Sanchayapatra Calculator — সঞ্চয়পত্রের মুনাফা
Profit rates first, then monthly, quarterly or maturity profit after source tax for your amount. পরিবার, পেনশনার, তিন মাস অন্তর ও ৫-বছর মেয়াদি সঞ্চয়পত্র — প্রতি লাখে মাসিক মুনাফাLast updated: October 2026. Rates as shown by the National Savings Directorate on 8 October 2026.
Sanchayapatra profit rate 2026
| Scheme | Up to ৳7.5 lakh | Above ৳7.5 lakh | Paid |
|---|---|---|---|
| Paribar (পরিবার সঞ্চয়পত্র), 5 years | 11.93% | 11.80% | Monthly |
| Pensioner (পেনশনার), 5 years | 11.98% | 11.80% | Monthly |
| 3-monthly profit (তিন মাস অন্তর), 3 years | 11.82% | 11.77% | Quarterly |
| 5-year Bangladesh (বাংলাদেশ সঞ্চয়পত্র) | 11.83% | 11.80% | At maturity |
Check before you buy: the government re-sets these rates every six months. The figures are from the Internal Resources Division order effective 1 July 2025, which the National Savings Directorate still shows on its scheme sheets. Every rate in the calculator can be edited.
Sanchayapatra profit calculator
Profit rate by year (edit if the rate has changed)
If you encash early
| Encash | Rate | Profit due | You get back |
|---|
Early encashment pays the lower rate for the years completed. On monthly and quarterly schemes, profit already paid at the higher rate is taken back out of your principal, so “you get back” can be below what you invested.
How Sanchayapatra profit is calculated
Sanchayapatra pays simple profit, not compound. The yearly profit is your investment times the rate at maturity. Paribar and Pensioner Sanchayapatra pay one-twelfth of that every month. The 3-monthly scheme pays a quarter of it every three months. The 5-year Bangladesh Sanchayapatra pays everything at the end with the principal.
Example: ৳1,00,000 in Paribar Sanchayapatra at 11.93% earns ৳11,930 a year, ৳994.17 a month. After 10% source tax you receive ৳894.75 a month. Over five years that is ৳53,685 after tax, and you get the ৳1,00,000 back at maturity.
The ৳7.5 lakh tier
There are two rate columns. The higher one applies when your total Sanchayapatra, counting every scheme you hold plus the new purchase, is ৳7.5 lakh or less. Above ৳7.5 lakh the lower column applies. The order states that the cumulative investment across schemes decides the tier, which is why the calculator asks what you already hold.
Sanchayapatra rate by year
| Encashed after | Paribar | Pensioner | 5-year | 3-monthly |
|---|---|---|---|---|
| 1 year | 9.81 (9.72) | 9.84 (9.72) | 9.74 (9.72) | 10.65 (10.60) |
| 2 years | 10.29 (10.19) | 10.32 (10.19) | 10.21 (10.19) | 11.22 (11.16) |
| 3 years | 10.80 (10.70) | 10.84 (10.70) | 10.72 (10.70) | 11.82 (11.77) |
| 4 years | 11.35 (11.23) | 11.39 (11.23) | 11.26 (11.23) | — |
| 5 years | 11.93 (11.80) | 11.98 (11.80) | 11.83 (11.80) | — |
The rate printed for year 1, 2, 3 or 4 is what you earn per year if you encash after that many completed years. Holding to maturity earns the top rate for the whole period.
Who can buy and how much
The scheme sheets list these limits. 5-year Bangladesh and 3-monthly profit Sanchayapatra: ৳30 lakh in a single name or ৳60 lakh in joint names for an individual. Pensioner Sanchayapatra is for retired government, semi-government and autonomous-body employees, retired Supreme Court judges, retired armed forces members and family pensioners, up to ৳50 lakh from gratuity and provident fund money. Paribar Sanchayapatra has its own eligibility rules on the Directorate's sheet. Buy through the Directorate's bureaus, Bangladesh Bank, scheduled banks or post offices.
Sanchayapatra and income tax
Buying Sanchayapatra counts as permitted investment for the tax rebate, within its limit: see the income tax calculator. To compare with a bank, use the FDR calculator or the DPS calculator with your bank's rate.
Sources: Internal Resources Division order no. 08.00.0000.000.041.22.0006.20.85 of 30 June 2025 and the scheme sheets on nationalsavings.gov.bd, read on 8 October 2026.
Frequently Asked Questions
How much profit does 1 lakh taka in Sanchayapatra give per month?
In Paribar Sanchayapatra at 11.93%, ৳1,00,000 earns ৳994.17 a month before tax and ৳894.75 after 10% source tax. In Pensioner Sanchayapatra at 11.98% it is ৳998.33 before tax.
What is the Sanchayapatra interest rate in 2026?
At maturity, for total investment up to ৳7.5 lakh: Paribar 11.93%, Pensioner 11.98%, 3-monthly profit 11.82% and 5-year Bangladesh 11.83%. Above ৳7.5 lakh: 11.80%, 11.80%, 11.77% and 11.80%. The government reviews the rates every six months.
How is the ৳7.5 lakh limit counted?
By your cumulative investment across all national savings schemes, not per certificate. If what you already hold plus the new purchase is above ৳7.5 lakh, the lower rate column applies.
Is Sanchayapatra profit simple or compound?
Simple. The profit is the investment times the yearly rate, paid monthly, quarterly or at maturity depending on the scheme. It is not added back to earn further profit.
What happens if I encash Sanchayapatra before maturity?
You earn the lower rate for the years completed. On schemes that pay monthly or quarterly, profit already paid above that rate is deducted from the principal you get back.
How much tax is cut from Sanchayapatra profit?
Tax is deducted at source under section 105 of the Income Tax Act 2023. The Pensioner Sanchayapatra sheet states no deduction up to ৳5 lakh of total investment and 10% above that. Check the rate on your profit advice and enter it in the calculator.
What is the maximum I can invest in Sanchayapatra?
For the 5-year Bangladesh and 3-monthly profit schemes an individual can hold ৳30 lakh in a single name or ৳60 lakh jointly. Pensioner Sanchayapatra allows up to ৳50 lakh from gratuity and provident fund money.