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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 — published catalogue rates and terms from Bangladesh institutions. Confirm with the issuer before deciding.

Methodology › Routing directory › Branches & ATMs ›
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Comparing National Savings · Post Office Savings Bank Term… National Savings · Paribar Sanchayapatra (Family Savings)
Decision tool Simulate government savings certificate returns: Open Sanchayapatra calculator › Sanchayapatra rankings ›
Comparing 2 products side-by-side Data verified: April 14, 2026

Comparison table

Feature / attribute
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National Savings

Post Office Savings Bank Term Account
×
National Savings

Paribar Sanchayapatra (Family Savings)
Current rate / fee
Rate11.82%
Above Tk 7.5 lakh at maturity11.77%
After year 1, up to Tk 7.5 lakh10.65%
After year 1, above Tk 7.5 lakh10.6%
After year 2, up to Tk 7.5 lakh11.22%
After year 2, above Tk 7.5 lakh11.16%
Rate11.93%
Above Tk 7.5 lakh at maturity11.8%
After year 1, up to Tk 7.5 lakh9.81%
After year 1, above Tk 7.5 lakh9.72%
After year 2, up to Tk 7.5 lakh10.29%
After year 2, above Tk 7.5 lakh10.19%
After year 3, up to Tk 7.5 lakh10.8%
After year 3, above Tk 7.5 lakh10.7%
After year 4, up to Tk 7.5 lakh11.35%
After year 4, above Tk 7.5 lakh11.23%
National Savings scheme Post Office Term Account Family Sanchayapatra
Tenure 36 Months 60 Months
Minimum investment — ৳10,000
Maximum investment limit — ৳4,500,000
Profit payout frequency Maturity Monthly
Premature closure rate Early encashment uses the lower rates on the National Savings Directorate page linked as the source. Early encashment uses the lower rates on the National Savings Directorate page linked as the source.
Purchase channels Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices District savings offices, National Savings special bureaus, Bangladesh Bank branches, commercial banks, and 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.
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.