The National Savings Scheme in Bangladesh has brought notable updates to all savings certificates. The 3-Monthly Profit-Bearing Sanchayapatra is among those receiving renewed attention. These revisions, effective from July 2025, apply to the profit distribution. The scheme sets quarterly profit rates for maturity and early encashment based on the amount invested. Let’s explore the newly structured July-December 2025 returns under the quarterly interest-bearing savings option.
3-month Profit-bearing Savings Certificates’ Return Framework for July to December 2025
When considering total holdings across all schemes, including prior investments, the applicable return rate will be determined according to the following investment brackets:
i) BDT 7,50,000 or less
ii) Exceeding BDT 7,50,000
The following table presents the profit structure for this three-year scheme, detailing returns upon maturity and early encashment.
Table: Annual Profit Rates by Investment Tier in the 3-Month Interest-Bearing Scheme
| Investment Period (Year) |
Investments (Up to BDT 7,50,000) |
Investments (More than BDT 7,50,000 or BDT 7,50,001 and Above) |
| Profit Rate (%) | ||
| 1st | 10.65 | 10.60 |
| 2nd | 11.22 | 11.16 |
| 3rd / At Maturity | 11.82 | 11.77 |
.
Those purchasing the 3-Month Profit-Bearing Sanchayapatra with amounts up to BDT 7.5 lakh (7,50,000 or below) will receive a maximum quarterly profit at maturity. This corresponds to an annual rate of 11.82 percent (11.82%). For investments exceeding BDT 7.5 lakh (7,50,001 and above), the maximum annual rate is slightly reduced to 11.77 percent.
In cases of early encashment, profit will be calculated according to the rates indicated in the table. Balances up to BDT 7.5 lakh (7,50,000 or less) attract an annual interest rate of 10.65 percent at the end of the first year. The rate rises to 11.22 percent by the second year.
Amounts above BDT 7.5 lakh (7,50,001 or more) earn 10.60 percent annually if encashed in the first year. The return rate increases to 11.16 percent in the second year.
Read more: July 2025 Interest Rates of Paribar Sanchayapatra under Bangladesh's National Saving Scheme
Who Qualifies for July-December 2025 Interest Rates on 3-Monthly Sanchayapatra?
The updated interest rates are effective exclusively for 3-monthly profit-bearing savings certificates purchased on or after July 1, 2025.
Return rates will undergo review six months following the implementation of this directive. However, Investors will continue to earn the rate prevailing at the time of their investment for the full duration. Put simply, the original rate at issuance remains unchanged for the entire investment term.
Wrapping Up
The National Saving Scheme in Bangladesh has been upgraded for the July to December 2025 period. The highest annual rate offered on the 3-month profit-bearing Sanchayapatra is 11.82 percent at maturity for investments up to BDT 7,50,000. When the investment amount surpasses BDT 7,50,000, the profit rate adjusts slightly to 11.77 percent. This updated rate framework applies only to 3-month Profit-bearing Savings Certificates acquired on or after July 1, 2025.