The Bangladesh government has again reduced the profit rates on national savings certificates, effective from Thursday, January 1, 2026. The Internal Resources Division (IRD) announced the new rates, which will remain valid for the next six months. Under the revised structure, the maximum profit rate is set at 10.59 percent and the minimum at 8.74 percent. The previous adjustment took place in July 2025, as part of the government’s semiannual review process.
According to the new rates, the Family Savings Certificate now offers 10.54 percent profit for investments below Tk 7.5 lakh and 10.41 percent for higher amounts. Pensioner Savings Certificates will yield 10.59 percent and 10.41 percent respectively, while the five-year Bangladesh Savings Certificate will provide 10.44 percent and 10.41 percent. Quarterly profit-based certificates will offer 10.48 percent and 10.43 percent depending on investment size.
Savings certificates issued before July 1, 2025, will continue to earn the rates fixed at the time of issuance. However, reinvestments will follow the newly announced rates. The government will reassess and possibly revise the rates again after six months.
অর্থনৈতিক রিপোর্টার প্রকাশ : ০১ জানুয়ারি ২০২৬, ১৬: ২৭ অর্থনৈতিক রিপোর্টার ছয় মাসের ব্যবধানে আবারও সঞ্চয়পত্রের মুনাফার হার কমিয়েছে সরকার। আগামী ছয় মাসের জন্য জাতীয় সঞ্চয়পত্রের নতুন মুনাফার হার ঘোষণা করেছে অভ্যন্তরীণ সম্পদ বিভাগ (ইআরডি)। বৃহস্পতিবার (
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