Savings Certificate Interest Rates Unchanged for July-December

The government has decided to keep interest rates on national savings certificates unchanged for the July–December period to protect the financial security of middle-income families.

Investors will continue to earn maximum returns ranging from 11.77% to 11.98% depending on the specific scheme, investment amount and maturity period. On Thursday the Finance Division instructed the Internal Resources Division (IRD) to maintain the existing rates. A formal notification from the National Savings Directorate will follow shortly.

Earlier, a December 2025 directive attempting to lower returns was suspended in January amid concerns that it would discourage middle-income investors. The directorate reviews these rates semi-annually; however once an investment is made its interest rate remains locked until maturity regardless of future policy changes.

Under the current structure individual or joint investments up to Tk 750,000 enjoy higher yields while amounts exceeding this threshold earn slightly lower rates.

Current Interest Rates at a Glance:

Family Savings Certificate (Most Popular): 11.93% (up to Tk 750,000) and 11.80% (above Tk 750,000).

5-Year Bangladesh Savings Certificate: 11.83% (up to Tk 750,000) and 11.80% (above Tk 750,000).

3-Month Profit-Based Certificate: 11.82% (up to Tk 750,000) and 11.77% (above Tk 750,000).

3-Year Post Office Savings Certificate: 11.82% (up to Tk 750,000) and 11.77% (above Tk 750,000).

This decision ensures fixed-income earners continue to receive stable returns amidst ongoing economic pressures.