Key features of the existing National Savings Schemes.

Key Features of NSS-2012

Sl.
No

Name of
Schemes

Maturity

Limit

Interest rate

Tax
Treatment

Investors

Penalty

Implementing
agency

1

2

3

4

5

6

7

8

9

1.

5 years 
Bangladesh 
Sanchayapatra

5-Year

Single: 30 lac;
Jointly: 60 lac;
Recognized Provident 
Fund: Unlimited;
12 small enterprises:
Unlimited

13.19% on Maturity
(12.20%+0.99%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit

All classes 
of people (National ID Card Holder),
recognized 
Provident Fund &
12 small enterprises

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

2.

3-Monthly
Profit basis Sanchayapatra

3-year

Single: 30 lac;

Jointly: 60 lac;

12.59% on Maturity
(11.80%+0.59%)
Interest payable after
1st year @ 9.80%,
2nd year @ 10.80%,

5%
on profit

All classes 
of people (National ID Card Holder).

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

3.

Pensioner
Sanchayapatra

5-Year

50 lac

13.19% on Maturity
(12.20%+0.99%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit

Retired Govt., Semi-Govt, Autonomous, Semi-Autonomous officials.

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

4.

Poribar
Sanchayapatra

5-Year

45 lac

13.45% on Maturity
(12.20%+1.25%)
Interest payable after
1st year @ 9.20%,
2nd year @ 9.95%,
3rd year @ 10.70%,
4th year @ 11.45%.

5%
on profit.

Any Adult Bangladeshi
Female

(National ID Card Holder)

Encashment
before 1st year 
no interest
accrued

Bank, Bureau &
Post office.

5.

Bangladesh 
Prize Bond

3-Month

Unlimited

6.50%

20% on 
prize money

Any persons

-

Bank, Bureau &
Post office.

6.

Wage Earner 
Development Bond

5-Year

Unlimited

11.80% (Compound)
(11.00%+0.80%)

5%
on profit

A Bangladeshi wage earner serving abroad.

No profit will be paid before 6-month.

Bank

7.

US Dollar 
Premium Bond

3-Year

Unlimited

7.50% on Maturity
Interest payable after
1st year @ 6.50%,
2nd year @ 7.00%

Tax free

Non-Residence Bangladeshi FC Account holder

No profit is payable before 1 year

Bank

8.

US Dollar 
Investment 
Bond

3-Year

Unlimited

6.50% on Maturity
Interest payable after
1st year @ 5.50%,
2nd year @ 6.00%

Tax free

Non-Residence Bangladeshi FC Account holder

No profit is payable before 1 year

Bank

9.

Post office Savings Bank-
Ordinary A/C

-

Single 30 lac;

Jointly 60 lac

7.50%

10% on profit

All classes 
of people
(National ID Card Holder)

No profit will be paid before 1-month.

Post Office

10.

Post office Savings Bank-
Fixed Deposit

3-Year

Single 30 lac;

Jointly 60 lac

13.24% on Maturity
(12.40%+0.84%)
Interest payable after
1st year @ 10.40%,
2nd year @ 11.40%

10% on profit

All classes 
of people

(National ID Card Holder)

No profit will be paid before 6-month.

Post Office

11.

Postal Life Insurance:

Tax free

All classes
of people

(Age limit 19 to 55 Yrs)

-

Post Office

(I) Whole Life
Insurance

Minimum limit of 
Investment Tk. 1,000/=

Tk.42 per Thousand.
Yearly 4.2%

(II) Fixed Term
Insurance

5/10/15/20/
25/30/35/40

Minimum limit of 
Investment Tk. 1,000/=

Tk.33 per Thousand.
Yearly 3.3%