Savings certificate profit rates
These are the rates for July–December 2025, from the newest official notice we could verify (issued 30 Jun 2025). Rates are reset every six months and may have changed since; check the current rate with the National Savings Directorate or your bank before investing.
5-year Bangladesh Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.74% | 9.72% |
| After year 2 | 10.21% | 10.19% |
| After year 3 | 10.72% | 10.70% |
| After year 4 | 11.26% | 11.23% |
| After year 5 | 11.83% | 11.80% |
3-monthly profit-bearing Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 10.65% | 10.60% |
| After year 2 | 11.22% | 11.16% |
| After year 3 | 11.82% | 11.77% |
Pensioner Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.84% | 9.72% |
| After year 2 | 10.32% | 10.19% |
| After year 3 | 10.84% | 10.70% |
| After year 4 | 11.39% | 11.23% |
| After year 5 | 11.98% | 11.80% |
Paribar (family) Sanchayapatra
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 9.81% | 9.72% |
| After year 2 | 10.29% | 10.19% |
| After year 3 | 10.80% | 10.70% |
| After year 4 | 11.35% | 11.23% |
| After year 5 | 11.93% | 11.80% |
Post office savings bank (term deposit)
| Held for | Up to Tk 7.5 lakh | Above Tk 7.5 lakh |
|---|---|---|
| After year 1 | 10.65% | 10.60% |
| After year 2 | 11.22% | 11.16% |
| After year 3 | 11.82% | 11.77% |
Source: Internal Resources Division notice (National Savings Directorate website) , effective 1 Jul 2025.