AL-ARAFAH Bank — Deposit, Savings & Loan Rates in Bangladesh (2016–2026)
See AL-ARAFAH's currently applicable savings, FDR and lending interest rates published by Bangladesh Bank, month-by-month history charts, year-over-year change in basis points, and how this bank ranks against the industry average.
Current FDR rates
Latest peer-reviewed published rates for this bank across all fixed-deposit tenors. Source: Bangladesh Bank, last refreshed September 22, 2026.
| Tenor (Years) | Min Rate | Max Rate |
|---|---|---|
| 3M–6M | 10.00% | 10.50% |
| 6M–1Y | 10.00% | 10.00% |
| 1Y–2Y | 10.00% | 10.25% |
| 2Y–3Y | 10.25% | 10.50% |
| >3Y | 10.50% | 10.50% |
FDR rate over time
View as data table
| Month | Rate (%) |
|---|
Savings & SND rates
Published rates for savings deposits and Special Notice Deposit (SND) tiers. SND rates are intended for institutional / business balances.
Savings rate over time
View as data table
| Month | Rate (%) |
|---|
Lending rates by category
Minimum and maximum rates as published for the most popular lending categories.
| Category | Min Rate | Max Rate | Months of History |
|---|---|---|---|
| Housing Loan | 13.00% | 15.00% | 128 |
| Agriculture Loan | 12.00% | 14.00% | 128 |
| Term Loan (Large & Medium) | 13.00% | 15.00% | 128 |
| Term Loan (Small Industry) | 13.00% | 15.00% | 128 |
| Consumer Credit | 13.50% | 15.00% | 128 |
| Credit Card | 11.89% | 11.89% | 1 |
Lending rates over time
Monthly midpoint of the published min–max rate range for each lending category this bank reports to Bangladesh Bank. Click a legend item to hide / show a category; hover for monthly values.
View as data table
Year-over-year change
How much each rate has moved vs 1, 5, and 10 years ago, plus trailing-12-month trend, update frequency, and range. 100 basis points (bps) = 1.00%. Deposit deltas are green when positive; loan deltas are red when positive (more cost to the borrower).
| Category | Current | 1Y ago | Δ (bps) | Trend (12mo) | Updates (12mo) | Range (12mo) | 5Y Ago | 10Y Ago |
|---|---|---|---|---|---|---|---|---|
| Savings | 4.50% | 3.00% | +150 | Rising | 2 updates | 3.00% – 5.00% | 2.00% | 4.00% |
| FDR 1-Year | 10.13% | 10.00% | +13 | Rising | 1 update | 10.00% – 10.13% | 4.00% | 5.38% |
| FDR 3-Year | 10.38% | 10.25% | +13 | Rising | 1 update | 10.25% – 10.38% | 4.00% | 5.50% |
| Housing Loan | 14.00% | 14.00% | 0 | Flat | No change | 14.00% – 14.00% | 9.00% | 13.50% |
| Agriculture Loan | 13.00% | 13.00% | 0 | Flat | No change | 13.00% – 13.00% | 6.00% | 10.00% |
| Credit Card APR | 11.89% | — | — | Flat | No change | 11.89% – 11.89% | — | — |
Trend reflects the slope of the last 12 monthly points (Rising if the change exceeds 0.10%). Update count is the number of distinct rate values observed in the last 12 months — a useful proxy for how often the bank actually re-prices this product.
How this bank compares
AL-ARAFAH's published rate vs the simple industry average across all Bangladeshi banks.
| Category | Bank | Industry Avg | Rank | Gap (bps) | 5Y Ago | 10Y Ago |
|---|---|---|---|---|---|---|
| Savings | 7.00% | 4.39% | 8 / 61 | +261 | 2.00% | 4.00% |
| FDR 1-Year | 10.25% | 8.77% | 13 / 61 | +148 | 4.00% | 5.38% |
| FDR 3-Year | 10.50% | 8.33% | 6 / 61 | +217 | 4.00% | 5.50% |
| Housing Loan | 13.00% | 11.74% | 36 / 56 | +126 | 9.00% | 13.50% |
| Agriculture Loan | 12.00% | 10.52% | 34 / 59 | +148 | 6.00% | 10.00% |
| Credit Card APR | 11.89% | 20.89% | 4 / 38 | -900 | — | — |
For deposit products, a positive gap means the bank pays above the industry average. For lending products, a negative gap means the bank charges below the industry average.
FAQs about AL-ARAFAH rates
Where do these bank interest rates come from?
Why does the historical chart show months with no change as a continuous line?
How is "year-over-year change" calculated?
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How often is this page updated?
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Disclaimer
* Rates shown are sourced from Bangladesh Bank's Scheduled Banks Deposit & Lending Rate Schedule. The actual rate you receive depends on account type, deposit amount, branch policy, and the bank's relationship-based pricing. * Historical rates represent the rate that was in effect in the published schedule at the start of each month. Months where the bank did not file a change carry the previous rate. * Industry averages and ranks are computed only from data currently published by Bangladesh Bank (latest row per bank). * Investment decisions should consider your personal financial situation and read the bank's actual product documents. This page is for informational purposes only.