The decision to reduce the profit rates of five savings schemes under the Department of National Savings has been revoked.

As a result, the previous higher interest rates for savings certificates (Sanchayapatra) will remain in effect.

A notification was issued in this regard by the Internal Resources Division (IRD) of the Ministry of Finance on Sunday (January 4).

Earlier, on December 31, a notification had set new (lower) profit rates effective from January 1. That decision has been scrapped just four days later.

Consequently, depending on the scheme and investment tier, the maximum profit rate will range from 11.82% to 11.98%.

Key Profit Rates by Scheme

The following rates apply for early encashment and full maturity across different tiers:

5-Year Bangladesh Savings Certificate

Tier 1: 9.74% (1st yr), 10.21% (2nd yr), 10.72% (3rd yr), 11.26% (4th yr), and 11.83% at maturity.

Tier 2: 9.72% (1st yr), 10.19% (2nd yr), 10.70% (3rd yr), 11.23% (4th yr), and 11.80% at maturity.

3-Month Profit-Based Savings Certificate

Tier 1: 10.65% (1st yr), 11.22% (2nd yr), and 11.82% at maturity (3rd yr).

Tier 2: 10.60% (1st yr), 11.16% (2nd yr), and 11.77% at maturity (3rd yr).

Pensioner Savings Certificate

Tier 1: 9.84% (1st yr), 10.32% (2nd yr), 10.84% (3rd yr), 11.39% (4th yr), and 11.98% at maturity.

Tier 2: 9.72% (1st yr), 10.19% (2nd yr), 10.84% (3rd yr), 11.39% (4th yr), and 11.98% at maturity.

Family Savings Certificate (Paribar Sanchayapatra)

Tier 1: 9.81% (1st yr), 10.29% (2nd yr), 10.80% (3rd yr), 11.35% (4th yr), and 11.93% at maturity.

Tier 2: 9.72% (1st yr), 10.19% (2nd yr), 10.70% (3rd yr), 11.23% (4th yr), and 11.80% at maturity.

Post Office Fixed Deposit

Tier 1: 10.65% (1st yr), 11.22% (2nd yr), and 11.82% at maturity (3rd yr).

Tier 2: 10.60% (1st yr), 11.16% (2nd yr), and 11.77% at maturity (3rd yr).