• Opportunity for short and long term investment
• Higher rate of interest to our female customer segment
• Clients will have flexibility of encashment. They will earn full value of any completed tenure of either 3Y/5Y/10Y and earn bank rate on the rest of the period.
• SOD up to 80% of cumulative principle amount when total cumulative deposit amount will be minimum BDT 50,000
• Loan/SOD processing charge free

• Applicant’s one photo (passport size studio print photo) and NID/ passport/ driving license photocopy
• Nominee’s one passport size studio print photo with NID/passport/driving license photocopy
• Applicant’s E-TIN certificate

• Payable interest amount is subject to Tax Deduction at Source (TDS) and Excise duty as per Government rules and regulations and interest will be paid through pay-order/ account payee cheque / credited to client’s mentioned bank account through BEFTN, RTGS etc.
• LankaBangla’s interest expense account will be debited for onward payment of interest to the client

Encashment :

Before 12 months 0 %( Only Principal)
But after completing 12 months to before maturity client will get Bank Rate (i.e. 5% p.a.) as per monthly pro – rata basis subject to payment of 6 number of installments.
After the completion of 36 months, Client will be eligible to collect full value of any completed maturity 3Y/5Y/10Y (as per the agreed upon rate at the time of starting the deposit). If the client wants to go for encashment in between completion of maturity periods, she will get full value of completed maturity and earn bank rate for the rest of the period. [i.e. – If the client goes for encashment at 3 years and 5 months, she will get the full maturity value for 3 years and earn bank rate for the 5 months.

Encashment and Premature encashment as per our SHIKHA – Money Builder Term Deposit Policy

Regulatory Requirement: The product will comply with exiting internal and external regulations of the country.

Government Levy/Excise Duty: As per government regulatory policies