What is CAL Fixed Income?

Looking for a safe, stable, and tax-efficient investment opportunity in Bangladesh?
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
Your funds are allocated to government-backed and high-grade fixed income instruments, ensuring maximum capital protection with minimal market risk.

Deliver Consistent Net Returns
Benefit from attractive, tax-efficient annual returns, offering a dependable income stream without volatility.

Invest in High-Quality Fixed Income Assets
The portfolio is composed of Bangladesh Treasury Bills, Government Bonds, and top-rated market instruments — all carefully selected and managed by experts at CAL Investments Ltd.

Why Choose CAL Fixed Income?

A smart, stable, and professionally managed investment solution tailored for individuals seeking low-risk returns, tax efficiency, and flexible access — backed by the Government of Bangladesh and CAL’s expert fund management team.

Government-Backed Security

Your capital is invested in Bangladesh Treasury Bills and Government Bonds — offering low risk and high confidence.

Attractive Net Returns

Earn 8.4% to 11.88% annually (after tax), outperforming traditional savings and deposit accounts.

Maximize Your Tax Savings

Qualify for tax rebates on your investment under Bangladesh’s Income Tax – keeping more of your returns in your pocket.

Expert Fund Management

Your portfolio is actively managed by CAL Investments Ltd., with over 20 years of regional fixed income experience.

Flexible Withdrawals

Withdraw your funds anytime based on prevailing market value — no lock-in period.

Digital and Banking Integration

Transact easily via BEFTN, RTGS, or NPSB, and manage your investment through supported banking apps.

CAL Bangladesh – Your Preferred Partner in Capital Markets

Explore CAL Bangladesh, a key player in the financial sector, offering expert investment banking and stock brokerage services. Learn how CAL Bangladesh, as part of the CAL Group, is transforming financial markets with cutting-edge solutions and deep market insights. Stay tuned for an inside look at its impact on Bangladesh’s financial landscape!

How Do Returns Compare to Other
Investments?

Treasury Bills and Bonds offer secure, government-backed income—ideal for steady, long-term financial planning.

Stable, predictable returns over your chosen investment period

Higher yields compared to most traditional savings or fixed deposit products

Tax-efficient benefits, depending on the instrument and holding period

Instrument Estimated Net Return
3–Month T–Bill 8.5% – 9.0%
1–Year Bond 9.5% – 10.5%
5–Year Bond 10.5% – 12.0%

Earn through stable, reliable instruments that outperform most savings options.

Want to preserve capital
and avoid risk

Need consistent income for retirement or lifestyle planning

Is This Right for You?

Seek long-term security
with short-term flexibility

Prefer a tax-efficient
investment vehicle

Who Qualifies and What You Gain

Your gateway to smart, flexible, and rewarding fixed income investing

Start with BDT 75,000 and top up in similar multiples

Earn 8.4% – 11.88% annually (Net of AIT)

Flexible tenure with no lock-in period

Withdraw anytime at current market value

Individuals seeking capital protection and steady income

Tax-conscious investors under the Bangladesh Income Tax Act 2023

Those preferring non-equity, professionally managed investment options

Unlock the benefits of a secure and professionally managed investment opportunity

Lets start investing

Open a Treasury Bill account with us digitally at no cost and start investing with a minimum of just BDT 75,000!

Frequently Asked Questions-CALSL

+ What is the Digital Booth?
Digital Booth is an online platform introduced by the Dhaka Stock Exchange (DSE) and Chittagong Stock Exchange (CSE) to facilitate electronic trading, BO account management, and other investor services. CAL Securities Limited offers these same services through our Digital Booths, which function like sub-branches and are controlled by our head office at Navana FS Cosmo Tower, Gulshan-2, Dhaka.
+ How does the Digital Booth work?
a) Investors can trade shares, apply for IPOs, and manage BO accounts digitally.
b) Transactions are processed electronically through CDBL (Central Depository Bangladesh Limited).
c) Brokers and investors access it via DSE/CSE portals, mobile apps, or brokerage platforms.
+ What is a BO account?
A BO (Beneficiary Owner) Account is a digital account used in the Bangladesh stock market to buy or sell securities electronically. It replaces the old physical share certificates with a paperless system under CDBL through a Depository Participant (DP), i.e., a brokerage house.
+ How can I open a BO Account?
You can open a BO account at our digital booths. Bring your and your nominee’s NID, 2 passport size photos of both, E-TIN (if available), and a bank cheque. Our relationship manager will assist you. Alternatively, use CDBL’s e-service portal: https://www.cdbl.com.bd/bo/. Contact your relationship manager before starting.
+ How can I deposit funds to my BO account?
You can deposit into your portfolio account maintained with CAL Securities Limited via BEFTN/RTGS/NPSB without visiting the bank physically. Alternatively, deposit into our specific bank accounts and send the deposit slip to your relationship manager via email or WhatsApp.
+ How can I withdraw funds from my BO account?
You can withdraw funds through BEFTN/RTGS/NPSB (no cheque needed). The amount will be credited directly to your bank account. Just send an instruction email mentioning your client code and withdrawal amount to your relationship manager.