🛡️ Shanchaypatra (National Savings Certificates)
Explore government-backed fixed-income saving schemes tailored for citizens, pensioners, and non-resident Bangladeshis (NRBs).
📊 Scheme Rate Summary
| Scheme Name | Tenure | Yield (Up to 15 Lakh) | Target Demographic | Risk Profile |
|---|---|---|---|---|
| Pensioner | 5 | 11.80% | ||
| Paribar | 5 | 11.80% | ||
| 5-Year | 5 | 11.80% | ||
| 3-Monthly Profit-Based | 3 | 11.77% | ||
| Post Office Fixed Deposits | 3 | 11.77% |
- Rates are sourced from the Directorate of National Savings under the Ministry of Finance.
- Returns are subject to a tiered structure: rates decrease for investments exceeding BDT 15 Lakh and BDT 30 Lakh.
- Source tax (TDS) is automatically deducted from profits depending on TIN submission and aggregate investment amount.
- Onucrom is a listing and discovery platform; we do not trade, execute purchases, or hold investor funds directly.
📚 Investor Education: Shanchaypatra
Tiered Profit Rates
The government recently implemented a slab-based interest system. For example, your first 15 Lakh earns the highest interest bracket, 15-30 Lakh earns slightly less, and anything above 30 Lakh earns the lowest bracket rate.
Required Documents
- National ID (NID) copy.
- Passport size photographs (Applicant and Nominee).
- e-TIN Certificate (Mandatory for > BDT 2 Lakh).
- Bank Checkbook / Routing Number for EFT payout.
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