS maturity, FDR returns, Sanchayapatra profit, and loan EMI with indicative tax (AIT) assumptions. Confirm final figures with the institution.

Discovery only — published catalogue rates and terms from Bangladesh institutions. Confirm with the issuer before deciding.

Calculator

Illustrative estimates only

DPS estimate

৳500 ৳25,000 ৳50,000
Tax status (e-TIN) ? সহজ ভাষায়: মুনাফা উত্তোলনের সময় উৎসে কর কর্তন; কর শনাক্তকরণ নম্বর (e-TIN) থাকলে ১০%, না থাকলে ১৫%।

Estimated maturity

Total deposited ৳300,000
Estimated gross profit ৳78,542
Estimated AIT -৳7,854
Estimated net maturity ৳370,688
Principal: 81% Net Earnings: 19%

Illustrative estimate only. Actual amount/rate is determined by the applicable institution rules and compounding frequency.

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FDR estimate

৳10,000 ৳25 Lakh ৳50 Lakh
Tax status (e-TIN)

Estimated FDR earnings

Principal ৳100,000
Gross interest ৳9,250
Source tax (AIT) -৳925
Net maturity return ৳108,325
Principal: 92% Net Return: 8%

Illustrative estimate only. Actual amount/rate is determined by the applicable institution/government rules.

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Sanchayapatra estimate

৳10,000 ৳25 Lakh ৳50 Lakh

Government rule: Investments up to 5 Lakh BDT have 5% AIT; exceeding amounts have 10% AIT.

? সহজ ভাষায়: মেয়াদ শেষের আগে ভাঙলে মুনাফার হার কমে। যে বছরের হার অধিদপ্তরের পাতায় আছে, শুধু সেটি এখানে হিসাব হয়।

Estimated profit

Return rate 11.83% p.a.
Gross periodic profit ৳56,400 / yr
Source tax (AIT) 5% (৳2,820)
Net estimated payout ৳53,580
Net Payout: 95% Source Tax (AIT): 5%

Illustrative estimate only. Actual amount/rate is determined by the applicable government rules and investment tier slab.

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Loan EMI estimate

৳50,000 ৳50 Lakh ৳1 Crore

Estimated EMI

Estimated monthly EMI ? সহজ ভাষায়: প্রতি মাসে পরিশোধযোগ্য সমান কিস্তি (Equated Monthly Installment)। ৳21,993
Total interest ৳319,557
Total payment ৳1,319,557
Est. processing fee (incl. 15% NBR VAT) ৳5,750 (৳5,000 fee + ৳750 VAT)
Principal: 76% Interest: 24%

Illustrative estimate only. Bank loan processing fees (~0.50% standard) are subject to mandatory 15% statutory NBR VAT under Bangladesh tax law. Final terms are determined by the institution credit sanction letter. ? সহজ ভাষায়: জাতীয় রাজস্ব বোর্ডের ভ্যাট আইন অনুযায়ী ব্যাংক চার্জের ওপর ১৫% ভ্যাট প্রযোজ্য। মোট পরিশোধযোগ্য অর্থ ব্যাংক চিঠি অনুযায়ী চূড়ান্ত হয়।

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Zakat on financial assets

Shariah Compliant · 2.5%

Calculate Zakat on your bank deposits, savings, DPS, FDR, stocks, and cash holdings. Evaluated against the standard Silver Nisab under AAOIFI rules.

Shariah and regulatory methodology

1. Silver Nisab: Classical Hanafi and majority Bangladesh scholars recommend the silver threshold (52.5 tola = 612.36g) for liquid cash and currency assets to ensure broad social welfare.

2. DPS & Term Deposits: Calculated on the total deposited balance plus accrued halal profit distribution at the calculation date.

3. Standards: In accordance with AAOIFI Financial Accounting Standard 35 (Zakat) and Bangladesh Bank Islamic Banking Guidelines.

Disclaimer

AllOfBD is an information, comparison and discovery platform. Financial products are offered by their respective institutions. Product terms, eligibility, rates, approval and final decisions are determined by the relevant institution or government authority. Users should verify current information through the official source before making financial decisions.