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).
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
- Gross maturity
- ৳7,80,255
- Tax & charges
- − ৳30,525
Source tax 10% on interest + excise duty
Sanchayapatra (5-year)
সঞ্চয়পত্র (৫ বছর)
- Gross maturity
- ৳7,61,000
- Tax & charges
- − ৳13,050
Source tax 5% on profit (flat)
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.