Dhaka, March 14 -- Fixed deposits with banks have been on the wane for reasons like optional switch to better instruments and FDR liquidation to defray election spending or for perceived vote-related uncertainty, sources say.

Although total deposit in the banking system grew 3.42 per cent in the fourth quarter of the last calendar year of 2025, the growth in fixed deposits, which constituted almost half the entire deposits, dropped significantly.

Bankers and money-market analysts say the deposit pattern in banks changes in recent times with fixed depositors having shifted towards MIS (monthly income scheme), DPS (Deposit Pension Schemes), millennium scheme and double-benefit scheme to gain more.

As a matter of the fact, they have said,...