CAL Bangladesh Fixed Income.
A professionally managed portfolio of Treasury Bills, Government Bonds and high-grade fixed-income instruments — built for capital preservation and consistent income.
A safe, stable, tax-efficient investment plan.
CAL Fixed Income+ Return offers a professionally managed portfolio of Treasury Bills, Government Bonds and high-grade market instruments — ideal for investors focused on capital preservation and consistent income.
Preserve your capital
Funds are allocated to government-backed instruments — the lowest-risk asset class available in Bangladesh.
Deliver consistent net returns
Tax-efficient annual returns that you can rely on, without the volatility of the equity market.
High-quality fixed-income assets
A portfolio composed of Bangladesh Treasury Bills, Government Bonds and other top-grade instruments.
Six reasons to start with Treasury-backed returns.
Government-backed security
Treasury Bills and Bonds carry the lowest credit risk in the country — your capital is protected by the sovereign.
Attractive net returns
Earn attractive net annual returns after tax — well above standard fixed deposit rates.
Maximise your tax savings
Qualify for tax rebates on Treasury investments and keep more of what you earn.
Expert fund management
Over 20 years of regional fixed-income experience steering your portfolio.
Flexible withdrawals
No lock-in period. Access your funds when you need them, with predictable settlement.
Digital & banking integration
Fund your account via BEFTN, RTGS or NPSB — most transfers settle the same business day.
Is this right for you?
Your gateway to smart, flexible and rewarding fixed income investing. CAL Fixed Income is a strong fit if you:
Want to preserve capital and avoid risk
Need consistent income for retirement or lifestyle planning
Seek long-term security with short-term flexibility
Prefer a tax-efficient investment vehicle
Open your CAL account online.
Digital onboarding via CAL360 — or speak to an advisor first. Either way, you're in good company.