Sanchaypatra calculator

Know exactly what your Sanchaypatra pays.

No login. Your numbers never leave your phone.

Your investment

Scheme5-Year Bangladesh Sanchaypatra5 years · paid at maturity11.80%3-Month Profit-Based Sanchaypatra3 years · paid every 3 months11.77%Paribar Sanchaypatra5 years · paid monthlyFor women, people with disabilities and anyone aged 65 or older11.80%Pensioner Sanchaypatra5 years · paid monthlyNot for these details · For retired government employees11.80%Post Office Savings Bank Fixed Deposit3 years · paid at maturity11.77%

Rates shown for your slab: above ৳7.5 lakh.

Investment amount

10 lakh taka

Your total Sanchaypatra holdingSame as amount

Including this purchase. It decides your rate slab and tax rate.

Slab: above ৳7.5 lakhSource tax 10%

Purchase date

Your rate is locked on this date. Jul 2025 rates apply.

When will you cash out?

About the investor

Only used to check who can buy which scheme.

Age 65 or olderPerson with a disabilityRetired government employee

You receive every month, after tax

৳8,850

a month

60 payouts · 1 Aug 2026 to 1 Jul 2031

Gross profit৳9,833

Source tax−৳98310%

Net profit৳8,850

Total net profit৳5,31,000

Principal back৳10,00,0001 Jul 2031

After-tax return10.62%a year

Rate 11.80%Slab: above ৳7.5 lakhJul 2025 rate set, still in force

If you cash out early

The rate steps up each year you hold on. If you cash out early, profit already paid above the early rate is taken back from your principal.

Cash out afterRateProfit you keepYou get back

1 year9.72%৳85,400৳9,79,200

2 years10.19%৳1,80,200৳9,67,800

3 years10.70%৳2,85,600৳9,67,000

4 years11.23%৳4,02,000৳9,77,200

At maturity11.80%৳5,31,000৳10,00,000

Year 1: ৳1,18,000 paid at 11.80%, but only ৳97,200 earned at 9.72%, so ৳20,800 comes out of your principal.

Payout schedule

7 of 60 payouts shown

PayoutGrossTaxNetRunning total

1 · 1 Aug 2026৳9,833−৳983৳8,850৳8,850

2 · 1 Sep 2026৳9,833−৳983৳8,850৳17,700

3 · 1 Oct 2026৳9,833−৳983৳8,850৳26,550

4 · 1 Nov 2026৳9,833−৳983৳8,850৳35,400

5 · 1 Dec 2026৳9,833−৳983৳8,850৳44,250

6 · 1 Jan 2027৳9,833−৳983৳8,850৳53,100

⋯

60 · 1 Jul 2031+ ৳10,00,000 principal returned৳9,833−৳983৳8,850৳5,31,000

Total৳5,90,000−৳59,000৳5,31,000

At maturity: where the money goes

৳15,90,000total value

Principal৳10,00,00062.9%

Net profit৳5,31,00033.4%

Source tax৳59,0003.7%

Your money over time

Principal plus the net profit received so far

PrincipalPrincipal + net profit received

Common questions

How much source tax is cut from my profit?

5% of the profit if your total Sanchaypatra holding across all schemes is up to ৳5 lakh, and 10% above that. Pensioner Sanchaypatra has no source tax up to ৳5 lakh.

From the FY2026-27 budget, the tax withheld counts as advance tax that you can adjust in your annual return.

What happens if I cash out early?

You get a lower, year-based rate instead of the maturity rate — for example 9.74% after one year on the 5-year certificate (up to ৳7.5 lakh).

If you have already received profit at the higher rate, the difference is deducted from your principal. Cashing out before the first year ends earns no profit.

Who can buy Paribar Sanchaypatra?

Bangladeshi women aged 18 or over, people with disabilities, and anyone aged 65 or over. It can only be bought in a single name, up to ৳45 lakh.

When do I need an e-TIN and proof of return submission (PSR)?

For purchases above ৳10 lakh. Up to that amount you can buy without showing a tax return (the rule since the FY2025-26 budget).

All questions