When it comes to securing your financial future, safety and reliability are key considerations. Among various investment options, savings certificates have become one of the safest and most popular choices, especially for those seeking low-risk and stable returns.

Savings certificates are government-backed investment instruments individuals can purchase from banks or financial institutions. These certificates typically offer a fixed interest rate and a specific maturity period. These are considered a very low-risk investment because they are guaranteed by the government, meaning there is little to no chance of losing the principal amount invested.
Types of savings certificates
Different countries have different savings certificates with varying interest rates and maturity periods. In Bangladesh, the savings instruments include the Five-Year Bangladesh Savings Certificate, the Three-Monthly Profit-Bearing Sanchayapatra, the Five-Year Family Savings Certificate and the Five-Year Pensioners’ Savings Certificate.
To make these instruments more attractive to savers, the interim government has increased interest rates on various national savings certificates to 12%.
The interest rate on the Five-Year Bangladesh Savings Certificate will be 12.4% for investments up to Tk7.5 lakh. For savings above Tk7.5 lakh, the interest rate will be 12.37%.
In the case of the Three-Monthly Profit-Bearing Sanchayapatra, the potential profit rate for investments up to Tk7.5 lakh will be 12.30%. For investments exceeding this amount, the profit rate will be 12.25%.
The interest rate for the Family Savings Instrument will be 12.5% for investments up to Tk7.5 lakh. For savings above Tk7.5 lakh, the interest rate will be 12.37%.
Similarly, the profit rate for 5-Year Pensioner Savings Certificates for investments up to Tk7.5 lakh will be 12.55%. For investments exceeding this amount, the rate will be 12.37%.
Meanwhile, interest rates on savings instruments for expatriate Bangladeshis are 12% for the wage earners’ bond, 6.5% for the US dollar investment bond and 7.5% for the US dollar premium bond.
The interest rate on post office term deposits ranges from 12.30% to 12.25%.