Maximum returns for savings certificates lowered

The Department of National Savings has announced new profit rates for investment in savings certificates and bonds for the first half of the year.

Effective from the first day of 2026, the government’s notification sets a maximum return of 10.59 percent and a minimum of 8.74 percent for investments of Tk 750,000 or less, valid until June.

By comparison, last year’s six-month rates ranged from 8.74 percent to 11.98 percent. Under the new rates, the pension scheme will offer a maximum return of 10.59 percent, while general savings certificates will yield up to 10.54 percent.

For family savings certificates with the same investment cap, the five-year return now stands at 10.54 percent, down from 11.98 percent. Bonds for expatriates continue to offer 12 percent interest.

Investments exceeding Tk 750,000 will earn 8.74 percent to 10.43 percent over the period. The government has decided to announce interest rates for savings certificates every six months.

Once an investment is made, however, the rate in effect at the time of purchase remains valid until the maturity of the scheme.

This revision aligns returns with current fiscal policies, offering a structured, transparent framework for small and large investors alike.