Worldwide, Housing Finance is considered to be one of the safest long term lending investments and Housing Finance Institutions are the perfect place to keep their savings. In Bangladesh, DBH is not only the pioneer in this sector, but considered to be one of the best-managed institutions in the finance sector. Like any other bank, DBH is also licensed by Bangladesh Bank to collect fixed/term deposits.

DBH's recent award of the highest credit rating "AAA"(Triple A) for the 19th consecutive year is a unique record amongst the country's financial institutions. This achievement reaffirms our enduring commitment to provide the highest level of safety and security to our valued depositors.

Credit rating is a published ranking of credit worthiness which indicates the ability of an organization to fulfill their financial commitments. An independent credit rating agency awards rating based on detailed analysis of financial statements of an organization, as well as, other relevant quantitative and qualitative information. The credit rating agencies are licensed and supervised by Bangladesh Securities and Exchange Commission as well as Bangladesh Bank.

DBH's recent award of the highest credit rating "AAA"(Triple A) for the 19th consecutive year is a unique record amongst the country's financial institutions. Emerging Credit Rating Limited ( ECRL) has recently affirmed AAA long term credit rating and ST-1 short term credit rating to DBH Finance PLC.

Financial institutions rated "AAA" have extremely strong capacity to meet their financial commitments. By attaining AAA rating for the 19th consecutive year, we are one of the strongest and safest institutions in the country's financial sector. These ratings reflect the company's good corporate governance, strong capital base, market leadership in the housing finance industry, long-standing track record of sound asset quality with lowest level of non-performing loans.

Please click the link for the Deposit Rates   Download here

Cash deposit is not acceptable. Please issue an account payee cheque in favor of "DBH Finance PLC." with from your account to make deposits with DBH.

Deposit shall be made by 'Account Payee cheque drawn in favor of "DBH Finance PLC.". with duly filled application form. Deposit cheque should be made from the depositor's bank account and repayment cheque will also be made on that account.

Premature encashment is allowed only after the completion of 3 months. In such cases, return will be calculated at 2% lower than the rate, which was applicable for the period completed.

DBH deposit will be automatically renewed with accrued interest from the date of maturity for further term at the then prevailing rate of return unless it is encashed during the month of deposit matured.

The minimum period of DBH Deposit is 3 months. Deposit cannot be en-cashed within 3 months as per rules of the Bangladesh Bank.

Deposits can be made in the name of minors through their legal guardian as per government policy. The legal guardian has to submit his/her photograph along with the photocopy of identification card like National ID or passport. The guardian can also avail loan against deposits.

The depositor(s) have to return the deposit certificate duly discharged to DBH office to get the repayment Cheque. If the deposit matures on a holiday, payment will be made on the next working day.

Depositors can take loan against deposit up to 95%* of the principal deposit amount. Loan amount will depend on the deposit scheme, its tenure and subject to management approval.

Our sophisticated loan processing software will enable us to provide the loan Cheque within 10-15 minutes.

Loan against deposits is absolutely free of any processing fees

DBH Deposit is not transferable.

Return starts counting from the day of placing Form & Cheque to DBH office. In case of large deposit, deposit will be effective from Cheque clearing date.