1. Bank of Bhutan (BOB):
Features
- No upper limit on account balance
- The interest would be paid irrespective of number of withdrawals
- Annual account maintenance fee of Nu.75 bi-annually
- Alternatate Delivery channel available - mobile banking, Internet Banking, Cards
Interest rate: 4.5% per annum , calculated on daily product basis

2. Bhutan National Bank (BNB):
Features
- No minimum balance required to open and maintain account
- No restriction on maximum balance
- No limit in the withdrawal to earn interest
- Annual account maintenance fee of Nu. 150/- only
- Can access your account via internet and mobile banking facility farom anywhere, any time
Interest rates: 4.5% per annum

3. Tbank:
The return on investment on this scheme is the highest but varies based on the investment period beginning from 45 days to 120 months. The scheme is suited for those wishing to invest for tomorrow. Under this scheme fixed amount of money is deposited for a fixed period of time as above and paid principal amount with accrued interest to the account holder as maturity value. The money deposited in this account cannot be withdrawn before the maturity. However, in case of exigency of fund, bank allows to close the account prior to maturity date. In such cases, the bank applies 1% less from the maturity rate as on that date for the completed deposit period.

4. Druk PNB:
Features
- Initial Deposit and Minimum Balance Zero
- ZERO CHARGES ACCOUNT
- Free Cheque Books
- Free Statement of Accounts
- Free inter-sol transactions.
- Free funds transfer from their accounts within our CBS branches
- 50% discount in one locker and free ATM/ Debit card

1. Bank of Bhutan (BOB):
Features
- Tenure: Minimum 91 days, Maximum 10 years
- Interest payout frequency: Monthly, quarterly, half-yearly or on maturity
- Premature & partial withdrawal facility available

2. Bhutan National Bank (BNB):
Features
- Minimum term of 1 year
- Upon maturity, the amount will be credited to your Savings account
- Certain portion of interest is still available on premature withdrawal
- Can also avail loan against these deposits

BTN Fixed Deposits
Deposit Period	Rates (%) P.A
1 year to less than 2 years	7.25%
2 years to less than 3 years	7.75%
3 years to less than 4 years	8.00%
4 years to less than 5 years	8.25%
5 years to less than 6 years	8.50%
6 years to less than 7 years	8.75%
7 years to less than 8 years	9.00%
8 years to less than 9 years	9.15%
9 years to less than 10 years	9.25%
10 years and above	9.50%

3. Tbank:
The return on investment on this scheme is the highest but varies based on the investment period beginning from 45 days to 120 months. The scheme is suited for those wishing to invest for tomorrow. Under this scheme fixed amount of money is deposited for a fixed period of time as above and paid principal amount with accrued interest to the account holder as maturity value. The money deposited in this account cannot be withdrawn before the maturity. However, in case of exigency of fund, bank allows to close the account prior to maturity date. In such cases, the bank applies 1% less from the maturity rate as on that date for the completed deposit period.
Emphasizes technology-driven solutions and digital banking to enhance customer experience and convenience.

4. Druk PNB:
Features
- Opened by individual, jointly, firms, associations, club etc.
- Interest paid either monthly, quarterly, half-yearly, yearly or on maturity.
- Minimum period of 91 days and maximum period is 120 months
- Interest calculated on simple interest method
- No interest paid for closure earlier than 91 days

BTN Fixed Deposits
Deposit Period	Rates (%) P.A
3 months to less than 6 months	5%
6 months to less than 1 year	5%
1 year to less than 2 years	6.5%
2 years to less than 3 years	6.5%
3 years to less than 4 years	7.25%
4 years to less than 5 years	7.25%
5 years to less than 6 years	7.5%
6 years to less than 7 years	7.5%
7 years to less than 10 years	8.75%
10 years and above	9.00%

Above Interest rates of Term Deposits under Retail category (below Nu. 10 Million)

1. Bank of Bhutan (BOB):
Features
- Recurring deposit is a disciplined approach to savings for accumulating a larger sum for any specific purpose. A customer can have only one Recurring Deposit Plus account in his name or in the joint names with others.
- Minimum 1 year
- Maximum 20 years
- Minimum Installment for opening Recurring Deposit is Nu. 100
- Maximum Installment for opening Recurring Deposit is Nu. 10,000

2. Bhutan National Bank (BNB):
Features
- Installment directly linked to the BLA savings accounts
- Minimum installment is Nu.300, and minimum term is 1 year
- Create your recurring deposits directly from MPay
- Premature withdrawal can also be done from MPay
- Upon maturity, the amount will be credited to your Savings account
- Certain portion of interest is still available on premature withdrawal

BTN Recurring Deposits
Deposit Period	Rates (%) P.A
1 year to less than 2 years	7.00%
2 years to less than 3 years	7.50%
3 years to less than 5 years	8.00%
5 years to less than 7 years	8.50%
7 years and above	8.75%

3. Tbank:
The scheme is designed to encourage salaried and small time savers groups of customers with regular income to save through this account. The scheme is otherwise referred as Recurring Deposit Saving Scheme (RDSS). It is opened for a purpose to be served at a future date. It is aimed at financing pre planned future purposes like acquiring landed properties, construction of home/building, investing on business ventures, preparing for educational expenses of the children or spending on luxury cars. It is for those who want to save regularly for a certain period of time and earn a higher interest rate.

4. Druk PNB:
Features
- Can be open by an individual singly or jointly
- Minimum monthly instalment of Nu.100/-
- Minimum Period 6 months and maximum period is 120 months.
- Interest calculated on simple interest method
- No interest paid for closer earlier than 91 days