Masik Munafa Amanat Prokolpo (MMAP)


  • Help the retired persons for investing their retirement benefits.
  • Create investment opportunities for Non-Resident Bangladeshi.
  • Explore investment opportunities for school, college, university etc.
  • Give investment opportunities for Trust; Foundation etc.
  • Deposit a fixed amount of money for a minimum tenure of 03 (Three) year to a maximum tenure of 05 (Five) years.
  • Depositor will get a certain sum of money in each month proportion to his/her deposit during the entire tenure.


  • Minimum amount of required deposit is TK.50,000.00 or its multiple 

Masik Munafa Amanat Prokolpo (MMAP) Rates  


Simple Interest Rate

Effective Interest Rate

3 & 5 years

10.67%  p.a

11 .21% p.a

( Tk.800 per month per Tk.100,000/- After tax )


Other Features

  • A savings account will be needed to be maintained to receive quarterly benefit payment
  • The bank may at any time change, add, or amend any of the terms of this scheme, and the account holder has to accept such changes.  
  • The Minimum amount of deposit is BDT 50,000.00 (Fifty thousand) or its multiples.
  • All taxes/duty/levy and /or any other surcharges persently in force or that may be imposed by the Government of Bangladesh (GOB) from time to time will be deducted/ recovered from the deposit account under this scheme.
  • In case of premature encashment interest will be paid on Saving A/C Rate.
  • A saving account will be needed to be maintained to receive quarterly benefit payment.
  • Loan may be granted up to maximum 80% of the forced encashment value on the date of loan processing. During the period of continuation of loan, monthly benefits of MBS account will be credited only to loan account.
  • Loan processing fee be realized BDT 50.00 only and stamp costs also be realized.



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