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    Nischinto Oboshor (NBL-NOBO)

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    Nischinto Oboshor (NBL-NOBO)

    Customer Eligibility:

    Any Bangladeshi citizen (resident/non-resident) of minimum 18 years old but not exceeding 50 years with legitimate income source is eligible to open NBL-NOBO Account.

    However, an individual whose age exceeds 50 years may open NBL-NOBO Account complying Clause 3-iii-c herein below.

    Maturity Tenure & Deposit p.m.

    Eligible individual may open NBL-NOBO for any Maturity Term and for any Monthly Deposit as detailed below:

    i) Total Maturity Tenure of NBL-NOBO shall include:

    1. Deposit Tenure: means 1st half of Maturity Tenure. During Deposit Tenure, Account Holder shall make “Monthly Deposit”.
    2. Pension Tenure: means 2nd half of Maturity Tenure. During Pension Tenure, Account Holder shall receive “Monthly Pension”.  Example:If an individual opens 10 year term NBL-NOBO Account with Tk. 5,000/- deposit p.m. he/she shall deposit Tk. 5,000/- p.m. from 1st year to 5th year (from 1st month to 60th month) and shall receive fixed pension p.m. from 6th to 10th year (61st month to 120th month).

     

    ii.

     

    Maturity Tenure (Term)

     

    Monthly Deposit (Amount

     

     

    10 Years (120 months)

     

    20 Years (240 months)

     

    30 years (360 months)

     

    40 Years (480 months

     

    Tk.1,000/-

    Tk. 5,000/-     

     

    Tk.10,000/-

     

    Tk. 20,000/-   

     

    Tk. 30,000/-

     

    Tk.40,000/- 

     

    Tk.50,000/-

     

    iii) An individual may select any of the above Maturity Tenure which is equal or lower to his/her Unexpired Service Life (USL). USL to be calculated taking Retirement Age as 60 yrs for all concerned. Maturity Tenure must be equal or lower to the difference between individual’s present age and 60 yrs.

    Example:

    1. An individual who is 40 yrs old at the time of opening NBL-NOBO A/C, his/her USL shall be (60 yrs – 40 yrs )= 20 yrs & may select any tenure in-between 5 to 20 yrs as offered above or 
    2. An individual  who is 47 yrs old at the time of opening NBL-NOBO A/C, his/ her USL shall be (60 yrs – 47 yrs)= 13 yrs & may select any tenure in-between 5 to 10 yrs as offered above.
    3. USL shall not be applicable for individual whose age exceeds 50 years. Individual under this age segment may open NBL-NOBO A/C provided he/she agrees to make Monthly Deposit for atleast 60 months and shall receive Monthly Pension for equal number of months from the following month he/she completes Deposit Tenure,Fractional age shall be excluded for selecting tenure i.e. if the USL is 13.8 years than it should be

     

    iv.

     

    An individual may open more than one NBL-NOBO A/C his/her single name for any tenure he/she is eligible under Clause 3-ii. However, it is prohibited to:

     

    1. Open multiple accounts in single name with same “Monthly Deposit “amount;

     

    1. Open account in Joint name.

     

    The revised features as per revised rate of interest of NBL-Nischinto Oboshor (NBL-NOBO) will be as follows:

     

    Maturity Tenure

    10 years

    (5 Yr Deposit Tenure)

    20 Years

    (10 Yr Deposit Tenure)

    30 Years

    (15 Yr Deposit Tenure)

    40 years

    (20 Yr Deposit Tenure)

    10.00%

    10.25%

    10.50%

    10.75%

     

    Key Figures of NBL-NOBO:

    Maturity Tenure 

    120 Months

    240 Months

    360 Months

    480 Months

    Deposit Tenure

    60 Months

    120 Months

    180 Months

    240 Months

    Pension Tenure

    60 Months

    120 Months

    180 Months

    240 Months

    Monthly Deposit

     

    Tk. 1,000

     

    Tk. 1,000

     

    Tk. 1,000

     

    Tk. 1,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 77,230

    Tk.2,04,303

    Tk.4,19,284

    Tk.7,92,262

    Monthly Pension (Approx.)

    Tk. 1,641

    Tk. 2,728

    Tk. 4,635

    Tk. 8,043

    Total Pension Payable (Approx.)

    Tk. 98,460

    Tk.3,27,360

    Tk. 8,34,300

    Tk. 1,930,320

    Monthly Deposit

    Tk. 5,000

    Tk. 5,000

    Tk. 5,000

    Tk. 5,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 3,86,148

    Tk.1,021,516

    Tk.2,096,419

    Tk.3,961,308

    Monthly Pension (Approx.)

    Tk. 8,204

    Tk. 13,641

    Tk. 23,174

    Tk. 40,216

    Total Pension Payable (Approx.)

    Tk. 492,240

    Tk.1,636,920

    Tk. 4,171,320

    Tk. 9,651,840

    Monthly Deposit

    Tk. 10,000

    Tk. 10,000

    Tk. 10,000

    Tk. 10,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 7,72,295

    Tk. 2,043,032

    Tk. 4,192,839

    Tk. 7,922,615

    Monthly Pension (Approx.)

    Tk. 16,409

    Tk. 27,282

    Tk. 46,348

    Tk. 80,433

    Total Pension Payable (Approx.)

    Tk. 984,539

    Tk. 3,273,894

    Tk. 8,342,567

    Tk. 19,303,844

    Monthly Deposit

    Tk. 20,000

    Tk. 20,000

    Tk. 20,000

    Tk. 20,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 1,544,590

    Tk. 4,086,065

    Tk. 8,385,678

    Tk. 15,845,230

    Monthly Pension (Approx.)

    Tk. 32,818

    Tk. 54,565

    Tk. 92,695

    Tk. 160,865

    Total Pension Payable (Approx.)

    Tk. 1,969,079

    Tk. 6,547,788

    Tk. 16,685,135

    Tk. 38,607,688

    Monthly Deposit

    Tk. 30,000

    Tk. 30,000

    Tk. 30,000

    Tk. 30,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 2,316,885

    Tk. 6,129,097

    Tk. 12,578,517

    Tk. 23,767,846

    Monthly Pension (Approx.)

    Tk. 49,227

    Tk. 81,847

    Tk. 139,043

    Tk. 241,298

    Total Pension Payable (Approx.)

    Tk. 2,953,618

    Tk. 9,821,682

    Tk. 25,027,702

    Tk. 57,911,532

    Monthly Deposit

    Tk. 40,000

    Tk. 40,000

    Tk. 40,000

    Tk. 40,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 3,089,181

    Tk. 8,172,130

    Tk. 16,771,356

    Tk. 31,690,461

    Monthly Pension (Approx.)

    Tk. 65,636

    Tk. 109,130

    Tk. 185,390

    Tk. 321,731

    Total Pension Payable (Approx.)

    Tk. 3,938,157

    Tk. 13,095,576

    Tk. 33,370,270

    Tk. 77,215,376

    Monthly Deposit

    Tk. 50,000

    Tk. 50,000

    Tk. 50,000

    Tk. 50,000

    Interest Rate for total Tenure

    10.00%

    10.25%

    10.50%

    10.75%

    Pensionable Fund (Approx.)

    Tk. 3,861,476

    Tk. 10,215,162

    Tk. 20,964,195

    Tk. 39,613,076

    Monthly Pension (Approx.)

    Tk. 82,045

    Tk. 136,412

    Tk. 231,738

    Tk. 402,163

    Total Pension Payable (Approx.)

    Tk. 4,922,697

    Tk. 16,369,470

    Tk. 41,712,837

    Tk. 96,519,220

    Notes:

    1. In case of providing credit facilities against scheme deposits opened from 04 August 2025, above stated interest rates are to be used in determining Minimum Lending rate.
    2. Other than the revisions mentioned above, all other features of the respective scheme deposit will remain unchanged until further notification.
    3. The Scheme Deposits opened on or before 03 August 2025 will continue as it is. Revised interest rates and encashment features will be applicable for those scheme deposits opened / renewed from 04 August 2025.
    4. Excise Duty, VAT & Income Tax are to be realized from the account as circulated by the Government time to time.
    5. The calculations of deposit schemes shown above have been calculated excluding Excise Duty, VAT, Income Tax and other charges (if any). The matured value / receivable amount of above Scheme Deposits can differ due to deductions as per Government rules.
    6. Installment amounts of Scheme Deposits have been rounded off.

     

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