Compare Sanchaypatra schemes
Enter an amount and see what each certificate pays after source tax, using the rates in force today. The highest after-tax return is highlighted.
Last updated 24 Oct 2026
In words: 5 lakh taka
With ৳5,00,000, Pensioner Sanchaypatra gives the best after-tax return: 11.98% a year.
| Scheme | Tenure | Payout | Rate | Net per payment | Total net profit | Total at maturity | After-tax return a year | Who can buy |
|---|---|---|---|---|---|---|---|---|
5-Year | 5 years | At maturity | 11.83% | — | ৳2,80,963 | ৳7,80,963 | 11.24% | Any Bangladeshi citizen, and certain institutions. |
3-Month | 3 years | Every 3 months | 11.82% | ৳14,036 | ৳1,68,435 | ৳6,68,435 | 11.23% | Any Bangladeshi citizen, and certain institutions. |
Paribar | 5 years | Monthly | 11.93% | ৳4,722 | ৳2,83,337 | ৳7,83,337 | 11.33% | Women aged 18+, people with disabilities and anyone aged 65+. Single name only. |
Pensioner Best return | 5 years | Monthly | 11.98% | ৳4,992 | ৳2,99,500 | ৳7,99,500 | 11.98% | Retired public servants, retired Supreme Court judges and armed forces members, and family pensioners. Single name only. |
Post Office FD | 3 years | At maturity | 11.82% | — | ৳1,68,435 | ৳6,68,435 | 11.23% | Any Bangladeshi citizen. |
Rates shown for your slab: up to ৳7.5 lakh. Source tax: 5%.
How to read the comparison
Every row uses the same amount and the same total holding, so the only differences are the scheme's own rate, tenure and payout. Your total holding across all Sanchaypatra decides two things: which rate slab you fall into (the current slab limit is ৳7.5 lakh) and the source tax rate (5% up to ৳5 lakh, 10% above).
The effective after-tax return is the net profit per year as a share of the amount you invest. It is the fairest single number for comparing schemes of different lengths, because it already includes the tax.
- Rate: the yearly rate for your slab if you hold the certificate to maturity.
- Net per payout: what reaches you each time profit is paid, after source tax. Schemes that pay at maturity show one payment at the end.
- Total net profit: all profit over the full tenure, after tax.
- At maturity: total net profit plus your principal back.
What the best return does not tell you
The highest return is not automatically the right choice. Paribar and Pensioner Sanchaypatra pay every month, which suits anyone who wants a regular income, while the 5-year certificate and the Post Office fixed deposit pay everything at the end. Profit that arrives monthly or quarterly can be spent or reinvested; profit held to maturity cannot.
Eligibility also matters. Paribar is limited to women, people with disabilities and people aged 65 or over, and Pensioner is limited to retired public servants and family pensioners. A scheme you cannot buy is not an option, however good its rate looks. Each row below notes who can buy it, and the scheme guides explain the details.
Finally, check the purchase ceilings. If your amount is above a scheme's ceiling, or is not a multiple of its smallest face value, the row is shown as unavailable for that amount.