Pensioner Sanchayapatra
Introduced: 2004
Denomination: Tk.50,000/- ,Tk.1,00,000/-, Tk.2,00,000/-,Tk.5,00,000/- & Tk.10,00,000/-.
Illegibility to purchase:
- Retired officials and employees of Govt. Semi Govt, Autonomous and Semi-Autonomous Bodies of civil and Armed forces.
- Under family penson, beneficiary (Husband/Wife/Children) of diseased/Retired Military and Civil employees of Govt. Semi Govt, Autonomous and Semi-Autonomous Bodies.
From where can be purchased: National Savings Bureaus, Branches of Bangladesh Bank & Schedule Banks and Post offices.
Duration: 5 years
Permissible limit: 50 lacs Earned from Gratuity and Provident Fund.
Rate of Profit: 11.81% (on maturity)
Time period |
Rate of profit |
On completion of 1st year |
8.00% |
On completion of 2nd year |
8.75% |
On completion of 3rd year |
9.50% |
On completion of 4th year |
10.25% |
On completion of 5th year (11.00+SSP 0.81)= |
11.81% |
After every three month profit may be drawn. Profit payable after three months as per denomination are given below
| Denomination |
Profit |
Tk. 50,000/- |
Tk. 1,476.25 |
Tk. 1,00,000/- |
Tk. 2,952.50 |
Tk.2,00,000/- |
Tk. 5,905.00 |
Tk.5,00,000/- |
Tk. 14,762.50 |
Other features:
- Nominee can be appointed.
- Duplicate sanchayapatra may be issued in case of missing Lost, Damaged, or Destroyed.
- Nominee can encash Sanchayapatra immediately or on maturity in case of death of the holder.
- 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 is applicable when necessary
- At the time of purchase it will be compulsory to show and entry the National Identity Card number/passport no./registration no. of birth certificate in the purchase form.
- Social Security Premium (SSP) will be payable after maturity
- Source tax will deduct without SSP
