Sanchayapatra is a popular investment option in Bangladesh that has gained significant attention from investors in recent years. It is a savings instrument offered by the Bangladesh government, designed to help individuals save money for the future and grow it at the same time. The program offers an attractive interest rate, making it a great investment opportunity for those looking to secure their financial future. The Sanchayapatra program is considered to be a safe investment option as it is backed by the Bangladesh government. It offers a guaranteed return on investment and is ideal for individuals who are looking for a low-risk investment option. The program is open to everyone, including students, housewives, and the elderly, making it an inclusive investment option. In this article, we will discuss different types of Sanchayapatra and the process of buying Sanchayapatra in Bangladesh in 2023. Types of Sanchayapatra in Bangladesh Currently, the Directorate of National Savings of the government offers 11 unique investment programs. Among these programs, there are four distinct types of Sanchayapatras: 3 Monthly Interest Bearing Sanchayapatra, 5 Years Sanchayapatra, Pensioner Sanchayapatra, and Poribar Sanchayapatra. 3-Monthly Profit Bearing Sanchayapatra This investment program, also called the "Tin Mash Ontor Munafa Vittik Sanchaypatra," requires a minimal investment amounting to Tk 1,00,000 and has a three-year maturity period. This program was first introduced in 2004. Read More: What to Consider Before Buying Land: A Step-by-Step Guide Price Tk. 1,00,000, Tk. 2,00,000, Tk. 5,00,000, and Tk. 10,00,000. Duration Three years maturity period. Where to Buy Purchase and encashment can be done from National Savings Directorate, Bangladesh Bank branches, commercial banks and post offices. Profits Name of savings scheme Duration The Current rate of profit   Amount of investment         Up to Tk. 15,00,000 Tk. 15,00,001 to Tk. 30,00,000 Tk. 30,00,001 and more 3-Monthly Interest Bearing Sanchayapatra       Rescheduled Profit Rate (%)     After one year 10.00% 10.00 9.06 8.15   After two years 10.50% 10.50 9.51 8.56   After three years 11.04% 11.04 10.00 9.00 (Source: National Savings Directorate, retrieved on April 04, 2023) Read More: Shares vs Bonds: What is the Ideal Investment Opportunity Tax For up to Tk 5,00,000 (five lacs) investment, 5% tax is deducted at source on the profit, and for investment above five lac 10% tax is deducted at source on the profit. Who Can Buy 3-monthly Profit Bearing Sanchayapatra? All Bangladeshi citizens regardless of profession, or educational levelAny certified autistic cooperative institution (the profits of which must be used to benefit those with autism) approved by the District Social Services Office. Highest Ceiling (max limit) for Buying 3-Monthly Interest Bearing Sanchayapatra The ceiling for investment is capped at Tk 30,00,000 for individual investors and Tk 60,00,000 for joint investors. Other Benefits - Profit is payable quarterly.- Nominees can be appointed.- After the death of the purchaser, the nominee can immediately encash the savings certificate and withdraw the money or keep it and withdraw the profit, as usual, every three (3) months until maturity. Read More: Apartment Buying Mistakes to Avoid to Secure Your Investment