AllOfBD Finance
Compare financial products in Bangladesh
Transparent, side-by-side comparison based on verified official rates, schedules of charges, and eligibility rules. Organic comparison is never influenced by sponsorship.
Discovery only — curated rates and indicative FX. Confirm with the institution.
Data as of January 1, 2026 (oldest last-verified date among compared products). Always confirm current rates with the institution.
| Feature / Attribute | |||
|---|---|---|---|
| Current rate / fee |
Maturity (5 Years) Return Rate11.28% After 4th Year Encashment10.75% After 3rd Year Encashment10.25% |
Maturity Return Rate11.04% |
Monthly Profit Return Rate11.52% |
| National Savings Scheme | 5 Year Bd Sanchayapatra | 3 Month Profit Sanchayapatra | Family Sanchayapatra |
| Tenure | 60 Months | 36 Months | 60 Months |
| Minimum Investment | ৳10,000 | ৳100,000 | ৳10,000 |
| Maximum Investment Limit | ৳5,000,000 | ৳3,000,000 | ৳4,500,000 |
| Profit Payout Frequency | Maturity | Quarterly | Monthly |
| Premature Closure Rate | 1st Year complete: 9.35%, 2nd Year: 9.80%, 3rd Year: 10.25%, 4th Year: 10.75%, 5th Year (Maturity): 11.28%. Encashment before 1 year yields no profit. | 1st Year: 10.00%, 2nd Year: 10.50%, 3rd Year (Maturity): 11.04%. Excess quarterly profit paid will be adjusted on encashment. | 1st Year: 9.50%, 2nd Year: 10.00%, 3rd Year: 10.50%, 4th Year: 11.00%, 5th Year (Maturity): 11.52%. |
| Purchase Channels | Bangladesh Bank offices, National Savings Bureaus, Scheduled Commercial Banks, and District Post Offices. | Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices | Bangladesh Bank, National Savings Bureaus, All Commercial Banks, Post Offices |
| Tax (AIT) at Source | Source tax (AIT) 5% deducted on profit up to BDT 500,000 investment; 10% deducted for investments exceeding BDT 500,000. | 5% AIT for investments up to 5 Lakh BDT; 10% AIT for investments over 5 Lakh BDT. | 5% AIT up to 5 Lakh BDT; 10% AIT above 5 Lakh BDT. |
| Official action | Official website ↗ Full specifications › | Official website ↗ Full specifications › | Official website ↗ Full specifications › |
Estimates only
How rankings work
AllOfBD publishes estimates from catalogue data so you can compare products transparently. This is not credit scoring, not a bank decision, and not financial advice.
- Loans: estimated EMI (reducing balance) + parsed processing fee + optional insurance → estimated true cost. Lower estimated cost ranks higher.
- Cards: estimated net annual cost = annual fee − illustrative lounge/perk offset (0.5% of assumed annual spend, capped at fee). Lower net cost ranks higher. Cashback rates are never invented.
- DPS / FDR / Sanchayapatra: higher published current rate ranks higher.
- Soft eligibility: amount/tenure/income bounds from the catalogue. Soft fails are demoted, not hidden as “rejected”.
- Missing rates exclude a product from ranking rather than inventing numbers.
- Watchlist emails notify when a published (non-pending) rate changes — informational only.
Disclaimer
AllOfBD is an information, comparison and discovery platform. Financial products are offered by their respective institutions. Product terms, eligibility, rates, approval and final decisions are determined by the relevant institution or government authority. Users should verify current information through the official source before making financial decisions.