Introduction

Introduced: 2009 AD

Denomination: 10,000 Taka; 20,000 Taka; 50,000 Taka; 100,000 Taka; 200,000 Taka; 500,000 Taka; and 1,000,000 Taka.

Where to Obtain: Can be purchased and encashed from the National Savings Bureau, branches of Bangladesh Bank, commercial banks, and post offices.

Maturity: 5 (Five) years.

Profit Rates

For investments up to 750,000 Taka:

• 1st Year: 10.20%
• 2nd Year: 10.72%
• 3rd Year: 11.28%
• 4th Year: 11.87%
• 5th Year: 12.50%

For investments 750,001 Taka and above:

• 1st Year: 10.11%
• 2nd Year: 10.62%
• 3rd Year: 11.17%
• 4th Year: 11.75%
• 5th Year: 12.37%

Tax Information

Source Tax: 10% tax is deducted at source on the profit for investments exceeding 500,000 Taka.

Eligibility

The following individuals can purchase the Family Savings Certificate:

• Any Bangladeshi woman aged 18 (Eighteen) and above.
• Any Bangladeshi person with physical disabilities (male and female).
• Any Bangladeshi citizen (male and female) aged 65 (Sixty-five) and above.

Maximum Purchase Limit

Single Name: Maximum 45 Lakh Taka.

Combined Limit: A maximum of 50 Lakh Taka can be invested in a single name or 1 Crore Taka in a joint name across all savings certificates.

Encashment Before Maturity

If the savings certificate is encashed before maturity, the refundable amount will be calculated as follows:

Time Period	Amount Receivable After Refund of Invested Money with Monthly Profit Withdrawal
During the 1st Year	1,00,000 – Received Profit
During the 2nd Year	1,09,500 – Received Profit
During the 3rd Year	1,20,000 – Received Profit
During the 4th Year	1,31,500 – Received Profit
During the 5th Year	1,44,000 – Received Profit

Note: The received profit will be deducted from the refundable amount.