About this product
Overview
Five-year Bangladesh Sanchayapatra, introduced in 1977. The National Savings Directorate page, updated 14 April 2026, states denominations of Tk 10, 50, 100, 500, 1,000, 5,000, 10,000, 25,000, 50,000, 1,00,000, 5,00,000, 10,00,000, and 25,00,000. Purchase ceilings on that page are Tk 30 lakh in a single name or Tk 60 lakh jointly for an individual; 50% of a provident-fund balance, up to Tk 50 crore, for an institution; Tk 2 crore for a firm; and Tk 5 crore for a registered autistic-support institution, a registered shelter for destitute or orphan children, or a registered shelter for older people. Maturity profit is 11.83% up to Tk 7.5 lakh and 11.80% above that. Encashment before maturity uses the lower year-by-year rates on that page.
Published terms
Product specifications
- Government scheme
- 5 Year Bd Sanchayapatra
- Current return rate
- 11.83% p.a.
- Tenure
- 60 months (5 years)
- Minimum investment
- ৳10
- Purchase channels
- District savings offices, National Savings special bureaus, Bangladesh Bank branches, scheduled banks, and post offices.
Comparable products
Other published Sanchayapatra in the catalogue — compare terms, then confirm with each bank.
Featured
Sanchayapatra
3-Month Profit Basis Sanchayapatra
Profit rate
11.82%
Min. Investment
৳100,000
Tenure
3 yr
Quarterly
Featured
Sanchayapatra
Paribar Sanchayapatra (Family Savings)
Profit rate
11.93%
Min. Investment
৳10,000
Tenure
5 yr
Monthly
Featured
Sanchayapatra
Featured
Sanchayapatra
Published ledger
Current rates & charges
Active rate ledger:
Effective from April 14, 2026 (3 historical revisions tracked).
| Tenure / specification | Rate type | Current rate | Effective date |
|---|---|---|---|
| After year 4, above Tk 7.5 lakh | Return Rate |
Current
11.23%
|
April 14, 2026 |
| After year 4, up to Tk 7.5 lakh | Return Rate |
Current
11.26%
|
April 14, 2026 |
| After year 3, above Tk 7.5 lakh | Return Rate |
Current
10.7%
|
April 14, 2026 |
| After year 3, up to Tk 7.5 lakh | Return Rate |
Current
10.72%
|
April 14, 2026 |
| After year 2, above Tk 7.5 lakh | Return Rate |
Current
10.19%
|
April 14, 2026 |
| After year 2, up to Tk 7.5 lakh | Return Rate |
Current
10.21%
|
April 14, 2026 |
| After year 1, above Tk 7.5 lakh | Return Rate |
Current
9.72%
|
April 14, 2026 |
| After year 1, up to Tk 7.5 lakh | Return Rate |
Current
9.74%
|
April 14, 2026 |
| Above Tk 7.5 lakh at maturity | Return Rate |
Current
11.8%
|
April 14, 2026 |
| Standard rate | Return Rate |
Current
11.83%
|
April 14, 2026 |
Recent Return Rate history (read-only)
- 10.19% Apr 2026
- 10.21% Apr 2026
- 9.72% Apr 2026
- 9.74% Apr 2026
- 11.8% Apr 2026
- 11.83% Apr 2026
| Tenure / label | Historical rate | Effective period | Status |
|---|---|---|---|
| After 3rd Year Encashment | 10.25% | Jan 2026 — Apr 2026 | Expired |
| After 4th Year Encashment | 10.75% | Jan 2026 — Apr 2026 | Expired |
| Maturity (5 Years) Return Rate | 11.28% | Jan 2026 — Apr 2026 | Expired |
Interactive decision tool
National Savings profit estimator
Published maturity rate
11.83% p.a.
৳1,000,000
৳1 Lakh
৳50 Lakh
Published maturity slabs ? সহজ ভাষায়: এখানে শুধু এই পাতায় প্রকাশিত মেয়াদান্তের হার ব্যবহার করা হয়।
- Up to Tk 7.5 lakh: 11.83%
- Above Tk 7.5 lakh: 11.80%
Net monthly profit
৳0 / mo
After statutory 10% tax deduction
Gross annual profit
৳0
Statutory tax withholding (10%)
৳0
*Uses the published maturity rates on this page: one rate up to Tk 7.5 lakh, and the second published rate above that. Source tax is an estimate. Confirm the payout with National Savings.
Catalogue facts
Eligibility & required documents
Eligibility
- All adult Bangladeshi citizens (Male and Female)
- Joint purchase allowed (maximum 2 persons)
- Autonomous bodies, provident funds, and recognized educational/charitable institutions
Documents
- Purchaser National ID Card (NID)
- 2 copies Passport size photographs of purchaser
- Nominee National ID and photograph
- e-TIN Certificate & tax acknowledgement copy (mandatory for investment above BDT 200,000)
- Bank account details (MICR Cheque leaf for automated profit transfer via BEFTN)
Provenance
Source & verification
Catalogue outline. Confirm the rate, fee, and eligibility with the institution before comparing or applying.