Are charges or profit for HBL Bangladesh Fixed Deposit subject to government tax?

Yes, in accordance with National Board of Revenue (NBR) regulations, bank processing fees incur a statutory 15% VAT, and deposit/savings profit yields are subject to withholding tax (10% with TIN, 15% without TIN) deducted at source.

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HBL Bangladesh Fixed Deposit

Offered by Habib Bank

Last verified: October 3, 2026 · Published schedule · View official source

13 months, FI and NBFI, all amount bands 4% Indicative — confirm with the bank

About this product

Overview

Fixed deposit on the HBL Bangladesh schedule of interest rates effective 16 August 2026. Where the individuals and retirement-fund column, the non-individual column, and the state-owned organisation column print the same percent on an amount band, that percent is stored for that band. FI and NBFI is 4.00% for 77 days and for 3, 4, 6, 7, 10, 12, and 13 months, across the amount bands of that tenor. The 1-month, 24-month, and 36-month percents sit in the middle of the amount bands, so those tenors are not stored. A fixed deposit marked lien against a letter of guarantee uses the published savings deposit rate. Confirm the current rate with the institution before comparing.

Published terms

Product specifications

Payout frequency: Maturity
Auto-debit facility: Not available
Auto-renewal: Available upon maturity
Account opening: All

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Published ledger

Current rates & charges

Active rate ledger: Effective from August 16, 2026 (0 historical revisions tracked).

Tenure / specification	Rate type	Current rate	Effective date
77 days, below 1 million, except FI and NBFI	Interest Rate	Current 7%	August 16, 2026
10 months, 5 million to below 10 million, except FI and NBFI	Interest Rate	Current 8.75%	August 16, 2026
10 months, below 5 million, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
7 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
7 months, 50 million and above, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
7 months, 20 million to below 50 million, except FI and NBFI	Interest Rate	Current 9%	August 16, 2026
7 months, 10 million to below 20 million, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
7 months, below 10 million, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
6 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
10 months, 10 million and above, except FI and NBFI	Interest Rate	Current 9%	August 16, 2026
10 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
13 months, 100 million and above, except FI and NBFI	Interest Rate	Current 9.5%	August 16, 2026
13 months, 10 million to below 100 million, except FI and NBFI	Interest Rate	Current 9.5%	August 16, 2026
13 months, below 10 million, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
12 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
12 months, 50 million and above, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
12 months, 20 million to below 50 million, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
12 months, 5 million to below 20 million, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
12 months, below 5 million, except FI and NBFI	Interest Rate	Current 8.75%	August 16, 2026
6 months, 100 million and above, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
6 months, 15 million to below 100 million, except FI and NBFI	Interest Rate	Current 9%	August 16, 2026
3 months, 50 million to below 300 million, except FI and NBFI	Interest Rate	Current 9%	August 16, 2026
3 months, 10 million to below 50 million, except FI and NBFI	Interest Rate	Current 7.5%	August 16, 2026
3 months, 5 million to below 10 million, except FI and NBFI	Interest Rate	Current 7%	August 16, 2026
3 months, 3 million to below 5 million, except FI and NBFI	Interest Rate	Current 7%	August 16, 2026
3 months, below 3 million, except FI and NBFI	Interest Rate	Current 6%	August 16, 2026
77 days, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
77 days, 50 million and above, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
77 days, 1 million to below 50 million, except FI and NBFI	Interest Rate	Current 8%	August 16, 2026
3 months, 300 million and above, except FI and NBFI	Interest Rate	Current 9%	August 16, 2026
3 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
6 months, 10 million to below 15 million, except FI and NBFI	Interest Rate	Current 7%	August 16, 2026
6 months, 2 million to below 10 million, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
6 months, below 2 million, except FI and NBFI	Interest Rate	Current 8%	August 16, 2026
4 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026
4 months, 100 million and above, except FI and NBFI	Interest Rate	Current 9.25%	August 16, 2026
4 months, 10 million to below 100 million, except FI and NBFI	Interest Rate	Current 8.5%	August 16, 2026
4 months, 2 million to below 10 million, except FI and NBFI	Interest Rate	Current 7.5%	August 16, 2026
4 months, below 2 million, except FI and NBFI	Interest Rate	Current 8.25%	August 16, 2026
13 months, FI and NBFI, all amount bands	Interest Rate	Current 4%	August 16, 2026

Recent Interest Rate history (read-only)

4% Aug 2026
9.25% Aug 2026
8.5% Aug 2026
7.5% Aug 2026
8.25% Aug 2026
4% Aug 2026

Interactive decision tool

FDR yield & profit estimator

Published rate 7.00% p.a.

Fixed deposit principal ৳200,000

৳50,000 ৳2,000,000

Deposit term

Estimated maturity value ৳0 Full tenure payout

Gross interest / profit ৳0

Equivalent monthly yield ৳0 / mo

*Subject to NBR withholding tax (10% with TIN / 15% without TIN) deducted at source on interest payments.

Provenance

Source & verification

Official source HBL Bangladesh Fixed Deposit (Last verified: October 3, 2026) View official source

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Direct link to Habib Bank

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AllOfBD provides independent product discovery and rate comparison. Published terms, fees, and profit rates are verified against official Bangladesh Bank circulars and published institutional disclosures. Final approval, underwriting, and account opening terms are governed exclusively by the issuing financial institution.

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.

HBL Bangladesh Fixed Deposit 4%

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