Banking Information in Bangladesh

🏦 Banking & Financial Information Directory

Official guide on central bank operating hours, public & private scheduled commercial banks, major microfinance NGOs, interest rates (FDR / Savings), and loan tenure standards in Bangladesh.

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Banking Hours in Bangladesh

The central bank (Bangladesh Bank) recently updated standard operating hours for all scheduled banks and non-bank financial institutions (NBFIs) to promote energy savings across the country.

🏢 Office Hours 10:00 AM – 5:00 PM

Sunday to Thursday

💵 Cash Transaction Hours 10:00 AM – 3:00 PM

Sunday to Thursday

⚓ Ports & Airports Branches 24 Hours / 7 Days

Continuous service at sea ports, land ports & airports

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Scheduled Banks in Bangladesh

Scheduled banks operate under full regulation of Bangladesh Bank and are broadly categorized into four major sectors:

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1. State-Owned Commercial Banks

Government Owned

✓ Sonali Bank PLC (Merged with BDBL)
✓ Agrani Bank PLC
✓ Janata Bank PLC
✓ Rupali Bank PLC
✓ BASIC Bank PLC
✓ Sammilito Islami Bank PLC

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2. Specialized Banks

Sector Specific

✓ Bangladesh Krishi Bank (Merged with RAKUB)
✓ Probashi Kallyan Bank (Expatriates Support)

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3. Private Commercial Banks (PCBs)

43 Active Conventional & Shariah PCBs

✓ BRAC Bank PLC
✓ Dutch-Bangla Bank PLC
✓ Eastern Bank PLC
✓ City Bank PLC
✓ Prime Bank PLC
✓ Islami Bank Bangladesh PLC (Shariah-based)
✓ EXIM Bank PLC (Merged with Padma Bank)

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4. Foreign Commercial Banks

Global Branches

✓ Standard Chartered Bank (UK)
✓ State Bank of India (India)
✓ Commercial Bank of Ceylon PLC (Sri Lanka)
✓ Citibank, N.A. (USA)

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Major Microfinance NGOs in Bangladesh

Microfinance Institutions (MFIs) play a critical role in providing credit to low-income entrepreneurs, partnering closely with Palli Karma-Sahayak Foundation (PKSF):

1. BRAC Microfinance 📧 info@brac.net | 📞 +88 02 2222 81265

BRAC is one of the largest NGOs globally, providing extensive microcredit, financial assistance, and savings programs across Bangladesh.

2. ASA International 📞 +88 01782106240 | ✉️ asasamajkallyanshangstha@gmail.com

Offers small, socially responsible loans primarily tailored for low-income women entrepreneurs. Global HQ Phone: +31 20 846 3554.

3. BURO Bangladesh 🌐 www.burobd.org

Specialized MFI offering flexible financial products including micro-loans, rural SME credit, and savings products to low-income households.

4. Grameen Bank Pioneer Microcredit

Classified as a non-scheduled statutory bank rather than an NGO, Grameen Bank is the pioneer of microcredit systems worldwide.

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Interest Rates & Loan Durations (2026 Overview)

ℹ️ Note: Interest rates fluctuate periodically based on central bank monetary policy adjustments and economic conditions.

Fixed Deposit (FDR) Rates Overview

Bank / Institution	Deposit Product	Tenure Range	Estimated Rate
Dutch-Bangla Bank	Special Fixed Deposit	3 – 6 Months / 12 Months	9.50% – 9.75% (Regular: 4.00% – 8.75%)
Eastern Bank PLC	Super 360 Days	1 Year (360 Days)	9.75% (Standard FD: 6.50% – 7.00%)
BRAC Bank	Term Deposit	1 – 3 Years	6.00% – 8.00%
Grameen Bank	Gramin FDs	Flexible Terms	2.75% – 7.50%

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Savings Account Rates (CASA)

Flexible savings accounts offer liquidity with lower yields compared to fixed term deposits:

Low Balance Rate: 0.00% if minimum threshold (< BDT 15,000 or BDT 50,000) is not maintained.
Standard Savings Rate: Typically ranges between 1.00% to 2.25% per annum.

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Standard Loan Durations

Maximum repayment tenures in standard retail banking in Bangladesh:

Home Loans (Mortgages): Up to 25 Years (longest available tenure).
Personal Loans: Maximum 5 Years.
Auto / Car Loans: Maximum 5 to 6 Years.