The government has lowered the interest rates on all types of National Savings Certificates for the second half of 2025. The interest rate ceiling for certificates has been set at 12 percent, while the floor is 9.74 percent.Previously, the lowest interest rate for certificates was 10.13 percent and the highest was 12.55 percent.The Department of National Savings issued a notification on Monday fixing the new interest rates. However, the existing interest rate for four types of schemes -- Wage Earner Development Bond, US Dollar Premium Bond, US Dollar Investment Bond and Post Office Savings Bank General Account -- will remain unchanged.The government has decided to revise the interest rate on savings certificates every six months. The government offers a relatively lower interest rate for investments exceeding that amount.According to latest decision, the interest rate for an investment of Tk 750,000 in a pensioner savings certificate for five years will be 11.98 percent, which is the highest interest rate. If the investment is more than Tk 750,000, the interest rate for the same period will be 9.72 percent.Interest rates are also determined every three months for profit-based savings certificates, family savings certificates and post office savings accounts.Family savings certificates are the most popular savings scheme.
