About this product
Overview
Five-year Wage Earner Development Bond, introduced in 1981. The National Savings Directorate page states a maturity profit of 12.00% simple up to Tk 15 lakh, 11.00% from Tk 15,00,001 to Tk 30 lakh, 10.00% from Tk 30,00,001 to Tk 50 lakh, and 9.00% above Tk 50 lakh. Encashment before maturity uses the same four slabs. After 6 months but before 12 months the rates are 8.70%, 7.98%, 7.25%, and 6.53%. After 12 months but before 18 months they are 9.45%, 8.66%, 7.88%, and 7.09%. After 18 months but before 24 months they are 10.20%, 9.35%, 8.50%, and 7.65%. After 24 months but before 60 months they are 11.20%, 10.27%, 9.33%, and 8.40%. The page also prints an existing-rate column, and each of those figures matches the up-to-Tk-15-lakh rate for that period. Denominations on that page start at Tk 25,000.
Published terms
Product specifications
- Government scheme
- Wage Earner Development Bond
- Current return rate
- 12% p.a.
- Tenure
- 60 months (5 years)
- Minimum investment
- ৳25,000
- Purchase channels
- Bangladesh Bank, National Savings Bureaus, Commercial Banks, Post Offices
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Other published Sanchayapatra in the catalogue — compare terms, then confirm with each bank.
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Profit rate
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Min. Investment
৳100,000
Tenure
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Profit rate
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Min. Investment
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Tenure
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Published ledger
Current rates & charges
Active rate ledger:
Effective from October 3, 2026 (2 historical revisions tracked).
| Tenure / specification | Rate type | Current rate | Effective date |
|---|---|---|---|
| Standard rate | Return Rate |
Current
12%
|
October 3, 2026 |
| After 12 months, before 18 months, Tk 30,00,001 to Tk 50 lakh | Return Rate |
Current
7.88%
|
October 3, 2026 |
| After 12 months, before 18 months, above Tk 50 lakh | Return Rate |
Current
7.09%
|
October 3, 2026 |
| After 18 months, before 24 months, up to Tk 15 lakh | Return Rate |
Current
10.2%
|
October 3, 2026 |
| After 18 months, before 24 months, Tk 15,00,001 to Tk 30 lakh | Return Rate |
Current
9.35%
|
October 3, 2026 |
| After 18 months, before 24 months, Tk 30,00,001 to Tk 50 lakh | Return Rate |
Current
8.5%
|
October 3, 2026 |
| After 18 months, before 24 months, above Tk 50 lakh | Return Rate |
Current
7.65%
|
October 3, 2026 |
| After 24 months, before 60 months, up to Tk 15 lakh | Return Rate |
Current
11.2%
|
October 3, 2026 |
| After 24 months, before 60 months, Tk 15,00,001 to Tk 30 lakh | Return Rate |
Current
10.27%
|
October 3, 2026 |
| After 24 months, before 60 months, Tk 30,00,001 to Tk 50 lakh | Return Rate |
Current
9.33%
|
October 3, 2026 |
| After 12 months, before 18 months, Tk 15,00,001 to Tk 30 lakh | Return Rate |
Current
8.66%
|
October 3, 2026 |
| After 12 months, before 18 months, up to Tk 15 lakh | Return Rate |
Current
9.45%
|
October 3, 2026 |
| Tk 15,00,001 to Tk 30 lakh at maturity | Return Rate |
Current
11%
|
October 3, 2026 |
| Tk 30,00,001 to Tk 50 lakh at maturity | Return Rate |
Current
10%
|
October 3, 2026 |
| Above Tk 50 lakh at maturity | Return Rate |
Current
9%
|
October 3, 2026 |
| After 6 months, before 12 months, up to Tk 15 lakh | Return Rate |
Current
8.7%
|
October 3, 2026 |
| After 6 months, before 12 months, Tk 15,00,001 to Tk 30 lakh | Return Rate |
Current
7.98%
|
October 3, 2026 |
| After 6 months, before 12 months, Tk 30,00,001 to Tk 50 lakh | Return Rate |
Current
7.25%
|
October 3, 2026 |
| After 6 months, before 12 months, above Tk 50 lakh | Return Rate |
Current
6.53%
|
October 3, 2026 |
| After 24 months, before 60 months, above Tk 50 lakh | Return Rate |
Current
8.4%
|
October 3, 2026 |
Recent Return Rate history (read-only)
- 8.7% Oct 2026
- 7.98% Oct 2026
- 7.25% Oct 2026
- 6.53% Oct 2026
- 9.45% Oct 2026
- 8.4% Oct 2026
| Tenure / label | Historical rate | Effective period | Status |
|---|---|---|---|
| Tk 15,00,001 to Tk 30 lakh at maturity | 11% | Oct 2026 — Oct 2026 | Expired |
| After 12 months, before 18 months, up to Tk 15 lakh | 9.45% | Oct 2026 — Oct 2026 | Expired |
Interactive decision tool
National Savings profit estimator
Published maturity rate
12.00% 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 15 lakh: 12.00%
- Tk 15 lakh to Tk 30 lakh: 11.00%
- Tk 30 lakh to Tk 50 lakh: 10.00%
- Above Tk 50 lakh: 9.00%
Net monthly profit
৳0 / mo
After statutory 10% tax deduction
Gross annual profit
৳0
Statutory tax withholding (10%)
৳0
*Uses the four maturity rates published for this bond. Source tax is an estimate. Confirm the payout with National Savings.
Provenance