The Bangladesh government has introduced a notable increase in the interest rates for the National Savings Certificate (Sanchayapatra). Effective January 1, 2025, this adjustment reflects a significant rise across all schemes, offering improved returns compared to previous rates. Moreover, the annual rates applied from the starting year of the term until maturity have also been revised upward. Let's go over the updated profit rates each scheme offers in detail.

Updated Interest Rates of National Savings Certificate: Scheme-wise Breakdown of Sanchayapatra

Two different investment ranges have been announced for the payment of profit of the National Savings Scheme.

First Investment Category: Up to BDT 7.5 lakh

Second Investment Category: Exceeding BDT 7.5 lakh

The yield rate for the second category is lower than that of the first, but both categories reflect an increase in contrast to earlier rates. These rates will be reviewed every six months based on the average interest rates of 5-year and 2-year treasury bonds.

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Below is a detailed breakdown of the returns for various schemes under the Government Savings Service:

Table: Revised return rates for Savings Certificate in 2025

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Pensioner Scheme

Under this scheme, individuals investing amounts reaching BDT 7.5 lakh in cash before maturity will earn an interest starting at 10.23 percent by the end of the first year. The rate increases to 10.75 percent in the second year, followed by 11.31 percent in the third year and 11.91 percent in the fourth year. Upon maturity after five years, the maximum yield rate of 12.55 percent will be achieved, the highest return currently applicable.

For investments exceeding BDT 7.5 lakh, the yield percentage for year one will stand at 10.11, representing the lowest return under the revised system. The rate will increase to 10.62 percent in the second year, 11.17 percent in the third year, and 11.75 in the fourth year. By the fifth year, this rate will peak at 12.37 percent upon completion of the term.

Family Scheme

Investors committing funds equivalent to BDT 7.5 lakh can achieve a return of 12.5 percent upon maturity of this savings certificate. For withdrawals before maturity, the profit rate begins at 10.20 percent at the end of the first year. The payout rate will extend to 10.72 percent in the second year, 11.28 percent in the third year, and 11.87 percent in the fourth year.

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For those with investments surpassing BDT 7.5 lakh, the profit rate starts at 10.11 percent for the beginning year. It progresses to 10.62 percent in the second year, climbs further to 11.17 percent in year three, and rises to 11.75 percent in the fourth. If the full five-year term is completed, the profit percentage will reach 12.37.

Bangladesh Saving Scheme

For this type of savings certificate, the payout rate upon maturity for investments capped at BDT 7.5 lakh is 12.40 percent. If maturity is not reached, the interest will be yielded at the percentage of 10.13 for the starting year, 10.64 in the second year, 11.19 in the third year, and 11.78 in the fourth year.

Investors allocating amounts beyond BDT 7.5 lakh will earn a first-year earning rate of 10.11 percent in case of early withdrawal. This grows to 10.62 percent in the second year, reaches 11.17 percent by the third, and advances to 11.75 percent in the fourth year. For investments held to maturity after five years, the payout rate will reach 12.37 percent.

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3-month Profit-based Scheme

Investments capped at BDT 7.5 lakh in this savings scheme will yield a return of 12.30 percent upon completion of the term. The yield rate on this 3-year savings certificate for withdrawals before maturity will be 11.04 percent in the first year and 11.65 percent in the second year.

In contrast, for investments exceeding BDT 7.5 lakh, an early withdrawal after the opening year will result in an earning rate of 11 percent. This increases to 11.61 percent in the second year. If the full term is completed, the interest yielded will be 12.25 percent.

Postal Savings Bank Fixed Deposit

Outside the above four main schemes, the return rate for both investment ranges (up to BDT 7.5 lakh and more) in postal savings mirrors the interest percentages of the 3-month profit-based scheme.

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Who Benefits from the New Interest Rates?

The increased return rates of Sanchayapatra across all schemes benefit a broad spectrum of investors. Consequently, individuals purchasing savings certificates from January 2025 will benefit from this revised and enhanced profit structure.

Summary

The updated profit rates for Bangladesh National Savings Certificate in 2025 have enhanced returns across the revised investment ranges. Investments in Sanchayapatra up to BDT 7.5 lakh now yield a minimum of 12.30 percent in two 3-year maturity systems.

The pensioner savings system offers a maximum return of 12.55 percent for investments amounting to BDT 7.5 lakh. For investing more than BDT 7.5 lakh in Sanchayapatra, the highest return is 12.37 percent in 5-year schemes, while the lowest, 12.25 percent, applies to 3-year schemes under the modified savings structure.

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