As of now, bKash does not offer a Deposit Pension Scheme (DPS). However, bKash provides a savings feature called "bKash Savings" in partnership with Islamic banks, offering competitive profit rates instead of interest (as it follows Sharia principles).
Interest Rate Of Bikash DPS 2025:
bKash Savings (Profit Rates in 2025)
Expected Profit Rate: Around 4% to 7% per annum (varies based on the bank and terms).
Tenure: Flexible (no fixed term like traditional DPS).
Minimum Balance: Usually ৳1,000 or more.
If You Meant a Bank’s DPS (2025 Rates)
Many Bangladeshi banks offer DPS (Deposit Pension Scheme) with varying interest rates (typically 6% to 10% per annum). Examples:
Sonali Bank DPS: ~7.5%
Islami Bank DPS: ~8% (profit-based)
BRAC Bank DPS: ~7-8%
bKash DPS scheme:
The bKash DPS (Deposit Pension Scheme) is a savings product offered by bKash, in partnership with IDLC Finance Limited, allowing customers to save money systematically and earn a profit over time. It’s designed to help individuals build a savings habit for future financial goals, such as retirement, education, or emergencies.
Key Features of bKash DPS:
Flexible Tenure – Choose a savings period between 5 to 10 years.
Affordable Monthly Deposits – Start with as low as ৳500 per month.
Higher Profit Rates – Earn competitive returns compared to regular savings accounts.
Convenient Auto-Debit – Automatic monthly deductions from your bKash balance.
Tax Benefits – Eligible for tax exemptions under Bangladesh’s DPS rules.
Loan Facility – Option to take a loan against your DPS (subject to terms).
How to Open a bKash DPS Account?
Open the bKash app.
Go to "Savings & Loans" > "Deposit Pension Scheme (DPS)".
Select IDLC Finance Limited as the partner.
Choose your monthly deposit amount (min. ৳500) and tenure (5-10 years).
Provide necessary details (NID, nominee info, etc.).
Confirm and activate auto-debit.
Profit Calculation
Typically ranges between 7% to 9% per annum (subject to change).
Profit is calculated on a monthly reducing balance method.
Withdrawal & Maturity
On maturity, you receive the total deposited amount + accrued profit.
Partial withdrawals are not allowed before maturity (except under special cases).
In case of emergencies, you may close the DPS early (may involve penalties).
Why Choose bKash DPS?
✅ No bank account needed – Fully digital via bKash.
✅ Disciplined savings – Auto-debit ensures consistency.
✅ Secure & Regulated – Backed by IDLC Finance Limited (licensed by Bangladesh Bank).
Customer Care
For queries, contact:
📞 bKash Helpline: 16247
📧 support@bkash.com
