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| Retail Banking » Term Deposits » Fixed Deposit (FDR) |
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| Fixed Deposit Receipt (FDR) |
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| Customer Eligibility |
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Government Organizations |
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Autonomous and Semi Autonomous Organizations |
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Non Finance Public Enterprise |
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Local Authority |
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Insurance Companies and Pension Funds |
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Public Non Banking Financial Organizations |
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Other Financial Public Organizations |
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Others Bank |
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Individual and Others |
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Legal guardian can open term deposit account in the name of minor(s) |
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| Account Opening Procedure |
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Prescribed application form |
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Photograph of Account holder is required |
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Photograph of the nominee(s) is/are required |
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Specimen Signature required |
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| Introducer |
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May not be required |
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| Joint Account Concept |
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Joint Account allowed |
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| Withdrawal |
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Payment on maturity or premature encashment |
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| Interest withdrawal |
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Option to withdraw the accrued interest retaining the principal amount on or after maturity. |
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| Premature Encashment |
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Before 3 months - No interest and no penalty. |
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After 3 months - Interest to be paid for 3 months on applicable rate but no interest for remaining days. |
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After 6 months - Interest to be paid for 6 months on applicable rate but no interest for remaining days. |
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After 12 months - Interest to be paid for 12 months or multiple of 12 months on applicable rate but no interest for remaining days. |
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| Renewal Procedure |
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Renewal is allowed on maturity if desired by the depositor. |
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Instruction from the customer to be obtained at the time of issuing of FDR whether to be renewed for the same period at the prevailing rate |
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No renewal is allowed after the death of the depositor. |
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| Auto Renewal |
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In absence of any instruction from the depositor, the FDR shall be treated renewed 1(one) time only for 3 (three) months term automatically at the prevailing rate |
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| Overdue FDR |
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If not renewed the entire balance will be treated as Overdue Fixed Deposit. |
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Interest ceases to accrue on overdue FDR. |
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| Interest Rate |
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Period wise interest rate is different. |
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Interest rate changes time to time. |
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Account wise separate interest rate is allowed |
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Source Tax (if has TIN 10% or without TIN 15%) on interest |
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Excise duty applicable |
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Present Interest rate is given at here |
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| For any query please Contact at: Tel: (PABX) 02223381614 FAX: 880-2-9564009 or e-mail us at gsdd@pubalibankbd.com |
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.;l |
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| Foreign Currency Rates |
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| Currency |
Buying |
Selling |
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| USD |
107.50 |
107.80 |
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| EURO |
120.15 |
121.70 |
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| GBP |
132.30 |
133.95 |
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