Monday 13 February 2017

Sanchayapatra interest rate details with key features

1.       Name of Schemes: 5 years Bangladesh Sanchayapatra
Maturity: 5-Year
Limit: Single: 30 lac; Jointly: 60 lac; Recognized Provident Fund: Unlimited; 12 small enterprises: Unlimited
Interest Payable13.19% 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%
Tax Treatment: 5% on profit
Investors: All classes of people (National ID Card Holder), Recognized Provident Fund &12 small enterprises
Penalty: Encashment before 1st year no interest accrued
Implementing agency: Bank, Bureau & Post office.


2.         Name of Schemes: 3-Monthly Profit basis Sanchayapatra
Maturity: 3-Year
Limit: Single: 30 lac; Jointly: 60 lac;
Interest Payable12.59% on Maturity (11.80%+0.59%)
                          Interest payable after:  1st year @ 9.80%
2nd year @ 10.80%
Tax Treatment: 5% on profit
Investors: All classes of people (National ID Card Holder). 
Penalty: Encashment before 1st year no interest accrued
Implementing agency: Bank, Bureau & Post office.

3.   Name of Schemes: Pensioner Sanchayapatra
Maturity: 5-Year
Limit: Single: 50 lac;
Interest Payable13.19% 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%.
Tax Treatment: 5% on profit
Investors: Retired Govt., Semi-Govt, Autonomous, Semi-Autonomous officials.
Penalty: Encashment before 1st year no interest accrued
Implementing agency: Bank, Bureau & Post office.

4.   Name of Schemes: Poribar Sanchayapatra
Maturity: 5-Year
Limit: Single: 45 lac;
Interest Payable13.45% 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%
                       

Tax Treatment: 5% on profit
Investors: Any Adult Bangladeshi Female (NID Holder)
Penalty: Encashment before 1st year no interest accrued
Implementing agency: Bank, Bureau & Post office.

5.   Name of Schemes: Bangladesh Prize Bond
Maturity3-Month
Limit: Unlimited
Interest Payable6.50%                     
Tax Treatment: 20% on prize money
Investors: Any persons
Penalty: N/A
Implementing agency: Bank, Bureau & Post office.

6.   Name of Schemes: Wage Earner Development Bond 
Maturity5-Year
Limit: Unlimited
Interest Payable11.80% (Compound)(11.00%+0.80%)
Tax Treatment: 5% on Profit
Investors: A Bangladeshi wage earner serving abroad.
Penalty: No profit will be paid before 6-month.
Implementing agency: Bank

7.   Name of Schemes: US Dollar Premium Bond
Maturity3-Year
Limit: Unlimited
Interest Payable7.50% on Maturity
Interest payable after:   1st year @ 6.50%
                                                2nd year @ 7.00%
Tax Treatment: Tax free
Investors: Non-Residence Bangladeshi FC Account holder
Penalty: No profit is payable before 1 year.
Implementing agency: Bank

8.   Name of Schemes: US Dollar  Investment  Bond
Maturity3-Year
Limit: Unlimited
Interest Payable6.50% on Maturity
Interest payable after:   1st year @ 5.50%
2nd year @ 6.00%
Tax Treatment: Tax free
Investors: Non-Residence Bangladeshi FC Account holder
Penalty: No profit is payable before 1 year.
Implementing agency: Bank

9.   Name of Schemes: Post office Savings Bank-Ordinary A/C
Maturity3-Year
Limit: Single 30 lac; Jointly 60 lac

Interest Payable7.50%
Tax Treatment: 10% on profit
Investors: All classes of people(National ID Card Holder)
Penalty: No profit will be paid before 1-month
Implementing agency: Post Office

10.     Name of Schemes: Post office Savings Bank-Fixed Deposit
Maturity3-Year
Limit: Single 30 lac; Jointly 60 lac
Interest Payable13.24% on Maturity(12.40%+0.84%)
            Interest payable after: 1st year @ 10.40%
          2nd year @ 11.40%

Tax Treatment: 10% on profit
Investors: All classes of people (National ID Card Holder)
Penalty: No profit will be paid before 6-month
Implementing agency: Post Office

11.     Name of Schemes: Postal Life Insurance:
a)       Whole Life Insurance: Minimum limit of Investment Tk. 1,000/= 
        Interest Rate: Tk.42 per Thousand @ Yearly 4.2%
        Tax free
        All classes of people (Age limit 19 to 55 Yrs)
        Post Office

b)      Fixed Term Insurance: Minimum limit of Investment Tk. 1,000/= 
        Interest Rate: Tk.33 per Thousand.@ Yearly 3.3%
        Tax free
        All classes of people (Age limit 19 to 55 Yrs)
        Post Office

47 comments:

Unknown said...

What's monthly return BDT per month for Poribar Shonchoy Potro at 100,000?

Unknown said...

912TK/month/lac

Dominic said...

২ লাখে ৫ বছর মেয়াদি সঞ্চয়পত্রে মাসে কত পাবো?

সুনাগরিক said...

পাঁচ বৎসর মেয়াদি সঞ্চয় পত্রে মুনাফার উপর উৎসে ৫% কর কর্তন করা হয়। এর বাইরে অর্জিত মুনাফার উপর আয়কর প্রযোজ্য হবে কিনা?

Bangla Songbad said...

912TK/month/lac, 1824 / month / 2 lac, thanks to dr. Nasir

Unknown said...

what is the minimum amount of Poriber sanchay scheme for monthly basis?

Unknown said...

Where do I get myself a form and how do I apply for a poribar shanchaypatra?

Unknown said...

100000 lac tk ata ki ase

Unknown said...

is 912 TAKA after deducting tex

Unknown said...

৫ বছর মেয়াদী পারিবপারি সঞ্চয় পত্রে কর কাটাকাটি করে কত টাকা পাওয়া যাবে?

Mahfujor said...

আমাদের মত মধ্যবিত্ত পরিবারের জন্য সঞ্চয়পত্র খুবই উপকারী,

Niceheart said...

Sarah, You can download the form http://www.nationalsavings.gov.bd/site/page/bc81fd00-a968-41d4-9aef-ff5758823d91/-Sanchyapatra-Purchase-Form
It is a good investment scheme, I opened it for my mother 4 year ago. You can open it almost all banks in Bangladesh.I have dual citizenship and live abroad but have updated info where in BD you can get secured investment with good return. If you need any suggestion feel free to email me becool_29@yahoo.com Good luck!

rashed_0175 said...

Post office sara Kon Bank a sanchay patra kina jai, Please advice.

Unknown said...

Eto kom

Unknown said...

You may buy it from Bangladesh bank. Through BEFTN you will get interest in your bank account every month.

Unknown said...

If possible, write in details. --Monir.

Unknown said...

I bought a paribar sanchaypatra from uttara post office.now I am living out of dhaka.can I transfer my account from one post office to another post office?

Unknown said...

Could you please tell me, how can I transfer my account from uttara post office to another post office. thanks

Unknown said...

Helpful info's to a new one.

Mashud Perveg said...

Can any body suggest ,For joint account, How interest can be transferred as BEFTN and For joint account who can be the nominee.

Unknown said...

Pls tell me its procedure system.

Unknown said...

পেনশনার সঞ্চয়পত্র ১০০০০০০/০০ টাকায় মাসে কত টাকা পাওয়া যাবে

Unknown said...

6 Lac Taka monthly koto pabo tex bad diya

Unknown said...

আমি পারিবারিক সঞ্চয়পত্র 5 লাক টাকার ক্রয় করেছি বাংলাদেশ ব্যাংক থেকে কিন্ত এর ডুকুমেন্ট দরকার

Unknown said...

আমার নাম মাকসুদা খানম

Unknown said...

23.01.2019 এটা ক্রয় করেছি

Mohammad Sujon said...

Ami confuse about profit on tin mash ontor sanchaypotro. It says after 3 years completed interest will be 12.59%. So 1 lac a koto pabo after 3 years with interest plus asol TK. Please show me the calculation. Thanks.

Ahsanraj said...

Amr poribar sonchoypotro ace. Amr scheme ta dhaka sonali bank theke kina. Ami ki chaile onno kono sonali bank branch a transfer korte parbo?

Unknown said...

Sanchaypatra nogodayon korte hole ki ki documents laage???Pl..

Unknown said...

My name is Md. Nawshad Alam.

Unknown said...

Ami gto mash 7 tariq paribarik sonchoipotro krse sonali bank e 1st mash er tk ai mash er 8 tariq pawar kotha ekhon o ashe ni ...onk e bltese 1st tk aste deri hoi ki korbo pls help?

Unknown said...

2622*36+100000

Imam hossain rony said...

How much amount i can get 30 lac after purchasing 5 years scheme and MIS scheme in every 3month

Unknown said...

Naw Source tax 10%, so present rate of sanchayapatra

Unknown said...

Poriber chancojpottro tax on profit treatment koto ?

Unknown said...

আমাদের পারিবারিক সঞ্চয় পত্রে মুনাফার নতুন নিয়মে মাসে কত টাকা পাব ১০০০০০৳ টাকায়। সঞ্চয় পএ করা ২০১৮ সালে

Unknown said...

২০১৬ সালে পেনশনার সঞ্চয়পত্র কেনা,আমাদের কেন ১০% ভ্যাট কাটা হবে।আইনত ২০১৯ এর জুলাই থেকে যারা কিনবেন তাদের ক্ষেত্রে প্রযোজ্য হতে োরে।এ ব্যপারে মাননীয় অর্থ মন্ত্রী মহোদয়ের সুদৃষ্টি কামনা করছি।

Unknown said...

ধানমন্ডি বা আশেপাশের এলাকাই সঞ্চয় বুরো অফিস আছে কি না জানালে বাধিত হব।

Anonymous said...

i bought 5year scheme of 200000lac tk i will get every month interest in my bank?

Unknown said...

Paribarik sonchoypotro er profit ki online e transfer hobe naki bank e jeye nie aste hobe ? Can anyone tell?

Unknown said...

To whome address for Pay order/ bank cheque to do sanchayepotro in post office?

Unknown said...

What amount to get after there month from six lac pensioner sanchayapatra under rule 2019.

Unknown said...

500,000/-(PORIBAR) AND 200,000/- (GENERAL) SANCHAY PATRO TE AKBOTSORE TOTAL MUNAFA KOTO ASBE ? AFTER DEDUCTING TAX . AMI 200,000/- TULE ABAR NOTUN KORE 500000/- KORE RAKHBO . ATE 200000/- AR PROFIT CHANGE HOBE ? PLZ EKTU JANABEN.

TNX IN ADVANCE

Unknown said...

আমার টাকার sms আসছে ১৬.২.২০২০ কিন্তু টাকা এ এখনো আমার হিসাবে আসেনি এখন কি করবো

Unknown said...

আমার টাকার sms আসছে ১৬.২.২০২০ কিন্তু টাকা এ ১৯.২.২০২০ এখনো আমার হিসাবে আসেনি এখন কি করবো

Unknown said...

আমার পেনশার সঞ্চয়পত্রের মুনাফা ১৯ মার্চ ২০২০ তারিখে আসার কথা, কিন্তু আজবধি sms আসেনি। ব্যাংকেও ক্রেডিট হয়নি। কারুন জানতে পারি কি?

Unknown said...

5 বছরের সঞ্চয়পত্রের 13.19% interest rate a 1 lac taka per month koto dai