Sonali Bank DPS List 2026 – Updated Profit Rates, Schemes & Savings Guide
If you are planning to save money through monthly installments, the Sonali Bank DPS schemes offered by Sonali Bank PLC can be a safe and practical option in 2026. Whether your goal is education, marriage, retirement, or long-term financial security, Sonali Bank offers several savings schemes designed for different income groups and investment plans.
In this updated 2026 guide, you’ll find the latest Sonali Bank DPS schemes, profit rates, durations, minimum installment amounts, account opening process, and important advantages and disadvantages. The information below has been updated using the latest available banking sources and current banking rate discussions for 2026. (Sonalibank)
What is Sonali Bank DPS?
A DPS (Deposit Pension Scheme) is a savings system where customers deposit a fixed amount every month for a selected period. After maturity, the depositor receives the total savings along with accumulated profit.
Sonali Bank PLC is one of the largest government-owned commercial banks in Bangladesh, operating through more than 1,200 branches nationwide. Because it is a state-owned bank, many customers prefer it for secure long-term savings.
Most Sonali Bank DPS schemes offer either compound profit or simple profit, depending on the product type and duration. In 2026, profit rates generally range between 5% and 10%. (BiniQo)
Benefits of Sonali Bank DPS Schemes
Safe and Government-Backed
Since Sonali Bank is a state-owned financial institution, depositors consider it one of the safer places for long-term savings.
Low Monthly Installment Options
Some schemes start from only BDT 100 per month, making them suitable for students, small business owners, and middle-income families.
Compound Profit Growth
Several schemes provide compound profit facilities, helping savings grow faster over time.
Multiple Savings Plans
There are dedicated schemes for:
- Education savings
- Marriage planning
- Retirement savings
- Expatriate investments
- Monthly income generation
Easy Banking Access
Installments can be deposited through bank branches and digital banking channels, including the official mobile banking platform. (Google Play)
Sonali Bank DPS List 2026 (Updated)
Below is the updated Sonali Bank DPS List for 2026 based on currently available banking information and recent rate updates.
| Scheme Name | Estimated Profit Rate (2026) | Duration | Minimum Monthly Deposit |
|---|---|---|---|
| Sonali Savings Scheme | 6.50% (Compound) | 5 Years | BDT 500 |
| Education Savings Scheme | 6.50% (Compound) | 10 Years | BDT 500 |
| Medical Savings Scheme | 6.50% (Compound) | 10 Years | BDT 500 |
| Rural Savings Scheme | 6.50% (Simple) | 7 Years | BDT 100 |
| Marriage Savings Scheme | 6.50% (Compound) | 10 Years | BDT 100 |
| Non-Resident Deposit Scheme | 7.00% (Simple) | 5 Years | BDT 5,000 |
| Retirement Savings Scheme | Up to 10.00% | 3–15 Years | BDT 3,000 |
| Millionaire Scheme | 6.00%–7.50% | 4–20 Years | BDT 1,000 |
| Independent Savings Scheme | Existing Rate + Bonus Profit | 5–10 Years | BDT 1,000 |
| Anannya Sonali Savings Scheme | 9.25%–9.75% | 3–5 Years | BDT 1,000 |
| Sonali Lakhpati Savings Scheme | 5.50%–6.00% | 2–3 Years | BDT 2,600 |
| Monthly Profit Savings Project | Around 9.00% | 3–5 Years | BDT 100,000 |
| Expatriate Monthly Profit Project | Around 9.00% | 3 Years | BDT 200,000 |
| Special Savings Project | 8.50%–9.00% | 3 Years | BDT 1,000 |
| Expatriate Bond Project | 9.00%–10.00% | 3–10 Years | BDT 1,000 |
Important Note: Profit rates may change depending on Bangladesh Bank policy updates and market conditions. Always confirm the latest rate from your nearest Sonali Bank PLC branch before opening any DPS account. (Sonalibank)
How to Open a Sonali Bank DPS Account
Opening a DPS account is quite simple. Here’s the usual process followed by most branches:
Step 1: Collect Required Documents
You will usually need:
- National ID Card (NID)
- Passport-size photographs
- TIN certificate (if available)
- Nominee details
Step 2: Visit the Nearest Branch
Go to your nearest Sonali Bank PLC branch and request the DPS application form.
Step 3: Choose Your Scheme
Select:
- Scheme name
- Deposit duration
- Monthly installment amount
Step 4: Deposit the First Installment
Submit the first monthly installment through cash or cheque.
Step 5: Account Activation
After verification, the bank will activate your DPS account and provide the account details or passbook.
Which Sonali Bank DPS Scheme is Best in 2026?
The ideal DPS scheme depends on your savings goal and investment period.
Best for Short-Term Savings
The Anannya Sonali Savings Scheme offers comparatively higher profit rates for shorter durations.
Best for Long-Term Retirement Planning
The Retirement Savings Scheme remains one of the most attractive options because of its higher long-term profit structure.
Best for Future Family Planning
The Education and Marriage Savings Schemes are suitable for parents planning future expenses gradually.
Best for Expatriates
The Expatriate Bond Project offers competitive profit rates designed specifically for non-resident Bangladeshis.
Frequently Asked Questions
What is the Sonali Bank DPS profit rate in 2026?
Depending on the scheme, current profit rates generally range between 5% and 10%. (BiniQo)
Can I close the DPS account before maturity?
Yes, but early closure may reduce your profit amount, and penalties may apply.
Is Sonali Bank DPS safe?
Since Sonali Bank PLC is a government-owned bank, DPS savings are considered relatively secure.
Can expatriates open DPS accounts?
Yes. Sonali Bank offers several savings products specifically for expatriates and non-resident Bangladeshis.
Conclusion
Sonali Bank DPS schemes remain one of the most popular savings options in Bangladesh for people who want disciplined monthly savings with relatively stable profit returns. From low-income savers to long-term retirement planners, there are multiple schemes available for different financial goals.
Before investing, always compare the latest rates, understand the maturity conditions, and confirm updated information directly from Sonali Bank PLC’s official website.
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