Full term almost always wins
The early-encashment rate is deliberately much lower than the full-term rate, so breaking a Sanchayapatra early costs far more than the missed quarters alone suggest. Comparing against a bank fixed deposit instead? See the FD Calculator.
Frequently asked questions
Why are the profit rates editable instead of fixed?
The National Savings Directorate (NSD) revises Sanchayapatra profit rates by circular from time to time, and rates are also tiered by investment slab. Enter the current published rate for your investment amount from nsd.gov.bd for an accurate result — the defaults here are illustrative only.
What happens if I encash before maturity?
NSD rules generally pay no profit at all if encashed within the first year, and a reduced rate (closer to a savings-account rate) for encashment between one year and full maturity — enter your actual holding period to see the reduced-rate scenario.
What is the source tax on Sanchayapatra profit?
Profit is subject to tax deducted at source — commonly 5% for TIN holders investing within the standard limit, and a higher rate for non-TIN holders or amounts beyond it. Confirm which rate applies to you with your bank or NSD office before relying on the after-tax figure.
Last updated: June 2026