United News of Bangladesh

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. Read more: 6 Popular Bangladeshi Banks Offering Personal Loans for Marriage, Education, Travel, Medical and Other Purposes

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 belowii) 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. Read more: 6 Popular Bangladeshi Banks Offering Personal Loans for Marriage, Education, Travel, Medical and Other Purposes 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