Question 1

What deposit schemes does IPDC offer?

Accepted Answer

IPDC offers four deposit schemes: Monthly Profit Scheme (MPS), Quarterly Profit Scheme (QPS), Double Money Deposit Scheme (DMDS), and Deposit Premium Scheme (DPS), each designed for different savings goals and income preferences.

Question 2

What is the minimum deposit amount for IPDC schemes?

Accepted Answer

The minimum deposit varies by scheme. MPS, QPS, and DMDS require BDT 50,000. DPS requires BDT 1,000 per month.

Question 3

Is my deposit safe with IPDC?

Accepted Answer

Yes. IPDC Finance holds a AAA credit rating, the highest level of creditworthiness for a financial institution in Bangladesh. BRAC and the Government of Bangladesh are its principal shareholders, ensuring strong institutional oversight and governance.

Question 4

What is the difference between MPS and QPS?

Accepted Answer

Both MPS and QPS require a minimum deposit of BDT 50,000 with a 12-month minimum tenure. MPS pays profit every month, while QPS pays profit every quarter.

Question 5

How does the Double Money Deposit Scheme (DMDS) work?

Accepted Answer

Under the DMDS, your deposited amount is doubled at maturity. The current offer term is approximately 7 years 3 months. The scheme is available for individual customers and is not renewable. Minimum deposit is BDT 50,000.

Question 6

Can I get a loan against my IPDC deposit?

Accepted Answer

Yes. IPDC offers an instant overdraft facility of up to 90% of your deposited amount, allowing you to access funds without breaking your deposit scheme.

Question 7

Is IPDC a bank or a non-bank financial institution?

Accepted Answer

IPDC Finance PLC is a Non-Bank Financial Institution (NBFI), not a bank. It was Bangladesh&#x27;s first private sector NBFI and operates under the regulatory supervision of Bangladesh Bank.

Question 8

Are there special deposit benefits for women and senior citizens?

Accepted Answer

Yes. IPDC offers exclusive deposit benefits and preferential terms for women depositors, senior citizens, and physically disabled individuals, aligned with its financial inclusion mandate.

Question 9

How can I open an IPDC deposit account?

Accepted Answer

You can open an IPDC deposit account by visiting any branch, applying online through the website, or availing IPDC&#x27;s doorstep service where a representative collects your documents and processes your application at your home or office.

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