2025-26
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Paribar · Pensioner · 3-Month Interval · 5-Year Bangladesh Savings Certificate
Sanchayapatra Calculator Bangladesh
Calculate your monthly or quarterly payouts, NBR tax deductions at source (TDS), and final maturity values for national savings certificates. This estimator applies the current progressive interest rate slabs and tax thresholds to calculate your exact net returns.
Last reviewed: June 2026 · Sourced from National Savings Directorate & Bangladesh Bank circulars
National Savings Directorate aligned
Formulas follow official internal resources division rules
Rates active for FY 2025-26
Slab structure and tax rates verified with latest circulars
Instant offline math
Calculated in your browser privately — no user data is collected
Verify at your branch
Always confirm current rates and limits before purchasing
Step By Step
How to Use the Sanchayapatra Calculator
6 steps
- Select the type of savings certificate (Paribar, Pensioner, 3-Month, or 5-Year) from the presets.
- Enter your total investment amount (minimum ৳10,000 for standard, ৳50,000 for pensioner).
- Toggle the holding type between Single or Joint (note: Pensioner is single only).
- Check the warning box if your amount exceeds the maximum allowed limits.
- View your gross payout per interval, deducted TDS tax, net credited return, and total maturity amount.
- For investments above ৳15 Lakh, refer to the slab table below the calculator to see the weighted average returns.
Worked Example
Example: Paribar Sanchayapatra (৳20 Lakh)
Use this sample to sanity-check your inputs and understand what the final result represents.
- 1Principal: ৳20,00,000 (Joint/Single)
- 2First ৳15,00,000 earns 11.52% (৳14,400 gross/month)
- 3Next ৳5,00,000 earns 10.52% (৳4,383.33 gross/month)
- 4Total Monthly Gross: ৳18,783.33
- 5TDS Tax (10% because total > ৳5 Lakh): ৳1,878.33
Final Result
Net Monthly Credit: ৳16,905.00 · Total 5-Yr Net Profit: ৳10,14,300
Methodology
Sanchayapatra Formula & Methodology
This section explains the calculation logic, assumptions, and source material used to make the result more trustworthy and easier to verify.
Sanchayapatra uses a layered progressive rate slab:
Slab 1 (Up to ৳15 Lakh): Amount × Full rate Slab 2 (৳15 Lakh to ৳30 Lakh): Amount × (Full rate − 1%) Slab 3 (Above ৳30 Lakh): Amount × (Full rate − 2%)
Tax Deduction (TDS): If Investment ≤ ৳5,00,000: Tax = Gross Profit × 5% If Investment > ৳5,00,000: Tax = Gross Profit × 10%
Monthly Payout = (Yearly Net Return) ÷ 12 Quarterly Payout = (Yearly Net Return) ÷ 4
Sanchayapatra Eligibility & Investment Limits
Each certificate has specific rules, age limits, and holding boundaries defined by Bangladesh Bank.
| Certificate Type | Eligibility | Single Limit | Joint Limit |
|---|---|---|---|
| Paribar Sanchayapatra | Adult Women (18+), Physically Challenged, Senior Citizens (50+) | ৳45 Lakh | ৳90 Lakh |
| Pensioner Sanchayapatra | Retired Government, semi-gov, and bank employees | ৳50 Lakh | Not Allowed |
| 3-Month Interval Sanchayapatra | All adult Bangladeshi citizens, schools, hospitals, and charities | ৳30 Lakh | ৳60 Lakh |
| 5-Year Bangladesh Sanchayapatra | All Bangladeshi citizens, recognized companies, provident funds | ৳30 Lakh | ৳60 Lakh |
Premature Encashment Profit Rates
If you withdraw your investment before the full term, your interest will be re-calculated at a reduced rate based on completed years. No interest is paid for withdrawals within the first year.
| Completed Period | Paribar (5-Yr) | Pensioner (5-Yr) | 3-Month (3-Yr) | 5-Year BD (5-Yr) |
|---|---|---|---|---|
| Less than 1 Year | 0.00% | 0.00% | 0.00% | 0.00% |
| After 1 Year | 9.50% | 9.70% | 9.00% | 9.35% |
| After 2 Years | 10.00% | 10.15% | 9.50% | 9.80% |
| After 3 Years | 10.50% | 10.65% | 11.04%* | 10.40% |
| After 4 Years | 11.00% | 11.20% | N/A | 10.90% |
| At Maturity (5 Yrs) | 11.52%* | 11.76%* | N/A | 11.28%* |
* Represents full maturity rate for the respective savings certificate.
Sanchayapatra Investment Rules for Savers
💡 Bank account must match National ID (NID)
Sanchayapatra purchases are registered directly against your NID. Interest and principal at maturity are transferred via EFT (Electronic Funds Transfer) to the bank account linked to your NID.
💡 Tax exemption limits
No tax is deducted if your total savings certificate holdings do not exceed ৳5 Lakh. TDS is 10% on the entire profit for amounts above ৳5 Lakh. Source tax is deducted automatically. You can estimate your annual tax liability using our Income Tax Calculator.
💡 Quarterly vs Monthly payouts
Paribar pays profit monthly. Pensioner and 3-Month Interval certificates pay profit quarterly (every three months). 5-Year Bangladesh Sanchayapatra pays interest at maturity.
💡 Nominee details
You must appoint one or more nominees. NID, photos, and signatures of nominees are required during purchase. Nominee shares can be updated at any time.
💡 Where to purchase
Sanchayapatra can be bought from National Savings Bureaus, Bangladesh Bank, Scheduled Banks, and Post Offices throughout Bangladesh.
💡 Alternative tax-saving options
For other tax-efficient savings in Bangladesh, consider diversifying into Shariah-compliant Government Sukuk Bonds or bank Fixed Deposits & DPS schemes which also qualify for NBR tax rebates.
Frequently Asked Questions (FAQs)
Who is eligible to purchase Paribar Sanchayapatra?
Paribar Sanchayapatra (Family Savings Certificate) is designed for adult Bangladeshi women (aged 18+), physically challenged citizens (male or female), and senior citizens aged 50 and above.
How is the NBR source tax (TDS) calculated on Sanchayapatra profit?
If your total cumulative investment in Sanchayapatra does not exceed ৳5 Lakh, the tax deducted at source is 5% on the profit. If your total investment exceeds ৳5 Lakh, the tax rate is 10% on the entire profit payout. This tax is automatically deducted before profit is credited to your bank account.
What is the maximum investment limit for Sanchayapatra?
For Paribar, the limit is ৳45 Lakh (singly) and ৳90 Lakh (jointly). For Pensioner, it is ৳50 Lakh (single). For 3-Month Interval and 5-Year Bangladesh Sanchayapatra, the limits are ৳30 Lakh (single) and ৳60 Lakh (joint).
How do the slab interest rates work if I invest more than 15 Lakh?
Bangladesh Bank uses a progressive slab structure. The first ৳15 Lakh earns the full interest rate (e.g., 11.52% for Paribar). The next ৳15 Lakh (from ৳15,00,001 to ৳30,00,000) earns a reduced rate (e.g., 10.52%). Any investment above ৳30 Lakh earns the lowest slab rate (e.g., 9.52%). Your monthly payout is the weighted average of these slabs.
Can I withdraw my money before maturity?
Yes, premature encashment is allowed after completing at least 1 year. However, if you encash early, you will not receive the full interest rate. Instead, you will receive a reduced interest rate based on the number of completed years (e.g., 9.5% after 1 year, 10% after 2 years, etc.), and any excess profit already paid monthly will be adjusted and deducted from your principal.
Disclaimer: This calculator provides planning estimates only. Actual returns depend on your purchase date, changes in government policies, premature encashment conditions, and final TDS tax adjustments. Always consult the National Savings Directorate or your local bank branch for official verification before making any investments. CostNest is not a financial advisor.