Savings certificate profit rates
These are the rates for July–December 2025, from the newest official notice we could verify (issued 30 Jun 2025). Rates are reset every six months and may have changed since; check the current rate with the National Savings Directorate or your bank before investing.
5-year Bangladesh Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.74% | 9.72% |
| After year 2 | 10.21% | 10.19% |
| After year 3 | 10.72% | 10.70% |
| After year 4 | 11.26% | 11.23% |
| After year 5 | 11.83% | 11.80% |
3-monthly profit-bearing Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 10.65% | 10.60% |
| After year 2 | 11.22% | 11.16% |
| After year 3 | 11.82% | 11.77% |
Pensioner Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.84% | 9.72% |
| After year 2 | 10.32% | 10.19% |
| After year 3 | 10.84% | 10.70% |
| After year 4 | 11.39% | 11.23% |
| After year 5 | 11.98% | 11.80% |
Paribar (family) Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.81% | 9.72% |
| After year 2 | 10.29% | 10.19% |
| After year 3 | 10.80% | 10.70% |
| After year 4 | 11.35% | 11.23% |
| After year 5 | 11.93% | 11.80% |
Post office savings bank (term deposit)
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 10.65% | 10.60% |
| After year 2 | 11.22% | 11.16% |
| After year 3 | 11.82% | 11.77% |
Source: Internal Resources Division notice (National Savings Directorate website) , effective 1 Jul 2025.
Frequently asked questions
What are savings certificate rates now?
The government notice for July–December 2025 sets the highest savings certificate rate at 11.98%. Rates may have changed since; this page will update when a new notice is published.
What does the 5-year Bangladesh Sanchayapatra pay?
The notice gives a rate for each year: for investments up to Tk 7.5 lakh, from 9.74% in the first year to 11.83% in the fifth.
What does the family savings certificate pay?
For investments up to Tk 7.5 lakh, the family savings certificate pays from 9.81% in the first year to 11.93% in the fifth.
What is the rate above Tk 7.5 lakh?
The notice has two tiers: up to Tk 7.5 lakh and above it. The higher tier pays slightly less; the 5-year Bangladesh Sanchayapatra, for example, pays 11.80% in the fifth year.
Is tax deducted from the profit?
Yes, source tax is deducted from the profit, at a rate that depends on the amount invested and income tax rules. The Sanchayapatra calculator shows the profit after the rate that applies to you.