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 Financial Services >> Saving Certificate
1.
Savings Certificate is a savings mobilization Scheme of the Government .
2.
At present the following savings certificates are sold & encashed from the post office.
 

5 -Year Bangladesh sanchayapartra.>( Limit, interest Rate)
Tin mash ontor munafa vittik sanchayapartra .>Limt, Interest rate, interest in each 3 months interval)
Pensioner sanchayapartra.>( Limit, conditions, interest rate, interest in each 3 months interval)

 
5-Years term Bangladesh Savings Certificate Interest
         Period (on completaion of )
5-Year Bangladesh Sanchayapatra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.20%
0.00%
9.20%
At the end of 2nd Year ( if the purchaser encash before maturity)
9.95%
0.00%
9.95%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.70%
0.00%
10.70%
At the end of 4th Year ( if the purchaser encash before maturity)
11.45%
0.00%
11.45%
At the end of 5th Year
12.20%
0.99%
13.19%
 

  Tk. 30,00,000/ can be purchased in one name
  Tk. 60,00,000/- can be purchased in joint name
  Can be nominated to one or more persons.

 
Tin mash ontor munafa vittik sanchayapartra
         Period (on completaion of )
Tin Mash Antar Munafa Vittik Sanchayapatra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.80%
0.00%
9.80%
At the end of 2nd Year( if the purchaser encash before maturity)
10.80%
0.00%
10.80%
At the end of 3rd Year
11.80%
0.79%
12.59%
 

  Tk. 30,00,000/ can be purchased in one name
  Tk. 60,00,000/- can be purchased in joint name
  Minimum have to purchase Tk. 1,00,000/-
  Can be nominated to one or more persons.
  Profit can be drawn after every 3 months.Tk. 3147.50/- is paid as profit for Tk.1,00,000/-
  5% source tax will be deducted from profit.

 
Pensioner sanchayapartra
  A purchaser must be a retired person from any Govt, semi-govt autonomous body.
  • A retired person should have a minimum 20 years length of service
  • Any retired person who reached at the age of 55 years.
  • Under family pension scheme husband/ wife/ children of the deceased employee can     purchase. No age bar is applicable for them.
  • A purchaser has to furnish copy of 1) pension book, 2) sanctioned memo of gratuity,    3)sanctioned memo of Provident fund at the time of purchase.
  •  
             Period (on completaion of )
    Pensioner sanchayapartra
    Rate of Profit (%)
    Rate of SSP (%)
    Total Rate (%)
    At the end of 1st Year ( if the purchaser encash before maturity)
    9.20%
    0.00%
    9.20%
    At the end of 2nd Year ( if the purchaser encash before maturity)
    9.95%
    0.00%
    9.95%
    At the end of 3rd Year ( if the purchaser encash before maturity)
    10.70%
    0.00%
    10.70%
    At the end of 4th Year ( if the purchaser encash before maturity)
    11.45%
    0.00%
    11.45%
    At the end of 5th Year
    12.20%
    0.99%
    13.19%

      Adding together pension, gratuity and provident fund a retired person can purchase upto    Tk 30,00,000/- but not more than the amount drawn.
      Minimum have to purchase Tk. 50,000/-
      Can be nominated to one or more persons.
      Profit can be drawn after every 3 months.Tk.3297.50/- is paid as profit for Tk.1,00,000/-
      5% source tax will be deducted from profit. Source tax will not be deducted from pensioner
    Sanchayapatra purchased before 30/06/2011

     
    Paribar sanchayapartra
      An adult female purchaser can purchase upto Tk. 45,00,000/-
  • Minimum to purchase Tk. 10,000/-
  • Can be nominated to one or more persons.
  • Profit can be drawn after every 3 months.Tk.1120.83/- is paid as profit for Tk.1,00,000/-
  • 5% source tax will be deducted from profit. Source tax will not be deducted from Paribar
    Sanchayapatra purchased before 30/06/2011
  •          Period (on completaion of )
    Pensioner sanchayapartra
    Rate of Profit (%)
    Rate of SSP (%)
    Total Rate (%)
    At the end of 1st Year ( if the purchaser encash before maturity)
    9.20%
    0.00%
    9.20%
    At the end of 2nd Year ( if the purchaser encash before maturity)
    9.95%
    0.00%
    9.95%
    At the end of 3rd Year ( if the purchaser encash before maturity)
    10.70%
    0.00%
    10.70%
    At the end of 4th Year ( if the purchaser encash before maturity)
    11.45%
    0.00%
    11.45%
    At the end of 5th Year
    12.20%
    1.25%
    13.45%
     
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