Welcome to Citizens Bank PLC

Deposit Rate Sheet

Effective Date: July 01, 2026

Interest Rate on Deposits (%)

Type of Deposit

Interest Rate

A) Current Deposit

0.00%

A.1) Citizens চলতি প্লাস

1.00%

A.2)) Citizens ইকুইটি বিল্ড আপ

1.00%

B) Savings Deposit

3.00%

B.1) SME Deposit

B.1.1) Citizens কমিউনিটি সেভিংস

3.00%

B.2) Retail Deposit

B.2.1) CITIZENS নিরাপদ অর্জন

6.25%

B.2.2) CITIZENS নবীন

5.75%

B.2.3) CITIZENS স্কুল সেভার্স

5.75%

B.2.4) CITIZENS প্রবাসী সঞ্চয়

5.50%

B.2.5) CITIZENS স্বাস্থ্য সুরক্ষা

5.50%

B.2.6) CITIZENS আরএমজি সেভার্স

5.75%

B.2.7) CITIZENS জয়িতা

5.00%

B.2.8) SAVINGS PAYROLL ACCOUNT

3.00%

C) SMART SAVERS Saving Account**

7.00%

** Minimum Balance TK 20,000/-

C.1) Citizens Spark Account

** 5.00%-8.00%

C.2) Citizens Premium Account (Prior Approval Needed From Corporate Liability Division To Open The Account)

** 5.00%-9.00%

D) Special Notice Deposit (SND)

Below Tk. 1.00 Crore

2.50%

Tk. 1.00 Crore to below Tk. 10.00 Crore

3.00%

Tk. 10.00 Crore to below Tk. 25.00 Crore

3.00%

Tk. 25.00 Crore to below Tk. 50.00 Crore

3.00%

Tk. 50.00 Crore and above

3.00%

E) Fixed Deposit Receipt (FDR)

E.1) FDR Account (Generic Product)

E.1.1) FDR 1 Month

8.00%

E.1.2) FDR 3 Months

10.25%

E.1.3) FDR 6 Months

10.75%

E.1.4) FDR 1 Year & Above / Citizens মেয়াদী

Any Amount

11.00%

**The sum of Multiple FDR proceeds (if any) of a single customer, will be considered as total FDR amount for fixing interest rate. Other terms and conditions will be unchanged.

E.2) Day Basis FDR Acount

E.2.1) FDR for 100 days

10.50%

E.2.2) FDR for 200 days

11.00%

E.2.3) FDR for 400 days

Any Amount

11.25%

Any Amount

11.25%

F) Double Benefit Scheme: Tenor 6 Years.

@11.90% (Half Yearly Compounding)

G) CITIZENS মাসিক আয় সংস্থান (Benefit Per Month Lac and its Multiples)

G.1) Women of Legal age and males (senior citizens) 60 (Sixty) Years or Above

Before Deducting 10% tax***

G.1.1) For 1 (One) Year

10.80%

Tk. 900.00

G.1.2) For 3(Three) Years

11.40%

Tk. 950.00

Rate (Before Deducting 10%Tax)

G.2.1) For 1 (One) Year

10.20%

Tk. 850.00

G.2.2) For 3(Three) Years

10.80%

Tk. 900.00

***If any one does not have TIN, bank will pay interest after deducting 15% tax

H ) Deposit Pension Scheme (DPS): (CITIZENS SME DPS Matured Amount (before tax and excise duty)

Monthly Installment (Tk.)*	Matured Amount (Tk.)* (before tax and excise duty)
Monthly Installment (Tk.)*	03 Years	05 Years	07 Years	10 Years
200	8,597.00	14,929.00	26,135.00	46,468.00
500	21,492.00	40,679.00	65,336.00	116,170.00
1000	42,984.00	81,358.00	130,672.00	232,340.00
2000	85,968.00	162,716.00	261,344.00	464,680.00
3000	128,952.00	244,074.00	392,016.00	697,020.00
5000	214,920.00	406,790.00	653,360.00	1,161,700.00
7000	300,888.00	569,506.00	914,704.00	1,626,380.00
10000	429,840.00	813,580.00	1,306,720.00	2,323,400.00
15000	644,760.00	1,220,370.00	1,960,080.00	3,485,100.00
20000	859,680.00	1,627,160.00	2,613,440.00	4,646,800.00
25000	1,074,600.00	2,033,950.00	3,266,800.00	5,808,500.00
Rate (p.a)	11.25%	11.50.00%	11.75%	12.00%

*The above tenor & amount is fixed.

I ) CITIZENS মিলেওনিয়ার:

Particulars	Matured Amount (Tk. 10,00,000) (before tax and excise duty)
Tenor	3 Years	5 Years	7 Years	10 Years	12 Years
Monthly Installment Tk.	23,740/-	12,720/-	8,045/-	4,567/-	3,104/-
Rate (p.a)	10.00%	10.25%	10.50%	11.00%	12.00%

Declared Lending Interest Rate by Economic Sector
With Effect From July 01, 2026
Economic Purposes	Declared rate	Lowest rate	Highest rate
A	B	C	D
A. Agriculture, Fishing & Forestry
1. Agriculture
a) Cultivation	14.50	13.50	15.50
b) Plantation	14.50	13.50	15.50
c) Agricultural Machineries and Implements	14.50	13.50	15.50
d) Fertilizers and Pesticides Loans for Farmers	14.50	13.50	15.50
e) Livestock	14.50	13.50	15.50
f) Vegetables/Fruits Preservation in cold storage	14.50	13.50	15.50
g) Agriculture Loan Disbursed through NGOs	14.50	13.50	15.50
2. Fishing	14.50	13.50	15.50
3. Forestry and Logging	14.50	13.50	15.50
B. Industry
1. Term Loan ( Other than Working Capital Financing)
a) Large Industries
(aa) RMG	13.50	12.50	14.50
(ab) Others	13.50	12.50	14.50
b) Small and Medium Industries	14.50	13.50	15.50
c) Cottage Industries/Micro Industries	14.50	13.50	15.50
d) Service Industries	14.50	13.50	15.50
2. Working Capital Financing (Excluding Export & Import Financing)
a) Large Industries
(aa) RMG	13.50	12.50	14.50
(ab) Others	13.50	12.50	14.50
b) Small and Medium Industries	14.50	13.50	15.50
c) Cottage Industries/Micro Industries	14.50	13.50	15.50
d) Service Industries	14.50	13.50	15.50
C. Construction
1. Housing (Commercial) For Developer/Contractor	14.50	13.50	15.50
2 . Housing (Residential) in urban area for individual person	13.50	12.50	14.50
3. Housing (Residential) in rural area for individual person	13.50	12.50	14.50
Declared Lending Interest Rate by Economic Sector
Economic Purposes	Declared rate	Lowest rate	Highest rate
A	B	C	D
4. Infrastructure Development (Road, Culvert, Bridge, etc.)	14.50	13.50	15.50
5. House Renovation or Repairing or Extension	14.50	13.50	15.50
6. Commercial Building (Market, Factory, Hotel, Cold storage, Warehouse etc.)	14.50	13.50	15.50
7. Establishment of Solar panel	14.50	13.50	15.50
8. Effluent Treatment Plant	14.50	13.50	15.50
9. Loan against Work Order/Pay Order/Earnest Money	14.50	13.50	15.50
10. Water-works	14.50	13.50	15.50
11. Sanitary Services	14.50	13.50	15.50
D. Transport
1. Road Transport ( excluding personal vehicle & lease finance)	14.50	13.50	15.50
2. Water Transport (excluding Fishing Boats)	14.50	13.50	15.50
3. Air Transport	14.50	13.50	15.50
E. Trade & Commerce
1. Wholesale and Retail Trade (CC, OD, etc.)
a) Wholesale Trading	14.50	13.50	15.50
b) Retail Trading	14.50	13.50	15.50
c) Other Commercial lending	14.50	13.50	15.50
2. Procurement by Government
a) Jute	14.50	13.50	15.50
b) Paddy	14.50	13.50	15.50
c) Wheat	14.50	13.50	15.50
d) Others	14.50	13.50	15.50
3. Export Financing ( PC, ECC, etc.)
a) Jute and Jute Products	14.50	13.50	15.50
b) Tea	14.50	13.50	15.50
c) Hides and Skins	14.50	13.50	15.50
d) Ready-made Garments	14.50	13.50	15.50
e) Non-traditional Items	14.50	13.50	15.50
f) Other Exported Items	14.50	13.50	15.50
Declared Lending Interest Rate by Economic Sector
Economic Purposes	Declared rate	Lowest rate	Highest rate
A	B	C	D
4. Import Financing (LIM, LTR, TR etc.)
a) Food Items	14.50	13.50	15.50
b) Petroleum and Petroleum Products	14.50	13.50	15.50
c) Machineries and Implements	14.50	13.50	15.50
d) Textile and Textile Products	14.50	13.50	15.50
e) Electric and Electronic goods & Spares	14.50	13.50	15.50
f) Sanitary Goods IncludingTiles, Stones & Clinkers	14.50	13.50	15.50
g) Cosmetics & Crockeries	14.50	13.50	15.50
h) Medicine and Surgical Instruments	14.50	13.50	15.50
i) New Automobiles	14.50	13.50	15.50
j) Reconditioned Automobiles	14.50	13.50	15.50
k) Chemicals (except Medicine)	14.50	13.50	15.50
l) Iron and Steel Products	14.50	13.50	15.50
m) Paper and Printed Papers	14.50	13.50	15.50
n) Computer and Accessories	14.50	13.50	15.50
o) Wood & Logging	14.50	13.50	15.50
p) Plastic & Plastic Products including toys	14.50	13.50	15.50
q) Leather Goods	14.50	13.50	15.50
r) Poultry feeds	14.50	13.50	15.50
s) Cattle feeds	14.50	13.50	15.50
t) Coal	14.50	13.50	15.50
u) Ship	14.50	13.50	15.50
v) Other Imported Items	14.50	13.50	15.50
5. Share Trading	14.50	13.50	15.50
6. Lease Financing/Leasing	14.50	13.50	15.50
F. Other Institutional Loan
1. Loan to Financial Corporations
a) Credit to NBFI	14.50	13.50	15.50
b) Credit to Insurance companies	14.50	13.50	15.50
Declared Lending Interest Rate by Economic Sector
Economic Purposes	Declared rate	Lowest rate	Highest rate
A	B	C	D
c) Credit to NGO (excluding Agriculture)	14.50	13.50	15.50
d) Credit to Merchant Banks/Brokerage Houses	14.50	13.50	15.50
e) Credit to Co-operative Banks/Societies	14.50	13.50	15.50
2. Financing to Educational Institutions	14.50	13.50	15.50
G. Consumer Finance
1. Doctors Loan / Professional Loans	14.50	13.50	15.50
2. Flat Purchase	13.50	13.50	14.50
3. Transport loan (Motor car/Motor cycle etc.)	14.50	13.50	15.50
4. Consumer Goods (TV, Freeze, Air Coolar, Computer, Furniture, etc.)	14.50	13.50	15.50
5. Credit Cards	24.00	23.00	25.00
6. Educational Expenses	14.50	13.50	15.50
7. Treatment Expenses	14.50	13.50	15.50
8. Marriage Expenses	14.50	13.50	15.50
9. Land Purchase	14.50	13.50	15.50
10. Loan against Salary	13.50	12.50	14.50
11. Loan against PF	13.50	12.50	14.50
12. Personal Loan against DPS, MSS, etc.	14.50	13.50	15.50
13. Personal Loan against FDR, MBS, DBS, etc.	14.50	13.50	15.50
14. Travelling/ Holiday Loan	14.50	13.50	15.50
15. Other personal Loans	14.50	13.50	15.50
H. Miscellaneous
1. Private Welfare and Development Activities	14.50	13.50	15.50
2. Advances for Special Credit Program (EPZ, Special Economic Zone, Youth development, etc.)	13.50	12.50	14.50
3. Swanirvar	14.50	13.50	15.50
4. Poverty Alleviation Program	14.50	13.50	15.50
5. Other loans not mentioned above	14.50	13.50	15.50

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