Sanchayapatra Services

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Sanchayapatra Services

In Bangladesh, Sanchayapatra (also known as savings certificates; savings instruments) are widely regarded as risk-free investments. It’s a kind of savings mobilization scheme of the Government of the People’s Republic of Bangladesh. Recently Department of National Savings and Bangladesh Bank jointly automate the Sanchayapatra Purchase & Encashment.

Any Bangladeshi citizen can buy the appropriate Sanchayapatra conforming to the rules and regulations imposed by the Government. To purchase Sanchayapatra from IFIC Bank you will require to have an IFIC account. 

Please visit the websites of Department of National Savings or Bangladesh Bank to know more about Sanchayapatra, plans, eligibility and other criteria.

Sanchayapatra types:

  • 5 Years & 3 Monthly Interest bearing Sanchayapatra
  • Pensioner Sanchayapatra
  • Certificate for gratuity and pension fund
  • Poribar Sanchayapatra
  • EFT Mandate Form

Key features of the existing National Savings Schemes.

Key Features of NSS-2012

Sl.
No

Name of
Schemes

Maturity

Limit

Interest rate

Tax
Treatment

Investors

Penalty

Implementing
agency

1

2

3

4

5

6

7

8

9

1.

5 years 
Bangladesh 
Sanchayapatra

 

5-Year

 

Single: 30 lac;
Jointly: 60 lac;
Recognized Provident 
Fund: Unlimited;
12 small enterprises:
Unlimited

13.19% on Maturity
(12.20%+0.99%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit

All classes 
of people (National ID Card Holder),
recognized 
Provident Fund &
12 small enterprises

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

2.

3-Monthly
Profit basis Sanchayapatra

 

3-year

 

Single: 30 lac;

Jointly: 60 lac;

12.59% on Maturity
(11.80%+0.59%)
Interest payable after
1st year @ 9.80%,
2nd year @ 10.80%,

5%
on profit

All classes 
of people (National ID Card Holder).

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

3.

Pensioner
Sanchayapatra

 

5-Year

 

50 lac

13.19% on Maturity
(12.20%+0.99%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit

Retired Govt., Semi-Govt, Autonomous, Semi-Autonomous officials.

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

4.

Poribar
Sanchayapatra

 

5-Year

 

45 lac

13.45% on Maturity
(12.20%+1.25%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit.

Any Adult Bangladeshi
Female

(National ID Card Holder)

                 

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.