How a bKash DPS works
A DPS (deposit pension scheme) is a savings plan: you deposit a fixed amount every week or every month, and at the end of the tenure the bank returns your deposits plus interest. You open it from the bKash app, but the money sits with the partner bank — which is why the bank sets the interest rate.
bKash DPS partner banks: BRAC Bank, IDLC, Dhaka Bank, Mutual Trust Bank, City Bank, Eastern Bank and Trust Bank.
Published examples — check the calculator against them
The figures below are published examples (Prothom Alo, August 2025). Rates may have changed since then, so check today's rate in the app.
| Deposit | Bank | Rate | At maturity |
|---|---|---|---|
| Weekly ৳500 × 12 months | BRAC Bank | 8.5% | ৳27,138 |
| Weekly ৳500 × 12 months | Dhaka Bank | 9% | ৳27,205 |
| Weekly ৳500 × 12 months | IDLC Finance | 9.25% | ৳27,239 |
| Monthly ৳1,000 × 12 months | Dhaka Bank | 9% | ৳12,597 |
| Monthly ৳1,000 × 12 months | IDLC Finance | 10% | ৳12,658 |
Try the same figures in the calculator above — the results should match within a few taka.
What to know before you start
- Weekly deposits are ৳250–5,000, with tenures of 6 or 12 months. Monthly deposits are ৳500–20,000, with tenures of 6, 12, 24, 36 or 48 months.
- The exact amounts allowed depend on the partner bank and the tenure — for example, Dhaka Bank monthly 6 months only allows ৳2,000, ৳5,000, ৳10,000 and ৳20,000.
- You cannot cancel a DPS in the first 90 days.
- Tax on the profit: 10% with a TIN, 15% without. Ask your bank for the details.
- Getting the maturity amount in bKash is free.
Common questions
Does bKash set the DPS rate?
No. The partner bank sets the rate, and it differs from bank to bank. When you pick a bank in the app, it shows that bank's rate for today.
Can I close a DPS before maturity?
You cannot cancel in the first 90 days. For the rules after that, ask your bank.
Is the profit taxed?
Yes. Tax on the profit is 10% with a TIN and 15% without. The calculator shows the profit both before and after tax.
Do I pay to receive the maturity amount?
No. Getting the maturity amount in bKash is free.