Savings Product Schedule

Particulars	Product Features
Eligible Members	All active PAF members
Minimum Deposit	BDT 10 per week or BDT 50 per month (minimum requirement, subject to Board approval)
Interest Rate	6.00% per annum (calculated on the monthly average balance and credited annually)
Deposit Frequency	Weekly or Monthly
Account Duration	Throughout active membership
Withdrawal	Members may withdraw available savings at any time, provided the required minimum balance or any Board-approved condition is maintained.
Account Type	Flexible savings account

Particulars	Product Features
Eligible Members	All registered PAF members
Minimum Deposit	Any amount above the approved minimum deposit
Interest Rate	6.00% per annum (calculated on the monthly average balance and credited annually)
Deposit Frequency	Flexible
Withdrawal	Withdrawals are permitted at any time in accordance with the Foundation’s Savings Policy.
Account Type	Flexible savings account

Particulars	Product Features
Eligible Members	Registered PAF members
Monthly Deposit Options	BDT 50, 100, 200, 300, 500, or 1,000 (or other Board-approved amounts)
Contract Period	5 Years or 10 Years
Interest Rate	9.00% per annum for the 5-year plan; 12.00% per annum for the 10-year plan
Interest Method	Compound interest in accordance with the Foundation’s approved methodology
Deposit Frequency	Monthly
Early Withdrawal	Permitted under the Early Withdrawal Policy; the applicable return may be adjusted based on the actual savings period completed.
Maturity Benefit	Total accumulated savings plus applicable interest at maturity

Particulars	Product Features
Eligible Members	Active borrowers enrolled in the scheme
Minimum Contribution	BDT 10 per week or BDT 50 per month
Savings Period	Up to 400 weeks or another Board-approved term
Benefit	Accumulated savings together with benefits determined under the approved CBSF Policy
Member Protection	Additional benefits for eligible nominees or legal heirs may be provided in accordance with the Foundation’s Loan Security & Risk Fund (LSRF) and CBSF policies.
Early Closure	Permitted in accordance with the Foundation’s approved CBSF Policy.

All savings accounts shall be opened only after completion of membership registration and KYC requirements.
All deposits and withdrawals shall be recorded in the member’s passbook and the Foundation’s Management Information System (MIS).
Interest shall be calculated and credited according to the Foundation’s approved methodology.
The Board of Trustees may revise deposit limits, interest rates, product features, and operational conditions from time to time, subject to applicable laws and regulatory requirements.
Members shall receive complete information regarding the terms and conditions before opening any savings account.