Poribar sanchayapatra (Family Saving Certificate )
Re - Introduced: 2009
Denomination: Tk.10,000/-, Tk.20,000 , Tk.50,000/-, Tk.1,00,000/-, Tk.2,00,000/-, Tk.5,00,000/- & Tk.10,00,000/-;
From where purchased: National Savings Bureaus, Branches of Bangladesh Bank, Schedule Banks & Post Offices.
Duration: 5 Years
Rate of Profit: 13.45% (on maturity).
Table-1: Year-wise 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% |
1.25% |
13.45% |
167.25 |
*Profit on which source tax deduction is applicable.
** SSP= Social Security Premium |
Table-2: Denomination-wise profit:
Investment
amount (Taka) |
Monthly Profit amount (Taka) |
Amount of Profit* |
Amount of SSP** |
Amount of Total profit |
1 |
2 |
3 |
4 (2+3) |
10,000.00 |
101.67 |
10.42 |
112.08 |
20,000.00 |
203.33 |
20.83 |
224.17 |
50,000.00 |
508.33 |
52.08 |
560.42 |
1,00,000.00 |
1,016.67 |
104.17 |
1,120.83 |
2,00,000.00 |
2,033.33 |
208.33 |
2,241.67 |
5,00,000.00 |
5,083.33 |
520.83 |
5,604.17 |
10,00,000.00 |
10,166.67 |
1,041.67 |
11,208.33 |
*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:
- This savings certificate can be purchased only adult Bangladeshi female.
- The maximum limit is Tk.45 lac only
- Nominee can be appointed.
- Duplicate Sanchayapatra may be issued in case of theft, missing or damaged.
- In case of death of the holder Nominee can encash the Sanchayapatra at any time before maturity or on maturity as per his/her wish.
- No profit is payable if it is encashed before one year. If excess profit is drawn it will be adjusted from the principal amount.
- Sanchayapatra can be transferred from one issuing office to another of the similar type.
- 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 applicable only for mature redemption
