Six months after introducing a bold framework, the Bangladesh government have once again made significant changes to all national savings schemes. The revisions cover various schemes, including the well-known Paribar Sanchayapatra. These changes focus only on return rates against different investments. Let’s explore the newly announced profit rates of the Family Savings Certificate.
Paribar Sanchayapatra (Family Savings Certificates’) Yield Structure from July 2025
In the case of any existing holdings across all schemes, along with previous investments, the return rate will apply based on the following investment limits:
i) BDT 7,50,000 or below
ii) Above BDT 7,50,000
The profit breakdown for this five-year savings scheme is detailed in the following table:
Table: Revised Interest Rates of Paribar Sanchayapatra Applicable from 1st July, 2025
| Year |
Investments Up to BDT 7,50,000 |
Investments More than BDT 7,50,000 ( BDT 7,50,001 and Above) |
| Profit Rate (%) | ||
| 1st | 9.81 | 9.72 |
| 2nd | 10.29 | 10.19 |
| 3rd | 10.80 | 10.70 |
| 4th | 11.35 | 11.23 |
| 5th / At Maturity | 11.93 | 11.80 |
For Paribar Sanchayapatra investments up to BDT 7.5 lakh (7,50,000 or below), the highest monthly return will follow an annual rate of 11.93 percent (11.93%). For amounts exceeding BDT 7.5 lakh (7,50,001 and above), the top rate slightly drops to 11.80 percent.
For early encashment, profit will be paid at the annual rates shown in the table above. Within the BDT 7.5 lakh ceiling, returns will be 9.81 percent in the first year. The second, third, and fourth years will offer 10.29 percent, 10.80 percent, and 11.35 percent, respectively.
For investments above BDT 7.5 lakh, early encashment yields 9.72 percent in the first year. In the second, it will be 10.19 percent. The third and fourth years bring returns of 10.70 percent and 11.23 percent, respectively.
Who Can Avail the July 2025 Return Rates of Paribar Sanchayapatra?
The revised profit rates apply exclusively to purchases made on or after July 1, 2025. Investments prior to this date will remain under the previous terms.
The profit rate will be revised six months after this order takes effect. However, investors will receive the rate applicable at the time of purchase for the entire tenure. In other words, the initially issued rate will remain unchanged throughout the investment period.
Summing Up
The maximum annual rate, featured in Paribar Sanchayapatra, for investments up to BDT 7,50,000 is 11.93%. For amounts above BDT 7,50,000, the highest rate stands at 11.80%. Only those who purchase Family Savings Certificates on or after July 1, 2025, will fall under this revised rate structure.
Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate