DMD Circular Letter No. 11: Regarding Profit Rate Refixation in National Savings Schemes

50119

Bangladesh Bank
(Central Bank of Bangladesh)
Head Office
Motijheel, Dhaka-1000
Bangladesh.

Data Management Department

17 Asharh 1432
Date: -------------------
01 July 2025

DMD Circular Letter No. 11/2025

Managing Director/Chief Executive Officer
All Scheduled Banks Operating in Bangladesh

Dear Sir,

Regarding Profit Rate Refixation in National Savings Schemes.

The Notification No. 08.00.0000.041.22.0006.20.85 dated June 30, 2025, issued by the Internal Resources Division of the Ministry of Finance of the Government of the People's Republic of Bangladesh, regarding the refixation of profit rates for investment in "National Savings Schemes" for the period of July-December, 2025, is being sent herewith for your information and necessary action. It is particularly mentioned that this order will come into effect from July 01, 2025.

Yours faithfully,

Enclosure: As per description.

(Intekom Hossain)
Director (DMD)
Phone: 9530131

Phone: 88-02-9550448, 9554896, IP: 88-02-55685001-6, Fax: 88-02-9530479, www.bb.org.bd

*

Government of the People's Republic of Bangladesh Ministry of Finance Internal Resources Division Savings Branch www.ird.gov.bd

Number: 08.00.0000.041.22.0006.20.85
Date: 16 Asharh 1432 Bangabda
30 June 2025 AD

NOTIFICATION

It is hereby decided to refix the profit rates in two steps (7.50 lakh BDT and below, and above 7.50 lakh BDT) based on the investment category for the 'July-December', 2025 period for the 'National Savings Schemes' issued by the National Savings Directorate, as follows:

S.No	Name of National Savings Scheme	Maturity	Amount of Cumulative Investment:
			For Investment of 7.50 Lakh BDT and Below	For Investment Above 7.50 Lakh BDT
			Refixed Profit Rate (%)
01	5-Year Maturity Bangladesh Savings Certificate	End of 1st Year	9.74	9.72
		End of 2nd Year	10.21	10.19
		End of 3rd Year	10.72	10.70
		End of 4th Year	11.26	11.23
		End of 5th Year	11.80	11.80
02	3-Monthly Profit-Based Savings Certificate	End of 1st Year	10.65	10.60
		End of 2nd Year	11.22	11.16
		End of 3rd Year	11.82	11.77
03	Pensioner Savings Certificate	End of 1st Year	9.84	9.72
		End of 2nd Year	10.32	10.19
		End of 3rd Year	10.84	10.70
		End of 4th Year	11.39	11.23
		End of 5th Year	11.88	11.80
04	Family Savings Certificate	End of 1st Year	9.89	9.72
		End of 2nd Year	10.29	10.19
		End of 3rd Year	10.80	10.70
		End of 4th Year	11.35	11.23
		End of 5th Year	11.90	11.80
05	Post Office Savings Bank Fixed Deposit	End of 1st Year	10.65	10.60
		End of 2nd Year	11.22	11.16
		End of 3rd Year	11.82	11.77

2. In the case of premature encashment before maturity, profit shall be payable at the annual rates mentioned in the table above;

3. Considering the cumulative investment including the amount of previous investment (total investment in one or more schemes), profit shall be payable at the applicable rate based on the investment limit in two steps (7.50 lakh BDT and below, and above 7.50 lakh BDT);

4. The profit rates for the following 4 schemes under 'National Savings Schemes' will remain unchanged: Wage Earner Development Bond, US Dollar Premium Bond, US Dollar Investment Bond, and Post Office Savings Bank General Account;

5. This order will come into effect from July 01, 2025. For all 'National Savings Schemes' issued before July 01, 2025, the profit rate prevailing at the time of issuance will apply for the original tenure. However, in the case of reinvestment, the profit rate on the date of reinvestment will apply.

6. The profit rate on investment in National Savings Schemes will be refixed again after 06 (six) months from the issuance of this order; however, the investor will be entitled to the profit rate prevailing at the time of issuance for the full tenure of the investment; that is, they will receive profit at the same rate until the end of the tenure for which it was issued;

7. This order is issued in the public interest.

By Order of the President,
(Signature)
30-06-2025
Md. Mobarok Hossain
Deputy Secretary savings.ird@gmail.com

Number: 08.00.0000.041.22.0006.20.85/(15)
Date: 16 Asharh 1432 Bangabda
30 June 2025 AD

Copies are sent with regards for information/necessary action (not in order of seniority):

1. Secretary to the Cabinet, Cabinet Division / Chief Secretary to the Chief Adviser, Office of the Chief Adviser.
2. Governor, Bangladesh Bank, Head Office, Dhaka.
3. Secretary, Finance Division, Ministry of Finance, Bangladesh Secretariat, Dhaka.
4. Secretary, Financial Institutions Division, Ministry of Finance, Bangladesh Secretariat, Dhaka.
5. Secretary, Ministry of Information, Bangladesh Secretariat, Dhaka.
6. Secretary, Post and Telecommunications Division, Bangladesh Secretariat, Dhaka.
7. Director General, National Savings Directorate, Dhaka.
8. Director General, Post Office, Dhaka.
9. National Program Director (Additional Secretary), Strengthening Public Financial Management Program to Enable Service Delivery (SPFMS), Finance Division, Ministry of Finance, Dhaka.
10. Director, Data Management Department, Bangladesh Bank, Head Office, Dhaka.
11. Private Secretary to the Secretary, Internal Resources Division, Ministry of Finance, Dhaka.
12. Deputy Director, Bangladesh Forms and Publications Office, Tejgaon, Dhaka (Request is made to print the notification in the next Gazette and send 1000 (one thousand) copies of the said Gazette to the undersigned).
13. Chief Accounts and Finance Officer, Office of the Chief Accounts and Finance Officer, Internal Resources Division, Segunbagicha, Dhaka.
14. Assistant Programmer, ICT Branch, Internal Resources Division, Dhaka (Request is made to upload on the website of this division).
15. Personal Assistant to the Joint Secretary (Savings), Internal Resources Division, Dhaka.

(Signature)
30-06-2025
Md. Mobarok Hossain
Deputy Secretary