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Shamriddhi Account

Add value to
your earnings

Shamriddhi is an innovative Tiered Savings Account specially formulated to offer higher returns for higher balances.

Shamriddhi is a new tiered savings account where higher rates of interest would be paid on different higher slabs depending on the balance in the account.


The Essentials

  • Deposit of shamriddhi account would be subject to the usual rules applicable to subject accounts.

  • The standard statement would be half yearly.

  • Internet Banking facility is totally free.
  • Shamriddhi account holders would be eligible to obtain loan/overdraft facility upto 85% of deposit balance.


Feature of Shamriddhi Accounts

*  Interests grows up to 1% above savings rate

*  Interest is calculated on daily balance and credited half yearly

*  Withdraw money at your convenience

*  Avail free internet banking facilities

*  Obtain Credit facilities against the balance

*  A deposit of BDT 100,000 is all you need to give your savings a boost with Shamriddhi. Interests grow in tandem           with the balance. Combine all your scattered savings into Shamriddhi and reap elevated returns.

*  Initial Minimum Deposit BDT 50,000

*  e-Passbook facility is totally free of cost.

Account opening process

Shamriddhi account could be opened by anyone who is eligible to open a normal savings account, with an initial deposit of 50,000/-, using the standard savings account opening form.

The first Debit card will be free, however charges will be applicable for renewal.


Interest will be calculated daily and credited to your account half yearly.


Deposit of Shamriddhi account would be subject to the usual rules applicable to the savings account.


Shamriddhi would be statement savings account. The standard statement frequency would be half yearly. Monthly statement will be mailed if any transaction's occur. Any additional statement, if requested, will be issued as per the current Tarriffs and charges schedule.


There would be no restrictions on withdrawals other than what is already applicable on normal savings account. 

Terms & Conditions apply
Product information and terms & conditions are subject to change from time to time. Therefore, it is advisable to contact the branch nearest to you for the latest information and prevailing terms & conditions.

Open an account

Who can open accounts

Bangladeshi citizens residing in Bangladesh, over the age of 18 years

What you need to bring

  • National Identity Card, Driving License or Passport
  • You can open the account by making an initial deposit of BDT 50,000/-


How to apply

Download application form and submit the filled form to any Commercial Bank branch