Savings 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)
9.35%
0.00%
9.35%
At the end of 2nd Year ( if the purchaser encash before maturity)
9.80%
0.00%
9.80%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.25%
0.00%
10.25%
At the end of 4th Year ( if the purchaser encash before maturity)
10.75%
0.00%
10.75%
At the end of 5th Year
11.28%
0.99%
11.28%
 

  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)
10.00%
0.00%
10.00%
At the end of 2nd Year( if the purchaser encash before maturity)
10.50%
0.00%
10.50%
At the end of 3rd Year
11.04%
0.79%
11.83%
 

  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. 2760.00/- 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)
9.70%
0.00%
9.70%
At the end of 2nd Year ( if the purchaser encash before maturity)
10.15%
0.00%
10.15%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.65%
0.00%
10.65%
At the end of 4th Year ( if the purchaser encash before maturity)
11.20%
0.00%
11.20%
At the end of 5th Year
11.76%
0.99%
12.75%

  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)
9.50%
0.00%
9.50%
At the end of 2nd Year ( if the purchaser encash before maturity)
10.00%
0.00%
10.00%
At the end of 3rd Year ( if the purchaser encash before maturity)
11.00%
0.00%
11.00%
At the end of 4th Year ( if the purchaser encash before maturity)
11.45%
0.00%
11.45%
At the end of 5th Year
11.52%
1.25%
12.77%