Business Desk

The National Savings Scheme 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 returns under this quarterly interest-bearing savings option.

3-month Profit-bearing Savings Certificates’ Return Framework from July 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.

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.