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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.

Locator: 35 locations across 5 cities in 5 of 64 districts — expanding, not a complete census.

Comparing National Savings · Paribar Sanchayapatra (Family Savings) National Savings · 5-Year Bangladesh Sanchayapatra
Decision Tool Simulate government savings certificate returns: Open Sanchayapatra calculator › Sanchayapatra rankings ›

Data as of January 1, 2026 (oldest last-verified date among compared products). Always confirm current rates with the institution.

Feature / Attribute
× National Savings

Paribar Sanchayapatra (Family Savings)
× National Savings

5-Year Bangladesh Sanchayapatra
Current rate / fee
Monthly Profit Return Rate11.52%
Maturity (5 Years) Return Rate11.28%
After 4th Year Encashment10.75%
After 3rd Year Encashment10.25%
National Savings Scheme Family Sanchayapatra 5 Year Bd Sanchayapatra
Tenure 60 Months 60 Months
Minimum Investment ৳10,000 ৳10,000
Maximum Investment Limit ৳4,500,000 ৳5,000,000
Profit Payout Frequency Monthly Maturity
Premature Closure Rate 1st Year: 9.50%, 2nd Year: 10.00%, 3rd Year: 10.50%, 4th Year: 11.00%, 5th Year (Maturity): 11.52%. 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.
Purchase Channels Bangladesh Bank, National Savings Bureaus, All Commercial Banks, Post Offices Bangladesh Bank offices, National Savings Bureaus, Scheduled Commercial Banks, and District Post Offices.
Tax (AIT) at Source 5% AIT up to 5 Lakh BDT; 10% AIT above 5 Lakh BDT. Source tax (AIT) 5% deducted on profit up to BDT 500,000 investment; 10% deducted for investments exceeding BDT 500,000.
Official action 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.