Savings certificate (sanchayapatra) profit calculator
Enter the amount and the profit rate for each year to see your profit after tax and the total you receive over the term. Rates are editable because the government revises them.
Using 5%. Confirm the current rule with the NBR.
Profit rate for each year (% per year)
Total you receive
৳7,68,708
Net yield about 10.75% a year
Net profit
৳2,68,708
Tax deducted
৳14,143
| Year | Rate | Gross profit | Tax | Net profit |
|---|---|---|---|---|
| 1 | 10.20% | ৳51,000 | ৳2,550 | ৳48,450 |
| 2 | 10.72% | ৳53,600 | ৳2,680 | ৳50,920 |
| 3 | 11.28% | ৳56,400 | ৳2,820 | ৳53,580 |
| 4 | 11.87% | ৳59,350 | ৳2,968 | ৳56,383 |
| 5 | 12.50% | ৳62,500 | ৳3,125 | ৳59,375 |
Profit rates and the source tax rules for savings certificates are set by the government and are revised from time to time. The family certificate presets come from rates published by the National Savings Department as reported in early 2025 and may be out of date, so edit the yearly rates to the current published figures. This is an estimate for information only.
How savings certificate profit works
A savings certificate (sanchayapatra) is a government savings product. You invest a lump sum, receive profit during the term, usually in instalments every three months, and get your original amount back at maturity. Because the profit is paid out rather than added to the balance, it does not compound.
The calculation
Yearly profit = amount × that year's rate. Source tax is then deducted from the profit, so net profit = profit × (1 − tax rate). Add up the net profit for every year and add your original amount back to get the total you receive.
Worked example
Invest ৳5,00,000 in a five-year family certificate at 10.20%, 10.72%, 11.28%, 11.87% and 12.50%. Gross profit over five years is ৳2,82,850. At 5% source tax the tax is ৳14,142.50, leaving ৳2,68,707.50 of net profit, so you receive ৳7,68,707.50 in total, a net yield of about 10.75% a year.
Compare before you invest
- Compare the net yield after tax with bank FDR rates on our FDR rate comparison page.
- Check the investment limits and the rules for early encashment.
- Use the FDR and DPS calculator to see what a bank deposit would return over the same term.
Frequently asked questions
How is sanchayapatra profit calculated?
Profit is paid on the amount you invested, at the rate for that year, usually in instalments every three months. It is not compounded. For a Tk 5,00,000 certificate at 10.20%, the first year's gross profit is Tk 51,000 before tax.
How much tax is deducted from sanchayapatra profit?
Tax is deducted at source from each profit payment. As reported in February 2026, the rate is 5% for individuals whose total savings certificate investment is up to Tk 5 lakh and 10% above that, with 0% for pensioner certificate holders investing up to Tk 5 lakh. Rules can change, so confirm with the National Savings Department or the NBR.
Why do the yearly rates rise on a family savings certificate?
The family savings certificate (Paribar Sanchayapatra) uses a step-up structure where the profit rate increases each year of the five-year term. Enter the rate for each year below to match the certificate you hold or plan to buy.
Are the rates in this calculator current?
The presets come from the family certificate rates published by the National Savings Department as reported in early 2025. The government revises these rates from time to time, so check the latest rates and edit the yearly rate boxes to match before you rely on the result.
What do I get back at maturity?
Your original investment is returned at maturity. The profit you received along the way, after tax, is in addition. The calculator adds them to show the total you receive over the term.
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