FDR, Sanchayapatra & DPS Profit Calculator
Work out the real profit on a bank FDR, Sanchayapatra or monthly DPS in Bangladesh after the 10% or 15% tax on profit (TDS), with monthly income for savings certificates and excise duty on bank balances. Every rate is editable, so the answer always matches today's numbers.
Defaults as of October 2026: typical bank FDR around 8.5%, 5-year Bangladesh Sanchayapatra around 11.28%, profit-bearing certificates around 11.04% — rates change with National Savings Directorate and bank revisions, so always set the exact rate your branch quotes. Excise duty: balances up to ৳3 lakh are exempt (FY2026-27).
How it works
Profit on savings instruments is taxed at source: 10% if you hold an e-TIN, 15% without one. The calculator shows gross profit, the tax deducted, and what actually lands in your pocket.
Bank FDRs typically credit profit quarterly, so the tool compounds quarterly; Sanchayapatra pays profit out monthly, so it shows the monthly amount in hand and returns your principal at maturity.
DPS mode compounds each installment quarterly, the way most bank monthly deposit schemes credit profit, and shows the total deposited versus the final maturity value.
Every rate is editable — banks and the National Savings Directorate revise rates, and higher Sanchayapatra investments can carry lower rates, so enter the exact figure your branch quotes.
Frequently asked questions
How much tax do I pay on FDR or Sanchayapatra profit?
Tax is deducted at source when the profit is paid: 10% with an e-TIN and 15% without. Banks and post offices deduct it before crediting your profit, so the calculator subtracts it from gross profit automatically.
What is the current Sanchayapatra rate?
As of October 2026 the 5-year Bangladesh Sanchayapatra pays around 11.28% and profit-bearing certificates around 11.04%, but rates are revised and larger investments can pay less. Enter the exact rate from your National Savings or bank branch into the editable rate field.
What is excise duty on my bank account?
It is an annual duty on your bank balance, deducted by the bank. Under the FY2026-27 rules balances up to ৳3 lakh are exempt, ৳3-5 lakh pays ৳150, and ৳5-10 lakh pays ৳500. Enter your usual balance to see the estimate.
Is Sanchayapatra profit better than an FDR?
Savings certificates usually pay more than bank FDRs, but they have investment limits, can require a TIN, and larger investments earn a lower rate. The calculator lets you compare both with your real numbers side by side.
Does the calculator save my data?
No. Everything is computed in your browser and nothing is uploaded anywhere.