Post Office Savings Bank Fixed Deposit

The Post Office Savings Bank fixed deposit is a 3-year deposit opened at the post office. At maturity you receive the principal and all the profit together; nothing is paid during the term.

It is an account rather than a certificate, so it has no fixed face values. You can deposit any amount up to the ceiling.

• Any Bangladeshi citizen, men and women alike.
• It can be opened in a single name or in joint names.

The rates below are for certificates bought from 1 Jul 2025, the rates the government has kept in force for Jul–Dec 2026. Your rate is fixed on the day you buy and does not change during the 3-year term.

Which of the two rates you get depends on your total Sanchaypatra holding across all schemes, including this purchase: ৳7.5 lakh or less is the first slab, above ৳7.5 lakh the second. The whole certificate earns the rate of its slab.

Nothing is paid until the deposit matures after 3 years, when you receive the principal and the profit, less source tax.

The deposit can be reinvested automatically, up to the ceiling, if you arrange it.

• There are no face values, so you can deposit any amount within the ceiling.
• One person can hold up to ৳10 lakh, or ৳20 lakh in joint names.
• The scheme sheets do not say whether this deposit counts toward the combined ceiling for the 5-year, 3-month and Paribar schemes, so this site does not count it.

You can encash before maturity, but the profit is paid at the early rate for the number of full years you have completed, and nothing is earned if you encash in the first year.

Since this scheme pays no profit along the way, there is nothing to deduct: you receive the principal plus profit at the early rate. The table shows the early rate for each completed year.

All the profit is paid at maturity, so tax is deducted once, then. The rate follows your total holding across all schemes.

Source tax is deducted from the profit before you receive it: 5% if your total Sanchaypatra holding across all schemes is ৳5 lakh or less, and 10% if it is above. The rate depends on your total holding, not on this certificate alone.

From the FY2026-27 budget the tax withheld counts as advance tax you can adjust in your annual return. Reports differ on whether the small-holder rate changes, so the calculator uses the NBR's published 5% and 10% rule. See the tax and rules page for details.

These examples use the rates in force today and assume the certificate is your only Sanchaypatra holding, so the slab and the tax rate follow the amount invested. They show how the slab and the tax rate change the result.

They are estimates for illustration. Your own result depends on your total holding and purchase date, and you can try your numbers in the calculator.

Profit is paid once, together with the principal, when the certificate matures.

• Two passport-size photographs of the buyer
• National ID card (NID) of the buyer
• Two photographs of the nominee, if you name one
• An e-TIN and proof of income tax return submission (PSR) if you are buying more than ৳10 lakh

This fixed deposit is opened and encashed at post offices. Ask your local post office for its current forms and process.

• You can appoint a nominee when you open the deposit, and change the nomination later.
• Automatic reinvestment is available, up to the ceiling.

This option suits savers who prefer the post office and a shorter 3-year term. Its ceiling is lower than the other schemes, so compare the after-tax return with the other schemes before choosing.

Because it pays everything at maturity, it does not give regular income.

• 5-Year Bangladesh Sanchaypatra
• 3-Month Profit-Based Sanchaypatra
• Paribar Sanchaypatra
• Pensioner Sanchaypatra