United News of Bangladesh

Across its full suite of savings instruments, sweeping modifications have been rolled out under Bangladesh's National Savings Scheme. One key alteration pertains to the Pensioner Sanchayapatra, which now follows a redefined approach to distributing annual gains. From July 2025, the scheme will operate under a revised model, defining yearly profit margins based on investment volume. Both full-term and premature encashment returns are now clearly stipulated. Let’s delve into the refreshed July-December 2025 interest rate structure of the pensioner savings arrangement. Pensioner Savings Certificates’ Profit Framework for July to December 2025 All existing and new investments, across every category of savings certificate, will be aggregated to determine the applicable rate. The new segmentation, reflecting the framework, is outlined below: i) BDT 7,50,000 or less ii) More than BDT 7,50,000 Read more: July 2025 Interest Rates of Paribar Sanchayapatra under Bangladesh's National Saving Scheme Presented below is the latest rate chart, indicating yearly returns based on investment tier and withdrawal status: Table: Yearly Profit Breakdown by Investment Level – Pensioner Sanchayapatra for July-December 2025  Investment Period (Year) Investments Up to BDT 7,50,000 Investments More than BDT 7,50,000 (BDT 7,50,001 and Above) Profit Rate (%) 1st 9.84 9.72 2nd 10.32 10.19 3rd 10.84 10.70 4th 11.39 11.23 5th / At Maturity 11.98 11.80 . Investors selecting the Pensioner Sanchayapatra with a maximum principal of BDT 7.5 lakh (7,50,000 or below) are entitled to the highest annual return upon full maturity. The corresponding annual rate of return is 11.98 percent (11.98%). For investments exceeding BDT 7.5 lakh (7,50,001 and above), the maximum annual return is slightly reduced to 11.80 percent (11.80%). If the investment is encashed before maturity, the return will be based on the rate structure given in the table. For amounts within the BDT 7.5 lakh limit, the first-year return is 9.84 percent. The second, third, and fourth years offer returns of 10.32 percent, 10.84 percent, and 11.39 percent, respectively. For sums exceeding BDT 7.5 lakh, premature encashment yields 9.72 percent in the first year. The applicable rates for the second, third, and fourth years are 10.19 percent, 10.70 percent, and 11.23 percent, respectively. Read more: July 2025 Interest Rates of 5-year Bangladesh Sanchayapatra under National Savings Scheme Who Benefits from the July-December 2025 Interest Rates on Pensioner Savings Certificates? The updated profit rates apply exclusively to Pensioner Sanchayapatra accounts initiated on or after July 1, 2025. A formal review of the revised rates is set to occur six months following implementation. However, the return rate secured at the time of issuance will remain unchanged throughout the duration of the investment. Therefore, the rate assigned upon purchase is fixed for the entire term. In a Nutshell Modifications to the National Savings Scheme have been implemented for the July–December 2025 period. According to the updated framework, the highest annual return for the Pensioner Sanchayapatra is 11.98 percent at maturity for investments up to BDT 7,50,000. For contributions exceeding BDT 7,50,000, the peak return is revised to 11.80 percent annually. This rate structure applies solely to certificates opened on or after July 1, 2025. Read more: July 2025 Interest Rates of 3-Monthly Profit-Bearing Sanchayapatra under Bangladesh's National Saving Scheme

The National Savings Scheme has introduced important revisions across all categories of savings certificates. Among them, the 5-year Bangladesh Sanchayapatra has undergone a key update regarding its profit allocation framework. Effective from July 2025, the revised structure outlines annual return rates. These rates are set both at maturity and for early encashment, based on the scale of investment. Let’s delve into the revised July-December 2025 profit structure of the 5-year savings scheme. 5-year Bangladesh Sanchayapatra's Interest Rates & Profits for July to December 2025 In assessing the applicable return rate, total accumulated investments across all savings instruments, including past contributions, will be included. The latest investment thresholds are detailed as follows: i) Up to BDT 7,50,000 ii) Above BDT 7,50,000 The table below outlines the updated annual profit rates for the 5-year scheme, reflecting both maturity and early withdrawal scenarios: Read more: July 2025 Interest Rates of 3-Monthly Profit-Bearing Sanchayapatra under Bangladesh's National Saving Scheme Table: Annual Return Rates by Investment Tier – 5-year Bangladesh Sanchayapatra for July-December 2025 Period Investment Period (Year) Investments Up to BDT 7,50,000 Investments More than BDT 7,50,000 (BDT 7,50,001 and Above) Profit Rate (%) 1st 9.74 9.72 2nd 10.21 10.19 3rd 10.72 10.70 4th 11.26 11.23 5th / At Maturity 11.83 11.80 . Individuals opting for the 5-year Bangladesh Sanchayapatra with an investment of BDT 7.5 lakh (7,50,000 or below) will receive the highest annual return at full term. This translates to an annual yield of 11.83 percent (11.83%). For amounts over BDT 7.5 lakh (7,50,001 and above), the peak yearly return is slightly lower at 11.80 percent. Should encashment occur before maturity, the applicable profit will align with the specified breakdown. For holdings within the BDT 7.5 lakh threshold, the rate stands at 9.74 percent in the initial year. Returns in the second, third, and fourth years are 10.21 percent, 10.72 percent, and 11.26 percent, respectively. Where the principal crosses BDT 7.5 lakh, early withdrawal will yield 9.72 percent in the first year. The second year offers 10.19 percent, followed by 10.70 percent and 11.23 percent in the third and fourth years, respectively. Read more: July 2025 Interest Rates of Paribar Sanchayapatra under Bangladesh's National Saving Scheme Who Can Access July-December 2025 Interests of 5-Year Bangladesh Sanchayapatra? The revised interest structure applies solely to 5-year Bangladesh Sanchayapatra accounts opened on or after July 1, 2025. A formal reassessment of the rates is scheduled six months after this policy takes effect. Nevertheless, the earnings rate confirmed at the time of purchase will remain fixed throughout the investment's lifespan. In essence, the initially assigned return is locked in for the full term. Piling Up Enhancements to Bangladesh's National Savings Scheme have been introduced for the July–December 2025 cycle. Under the revised structure, the peak annual yield for the 5-year Bangladesh Sanchayapatra reaches 11.83 per cent at maturity for deposits up to BDT 7,50,000. For amounts above BDT 7,50,000, the maximum annual return slightly adjusts to 11.80 per cent. This structure exclusively governs certificates issued from July 1, 2025, onwards. Read more: 6 Popular Bangladeshi Banks Offering Personal Loans for Marriage, Education, Travel, Medical and Other Purposes

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

The 2025 Bangladesh National Savings Scheme sets a new benchmark, offering the most lucrative profit rate ever for Pensioner Sanchayapatra. The rate of return has increased both at maturity and upon early encashment, with notable adjustments in the investment limits associated with these returns. On January 21, 2025, the National Savings Department finalized its decision on tax deduction at source. It provides clarity on the calculation of payouts for different investors. Let’s explore the revised rate of return for pensioner savings certificates (Sanchayapatra) in detail. Pensioner Savings Certificates’ Updated Investment Yields The table below shows the expected profit at the time of encashment and maturity for various investment limits in this 5-year scheme: Table: Revised Return Rates for Different Investment Tiers in Pensioner Savings Schemes Investment Period (Year) Investments Up to BDT 7,50,000 Investments BDT 7,50,001 and Above TDS On Investment up to BDT 5,00,000 (%) Profit Rate (%) TDS on Investment from BDT 5,00,001 to 7,50,000 (%) Profit Rate (%) TDS (%) Profit Rate (%) 1st No TDS 10.23 10 10.23 10 10.11 2nd 10.75 10.75 10.62 3rd 11.31 11.31 11.17 4th 11.91 11.91 11.75 5th 12.55 12.55 12.37 Read more: 5-Year Bangladesh Sanchayapatra 2025: Revised Profit Rates Pensioner Sanchayapatra offers a maximum annual profit of 12.55 percent (12.55%) for those investing up to BDT 7.5 lakh (7,50,000 or below). For investments above this threshold, specifically BDT 7.5 lakh (7,50,001 and above), the profit rate adjusts slightly to 12.37 percent. No tax will be deducted at source for investments capped at a maximum of BDT 5 lakhs (5,00,000) in the pensioner savings scheme. However, if the investment surpasses BDT 5 lakhs taka (5,00,001 or more), a Ten (10%) percent tax will be levied at the source. If the capital is withdrawn before maturity, the interest portion from the total payable returned amount will be adjusted based on the annual rate in the table above. Since this scheme provides monthly profit payments, the highest profit rate applies to savings certificates held for five years. Therefore, if the investment is prematurely encashed, any excess amount already paid will be deducted from the principal. Read more: 3-Monthly Profit-Bearing Sanchayapatra in Bangladesh: Revised Profit Rates in 2025 In the case of early encashments, for investors with up to BDT 5 lakh (5,00,000 or below), the annual interest rate will be 10.23 percent at the end of the first year. There will be no tax at any source here. After the second year, this return will be 10.75 percent. By the third year, the interest rate will be 11.31 percent; after the fourth year, it will reach 11.91 percent. A 10 percent tax at source will be imposed on the profit upon completion of each year of cashing in investments between BDT 5 lakh 1 taka and 7 lakh 50 thousand (5,00,001 - 7,50,000 taka). The profit payable in case of withdrawal of the invested money at the end of the first year will be charged at a rate of 10.23 percent. After the second, third, and fourth years, the profit rate will be charged at 10.75 percent, 11.31 percent, and 11.91 percent respectively. Similarly, those who deposit capital exceeding BDT 7 lakh 50 thousand (7,50,001) taka will also have to pay 10 percent tax at source. For early encashment, the monthly return rate is set at 10.11 percent annually for the first year. It increases to 10.62 percent in the second year, followed by 11.17 percent in the third and 11.75 percent in the fourth year. Read more: Paribar Sanchayapatra 2025: Revised profit rates of Family Savings Certificate in Bangladesh Criteria to Avail the New Profit Rate Only those who purchase pensioner savings certificates on or after January 1, 2025, will receive profits at this revised rate. Who Qualifies for This Savings Plan? - Retired officers or employees of autonomous, semi-autonomous, government, and semi-government organizations- Retired Honorable Justices of the Supreme Court- Retired members of the armed forces- The deceased employee’s spouse, child, or children who have already received pension benefits Upper Threshold The combined provident fund and gratuity can be invested under a single name, at a maximum cap of BDT 50 lakh. Read more: Sanchayapatra interest rate revised: New profit rates of Bangladesh National Savings Certificate in 2025 Further Advantages - Option to withdraw profits every month  - Buyers have the flexibility to appoint a nominee  - In the event of the buyer's passing, the designated nominee can either encash the scheme or retain it until maturity to continue receiving monthly profits In a Nutshell Pensioner Sanchayapatra ensures a maximum profit rate of 12.55 percent at maturity for investments up to BDT 7,50,000. However, for amounts going beyond BDT 7,50,000, the net return rate is adjusted to 12.37 percent. In Pensioner Savings Certificates, no tax applies to the first 5 lakhs, while a 10 percent tax at source is imposed on any amount exceeding this limit. Additionally, early redemption this year provides more favorable returns than in previous periods. Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate

Bangladesh National Savings Scheme 2025 offers the highest profit rate for 5-year Sanchayapatra compared to all its previous versions. Both the rate of return at maturity and on encashment have seen notable increases. Additionally, the investment limit has been significantly raised. On January 21, the National Savings Department published a notice confirming the continuation of tax at source on its official website. Consequently, savings certificate holders now better understand their entitled amount at maturity or upon early encashment. Let’s explore the new profit structure of the 5-Year Bangladesh Savings Certificate (Sanchayapatra) in detail. 5-year Bangladesh Savings Certificates’ Updated Return on Investment The profit payable upon encashment and maturity at different investment limits under this 5-year scheme is detailed in the table below: Table: Profit Rates for Various Investment Limits in the 5-Year Bangladesh Savings Scheme Investment Period (Year) Investments Up to BDT 7,50,000 Investments BDT 7,50,001 and Above TDS on Investment up to BDT 5,00,000 (%) Profit Rate (%) TDS on Investment from BDT 5,00,001 to 7,50,000 (%) Profit Rate (%) TDS (%) Profit Rate (%) 1st 5 10.13 10 10.13 10 10.11 2nd 10.64 10.64 10.62 3rd 11.19 11.19 11.17 4th 11.78 11.78 11.75 5th 12.40 12.40  12.37 For investors who buy Bangladesh Sanchayapatra up to BDT 7.5 lakh (7,50,000 or below) ceiling, the maximum profit will be given at an annual rate of 12.4 percent (12.4%). For investments exceeding BDT 7.5 lakh (7,50,001 and above), the maximum profit rate decreases slightly to 12.37 percent. Read more: 3-Monthly Profit-Bearing Sanchayapatra in Bangladesh: Revised Profit Rates in 2025 The source tax on profits varies based on the investment threshold. For investments up to BDT 5 lakh (5,00,000 or below), a 5% tax applies. However, for amounts surpassing BDT 5 lakh (5,00,001 or above), the applicable tax rate is 10%. If cashed out before the expiry date, the principal amount will be returned along with profit calculated at the relevant rate for each elapsed period as mentioned in the table. In the case of early encashments, for investors with up to BDT 5 lakh (5,00,000 or below), the annual interest rate will be 10.13 percent at the end of the first year. At the end of the second year, this return will be 10.64 percent. By the third year, the interest rate will be 11.19 percent; after the fourth year, it will reach 11.78 percent. For investments above BDT 5 lakh and up to 7.5 lakhs (BDT 5,00,001 - 7,50,000), the encashment results in a profit of 10.13 percent in the first year. At the end of the second, third, and fourth years, the profit rate will be charged at 10.64 percent, 11.19 percent, and 11.78 percent respectively. In all cases, a 10 percent source tax will be imposed on the profit. Read more: Paribar Sanchayapatra 2025: Revised profit rates of Family Savings Certificate in Bangladesh For investments exceeding BDT 7.5 lakh (7,50,001 and above), the 10 percent source tax on profit remains unchanged. In cases of early encashment, the annual profit will be calculated at a rate of 10.11 percent for the first year. This rate increases to 10.62 percent in the second year. For the third and fourth years, the profit rate rises further to 11.17 percent and 11.75 percent, respectively. Eligibility Criteria for the New Profit Rate The revised profit rate applies exclusively to investments in 5-year Bangladesh Savings Certificates made on or after January 1, 2025. Who Can Apply for This Savings Scheme - All Bangladeshi citizens irrespective of profession- Provident funds will be acknowledged or administered by the following rules:    o Sub-rule (2) under the rule of 49 of the Income-tax Acts 1984 (Part-II)    o Provident Funds Act, 1925 (19th Act of 1925)- Income from the following sources (certified by the concerned Deputy Commissioner of Taxes) according to the 34th section of Part A of Schedule 6 of the Income-tax Ordinance-1984:    o Seed production and Marketing of locally produced seeds    o Fruit and leafy vegetable cultivation    o Production of pelleted poultry feeds    o Poultry farms    o Cattle farms and Dairy and dairy farms    o Fishery farms    o Frog production farms    o Silkworm rearing farms    o Mushroom production    o Horticulture farm projects- Educational institutions for individuals with autism, or any other organization providing services to autistic individuals (must be certified by the relevant district social services office). A key requirement for profit distribution is that all income generated from the institution's investments must be exclusively used for the benefit of autistic individuals.- Orphanages, foster homes, or registered shelters established for the care of orphaned and destitute children.  - Dedicated and registered shelters for the elderly. Read more: Sanchayapatra interest rate revised: New profit rates of Bangladesh National Savings Certificate in 2025 Highest Ceiling - For Individuals: A limit of BDT 30 lakh for a single account and BDT 60 lakh for a joint account. - For Institutions: 50% of the total provident fund balance, with not more than BDT 50 crore. - For Firms: A maximum cap of BDT 2 crore. - For Institutions supporting Autism, Registered Shelters for Orphans, Destitute Children.  - Elderly: A maximum limit of BDT 5 crore. Additional Benefits - Investors have the option to appoint a nominee. - Upon the investor's death, the nominated individual can either encash the scheme or wait until maturity. Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate Summing Up Investments of up to BDT 7,50,000 in 5-Year Bangladesh Sanchayapatra will yield a maximum profit rate of 12.4 percent at maturity. For investments going beyond BDT 7,50,000, the net profit rate is capped at 12.37 percent. In 5-year Bangladesh Savings Certificates, two distinct categories exist for investments within the BDT 7.5 lakh limit, based on the source tax applied to the profit. A 5% tax is levied on investments up to BDT 5 lakh, while a 10% tax is applied to amounts exceeding BDT 5 lakh. Moreover, early redemption provides higher returns this year compared to previous periods. Read more: How to Buy Sanchayapatra in Bangladesh: A Beginner's Guide

The National Savings Scheme 2025 introduced notable changes across all savings certificates in Bangladesh that include the 3-month profit-bearing Sanchayapatra. It focuses on higher profit rates every 3 months for both maturity and early cash-out scenarios against various types of investments. On January 21, the National Savings Department's website disclosed details about tax deductions at source. This clarified the exact amount to be given on savings certificates at maturity or during early withdrawal. Let’s explore the new profit structure of the quarterly interest-bearing scheme.

As 2025 began, the National Savings Scheme introduced a revamped structure that substantially changed all savings certificates nationwide including the Paribar Sanchayapatra. These adjustments include an increase in both the investment limits and profit rates compared to previous years. On January 21, the National Savings Department updated its website with detailed information regarding the source tax applicable to these schemes. This update clarified the amounts payable to Sanchayapatra holders upon maturity and encashment. In this context, let’s go over the new profit structure of the widely favored Family Savings Certificate. Family Savings Certifi

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. Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate 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 Year-End Profit Rates for Investments per BDT One Lakh (In Percentage) Investment Amount (In BDT) Time Pensioner Scheme (5-year Term) Family Scheme (5-year Term) Bangladesh Saving Scheme (5-year Term) 3-month Profit-based Scheme (3-year Term) Postal Savings Bank Fixed Deposit (3-year Term) Up to 7.5 Lakh 1st Year 10.23 10.20 10.13 11.04 11.04 2nd Year 10.75 10.72 10.64 11.65 11.65 3rd Year 11.31 11.28 11.19 12.30 12.30 4th Year 11.91 11.87 11.78     5th Year 12.55 12.50 12.40     More Than 7.5 Lakh 1st Year 10.11 10.11 10.11 11 11 2nd Year 10.62 10.62 10.62 11.61 11.61 3rd Year 11.17 11.17 11.17 12.25 12.25 4th Year 11.75 11.75 11.75     5th Year 12.37 12.37 12.37     Read more: What to Consider Before Taking a Personal Loan from a Bangladeshi Bank 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. Read more: Buying US Dollar Investment Bonds: A Comprehensive Guide for NRBs 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. Read more: How to Invest in Bonds: A Comprehensive Guide 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. Read more: Top 10 Strongest Currencies in the World  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. Read more: How to Buy Bangladesh Government Treasury Bond: Everything You Need to Know

Submitting a return on income tax is a legal obligation for every TIN (Tax Identification Number) holder, regardless of taxability. Even individuals with no income or taxable earnings must file returns to inform the government of Bangladesh about their financial status. For those whose income falls within the tax-free limit, submitting this declaration incurs no tax liability. That’s where the return without payments comes in, submitted digitally, making the process easier than ever. Let’s explore how to submit zero income tax return online in Bangladesh seamlessly and effectively. What is a Zero Return? Filing a return without tax payment is commonly known as a “zero return”. It applies to cases where the declared income falls within the tax-free threshold. In such instances, exemptions, rebates, or advance tax payments may reduce the taxable amount to zero. Even when no tax is due, filing a return without tax payment is mandatory to declare income, expenses, assets, and liabilities, ensuring compliance and accurate record-keeping. Who is Eligible for Zero Return Filing? TIN-holding citizens whose annual income falls within the tax-free limit are eligible to file a zero return. The income thresholds per annum (in a fiscal year) are as follows: - Women and individuals aged 65 or above: Up to BDT 4,00,000- Third gender and persons with disabilities: Less than BDT 4,75,000- Gazetted war-wounded freedom fighters: Up to BDT 5,00,000- All other individuals: Not exceeding BDT 3,50,000. Read more: e-TIN: Online registration process in Bangladesh Online Method of Filing Zero-Income Tax Return General Method To begin the process, first log in to the National Board of Revenue (NBR) e-return platform (https://etaxnbr.gov.bd/#/auth/sign-in). Before proceeding, ensure all relevant documents related to income, expenditure, debts, and assets are prepared. This will not only ensure the accuracy of the information but also expedite the entire process. According to the traditional rules of digital services, zero returns can be filed either as a single-page or multiple-page return, depending on the level of detail required. In the case of a single-page return, all income, expenditure, and assets must be recorded briefly. This format does not automatically calculate values based on the provided information, so all details must be entered manually. In the case of taxable income, the specific tax amount must also be entered manually. Generally, the tax payable is determined based on total income, and tax rebates are deducted. When the tax payable for the return is zero, no further calculations are necessary, and the tax payable remains zero. For detailed returns, calculations are automatically determined according to the information provided. Read more: How to submit income tax returns online The first question on the form is crucial, as it determines whether taxable income exists. Based on the answer, relevant sections for providing additional details will either be enabled or disabled. If there is no income, select the tab ‘No’, which will deactivate all income heads. If the income amount is not taxable or subject to exemptions or rebates, a return without payments is applicable. In that case, select ‘Yes’. Other options on the Assessment page should be filled out in the same manner as for any return. After clicking the tab ‘Save and Continue’, an additional Information page will appear. If ‘No’ was selected for taxable income, the 'No' option will be automatically specified in the rebate section. As a result, several options for minimum tax calculation will not appear. Only shareholders of a company and IT10B categories will be listed. Appropriate information for each of these categories must be provided. For individuals with assets and debts, submitting IT10B is required. After completing this section, click the tab ‘Save and Continue’. The expense calculation page will then appear, along with additional tabs on the right side: Tax and Payment, and Return Review. If IT10B was kept active on the previous page, Assets and Liabilities will be listed as a new tab. After filling out the entire form, click ‘Proceed to Online Return’. Next, review the page, and select the tab ‘Submit Return’. Now, the process will be completed. Read more: How to Deactivate TIN in Bangladesh: A Comprehensive Guide How to Submit Zero Return in Sanchayapatra To begin the process, select the detailed return option. When asked whether there is taxable income, choose ‘Yes’. This will activate the ‘Income from Financial Assets’ option under ‘Heads of Income’, which should then be selected. Consequently, the rebate option will become active on the subsequent ‘Additional Information’ page. To claim the rebate, choose ‘Yes’ in this section. Additionally, the IT10B category should remain active. On the ‘Income’ page, other general tabs like ‘Expenditure’ and ‘Rebate’ will be visible. The main task on this page is to provide information related to the profit from the Sanchayapatra (savings certificate). On the ‘Tax Rebate’ page, select ‘Approved Savings Certificate’ under the Investment category and enter the savings certificate details. The rebate determined for the savings certificate investment will automatically display. The maximum rebate for savings certificates is BDT 500,000, even if the investment exceeds this amount. On the following page, the expense calculation will be displayed. Here, the Tax Deducted at Source (TDS) from the profit earned on the savings certificates should be entered. The total TDS must be placed in the ‘Payment of Tax at Source’ box. This amount includes the quantity that was earlier entered on the savings certificates under the ‘Income’ page. Read more: How to Buy Sanchayapatra in Bangladesh: A Beginner's Guide Since the IT10B category remains active, the ‘Assets and Liabilities’ section will appear as usual. In this section, the ‘Financial Assets’ option will be available, where the Sanchayapatra information must be entered again. Next, provide the source amount of funds used for purchasing all assets, including the savings certificates. To ensure accurate calculations, the amounts for ‘Fund Outflow’ and ‘Source of Funds’ should match. After completing this, click on the tab ‘Save and Continue’ to move to the ‘Tax and Payment’ page, where the final tax payable will be automatically calculated. To verify the tax deducted at source, answer ‘Yes’ to the question regarding whether tax has been paid at source during the current financial year. Then, by selecting ‘Yes’ for the ‘Tax Payment Update Status’ option, the ledger page will appear. From the left-hand menu, navigate to ‘Savings Certificate’ under ‘Claim Source Tax’. On this page, re-enter the Sanchayapatra details, including the TDS. After saving, this information will appear below in the at-a-glance TDS list. Next, go to ‘Tax Payment Status’ at the bottom of the left-hand menu, where the updated source tax status will be visible. Click on ‘Go to e-Return’ at the bottom right to return to the previous ‘Tax and Payment’ page. At this point, the final tax payable section will show as zero. After confirming that all information is correct, click on the tab ‘Proceed to Online Return’. The entire return will be displayed on the next page. Review all information again, then select ‘Submit Return’ to complete the process. Summing Up The process of submitting Zero Income Tax Return Online in Bangladesh begins with preparation – gathering the necessary documents makes the process flawless and faster. Every detail must be consistent to avoid errors. Tax rebates, exemptions, and advance tax payments must be updated to ensure the final payment is generated accurately. Since all TDS and rebates are stored in the user’s account, adjusting calculations with previous data becomes hassle-free. Read more: Sanchayapatra at Maturity: Encashment or Renewal of Bangladesh’s National Savings Certificate