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 / Coupon Return Rate11.76% |
Monthly Profit Return Rate11.52% |
Maturity / Coupon Return Rate11.28% |
| National Savings Scheme | Pensioner Sanchayapatra | Family Sanchayapatra | 5 Year Profit Bearing |
| Tenure | 36 Months | 60 Months | 60 Months |
| Minimum Investment | ৳10,000 | ৳10,000 | ৳100,000 |
| Maximum Investment Limit | ৳5,000,000 | ৳4,500,000 | ৳3,000,000 |
| Profit Payout Frequency | Monthly | Monthly | Quarterly |
| Premature Closure Rate | Tiered slab by completed years (Govt rules) | 1st Year: 9.50%, 2nd Year: 10.00%, 3rd Year: 10.50%, 4th Year: 11.00%, 5th Year (Maturity): 11.52%. | Tiered slab by completed years (Govt rules) |
| Purchase Channels | Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices | Bangladesh Bank, National Savings Bureaus, All Commercial Banks, Post Offices | Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices |
| Tax (AIT) at Source | Source tax as per National Savings rules. | 5% AIT up to 5 Lakh BDT; 10% AIT above 5 Lakh BDT. | Source tax as per National Savings rules. |
| 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.