Remittance inflows reached a record level last quarter, according to central bank figures released this week. Officials credit a combination of formal banking incentives and a stronger taka-denominated return for senders.

For families across the country, the money means school fees paid on time, homes repaired and small businesses started. In rural areas, remittance remains the single largest source of household investment.

Economists caution that the trend must be supported by stable exchange policy and easier digital channels. Several banks have already announced zero-fee transfers for expatriate customers, and mobile financial services report a sharp rise in cross-border transactions.