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How it works
You buy a certificate for a given amount. The government pays profit at fixed intervals until maturity and repays the principal at the end of the term. Because the debt is the government’s, the certificate is unaffected even if a bank fails.
Profit rates come in two tiers: one rate on holdings up to Tk 750,000 and a slightly lower rate above that. Rates are reviewed every six months against the yields on 2-year and 5-year treasury bonds.
The four main schemes
- 5-Year Bangladesh Sanchayapatra
- For holding over the long term.
- 3-Monthly Profit-Bearing Sanchayapatra
- Profit is paid every three months.
- Paribar (Family) Sanchayapatra
- For specific categories of buyers; check the eligibility rules.
- Pensioner Sanchayapatra
- For retired government employees.
Why people choose it
- Repayment is the government’s obligation.
- The profit rate is usually higher than the average bank deposit rate, which stood at 6.16% in June 2026.
- The rate on the day of purchase applies for the full term.
Points to weigh
- Each scheme has a purchase ceiling.
- Encashing before maturity reduces the profit.
- The rate for new purchases can change every six months.
- From fiscal year 2026–27, tax deducted at source is no longer a final settlement (see below).
What has changed
Tax deducted at source is now advance income tax
Under the Finance Act 2026, tax deducted from sanchayapatra profit is no longer a final tax. The profit is added to your total income and taxed at your applicable rate. If your income is below the tax-free threshold, you must file a return to claim a refund of the tax deducted.
Source: Income Tax Act 2023, section 163 (as amended); Dhaka Tribune, July 2026
Check before you buy
- Can I do without this money until maturity?
- Have I checked the purchase ceiling and eligibility for the scheme I am buying?
- Have I checked the latest rules on the purchase amount above which a TIN (Taxpayer Identification Number) or proof of return filing is required?
- Is a nominee properly recorded?