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Profit Rates for
Islami Banking

Deposit Rates

Investment Rates

Declared Investment Profit Rate by Economic Sector
As on 01-04-2026
Economic Purposes Declared rate Lowest rate Highest rate
A. Agriculture, Fishing & Forestry      
1. Agriculture 12.00% 11.00% 13.00%
a) Cultivation 12.00% 11.00% 13.00%
b) Plantation 12.00% 11.00% 13.00%
c) Agricultural Machineries
    and Implements		 11.50% 10.50% 12.50%
d) Fertilizers and Pesticides
     Investments for Farmers		 12.00% 11.00% 13.00%
e) Livestock 12.00% 11.00% 13.00%
f) Vegetables/Fruits
    Preservation in cold storage		 12.00% 11.00% 13.00%
g) Agriculture  Investment Disbursed
    through NGOs		 11.50% 10.50% 12.50%
2. Fishing 12.00% 11.00% 13.00%
3. Forestry and Logging 12.00% 11.00% 13.00%
B. Industry      
1. Term Investment ( Other than
    Working Capital Financing)		      
a) Large Industries      
           (aa) RMG 13.00% 12.00% 14.00%
           (ab) Others 13.00% 12.00% 14.00%
b) Small and Medium Industries 14.00% 13.00% 15.00%
c) Cottage Industries/Micro
     Industries		 14.00% 13.00% 15.00%
d) Service Industries 13.00% 12.00% 14.00%
2. Working Capital Financing
    (Excluding Export & Import
     Financing)		      
a) Large Industries      
           (aa) RMG 13.00% 12.00% 14.00%
           (ab) Others 13.00% 12.00% 14.00%
b) Small and Medium Industries 14.00% 13.00% 15.00%
c) Cottage Industries/Micro
     Industries		 14.00% 13.00% 15.00%
d) Service Industries 13.00% 12.00% 14.00%
C. Construction      
1. Housing (Commercial) For
    Developer/Contractor		 13.00% 12.00% 14.00%
2 . Housing (Residential) in urban
     area for individual person		 12.50% 11.50% 13.50%
3. Housing (Residential) in rural
     area for individual person		 12.50% 11.50% 13.50%
4. Infrastructure Development
     (Road, Culvert, Bridge, etc.)		 13.00% 12.00% 14.00%
5. House Renovation or
     Repairing or Extension		 12.50% 11.50% 13.50%
6. Commercial Building (Market,
     Factory, Hotel, Cold storage,
     Ware-house etc.)		 13.00% 12.00% 14.00%
7. Establishment of Solar panel 13.00% 12.00% 14.00%
8. Effluent Treatment Plant 13.00% 12.00% 14.00%
9.  Investment against Work Order/Pay
     Order/Earnest Money		 13.00% 12.00% 14.00%
10. Water-works 13.00% 12.00% 14.00%
11. Sanitary Services 13.00% 12.00% 14.00%
D. Transport      
1. Road Transport ( excluding
    personal vehicle & lease finance)		 13.00% 12.00% 14.00%
2. Water Transport
    (excluding Fishing Boats)		 13.00% 12.00% 14.00%
3. Air Transport 13.00% 12.00% 14.00%
E. Trade & Commerce      
1. Wholesale and Retail Trade
    (CC, OD etc.)		      
a) Wholesale Trading 13.00% 12.00% 14.00%
b) Retail Trading 13.00% 12.00% 14.00%
c) Other Commercial Financing 13.00% 12.00% 14.00%
2. Procurement by Government      
a) Jute 13.00% 12.00% 14.00%
b) Paddy 13.00% 12.00% 14.00%
c) Wheat 13.00% 12.00% 14.00%
d) Others 11.50% 10.50% 12.50%
3. Export Financing ( PC, ECC etc.)      
a) Jute and Jute Products 12.50% 11.50% 13.50%
b) Tea 12.50% 11.50% 13.50%
c) Hides and Skins 12.50% 11.50% 13.50%
d) Ready-made Garments 12.50% 11.50% 13.50%
e) Non-traditional Items 12.50% 11.50% 13.50%
f) Other Exported Items 12.50% 11.50% 13.50%
4. Import Financing
    (LIM, LTR, TR etc.)		      
a) Food Items 13.00% 12.00% 14.00%
b) Petroleum and
    Petroleum Products		 13.00% 12.00% 14.00%
c) Machineries and Implements 13.00% 12.00% 14.00%
d) Textile and Textile Products 13.00% 12.00% 14.00%
e) Electric and Electronic
    goods & Spares		 13.00% 12.00% 14.00%
f) Sanitary Goods Including
    Tiles, Stones & Clinkers		 13.00% 12.00% 14.00%
g) Cosmetics & Crockeries 13.00% 12.00% 14.00%
h) Medicine and Surgical
    Instruments		 13.00% 12.00% 14.00%
i) New Automobiles 13.00% 12.00% 14.00%
j) Reconditioned Automobiles 13.00% 12.00% 14.00%
k) Chemicals (except Medicine) 13.00% 12.00% 14.00%
l) Iron and Steel Products 13.00% 12.00% 14.00%
m) Paper and Printed Papers 13.00% 12.00% 14.00%
n) Computer and Accessories 13.00% 12.00% 14.00%
o) Wood & Logging 13.00% 12.00% 14.00%
p) Plastic & Plastic Products
    including toys		 13.00% 12.00% 14.00%
q) Leather Goods 13.00% 12.00% 14.00%
r) Poultry feeds 13.00% 12.00% 14.00%
s) Cattle feeds 13.00% 12.00% 14.00%
t) Coal 13.00% 12.00% 14.00%
u) Ship 13.00% 12.00% 14.00%
v) Other Imported Items 13.00% 12.00% 14.00%
5. Share Trading 13.00% 12.00% 14.00%
6. Lease Financing/Leasing 13.00% 12.00% 14.00%
F. Other Institutional Investment      
1.  Investment to Financial Corporations      
a)  Investment to NBFI 13.50% 12.50% 14.50%
b)  Investment to Insurance companies 13.50% 12.50% 14.50%
c)  Investment to NGO
    (excluding Agriculture)		 13.00% 12.00% 14.00%
d)  Investment to Merchant Banks/
     Brokerage Houses		 13.00% 12.00% 14.00%
e)  Investment to Co-operative
     Banks/Societies		 N/A N/A N/A
2. Financing to
     Educational Institutions		 13.00% 12.00% 14.00%
G. Consumer Finance      
1. Doctors  Investment/
     Professional  Investments		 12.00% 11.00% 13.00%
2. Flat Purchase 11.50% 10.50% 12.50%
3. Transport  Investment
    (Motor car/Motor cycle etc.)		 12.00% 11.00% 13.00%
4. Consumer Goods (TV, Freeze, Air
     Coolar, Computer, Furniture etc.)		 12.00% 11.00% 13.00%
5. Hasanah Credit Cards N/A N/A N/A
6. Educational Expenses 12.00% 11.00% 13.00%
7. Treatment Expenses N/A N/A N/A
8. Marriage Expenses N/A N/A N/A
9. Land Purchase N/A N/A N/A
10.  Investment against Salary N/A N/A N/A
11.  Investment against PF N/A N/A N/A
12. Personal Investment against
      TD, MBS, DBS, DPS, MSS etc. maintained with our Bank**		 Instrument Rate + 3.00%    
13. Personal  Investment against
      Term Deposit maintained with other Bank**		 12.00% 11.00% 13.00%
14. Travelling/ Holiday Investment N/A N/A N/A
15. Other personal Investments 12.00% 11.00% 13.00%
H. Miscellaneous      
1. Private Welfare and
    Development Activities		 N/A N/A N/A
2. Advances for Special Investment     Program (EPZ, Special Economic
    Zone, Youth development etc.)		 13.00% 12.00% 14.00%
3. Swanirvar N/A N/A N/A
4. Poverty Alleviation Program N/A N/A N/A
5. Other Investments 13.00% 12.00% 14.00%
5.(a) FO under Bai Murabaha/HPSM against FCY Term Deposit maintained with our Bank (WB)** 9.75% 8.75% 10.75%
5.(b) FO undedr Bai Murabaha/HPSM against PHTD, MSND/PHSND, DPS & other deposit maintained with our bank (WB & MSME) ** Instrument Rate + 3.00%    
5. (c) Secured Investrment under Bai Murabaha/HPSM against TD maintained with other Bank (for MSME) ** 13.00% 12.00% 14.00%
5. (d) Quard N/A N/A N/A
5. (e) WB Special Investment*** 11.00% 10.00% 12.00%
5. (f) Other Investment not mentioned above 13.00% 12.00% 14.00%

*Any disbursement below declared rate will require CEO's approval.
**Bai Murabaha/HPSM against LCY for all Segments require approval from HOCRM, if spread is below 3.00%; and respective authority will check counter party limit for secured investment against other bank instruments.
***Bai Murabaha/HPSM against FCY for Wholesale Banking require approval from CEO, if rate is below 10.00%.
***Any investment under the WB Spedial Investment will require prior approval from CEO.

üProfit Rate Application will be governed by BRPD Circular no.10, dated 08 May 2024 issued by Bangladesh Bank.