As 2025 began, the National Savings Scheme introduced a revamped structure that substantially changed all savings certificates nationwide including the Paribar Sanchayapatra. These adjustments include an increase in both the investment limits and profit rates compared to previous years. On January 21, the National Savings Department updated its website with detailed information regarding the source tax applicable to these schemes. This update clarified the amounts payable to Sanchayapatra holders upon maturity and encashment. In this context, let’s go over the new profit structure of the widely favored Family Savings Certificate.

Family Savings Certificates’ Updated Return on Investment

The profit structure for this 5-year scheme, including the tax deducted at source (TDS) applied to maturity and encashment, is outlined in the table below:

Table: Profit Rates for Different Investment Amounts in the Family Scheme

Read more: Is Sanchayapatra a Good Investment

For investors who buy Paribar Sanchayapatra up to BDT 7.5 lakh (7,50,000 or below) ceiling, the maximum monthly profit will be given at an annual rate of 12.5 percent (12.5%). For investments exceeding BDT 7.5 lakh (7,50,001 and above), the maximum profit rate decreases slightly to 12.37 percent.

The source tax will be applied to the profits depending on the investment margin. For the monetary input up to BDT 5 lakh (5,00,000 or below), the source tax rate is 5%. For capital allocation surpassing this amount (5,00,001 or more than that), the tax rate is 10%. 

If the Paribar Sanchayapatra is encashed before the full term, the profit will be calculated at the applicable rate mentioned in the table. However, encashing the Family Saving Certificate at maturity, after completing the 5-year term, offers the highest returns than early encashments. In cases of early withdrawal, the additional amount provided on maturity will be deducted, and the remaining principal amount will be refunded.

In the case of early encashments, for investors with up to BDT 5 lakh (5,00,000 or below), the annual interest rate will be 10.20 percent at the end of the first year. At the end of the second year, this return will be 10.72 percent. By the third year, the interest rate will be 11.28 percent; after the fourth year, it will reach 11.87 percent.

Read more: How to Buy Sanchayapatra in Bangladesh

For investments above BDT 5 lakh and up to 7.5 lakhs (BDT 5,00,001 - 7,50,000), the encashment results in a profit of 10.20 percent in the first year. At the end of the second, third, and fourth years, the profit rate will be charged at 10.72 percent, 11.28 percent, and 11.87 percent respectively. In all cases, a 10 percent source tax will be imposed on the profit.

For investments exceeding BDT 7.5 lakh (7,50,001 and above), the 10 percent source tax on profit remains applicable. For early encashments, the monthly profit will be given at an annual rate of 10.11 percent for one year. In the second year, the interest rate will be 10.62. During the third year and fourth year, the rate of profit will rise to 11.17 percent and 11.75 percent respectively.

Who Can Apply for This Savings Scheme

- Bangladeshi women aged eighteen (18) and above
- All Bangladeshi citizens with physical disabilities, regardless of gender
- Bangladeshi men and women aged sixty-five (65) and above.

Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate

Additional Benefits

- Monthly profit withdrawal option
- Buyers can appoint, change, or cancel their nominee
- After the buyer’s death, the last appointed nominee can cash the scheme or wait until maturity to continue receiving monthly profits

Highest Ceiling

An individual can invest a maximum of 45 Lakhs Taka in Paribar Sanchayapatra or Family Saving Certificate in Bangladesh.

An individual can invest a maximum of 50 Lakhs Taka combining Paribar Sanchayapatra, 3-year Savings certificates, and 5-year National Saving Certificates in Bangladesh.

Read more: How to Submit Zero Income Tax Return Online in Bangladesh

Summing Up

Investments up to BDT 7,50,000 in Paribar Sanchayapatra will bring a maximum of  12.5 percent profit rate at maturity. The net profit rate stands up to 12.37 percent, concerning investments going beyond BDT 7,50,000. 

In the Family Savings Certificates category in Bangladesh, for the maximum of BDT 7.5 lakh investment limit, two categories are defined based on the source tax applied to the profit. A 5% tax will be imposed for investments up to BDT 5 lakh and a 10% tax for amounts exceeding BDT 5 lakh. 

Overall, irrespective of maturity, encashment, or variations in capital amounts, this updated scheme will bring higher profit returns compared to previous years.

Read more: Sanchayapatra interest rate revised: New profit rates of Bangladesh National Savings Certificate in 2025