EMI Calculator Bangladesh
Work out your monthly loan instalment in BDT, see the total interest, and compare it against rates Bangladesh banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Bangladesh
Buzdy tracks 12 banks in Bangladesh with 434 branches across 81 cities. EMI results on this page are shown in BDT. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in Bangladesh
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| MTB Classic Credit Card | mutual trust bank limited | 2.00% per month | — | — |
| Visa Debit Card | jamuna bank limited | 2.00% per month | — | — |
| World MasterCard | ab bank limited | 2.00% per month | — | — |
| EBL VISA GOLD CREDIT CARD | eastern bank plc. | 2.00% per month | — | — |
| PLATINUM CREDIT CARD | dhaka bank limited | 2.00% per month | — | — |
| Signature Card | trust bank limited | 2.00% per month | — | — |
| MasterCard Gold International | dutch bangla bank | 2.00% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 7 cards with a published rate.
Worked example — repaying BDT 1,000,000 of card balance over 5 years in Bangladesh
- Balance
- BDT 1,000,000
- Rate used
- 2% per month (≈24% a year)
- Tenure
- 60 months
- Monthly EMI
- BDT 28,768
- Total interest
- BDT 726,078
Rate taken from MTB Classic Credit Card (mutual trust bank limited) — the lowest published credit card rate we hold for Bangladesh. Buzdy does not yet hold personal loan rates for Bangladesh, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Bangladesh
Keep going in Bangladesh
Guides for Bangladesh
Bangladesh — frequently asked questions
What does BDT 1,000,000 on a credit card cost per month in Bangladesh?
At 24% a year over 60 months the instalment works out at about BDT 28,768, or BDT 726,078 of interest in total. That rate comes from MTB Classic Credit Card by mutual trust bank limited, the lowest published credit card rate Buzdy holds for Bangladesh. We do not yet hold personal loan rates for Bangladesh — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Bangladesh?
Across the 7 cards with a published rate in Bangladesh, quoted rates run from 2% per month to 2% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Bangladesh?
Buzdy maps 434 bank branches in Bangladesh across 81 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.