Build Wealth, One Month at a Time
The Monthly Savings Scheme (MSS) is a simple, disciplined way to turn small monthly deposits into a meaningful lump sum. Designed to make saving accessible to everyone — especially middle and lower-income earners — it helps you build a secure financial future without straining your monthly budget.
Choose a monthly instalment that suits you and a tenure that matches your goal, whether it is your child's education, a future home, or simply a rainy-day fund. Your savings grow steadily with attractive returns and complete peace of mind.
- Affordable monthly instalments for every income level
- Flexible tenures with attractive maturity value
- A disciplined path to long-term financial security
Objectives:
It is very much important to take part by the people of the country for more global Economic development of Bangladesh. To ensure the success of these economic activities everyone should take part, especially lower income people. In this respect Meghna Finance Ltd. has introduced special products for our people. In this regard, we designed to start this deposit savings scheme.
Monthly Savings Scheme (MSS)
| S.N. | Monthly Deposit TK. | 1 Years | 3 Years | 5 Years | 8 Years | 10 Years |
|---|---|---|---|---|---|---|
| 1 | 1000.00 | --- | 10.00% | 10.00% | 10.00% | 10.00% |
| 2 | 2000.00 | --- | 10.00% | 10.00% | 10.00% | 10.00% |
| 3 | 3000.00 | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% |
| 4 | 5000.00 | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% |
| 5 | 10,000.00 | 10.00% | 10.00 % | 10.00% | 10.00% | 10.00% |
Terms and Conditions for Operating of MSS Account Eligibility
| S.N. | Description |
|---|---|
| 1 | Any Bangladeshi national can open account. |
| 2 | In case of minor, legal guardian will operate the account. |
| 3 | For corporate entry, account will be operated by authorized representative(s). |
Nomination
| S.N. | Description |
|---|---|
| 1 | Depositors can nominate maximum two persons as mentioning first and second priority. In case of absence of first nominee, second nominee will be entertained subject to presentation of evidence. |
| 2 | Before maturity of the accountholder can change the nominee by giving written request. |
| 3 | The nominee will not be allowed to carry on the account in the event of death of the actual account holder. |
Timing of Deposit
| S.N. | Description |
|---|---|
| 1 | The deposit must be made within the banking hours of any working day. |
| 2 | In case of advance deposit, no profit will be given on the deposited amount before due date. |
| 3 | In the depositor fails to deposit any installment within the stipulated day, he/she can pay the same along with the next installment. In the cases pacified changes will be applicable. |
Premature Encashment
| S.N. | Description |
|---|---|
| 1 | Premature encashment can be made only after one year from the effective date In case of premature encashment at the concretion of First Finance Ltd, interest will be calculate at 2% less than the prevailing rate applicable for the period for which the deposit has been maintained. |
Default situation
| S.N. | Description |
|---|---|
| 1 | If the depositor fails to deposit 3 consecutive installments,the account will be closed automatically. |
| 2 | Late payment charge is Tk.50.00 for every Tk.1,000.00 |
Tax and Levy
| S.N. | Description |
|---|---|
| 1 | Income from the deposit is subject is deduction of tax as per Income Tax Ordinance and any amendment thereof. |
| 2 | Profit rates may be changed from time to time. |
Why Choose Us
Saving Made Simple
Affordable for All
Start with a small monthly instalment that fits your budget and watch your savings grow month after month.
Flexible Tenures
Pick the term that matches your goal and enjoy an attractive maturity value at the end of the scheme.
Safe & Regulated
A licensed non-banking financial institution supervised by Bangladesh Bank — your savings stay protected.
Start saving for your future today
Talk to our team and open your Monthly Savings Scheme in just a few simple steps.