কী ফিচার

Key features of the existing National Savings Schemes.

Key Features of NSS-2012

Sl. Name of Tax Implementing
Maturity Limit Interest rate Investors Penalty
No Schemes Treatment agency
1 2 3 4 5 6 7 8 9
  13.19% on
Maturity
Single: 30 (12.20%+0.99%) All classes 
lac; Interest payable of people
Jointly: 60 after (National ID Encashment
5 years    lac; 1st year @ Card Holder), before 1st Bank, Bureau
Recognized 5%
1. Bangladesh  9.20%, recognized  year  &
on profit
Sanchayapatra 5-Year Provident  2nd year @ Provident no interest Post office.
Fund: 9.95%, Fund & accrued
Unlimited; 3rd year @ 12 small
12 small 10.70%, enterprises
enterprises: 4th year @
Unlimited 11.45%.
12.59% on
  Maturity
(11.80%+0.59%) Encashment
All classes 
3-Monthly   Single: 30 Interest payable before 1st Bank, Bureau
5% of people
2. Profit basis lac; after year  &
on profit (National ID
Sanchayapatra 3-year 1st year @ no interest Post office.
Jointly: 60 Card Holder).
9.80%, accrued
lac; 2nd year @
10.80%,
13.19% on
Maturity
(12.20%+0.99%)
Interest payable
Retired Govt.,
after Encashment
Semi-Govt,
    1st year @ before 1st Bank, Bureau
Pensioner 5% Autonomous,
3. 9.20%, year  &
Sanchayapatra 5-Year 50 lac on profit Semi-
2nd year @ no interest Post office.
Autonomous
9.95%, accrued
officials.
3rd year @
10.70%,
4th year @
11.45%.
4. Poribar     13.45% on 5% Any Adult Encashment Bank, Bureau
Sanchayapatra Maturity on profit. Bangladeshi before 1st &
5-Year 45 lac (12.20%+1.25%) Female year  Post office.
Interest payable no interest
after (National ID accrued
1st year @ Card Holder)
9.20%,
2nd year @
9.95%,
 3rd year @
10.70%,
4th year @
11.45%.
20% on  Bank, Bureau
Bangladesh 
5. 3-Month Unlimited 6.50% prize Any persons - &
Prize Bond
money Post office.
A
No profit
Wage Earner      11.80% Bangladeshi
5% will be paid
6. Development (Compound) wage earner Bank
5-Year Unlimited (11.00%+0.80%) on profit before 6-
Bond serving
month.
abroad.
7.50% on
Maturity
Non-
Interest payable No profit is
US Dollar      Residence
after payable
7. Premium Tax free Bangladeshi Bank
3-Year Unlimited 1st year @ before 1
Bond FC Account
6.50%, year
holder
2nd year @
7.00%
6.50% on
Maturity
Non-
Interest payable No profit is
US Dollar      Residence  
after payable
8. Investment  Tax free Bangladeshi
3-Year Unlimited 1st year @ before 1 Bank
Bond FC Account
5.50%, year
holder
2nd year @
6.00%
Post office All classes  No profit
Single 30 lac;  
Savings 10% on of people will be paid
9. - 7.50%
Bank- profit (National ID before 1-
Jointly 60 lac Post Office
Ordinary A/C Card Holder) month.
13.24% on
Maturity
(12.40%+0.84%) All classes  No profit
Post office
  Single 30 lac; Interest payable of people will be paid  
Savings 10% on
10. after
Bank- 3-Year Jointly 60 lac profit (National ID before 6- Post Office
1st year @
Fixed Deposit Card Holder) month.
10.40%,
2nd year @
11.40%
Postal Life Insurance:  
Minimum
limit of  Tk.42 per
(I) Whole Life
  Investment Thousand. All classes
Insurance
Tk. Yearly 4.2% of people    
11. 1,000/= Tax free
Minimum (Age limit 19 - Post Office
(II) Fixed limit of  Tk.33 per to 55 Yrs)
5/10/15/20/
Term Investment Thousand.
25/30/35/40
Insurance Tk. Yearly 3.3%
1,000/=