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Chonchoy Potro Automesion

Depository automation

To stop excess investment and black money, the National Savings Department has experimentally started the process of selling savings cards through automation (online). The automation has a link with the National ID card. So no one can buy savings paper in excess of the limit.

Savings Certificate

  1. Savings Certificate is a savings mobilization Scheme of the Government.
  2. At present the following savings certificates are sold & encashed from the post office.

 

5 -Year Bangladesh sanchayapartra.>( Limit, interest Rate)
Tin mash ontor munafa vittik sanchayapartra .>Limt, Interest rate, interest in each 3 months interval) 
Pensioner sanchayapartra.>( Limit, conditions, interest rate, interest in each 3 months interval)

5-Years term Bangladesh Savings Certificate Interest

 Period (on completaion of )
5-Year Bangladesh Sanchayapatra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.35%
0.00%
9.35%
At the end of 2nd Year ( if the purchaser encash before maturity)
9.80%
0.00%
9.80%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.25%
0.00%
10.25%
At the end of 4th Year ( if the purchaser encash before maturity)
10.75%
0.00%
10.75%
At the end of 5th Year
11.28%
0.99%
11.28%

 

• Tk. 30,00,000/ can be purchased in one name
• Tk. 60,00,000/- can be purchased in joint name
•  Can be nominated to one or more persons.

 

Tin mash ontor munafa vittik sanchayapartra

Period (on completaion of )
Tin Mash Antar Munafa Vittik Sanchayapatra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
10.00%
0.00%
10.00%
At the end of 2nd Year( if the purchaser encash before maturity)
10.50%
0.00%
10.50%
At the end of 3rd Year
11.04%
0.79%
11.83%

 

• Tk. 30,00,000/ can be purchased in one name
• Tk. 60,00,000/- can be purchased in joint name
• Minimum have to purchase Tk. 1,00,000/-
• Can be nominated to one or more persons.
• Profit can be drawn after every 3 months.Tk. 2760.00/- is paid as profit for Tk.1,00,000/-
•  5% source tax will be deducted from profit.

Pensioner sanchayapartra

•  A purchaser must be a retired person from any Govt, semi-govt autonomous body.

  • A retired person should have a minimum 20 years length of service
  • Any retired person who reached at the age of 55 years.
  • Under family pension scheme husband/ wife/ children of the deceased employee can     purchase. No age bar is applicable for them.
  • A purchaser has to furnish copy of 1) pension book, 2) sanctioned memo of gratuity,    3)sanctioned memo of Provident fund at the time of purchase.

 

Period (on completaion of )
Pensioner sanchayapartra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.70%
0.00%
9.70%
At the end of 2nd Year ( if the purchaser encash before maturity)
10.15%
0.00%
10.15%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.65%
0.00%
10.65%
At the end of 4th Year ( if the purchaser encash before maturity)
11.20%
0.00%
11.20%
At the end of 5th Year
11.76%
0.99%
12.75%

• Adding together pension, gratuity and provident fund a retired person can purchase upto Tk 30,00,000/- but not more than the amount drawn.
• Minimum have to purchase Tk. 50,000/-
• Can be nominated to one or more persons.
• Profit can be drawn after every 3 months.Tk.3297.50/- is paid as profit for Tk.1,00,000/-
• 5% source tax will be deducted from profit. Source tax will not be deducted from pensioner
Sanchayapatra purchased before 30/06/2011

Paribar sanchayapartra

  • An adult female purchaser can purchase upto Tk. 45,00,000/-
  • Minimum to purchase Tk. 10,000/-
  • Can be nominated to one or more persons.
  • Profit can be drawn after every 3 months.Tk.1120.83/- is paid as profit for Tk.1,00,000/-
  • 5% source tax will be deducted from profit. Source tax will not be deducted from Paribar
  • Sanchayapatra purchased before 30/06/2011

•  Tk. 30,00,000/ can be purchased in one name
•  Tk. 60,00,000/- can be purchased in joint name
•  Can be nominated to one or more persons.

Tin mash ontor munafa vittik sanchayapartra

 

Period (on completaion of )
Tin Mash Antar Munafa Vittik Sanchayapatra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
10.00%
0.00%
10.00%
At the end of 2nd Year( if the purchaser encash before maturity)
10.50%
0.00%
10.50%
At the end of 3rd Year
11.04%
0.79%
11.83%

Tk. 30,00,000/ can be purchased in one name
•  Tk. 60,00,000/- can be purchased in joint name 
•  Minimum have to purchase Tk. 1,00,000/- 
•  Can be nominated to one or more persons.
•  Profit can be drawn after every 3 months.Tk. 2760.00/- is paid as profit for Tk.1,00,000/-
•  5% source tax will be deducted from profit.

Pensioner sanchayapartra

A purchaser must be a retired person from any Govt, semi-govt autonomous body.

  • A retired person should have a minimum 20 years length of service
  • Any retired person who reached at the age of 55 years.
  • Under family pension scheme husband/ wife/ children of the deceased employee can     purchase. No age bar is applicable for them.
  • A purchaser has to furnish copy of 1) pension book, 2) sanctioned memo of gratuity,    3)sanctioned memo of Provident fund at the time of purchase.

 

Period (on completaion of )
Pensioner sanchayapartra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.70%
0.00%
9.70%
At the end of 2nd Year ( if the purchaser encash before maturity)
10.15%
0.00%
10.15%
At the end of 3rd Year ( if the purchaser encash before maturity)
10.65%
0.00%
10.65%
At the end of 4th Year ( if the purchaser encash before maturity)
11.20%
0.00%
11.20%
At the end of 5th Year
11.76%
0.99%
12.75%

 

Adding together pension, gratuity and provident fund a retired person can purchase upto    Tk 30,00,000/- but not more than the amount drawn.
•  Minimum have to purchase Tk. 50,000/- 
•  Can be nominated to one or more persons.
•  Profit can be drawn after every 3 months.Tk.3297.50/- is paid as profit for Tk.1,00,000/-
•  5% source tax will be deducted from profit. Source tax will not be deducted from pensioner
Sanchayapatra purchased before 30/06/2011

Paribar sanchayapartra

  • An adult female purchaser can purchase upto Tk. 45,00,000/-
  • Minimum to purchase Tk. 10,000/-
  • Can be nominated to one or more persons.
  • Profit can be drawn after every 3 months.Tk.1120.83/- is paid as profit for Tk.1,00,000/-
  • 5% source tax will be deducted from profit. Source tax will not be deducted from Paribar
    Sanchayapatra purchased before 30/06/2011

 

Period (on completaion of )
Pensioner sanchayapartra
Rate of Profit (%)
Rate of SSP (%)
Total Rate (%)
At the end of 1st Year ( if the purchaser encash before maturity)
9.50%
0.00%
9.50%
At the end of 2nd Year ( if the purchaser encash before maturity)
10.00%
0.00%
10.00%
At the end of 3rd Year ( if the purchaser encash before maturity)
11.00%
0.00%
11.00%
At the end of 4th Year ( if the purchaser encash before maturity)
11.45%
0.00%
11.45%
At the end of 5th Year
11.52%
1.25%
12.77%

 

ডাক বিভাগ সঞ্চয় প্রত্র অটোমেশন.pdf