Bangladesh Sanchayapatra Profit Calculator
Calculate your exact net monthly and quarterly profits for Poribar, 3-Month, Pensioner, and 5-Year Bangladesh Sanchayapatra according to official tiered interest rates and NBR source tax regulations.
Active Scheme Interest Slabs
Early Encashment / Premature Exit Rules
If encashed before completion of the full tenure, interest is recalculated at penal rates:
Directorate of National Savings Regulatory Architecture
National Savings Certificates (জাতীয় সঞ্চয়পত্র) are sovereign debt instruments issued by the Ministry of Finance through the Internal Resources Division (IRD). They offer guaranteed capital protection backed by the Government of the People's Republic of Bangladesh.
Automated Management System
All purchases are recorded online through the centralized NSD portal. The system automatically cross-references an investor's National ID (NID) and e-TIN across all Bangladesh Bank counters, commercial banks, and post offices to strictly enforce statutory aggregate purchase limits.
Source Tax & Tax Day Compliance
Profits are subjected to 5% or 10% tax deduction at source (TDS). Under Section 264 of the Income Tax Act 2023, submitting proof of income tax return submission (PSR) is mandatory when purchasing savings certificates exceeding ৳5,00,000.
BEFTN Direct Bank Deposit
Physical profit coupons have been completely phased out. Profit installments are deposited on the designated monthly or quarterly cycle date directly into the investor's commercial bank savings or current account via BEFTN electronic clearing.
Frequently Asked Questions: Sanchayapatra in Bangladesh
How much monthly profit does Poribar Sanchayapatra pay per ৳1 Lakh in Bangladesh?
For investments up to ৳15 Lakh, Poribar Sanchayapatra earns a gross monthly profit of ৳960 per ৳1,00,000 (11.52% annual rate). After the mandatory 5% source tax deduction (for cumulative holdings up to ৳5 Lakh), net monthly profit is ৳912. For investments exceeding ৳5 Lakh where a 10% source tax applies, net monthly profit is ৳864 per ৳1 Lakh.
What is the tiered interest rate system in Bangladesh Sanchayapatra?
Under the Directorate of National Savings slab system, interest rates decrease as investment volume rises: Tier 1 (up to ৳15 Lakh) offers the maximum rate (e.g., 11.52% for Poribar, 11.04% for 3-Month); Tier 2 (৳15,00,001 to ৳30 Lakh) reduces the rate by ~1%; and Tier 3 (above ৳30 Lakh) reduces the rate by another ~1%.
What is the source tax (TDS) on Sanchayapatra profits in Bangladesh?
Under the NBR Income Tax Act 2023, if your total cumulative principal investment in all national savings certificates does not exceed ৳5,00,000, source tax is deducted at 5%. If your total investment exceeds ৳5,00,000, source tax is deducted at 10% on all profit disbursements.
Who is eligible to purchase Poribar Sanchayapatra?
Poribar Sanchayapatra is exclusively open to any Bangladeshi female citizen aged 18 years or above, physically challenged male and female citizens of any age, and senior male citizens aged 65 years or older. The single individual purchase limit is ৳45 Lakh.
How are Sanchayapatra profits disbursed in Bangladesh?
All profits and maturity principals are automatically credited directly to the investor's designated bank account via the Bangladesh Electronic Funds Transfer Network (BEFTN) linked to their National ID and e-TIN in the automated National Savings Scheme (NSD) management portal.