সঞ্চয়পত্রের বিস্তারিত তথ্য

 

1.       Name of Schemes: 5 years Bangladesh Sanchayapatra

Maturity: 5-Year

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

Interest Payable: 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%

Tax Treatment: 5% on profit

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

Penalty: Encashment before 1st year no interest accrued

Implementing agency: Bank, Bureau & Post office.

2.         Name of Schemes: 3-Monthly Profit basis Sanchayapatra

Maturity: 3-Year

Limit: Single: 30 lac; Jointly: 60 lac;

Interest Payable: 12.59% on Maturity (11.80%+0.59%)

                          Interest payable after:  1st year @ 9.80%

2nd year @ 10.80%

Tax Treatment: 5% on profit

Investors: All classes of people (National ID Card Holder). 

Penalty: Encashment before 1st year no interest accrued

Implementing agency: Bank, Bureau & Post office.

3.   Name of Schemes: Pensioner Sanchayapatra

Maturity: 5-Year

Limit: Single: 50 lac;

Interest Payable: 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%.

Tax Treatment: 5% on profit

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

Penalty: Encashment before 1st year no interest accrued

Implementing agency: Bank, Bureau & Post office.

4.   Name of Schemes: Poribar Sanchayapatra

Maturity: 5-Year

Limit: Single: 45 lac;

Interest Payable: 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%

                       

Tax Treatment: 5% on profit

Investors: Any Adult Bangladeshi Female (NID Holder)

Penalty: Encashment before 1st year no interest accrued

Implementing agency: Bank, Bureau & Post office.

5.   Name of Schemes: Bangladesh Prize Bond

Maturity: 3-Month

Limit: Unlimited

Interest Payable: 6.50%                     

Tax Treatment: 20% on prize money

Investors: Any persons

Penalty: N/A

Implementing agency: Bank, Bureau & Post office.

6.   Name of Schemes: Wage Earner Development Bond 

Maturity: 5-Year

Limit: Unlimited

Interest Payable: 11.80% (Compound)(11.00%+0.80%)

Tax Treatment: 5% on Profit

Investors: A Bangladeshi wage earner serving abroad.

Penalty: No profit will be paid before 6-month.

Implementing agency: Bank

7.   Name of Schemes: US Dollar Premium Bond

Maturity: 3-Year

Limit: Unlimited

Interest Payable: 7.50% on Maturity

Interest payable after:   1st year @ 6.50%

                                                2nd year @ 7.00%

Tax Treatment: Tax free

Investors: Non-Residence Bangladeshi FC Account holder

Penalty: No profit is payable before 1 year.

Implementing agency: Bank

8.   Name of Schemes: US Dollar  Investment  Bond

Maturity: 3-Year

Limit: Unlimited

Interest Payable: 6.50% on Maturity

Interest payable after:   1st year @ 5.50%

2nd year @ 6.00%

Tax Treatment: Tax free

Investors: Non-Residence Bangladeshi FC Account holder

Penalty: No profit is payable before 1 year.

Implementing agency: Bank

9.   Name of Schemes: Post office Savings Bank-Ordinary A/C

Maturity: 3-Year

Limit: Single 30 lac; Jointly 60 lac

Interest Payable: 7.50%

Tax Treatment: 10% on profit

Investors: All classes of people(National ID Card Holder)

Penalty: No profit will be paid before 1-month

Implementing agency: Post Office

10.     Name of Schemes: Post office Savings Bank-Fixed Deposit

Maturity: 3-Year

Limit: Single 30 lac; Jointly 60 lac

Interest Payable: 13.24% on Maturity(12.40%+0.84%)

            Interest payable after: 1st year @ 10.40%

          2nd year @ 11.40%

Tax Treatment: 10% on profit

Investors: All classes of people (National ID Card Holder)

Penalty: No profit will be paid before 6-month

Implementing agency: Post Office

11.     Name of Schemes: Postal Life Insurance:

a)       Whole Life Insurance: Minimum limit of Investment Tk. 1,000/= 

        Interest Rate: Tk.42 per Thousand @ Yearly 4.2%

        Tax free

        All classes of people (Age limit 19 to 55 Yrs)

        Post Office

b)      Fixed Term Insurance: Minimum limit of Investment Tk. 1,000/= 

        Interest Rate: Tk.33 per Thousand.@ Yearly 3.3%

        Tax free

        All classes of people (Age limit 19 to 55 Yrs)

        Post Office