Private Client Advisory and Personal Planning in Bangladesh

by Barrister Tahmidur Rahman | Sep 8, 2026

Private Client & EmploymentPlanning for families and wealth9 min read

Private Client Advisory and Personal Planning in Bangladesh

Private client advice for families, business owners and non-resident Bangladeshis: wills, heba and gifts, succession under personal law, trusts and waqf, family business arrangements, property held at home and abroad, powers of attorney, guardianship and planning that holds up when it is tested.

Overview

How private client planning works in Bangladesh

Families in Bangladesh often hold their wealth in land, apartments, shares in family companies, bank deposits and, increasingly, assets abroad. How those assets pass on death, how they are shared during life and who controls them when someone falls ill are questions that rarely get the attention they need until a dispute arises. Our private client work helps individuals and families plan these matters clearly and lawfully. It sits within our wider private client and family practice, and draws on our corporate, tax and litigation teams whenever a family's affairs require it, so advice stays joined up.

Succession in Bangladesh is governed largely by personal law. Muslim families are subject to fixed shares of inheritance under Islamic law, and a Muslim may leave by will no more than one third of the estate to non-heirs without the consent of the heirs. Hindu succession follows the Dayabhaga school, while Christians and some others fall under the Succession Act 1925. These rules cannot be overridden by a document. Good private client planning works within them, using lifetime gifts, trusts, company structures and clear records to achieve what the family wants. Informal promises rarely survive challenge by heirs.

Lifetime transfers are a central planning tool. A heba, or gift under Muslim law, can transfer property during the donor's lifetime, but gifts of immovable property must now be registered, and questions of delivery of possession, intention and capacity frequently arise in later disputes. Gifts between close relatives may attract particular costs and tax treatment. We advise on the choice between heba, sale, will, trust or waqf for each asset, on the documents needed and on registration, so that the transfer achieves its purpose and does not invite later challenge. Each option has different cost and tax consequences.

Many private client matters involve more than one country. Non-resident Bangladeshis may own land in Bangladesh while living abroad, and families may hold property, pensions or businesses in several jurisdictions. Each country may apply its own succession, tax and reporting rules, and Bangladesh foreign exchange rules affect how inherited funds can be remitted abroad. We work with counsel in the UK, US, UAE, China, India and Singapore to coordinate wills and structures across borders, and with our corporate and tax lawyers where family companies are involved. Check wills in each country for conflicts.

Private client planning also covers the practical details of family life: powers of attorney for relatives abroad, guardianship of minor children under the Guardians and Wards Act 1890, arrangements for vulnerable family members, family constitutions for business owners and the handling of personal information under the Personal Data Protection Act 2026. Our team includes Barrister Tahmidur Rahman, Barrister Remura Meheruba Mahbub and Adv Syed Wahid, who leads the firm's litigation. We take time to understand each family, explain the options in plain language and keep every instruction confidential, whether the matter is simple or involves substantial wealth.

01 · What we handle

Core workstreams

  • Wills and estate planning
  • Heba, gifts and lifetime transfers
  • Trusts, waqf and family structures
  • Succession and estate administration
02 · How it runs

Four clear stages

  1. 01Understand the family
  2. 02Advise on options
  3. 03Prepare and register
  4. 04Review over time
03 · Start here

Talk to a partner

Consultations in Dhaka or by video. Scope, team and fees are agreed in writing first.

Book →
How we help

What our private client team advises on

Workstream 01Private Client & Employment

Wills and estate planning

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
Workstream 02Private Client & Employment

Heba, gifts and lifetime transfers

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
Workstream 03Private Client & Employment

Trusts, waqf and family structures

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
Workstream 04Private Client & Employment

Succession and estate administration

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
Workstream 05Private Client & Employment

Non-resident and cross-border planning

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
Workstream 06Private Client & Employment

Family business and governance

  • Understand the family
  • Advise on options
  • Prepare and register
  • Review over time
01

Wills and estate planning

We prepare wills that respect the applicable personal law, explain what can and cannot be achieved by will, and coordinate wills with lifetime gifts, nominations and company arrangements. For families with assets abroad we coordinate Bangladeshi and foreign wills so that one does not revoke or contradict the other. We also advise on executors, safe custody and when a will should be reviewed.

02

Heba, gifts and lifetime transfers

We advise on heba and other lifetime transfers of land, apartments, shares and funds, including drafting, registration, mutation of land records and tax points. We review title before a gift is made and set out the evidence of acceptance and possession needed to resist later challenge. Where a family wants to retain income or use of an asset, we explain the available structures and their limits.

03

Trusts, waqf and family structures

We advise on private trusts under the Trusts Act 1882, waqf arrangements for religious and family purposes, and holding companies for family assets. We draft trust deeds, waqf deeds and shareholder arrangements, explain trustee and mutawalli duties and set out how each structure is registered, governed and taxed. Our private client advice always tests whether a structure is practical to run over decades.

04

Succession and estate administration

After a death we guide families through succession certificates, probate and letters of administration, mutation of inherited land, transfer of shares and bank accounts, and distribution under personal law. We prepare the documents required by courts, banks and land offices and help heirs agree the division of property, reducing the risk of a long partition suit or other contested proceedings between relatives. Private client sensitivity matters here.

05

Non-resident and cross-border planning

We help non-resident Bangladeshis and foreign families manage property and investments in Bangladesh from abroad, including powers of attorney, sale or lease of land, rental income and repatriation of proceeds within foreign exchange rules. We coordinate with foreign advisers on tax, reporting and succession, so that private client planning in Bangladesh fits with arrangements in the country where the family lives. Distance need not mean delay.

06

Family business and governance

Many family fortunes are tied to a company. We advise on share transfers between generations, shareholder agreements, family constitutions, board succession and dispute resolution mechanisms. We help founders plan for incapacity and death without disrupting the business, and we coordinate with our corporate team on restructurings, so that the company and the family's private client arrangements work together rather than pulling in different directions.

RecognitionThe Legal 500Asia Pacific ranks Tahmidur Remura Wahid (TRW) Law Firm for dispute resolution in Bangladesh.
Cross-border reach6 jurisdictionsMatters coordinated with counsel in the UK, US, UAE, China, India and Singapore.
Bar and admissionsDhaka and LondonBarristers and advocates in Bangladesh, with a solicitor of England and Wales (non-practising).
HeadquartersDhakaHouse 410, Road 29, Mohakhali DOHS. Consultations in person or by video.
Who leads this work

Partner-led, on every matter.

Private Client & Employment matters at TRW are led by partners, supported by associates, with one responsible lawyer from first advice to final outcome.

Meet the firm →
01

Can I leave my property to anyone I choose under a will in Bangladesh?

It depends on your religion and the personal law that applies. A Muslim may generally bequeath up to one third of the net estate to persons who are not heirs, and bequests beyond that, or to heirs, usually need the consent of the other heirs after death. The rest passes in fixed shares. Hindus and Christians have wider testamentary freedom, subject to their own rules. Because these limits are strict, private client planning often combines a will with lifetime gifts, trusts or company arrangements to achieve the family's goals lawfully, fairly and with less risk of challenge.

02

Is a heba of land valid in Bangladesh if it is not registered?

Under the registration law, gifts of immovable property must now be registered, and an unregistered heba of land is open to serious challenge. A heba also requires a clear declaration of gift by the donor, acceptance by the donee and delivery of possession, actual or constructive. Disputes often turn on whether possession really passed and whether the donor acted freely and with capacity. We draft the heba deed, arrange registration and mutation, and keep evidence of acceptance and possession, which is the most effective way to protect the recipient if other family members later dispute the gift.

03

How do non-resident Bangladeshis manage property in Bangladesh from abroad with private client support?

Most NRBs act through a power of attorney given to a trusted person. A power executed abroad generally needs to be attested at a Bangladesh mission and then authenticated and registered locally under the Power of Attorney Act 2012 before it can be used for land transactions. The scope of the power should be precise and limited to what is needed. We draft powers, monitor how they are used and advise on revocation. For sales, we also advise on taxes, registration costs and the rules for remitting proceeds abroad. Regular attorney reports allow supervision from abroad.

04

What is the difference between probate and a succession certificate?

Probate is a court order confirming that a will is valid and that the named executor may administer the estate. A succession certificate is issued by a civil court to allow heirs to collect debts and securities, such as bank deposits and shares, of a deceased person. A warish or heirship certificate from local government is often requested by banks and land offices but does not decide disputed questions of title. Which document is required depends on the asset and the institution. Our private client team advises on the correct route and prepares the applications. We also obtain certified copies.

05

Can a trust be used for private client planning in Bangladesh?

Yes. Private trusts can be created under the Trusts Act 1882 to hold property for the benefit of family members, for example to provide for children, protect a vulnerable relative or keep a property under unified management. A trust cannot be used to defeat compulsory rights of heirs under personal law where those rules apply, and its tax treatment and registration need careful attention. Trustees must manage the property properly and keep accounts. We draft trust deeds for private client matters, advise trustees and settlors, and assess whether a trust is the right tool for the family.

06

How should a family business be passed to the next generation?

Succession in a family company involves both the shares and control of the business. Shares pass under personal law on death unless transferred during life, which can split ownership among many heirs and paralyse decision-making. Planning tools include lifetime share transfers, holding companies, shareholder agreements with transfer restrictions, family constitutions and clear board succession plans. Each has tax, governance and family consequences. We advise founders and the next generation together where appropriate, so that the plan is understood and accepted rather than imposed and later challenged in court. Each family's private client plan is different.

07

What happens to my estate if I die without a will?

Your estate passes under the personal law that applies to you. For Muslims, the heirs and their fixed shares are determined under Islamic law, and for Hindus and Christians under their own succession rules. Heirs then need succession documents to deal with banks, land offices and companies. Without a will or lifetime planning, assets are often held jointly by many heirs, which makes sale and division difficult. Even where law fixes the shares, private client planning can reduce delay, cost and conflict for the family. Keep a list of assets and documents for heirs. Even a short will helps.

08

Do you keep private client matters and family information confidential?

Yes. Confidentiality is central to private client work. Information you give us is protected by professional duties of confidence, and we handle personal data in line with the Personal Data Protection Act 2026 and our internal procedures. We share information with other advisers, banks or authorities only with your instructions or where the law requires it. For sensitive family matters we can limit who in the firm works on the file and agree how and where we communicate with you, including when you are abroad. Sensitive documents are kept in restricted folders and shared over secure channels.

How a matter runs

From first call to resolution.

  1. 01

    Understand the family

    We meet you to understand your family, assets, personal law, residence and goals, review existing wills, deeds and title documents, and agree the scope and fee for the private client work. Meetings can be held by video.

  2. 02

    Advise on options

    We set out the available options in writing, including wills, heba, trusts, waqf, company arrangements and cross-border coordination, with the advantages, risks, costs and tax points of each, so you can decide calmly and with full information.

  3. 03

    Prepare and register

    We draft the chosen documents in clear language, arrange signing, attestation and registration where required, update land and company records, and coordinate with foreign advisers so that every part of the plan is properly implemented and recorded.

  4. 04

    Review over time

    We keep your plan under review after marriages, births, deaths, moves abroad, business changes and new laws, and support executors, trustees and heirs when the plan is put into effect after a death. Private client plans need regular attention.

“Demonstrates an extraordinary command over both domestic litigation and international arbitration.”

The Legal 500 Asia Pacific, Bangladesh: Dispute resolution, client feedback

FAQ

Questions, answered.

Still unsure? Email info@trw.co with a short outline of the matter.

Who needs private client advice in Bangladesh?
Anyone with property, savings, a business or family responsibilities can benefit, not only the very wealthy. Typical clients include business owners planning succession, non-resident Bangladeshis with land at home, families with children abroad, people with relatives who need long-term care and individuals who want to make gifts during their lifetime. Early advice is usually simpler and less expensive than resolving a dispute after a death, when options are narrower. Our private client team can review your position and tell you whether action is needed now.
Does a will need to be registered in Bangladesh?
Registration of a will is generally optional, but it can make proof easier and reduce the risk of loss or allegations of forgery. A will should be in writing, signed by the testator and properly attested, and the testator must have capacity and act freely. We advise on execution formalities, safe custody, whether to register and how to make a will that is easier to prove in court. We can also review an existing will to check that it still reflects your wishes and family position.
Can a will made abroad be used in Bangladesh?
A foreign will may be recognised, but using it in Bangladesh usually requires probate or letters of administration from a Bangladeshi court, and the personal law limits on succession still apply to many families. Problems arise when a foreign will conflicts with Bangladeshi rules or a local will. We coordinate private client documents across countries so that each will covers the right assets and works with the others. This is a common private client issue for families settled in the UK and North America.
Is there tax on inheritance or gifts for private client families in Bangladesh?
Bangladesh does not currently levy a separate inheritance tax, but transfers of property can involve registration fees, stamp duty and other charges, and income from inherited or gifted assets is taxable in the usual way. Wealth may also affect surcharge and return disclosures. Tax rules change with each Finance Act, so we check the current position for each private client plan before documents are signed. Foreign tax rules may apply as well where family members live abroad.
Can I make a gift to one child and not the others?
Legally, a lifetime gift to one child is often possible, subject to the rules on heba and registration, but it is a frequent cause of family disputes. Courts examine whether the gift was genuine, voluntary and completed by delivery of possession. We advise on fairness, evidence and documentation, and on whether an explanation in writing or a family agreement could reduce the risk of later challenge. Clear records made at the time are the best protection for the recipient.
What is a waqf and when is it used?
A waqf is a permanent dedication of property by a Muslim for religious, charitable or, in some cases, family purposes, administered by a mutawalli. Waqf property generally cannot be sold or inherited in the usual way, and waqf administration is subject to oversight by the Waqf Administrator. It can be suitable for a mosque, madrasa or family charity, but its permanence makes careful drafting essential. We advise on drafting, registration and administration of waqf deeds. Existing waqf disputes are also handled.
Can you help resolve a family dispute over inheritance?
Yes. We aim to settle family disputes through negotiation and mediation where possible, as litigation between relatives is costly and slow. If agreement is not possible, our litigation team handles partition suits, declaration and cancellation suits, probate contests and related proceedings. Our private client lawyers and litigators work together so that strategy reflects both the law and the family relationships at stake. Mediation often preserves relationships that litigation would damage. Early advice narrows the issues.
How do I start private client planning with TRW & Co?
Contact us with a brief summary of your family situation, assets and goals, and let us know if you live outside Bangladesh. We will run a conflict check, arrange a confidential meeting in Dhaka or by video, and propose a scope and fee. You can reach us on +880 1708 000660 or at info@trw.co. We can also meet relatives in Dhaka on your behalf. Initial discussions are confidential and carry no obligation. If relatives live abroad, tell us which time zones suit and we will arrange the meeting.

Plan your family's future with clear advice

Speak with the partners about private client in Bangladesh or across borders.

Book a consultation →
private client: TRW & Co, Dhaka
Call the Dhaka office+880 1708 000660WhatsApp · message usMessage our team
Message TRW on WhatsApp