About this product
Overview
The National Savings Directorate scheme list updated on 9 August 2026 does not name a separate five-year profit-bearing certificate. This catalogue row stays an outline until that list states a rate for it.
Published terms
Product specifications
- Government scheme
- 5 Year Profit Bearing
- Current return rate
- 11.28% p.a.
- Tenure
- 60 months (5 years)
- Minimum investment
- ৳100,000
- Maximum investment limit
- ৳3,000,000
- Purchase channels
- Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices
Comparable products
Other published Sanchayapatra in the catalogue — compare terms, then confirm with each bank.
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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
Published ledger
Current rates & charges
Rate stability verified:
Unchanged since January 1, 2026 across append-only ledger audits.
| Tenure / specification | Rate type | Current rate | Effective date |
|---|---|---|---|
| Maturity / Coupon Return Rate | Return Rate |
Current
11.28%
|
January 1, 2026 |
Interactive decision tool
National Savings profit estimator
Published maturity rate
11.28% p.a.
৳1,000,000
৳1 Lakh
৳50 Lakh
Published maturity slabs ? সহজ ভাষায়: এখানে শুধু এই পাতায় প্রকাশিত মেয়াদান্তের হার ব্যবহার করা হয়।
- Published maturity rate: 11.28%
Net monthly profit
৳0 / mo
After statutory 10% tax deduction
Gross annual profit
৳0
Statutory tax withholding (10%)
৳0
*Uses the published maturity rate on this page. Source tax is an estimate. Confirm the payout with National Savings.
Catalogue facts
Eligibility & required documents
Eligibility
- Adult Bangladeshi citizens (scheme-specific rules apply)
- Joint purchase where allowed
Documents
- NID
- Photos
- Nominee NID
- e-TIN
- Bank cheque leaf for profit transfer
Provenance
Source & verification
Catalogue outline. Confirm the rate, fee, and eligibility with the institution before comparing or applying.