Decision tool

FDR vs Sanchayapatra

Got a lump sum? See which option actually leaves you with more after Bangladesh source tax and excise duty — ranked by the real return you keep, not the headline rate.

= ৳5,00,000 · 5 lakh

%

The annual rate your bank is quoting.

%

The certificate's annual profit rate (default: current official 5-year rate).

Your tax status (for FDR)

Results update as you type — no button to press.

FDR nets you more

For ৳5,00,000 over 5 years, FDR leaves you with ৳7,49,729 after tax — ৳1,779 more than Sanchayapatra (5-year), a real return of 8.18% vs 8.39%.

FDR

এফডিআর

Best after tax
Net receivable
৳7,49,729
Real return after tax: 8.18%
Gross maturity
৳7,80,255
Tax & charges
৳30,525

Source tax 10% on interest + excise duty

Sanchayapatra (5-year)

সঞ্চয়পত্র (৫ বছর)

Net receivable
৳7,47,950
Real return after tax: 8.39%
Gross maturity
৳7,61,000
Tax & charges
৳13,050

Source tax 5% on profit (flat)

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Compared over a 5-year term. FDR is compounded quarterly; Sanchayapatra profit is simple interest on the face value, paid at maturity (the official NSD method). The ৳5,00,000 source-tax threshold counts all your savings certificates together. Estimates only — confirm current rates and terms before investing.