Bangladesh Sanchayapatra Profit & Tax Calculator
Calculate your net monthly or quarterly profit from National Savings Certificates (জাতীয় সঞ্চয়পত্র). Applies the latest tiered interest rates (up to 15 Lakh, 15–30 Lakh, and above 30 Lakh) and statutory 5% vs 10% source tax (AIT).
Investment Particulars (বিনিয়োগ বিবরণী)
Sanchayapatra Source Tax (AIT) Rules:
Under National Board of Revenue (NBR) rules, if your total cumulative investment in savings certificates is up to 5,00,000 BDT, the source tax is 5%. If your total investment exceeds 5 Lakh BDT, the tax rate is 10% on all earned profit.
Net Profit Projection (মুনাফা বিবরণী)
Current Sanchayapatra Tiered Profit Rates (জাতীয় সঞ্চয় অধিদপ্তর স্ল্যাব)
The Ministry of Finance and National Savings Directorate enforce tiered profit slabs to encourage small-scale savers:
| Scheme Name (সঞ্চয়পত্র) | Tier 1 (Up to 15 Lakh) | Tier 2 (15 to 30 Lakh) | Tier 3 (Above 30 Lakh) | Payout Interval |
|---|---|---|---|---|
| Paribar Sanchayapatra (পরিবার) | 11.52% (~৳960/Lakh) | 10.50% (~৳875/Lakh) | 9.50% (~৳791/Lakh) | Monthly (প্রতি মাসে) |
| Pensioner Sanchayapatra (পেনশনার) | 11.76% (~৳2,940/Lakh) | 10.75% (~৳2,687/Lakh) | 9.75% (~৳2,437/Lakh) | Quarterly (৩ মাস পরপর) |
| 3-Month Profit Bearing (৩ মাস অন্তর) | 11.04% (~৳2,760/Lakh) | 10.00% (~৳2,500/Lakh) | 9.00% (~৳2,250/Lakh) | Quarterly (৩ মাস পরপর) |
| 5-Year Bangladesh Sanchayapatra | 11.28% at maturity | 10.20% at maturity | 9.20% at maturity | At Maturity (মেয়াদপূর্তিতে) |
📊 Bangladesh Statutory Wage & Tax Breakdown Matrix
| Statutory Component / Legal Deduction Item | Calculated Amount (BDT) |
|---|---|
| Primary Net / Statutory Payable Amount | ৳0.00 |
Engr. Muhammad Shahzad
Principal Financial Systems Architect & Bangladesh Labor Act & NBR Tax Code Specialist
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.