Across its full suite of savings instruments, sweeping modifications have been rolled out under Bangladesh's National Savings Scheme. One key alteration pertains to the Pensioner Sanchayapatra, which now follows a redefined approach to distributing annual gains. From July 2025, the scheme will operate under a revised model, defining yearly profit margins based on investment volume. Both full-term and premature encashment returns are now clearly stipulated. Let’s delve into the refreshed July-December 2025 interest rate structure of the pensioner savings arrangement.

Pensioner Savings Certificates’ Profit Framework for July to December 2025

All existing and new investments, across every category of savings certificate, will be aggregated to determine the applicable rate. The new segmentation, reflecting the framework, is outlined below:

i) BDT 7,50,000 or less

ii) More than BDT 7,50,000

Read more: July 2025 Interest Rates of Paribar Sanchayapatra under Bangladesh's National Saving Scheme

Presented below is the latest rate chart, indicating yearly returns based on investment tier and withdrawal status:

Table: Yearly Profit Breakdown by Investment Level – Pensioner Sanchayapatra for July-December 2025 

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Investors selecting the Pensioner Sanchayapatra with a maximum principal of BDT 7.5 lakh (7,50,000 or below) are entitled to the highest annual return upon full maturity. The corresponding annual rate of return is 11.98 percent (11.98%). For investments exceeding BDT 7.5 lakh (7,50,001 and above), the maximum annual return is slightly reduced to 11.80 percent (11.80%).

If the investment is encashed before maturity, the return will be based on the rate structure given in the table. For amounts within the BDT 7.5 lakh limit, the first-year return is 9.84 percent. The second, third, and fourth years offer returns of 10.32 percent, 10.84 percent, and 11.39 percent, respectively.

For sums exceeding BDT 7.5 lakh, premature encashment yields 9.72 percent in the first year. The applicable rates for the second, third, and fourth years are 10.19 percent, 10.70 percent, and 11.23 percent, respectively.

Read more: July 2025 Interest Rates of 5-year Bangladesh Sanchayapatra under National Savings Scheme

Who Benefits from the July-December 2025 Interest Rates on Pensioner Savings Certificates?

The updated profit rates apply exclusively to Pensioner Sanchayapatra accounts initiated on or after July 1, 2025.

A formal review of the revised rates is set to occur six months following implementation. However, the return rate secured at the time of issuance will remain unchanged throughout the duration of the investment. Therefore, the rate assigned upon purchase is fixed for the entire term.

In a Nutshell

Modifications to the National Savings Scheme have been implemented for the July–December 2025 period. According to the updated framework, the highest annual return for the Pensioner Sanchayapatra is 11.98 percent at maturity for investments up to BDT 7,50,000. For contributions exceeding BDT 7,50,000, the peak return is revised to 11.80 percent annually. This rate structure applies solely to certificates opened on or after July 1, 2025.

Read more: July 2025 Interest Rates of 3-Monthly Profit-Bearing Sanchayapatra under Bangladesh's National Saving Scheme