Invest in Bangladesh:
Land vs. Stock Market
A complete guide to navigating Bangladesh Bank's GFET Chapter 14. Learn how to legally buy property or trade on the Dhaka Stock Exchange (DSE) without getting your capital trapped.
The "Wrong Account" Trap
Investing in the motherland is a priority for many NRBs. However, a common bureaucratic error often freezes these investments. The banking regulations for Portfolio Investment (Stocks) and Direct Investment (Real Estate) are completely different. Using a NITA account for land, or a Private NRTA for stocks, can lead to rejected payments and the inability to repatriate your money abroad.
Investment Purpose Selector
Select your primary goal to see the compliant banking channel.
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Banking & Legal Protocol.
NITA vs. Private NRTA: The Breakdown
Understanding the "Ring-Fencing" of funds. NITA is for easy exit (repatriation) but restricted use. Private NRTA is for broad use but restricted exit.
Regulatory Flexibility Profile
| Feature | NITA Account | Private NRTA |
|---|---|---|
| Primary Use Case | Portfolio Investment Shares, Bonds, IPOs |
Direct Investment Land, Flat, Building, Expenses |
| Permissible Debits | Restricted. Cannot pay developers directly. |
Flexible. Can pay anyone locally. |
| Repatriation (Exit) | Automatic & Free | Restricted / Approval Required |
| Bangladesh Bank Rule | GFET Ch 14, Sec 4 | GFET Ch 14, Sec 2 |
Investing in the Stock Market
For NRBs wanting to trade on the Dhaka Stock Exchange (DSE) or Chittagong Stock Exchange (CSE), the NITA account is mandatory.
This pathway is designed for liquidity. The government allows you to take your capital and profits out easily to encourage foreign investment. For details on handling foreign deposits, see our guide on Share Money Deposits.
1. Open NITA Account
Open a Non-resident Investor’s Taka Account (NITA) with a custodial bank (e.g., SCB, HSBC, City Bank).
2. Open BO Account
Open a Beneficiary Owner (BO) account with a Brokerage House. Link it to your NITA.
3. Trade & Repatriate
Remit FC to NITA -> NITA buys shares -> Sell shares -> Proceeds go to NITA -> Remit back abroad freely.
Buying Land as an NRB
The strict banking protocol for buying real estate in Bangladesh to ensure your investment remains "White Money" and repatriable. For a deeper legal analysis, read our Property Buy and Sell Legal Guide.
Account Setup
Remittance
Payment
Golden Ticket
Step 1: Open a Private NRTA
Visit a Scheduled Bank (like Islami Bank, Dutch-Bangla, City Bank, or international banks like HSBC/Standard Chartered) and request a Private Non-Resident Taka Account.
SEO Tip: Ensure the account is opened under Chapter 14, Section 2 of GFET. Do NOT open a simple savings account as a resident if you are living abroad.
Related Legal Resources
Frequently Asked Questions
Can NRBs buy land in Bangladesh legally?
What is the difference between NITA and FC Account?
How do I repatriate money after selling land?
Professional Legal Vetting Services
Navigating the GFET regulations and verifying land titles requires expertise. LegalSeba LLP assists NRBs with secure property investments and compliance.
