Savings certificate rates are unchanged for July–December 2026: 11.77% to 11.98% at maturity. For example, ৳5 lakh in Paribar Sanchayapatra pays about ৳4,722 a month after 5% source tax.
Certificate type
Who can buy: women 18+, any person with disability, men and women 65+
৳
= 5 lakh taka
More details (optional)
৳
If this is above ৳5 lakh, source tax is 10%. Leave empty to use the amount above.
You receive every month
৳4,722
in 60 monthly payments
Profit rate (at maturity)
11.93%
Profit per payment (before tax)
৳4,971
Source tax (5%)
− ৳249
Total profit over the term (after tax)
৳2,83,338
Total at maturity (principal + profit)
৳7,83,338
Average per month
৳4,722
Putting ৳5,00,000 in Paribar (Family) Sanchayapatra (5 years, monthly profit) gives you ৳4,722 every month.
Rates updated: rates for July–December 2026 (checked 03/10/2026). The rate on your purchase date stays fixed for the whole term.
Some investment-limit details are still being verified — confirm with the Department of National Savings or your bank before buying.
How this was calculated
Rate for investments up to ৳7.5 lakh: 11.93%
Profit per year = ৳5,00,000 × 11.93% = ৳59,650
Total profit over 5 years = ৳2,98,250
Split into 60 payments = ৳4,971 each
Source tax 5% (total investment up to ৳5 lakh) = ৳249
You receive ৳4,722 after tax
If you encash early
Encashed after
Rate
Total profit (before tax)
After tax
1 year
9.81%
৳49,050
৳46,598
2 years
10.29%
৳1,02,900
৳97,755
3 years
10.8%
৳1,62,000
৳1,53,900
4 years
11.35%
৳2,27,000
৳2,15,650
5 years (maturity)
11.93%
৳2,98,250
৳2,83,338
Encashing within the first year usually earns no profit. If monthly or quarterly profit was already paid, the excess is deducted from the principal on encashment.
Total at maturity ৳1,56,193 (৳1 lakh principal + ৳56,193 profit)
What to know in Bangladesh
Slab rates: investments up to ৳7.5 lakh get a slightly higher rate.
Rates are reviewed every 6 months, usually in January and July. This page always shows the last verified rates and their date.
TIN and return proof: larger purchases need a TIN or proof of return submission (PSR). Ask your bank or savings office for the document list.
Tax rebate: Sanchayapatra purchases count as eligible investment for the income tax rebate; you can add them in the income tax calculator.
More: which certificate suits whom
For a regular monthly income, Paribar is the most convenient, but only women, persons with disability and people aged 65+ can buy it.
For retirement money, Pensioner certificates have the highest rate, and only they are free of source tax up to ৳5 lakh.
For a shorter term, the 3-monthly profit-bearing certificate runs for only 3 years.
To let profit build up, the 5-year Bangladesh Sanchayapatra pays everything at maturity. Profit does not compound, though, so taking monthly profit and saving it elsewhere can earn the same or a little more.
If you may need the money early, check the encashment table. Rates in the first years are much lower, and encashing within a year usually earns nothing. Keep emergency money separate.
Frequently asked questions
What are the Sanchayapatra profit rates in 2026?
The previous rates continue for July–December 2026. For investments up to ৳7.5 lakh the maturity rates are: Paribar 11.93%, Pensioner 11.98%, 5-year Bangladesh Sanchayapatra 11.83%, 3-monthly profit-bearing 11.82%. Above ৳7.5 lakh the rates are slightly lower (11.77%–11.80%). A rate cut announced for January 2026 was withdrawn within days.
How much monthly profit does ৳10 lakh in Paribar Sanchayapatra give?
৳10 lakh is above the ৳7.5 lakh slab, so the rate is 11.80%: ৳1,18,000 a year or ৳9,833 a month. As the total is above ৳5 lakh, 10% source tax applies, leaving ৳8,850 a month.
What is the source tax on Sanchayapatra profit?
5% if your total investment in all savings certificates is up to ৳5 lakh, 10% above that. Pensioner certificates alone, up to ৳5 lakh in total, have no source tax.
What do I get if I encash early?
Profit is recalculated at the rate for the year you encash, which is lower than the maturity rate. Encashing within the first year usually earns no profit. If monthly or quarterly profit was already paid, the excess is deducted from the principal. The table under the calculator shows each year.
What is the maximum I can invest?
5-year Bangladesh Sanchayapatra: ৳30 lakh single, ৳60 lakh joint. Paribar: ৳45 lakh. Pensioner: ৳50 lakh. Across all schemes the single-name cap is ৳50 lakh. Confirm the current limits with the Department of National Savings or your bank before buying.
Who can buy Paribar and Pensioner Sanchayapatra?
Paribar: women aged 18+, persons with physical disability of any age, and men and women aged 65+. Pensioner: retired government and semi-government employees and family pensioners, from gratuity and provident fund money.