Key features of existing National Savings Schemes (W.E.

F May 23, 2015)

Sl. Name of Maturity Limit Interest rate Tax Investors Penalty Implementing Comments
No Schemes Treatment agency
1 2 3 4 5 6 7 8 9 10
1. 5 years 5-Year Individual: 11.28% on Maturity 5% All classes Encashment Bank, Bureau Available for re-
Bangladesh Single: 30 lac; Interest payable after on profit of people, before 1st & investment facility.
Sanchayapatra Jointly: 60 lac; 1st year @ 9.35%, recognized year Post office.
2nd year @ 9.80%, Provident Fund no interest
Recognized Provident 3rd year @ 10.25%, accrued
Fund: Unlimited 4th year @ 10.75%.
2. 3-Monthly 3-year Single: 30 lac; 11.04% on Maturity 5% All classes Encashment Bank, Bureau Profit will be paid at
Profit basis Interest payable after on profit of people. before 1st & highest rate in every 3-
Sanchayapatra Jointly: 60 lac; 1st year @ 10.00%, year Post office. month interval.
2nd year @ 10.50%, no interest
accrued
3. Pensioner 5-Year 50 lac 11.76% on Maturity 5% Retired Govt., Encashment Bank, Bureau Profit will be paid at
Sanchayapatra Interest payable after on profit Semi-Govt, before 1st & highest rate in every 3-
1st year @ 9.70%, Autonomous, Semi- year Post office. month interval.
2nd year @ 10.15%, Autonomous no interest
3rd year @ 10.65%, officials. accrued
4th year @ 11.20%.
4. Poribar 5-Year 45 lac 11.52% on Maturity 5% Any Adult Encashment Bank, Bureau Profit will be paid at
Sanchayapatra Interest payable after on profit.Bangladeshi before 1st & highest rate in every
1st year @ 9.50%, female, Physical year Post office. month interval.
2nd year @ 10.00%, Disable & 65 yrs or no interest
3rd year @ 10.50%, above senior accrued
4th year @ 11.00% citizen
5. Bangladesh 3-Month Unlimited 6.50% 20% on Any persons - Bank, Bureau Draw every after three
Prize Bond prize money & months
Post office.
6. Wage Earner 5-Year Unlimited 12.00% (Compound) 5% A Bangladeshi No profit will Bank Profit is payable at every
Development on profit wage earner be paid 6-month interval; Death
Bond serving abroad. before 6- risk benefit & re-
month. investment facility are
available.
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Sl. Name of Maturity Limit Interest rate Tax Investors Penalty Implementing Comments
No Schemes Treatment agency
1 2 3 4 5 6 7 8 9 10
7. US Dollar 3-Year Unlimited 7.50% on Maturity Tax free Non-Residence No profit is Bank Interest payable
Premium Bond Interest payable after Bangladeshi FC payable in Taka; Death risk
1st year @ 6.50%, Account holder before 1 year benefit, CIP facility & re-
2nd year @ 7.00% investment facility are
available.
8. US Dollar 3-Year Unlimited 6.50% on Maturity Tax free Non-Residence No profit is Bank Interest payable
Investment Interest payable after Bangladeshi FC payable in Dollar; CIP facility, re-
Bond 1st year @ 5.50%, Account holder before 1 year investment facility are
2nd year @ 6.00% available.
9. Post office - Single 30 lac; 10% on profit All classes No profit will Post Office -
Savings Bank- 7.50% of people be paid
Ordinary A/C Jointly 60 lac before 1-
month.
10. Post office 3-Year Single 30 lac; 11.28% on Maturity 10% on profit All classes No profit will Post Office Available for re-
Savings Bank- Interest payable after of people be paid investment facility
Fixed Deposit Jointly 60 lac 1st year @ 10.20%, before 6-
2nd year @ 10.70% month.
11. Postal Life Insurance: Tax free All classes - Post Office Age limit 19 to 55 year.
(I) Whole Life Minimum limit of Tk.42 per Thousand. of people Monthly premium
Insurance Investment Tk. 1,000/= Yearly 4.2% depends on age &
(II) Fixed Term 5/10/15/20/ Minimum limit of Tk.33 per Thousand. amount of investment
Insurance 25/30/35/40 Investment Tk. 1,000/= Yearly 3.3%

(Muhammad Mizanur Rahman)

Deputy Director
Department of National Savings

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