About this product
Overview
Pensioner Sanchayapatra, five-year term. The National Savings Directorate page states denominations of Tk 50,000, 1,00,000, 2,00,000, 5,00,000, and 10,00,000. It may be bought by a retired officer or employee of a government, semi-government, autonomous, or semi-autonomous institution; a retired justice of the Supreme Court; a retired member of the armed forces; or a husband, wife, or child who receives the family pension of a deceased employee. The ceiling is Tk 50 lakh in a single name, combining gratuity received and the final provident-fund balance. Fifth-year profit is 11.98% 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
- Pensioner Sanchayapatra
- Current return rate
- 11.98% p.a.
- Tenure
- 60 months (5 years)
- Minimum investment
- ৳50,000
- Maximum investment limit
- ৳5,000,000
- Purchase channels
- District savings offices, National Savings special bureaus, Bangladesh Bank branches, commercial banks, and post offices.
Comparable products
Other published Sanchayapatra in the catalogue — compare terms, then confirm with each bank.
Featured
Sanchayapatra
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
Published ledger
Current rates & charges
Active rate ledger:
Effective from October 3, 2026 (1 historical revisions tracked).
| Tenure / specification | Rate type | Current rate | Effective date |
|---|---|---|---|
| After year 4, above Tk 7.5 lakh | Return Rate |
Current
11.23%
|
October 3, 2026 |
| After year 4, up to Tk 7.5 lakh | Return Rate |
Current
11.39%
|
October 3, 2026 |
| After year 3, above Tk 7.5 lakh | Return Rate |
Current
10.7%
|
October 3, 2026 |
| After year 3, up to Tk 7.5 lakh | Return Rate |
Current
10.84%
|
October 3, 2026 |
| After year 2, above Tk 7.5 lakh | Return Rate |
Current
10.19%
|
October 3, 2026 |
| After year 2, up to Tk 7.5 lakh | Return Rate |
Current
10.32%
|
October 3, 2026 |
| After year 1, above Tk 7.5 lakh | Return Rate |
Current
9.72%
|
October 3, 2026 |
| After year 1, up to Tk 7.5 lakh | Return Rate |
Current
9.84%
|
October 3, 2026 |
| Above Tk 7.5 lakh at maturity | Return Rate |
Current
11.8%
|
October 3, 2026 |
| Standard rate | Return Rate |
Current
11.98%
|
October 3, 2026 |
Recent Return Rate history (read-only)
- 10.19% Oct 2026
- 10.32% Oct 2026
- 9.72% Oct 2026
- 9.84% Oct 2026
- 11.8% Oct 2026
- 11.98% Oct 2026
| Tenure / label | Historical rate | Effective period | Status |
|---|---|---|---|
| Maturity / Coupon Return Rate | 11.76% | Jan 2026 — Oct 2026 | Expired |
Interactive decision tool
National Savings profit estimator
Published maturity rate
11.98% 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: 11.98%
- 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
- Retired officers and employees of government, semi-government, autonomous, and semi-autonomous institutions; retired justices of the Supreme Court; retired members of the armed forces; and a husband, wife, or child receiving the family pension of a deceased employee.
Documents
- NID
- Photos
- Nominee NID
- e-TIN
- Bank cheque leaf for profit transfer
Provenance