Pensioner Sanchayapatra
Introduced: 2004
Denomination: Tk.50,000/-, Tk.1,00,000/-, Tk.2,00,000/-, Tk.5,00,000/- & Tk.10,00,000/-.
Eligibility to purchase: Retired officials of Government, Semi-government, Autonomous, Semi-autonomous bodies, Retired Honorable Judges of Supreme Court, retired officials of arm forces.
From where can be purchased: National Savings Bureaus, Branches of Bangladesh Bank & Schedule Banks and Post offices.
Duration: 5 years
Permissible limit: 50 lac earned from Gratuity and Provident Fund
Rate of Profit: 13.19% (on maturity)
Table-1: Rate of profit
Time period |
Rate of
profit * |
SSP** |
Total Rate |
Payable with profit
per Tk.100 |
On completion of 1st year |
9.20% |
0.00% |
9.20% |
109.20 |
On completion of 2nd year |
9.95% |
0.00% |
9.95% |
119.90 |
On completion of 3rd year |
10.70 % |
0.00% |
10.70% |
132.10 |
On completion of 4th year |
11.45% |
0.00% |
11.45% |
145.80 |
On completion of 5th year |
12.20% |
0.99% |
13.19% |
165.95 |
*Profit on which source tax deduction is applicable.
** SSP= Social Security Premium |
Table-2: Denomination-wise profit:
Investment
amount (Taka) |
3-monthly Profit amount (Taka) |
Amount of Profit* |
Amount of SSP** |
Amount of Total profit |
1 |
2 |
3 |
4 (2+3) |
50,000.00 |
1,525.00 |
123.75 |
1,648.75 |
1,00,000.00 |
3,050.00 |
247.50 |
3,297.50 |
2,00,000.00 |
6,100.00 |
495.00 |
6,595.00 |
5,00,000.00 |
15,250.00 |
1,237.50 |
16,487.50 |
10,00,000.00 |
30,500.00 |
2,475.00 |
32,975.00 |
*Profit on which source tax deduction is applicable;
**SSP= Social Security Premium
N.B: In case of premature encashment, profit will be paid by yearly basis and the excess paid amount will be adjusted from principal amount. |
Other features:
- After every three month profit may be drawn.
- Nominee can be appointed.
- Duplicate sanchayapatra may be issued in case of lost, damaged, destroyed.
- No profit is payable if it is encashed before one year. Excess profit drawn it will be adjusted from the principal amount.
- Sanchayapatra may be transferred from one issuing office to another of the similar type of institution.
- Source tax may be imposed by government.
- At the time of purchase it will be compulsory to show and entry the National Identity Card number/passport number/birth certificate number in the purchase form.
- Social Security Premium (SSP) will be applicable only for mature redemption
