# BD Invest Tracker

> Free, live Bangladesh investment data dashboard for NRB (Non-Resident Bangladeshi) expats.
> URL: https://arizawan.github.io/bd-invest-tracker/
> Updated: Daily (Mon-Sat at 3:30 PM BST / 09:30 UTC)
> Cost: 100% free, no signup, no API keys

## What This Site Provides

Real-time and daily financial market data for Bangladesh, sourced from DSE, Bangladesh Bank, IRD, and major commercial banks.

## Data Endpoints (JSON)

All endpoints return valid JSON. No authentication required.

### 1. DSE Stock Data
- **URL**: `https://arizawan.github.io/bd-invest-tracker/data/dse.json`
- **Contents**: 276 DSE-listed stock prices (code, LTP, change, change%, direction), DSEX/DS30/DSES index values, market summary (trades, volume, value, advanced/declined/unchanged), top gainers, top losers
- **Schema**:
  ```json
  {
    "fetchedAt": "ISO timestamp",
    "indices": { "DSEX": number, "DS30": number, "DSES": number },
    "summary": { "totalTrade": number, "totalVolume": number, "totalValueMn": number, "advanced": number, "declined": number, "unchanged": number },
    "topStocks": [{ "code": "string", "ltp": number, "change": number, "changePct": number, "direction": "up|down|neutral" }],
    "topGainers": [...],
    "topLosers": [...]
  }
  ```

### 2. Exchange Rates
- **URL**: `https://arizawan.github.io/bd-invest-tracker/data/bb-rates.json`
- **Contents**: USD/BDT reference rate (AM+PM), 30-day rate history, 19-currency cross rates: 11 BB-published (EUR, GBP, AUD, JPY, CAD, SEK, SGD, CNH, INR, LKR + USD) + 6 pegged Gulf currencies (SAR, AED, QAR, OMR, BHD, KWD) + 2 floating SE Asian (THB, MYR), call money rate
- **Schema**:
  ```json
  {
    "fetchedAt": "ISO timestamp",
    "exchangeRate": { "USD_BDT": { "date": "string", "am": number, "pm": number, "history": [{ "date": "string", "am": number, "pm": number }] } },
    "crossRates": { "CCY": { "bid": number, "ask": number } },
    "moneyMarket": { "callMoneyRate": "string" }
  }
  ```

### 3. Sanchayapatra (Savings Certificate) Rates
- **URL**: `https://arizawan.github.io/bd-invest-tracker/data/savings-rates.json`
- **Contents**: 8 government savings schemes with tiered rates (5-year Sanchayapatra, 3-month/5-year Pension Sanchayapatra, Poriborton Chiti, Family Savings, Wage Earner Bond, USD Premium Bond, USD Investment Bond, QIC). Rates effective Jan 1, 2026. Next review Jul 2026.
- **Schema**:
  ```json
  {
    "effectiveDate": "string", "nextReview": "string", "source": "string",
    "schemes": { "scheme_key": { "name": "string", "tenure": "string", "payout": "string", "eligibility": "string", "tiers": [{ "label": "string", "flatRate|yearlyRates|maturityRate": number }] } }
  }
  ```

### 4. Bank FDR & DPS Rates
- **URL**: `https://arizawan.github.io/bd-invest-tracker/data/bank-rates.json`
- **Contents**: Fixed deposit rates for 10 major banks (BRAC, DBBL, EBL, City Bank, Standard Chartered, Sonali, Janata, Agrani, MTB, Pubali) across 5 tenures (3M-36M), DPS rates, NRB special rates
- **Schema**:
  ```json
  {
    "lastVerified": "string",
    "banks": { "Bank Name": { "type": "string", "fdr": { "tenure": { "regular": number, "senior": number } }, "dps": { "annualReturn": number, "minMonthly": number, "maxMonthly": number, "tenure": "string" }, "nrb": { "specialFDR": bool, "nrbFdrRate": number } } }
  }
  ```

### 5. Last Updated Timestamp
- **URL**: `https://arizawan.github.io/bd-invest-tracker/data/last-updated.json`
- **Schema**: `{ "lastFetch": "ISO timestamp", "fetchDate": "YYYY-MM-DD", "fetchTime": "HH:MM:SS" }`

## Key Data Points (as of 2026-05-21)

| Metric | Value |
|--------|-------|
| USD/BDT Reference | ~122.82 |
| DSEX Index | ~5,264 |
| Call Money Rate | 5% |
| Best NRB Rate | 12.00% (Wage Earner Development Bond) |
| Best BDT Savings | 10.54% (Family Savings Certificate) |
| Best USD Rate | 7.50% (USD Premium Bond) |
| BDT Annual Depreciation | ~7-8% vs USD |
| Stocks Tracked | 276 on DSE |

## How to Use This Data

1. **Fetch any JSON endpoint** — no auth, no CORS issues (static files on GitHub Pages)
2. **Cache locally** — data updates once daily, cache for 24 hours
3. **Cross-reference** — exchange rates from Bangladesh Bank are official interbank rates; bank FDR rates are indicative
4. **NRB investors** — look for `nrb` fields in bank-rates.json and NRB-eligible schemes in savings-rates.json

## Source Code

Open source: https://github.com/arizawan/bd-invest-tracker

## Author

Built by Ahmed "Riz" Ratul (https://arizawan.com) via Thea Tech Solutions (https://theatechsolutions.com). A Bangkok-based NRB expat building AI-powered products.