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

 

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