{
  "fetchedAt": "2026-06-08T13:50:12.908Z",
  "source": "IRD Notification No. 08.00.0000.000.041.22.0006.20.183 (Dec 30, 2025)",
  "effectiveDate": "2026-01-01",
  "nextReview": "2026-07-01",
  "schemes": {
    "5-year-bangladesh-sanchayapatra": {
      "name": "5-Year Bangladesh Sanchayapatra",
      "tenure": "5 years",
      "payout": "On maturity",
      "tiers": [
        {
          "label": "Up to ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.76,
            "2": 9.15,
            "3": 9.55,
            "4": 9.98,
            "5": 10.44
          }
        },
        {
          "label": "Above ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.74,
            "2": 9.12,
            "3": 9.53,
            "4": 9.96,
            "5": 10.41
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "All citizens"
    },
    "3-monthly-profit": {
      "name": "3-Monthly Profit Basis Sanchayapatra",
      "tenure": "3 years",
      "payout": "Quarterly",
      "tiers": [
        {
          "label": "Up to ৳7.5 Lakh",
          "yearlyRates": {
            "1": 9.54,
            "2": 10,
            "3": 10.48
          }
        },
        {
          "label": "Above ৳7.5 Lakh",
          "yearlyRates": {
            "1": 9.5,
            "2": 9.95,
            "3": 10.43
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "All citizens"
    },
    "pensioner-sanchayapatra": {
      "name": "Pensioner Sanchayapatra",
      "tenure": "5 years",
      "payout": "On maturity",
      "tiers": [
        {
          "label": "Up to ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.87,
            "2": 9.28,
            "3": 9.7,
            "4": 10.14,
            "5": 10.59
          }
        },
        {
          "label": "Above ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.74,
            "2": 9.12,
            "3": 9.53,
            "4": 9.96,
            "5": 10.41
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "Retirees only"
    },
    "family-savings": {
      "name": "Family Savings Certificate (Paribar Sanchayapatra)",
      "tenure": "5 years",
      "payout": "Monthly",
      "tiers": [
        {
          "label": "Up to ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.83,
            "2": 9.24,
            "3": 9.66,
            "4": 10.09,
            "5": 10.54
          }
        },
        {
          "label": "Above ৳7.5 Lakh",
          "yearlyRates": {
            "1": 8.74,
            "2": 9.12,
            "3": 9.53,
            "4": 9.96,
            "5": 10.41
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "Families (women prioritized)"
    },
    "wage-earner-bond": {
      "name": "Wage Earner Development Bond",
      "tenure": "5 years",
      "payout": "On maturity",
      "tiers": [
        {
          "label": "Up to ৳15 Lakh",
          "maturityRate": 12
        },
        {
          "label": "৳15-30 Lakh",
          "maturityRate": 10.5
        },
        {
          "label": "৳30-50 Lakh",
          "maturityRate": 9.5
        },
        {
          "label": "Above ৳50 Lakh",
          "maturityRate": 9
        }
      ],
      "maxInvestment": null,
      "eligibility": "NRB / Expatriates only",
      "highlighted": true
    },
    "usd-premium-bond": {
      "name": "US Dollar Premium Bond",
      "tenure": "3 years",
      "payout": "Periodic",
      "currency": "USD",
      "tiers": [
        {
          "label": "Up to $100,000",
          "yearlyRates": {
            "1": 6.5,
            "2": 7,
            "3": 7.5
          }
        },
        {
          "label": "Above $100,000",
          "yearlyRates": {
            "1": 6,
            "2": 6.5,
            "3": 7
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "NRB / Expatriates only",
      "highlighted": true
    },
    "usd-investment-bond": {
      "name": "US Dollar Investment Bond",
      "tenure": "3 years",
      "payout": "On maturity",
      "currency": "USD",
      "tiers": [
        {
          "label": "Up to $25,000",
          "yearlyRates": {
            "1": 5.5,
            "2": 6,
            "3": 6.5
          }
        },
        {
          "label": "Above $25,000",
          "yearlyRates": {
            "1": 5,
            "2": 5.5,
            "3": 6
          }
        }
      ],
      "maxInvestment": null,
      "eligibility": "NRB / Expatriates only"
    },
    "post-office-savings": {
      "name": "Post Office Savings Bank – General Account",
      "tenure": "Ongoing",
      "payout": "Annual",
      "tiers": [
        {
          "label": "All amounts",
          "flatRate": 7.5
        }
      ],
      "maxInvestment": null,
      "eligibility": "All citizens"
    }
  },
  "note": "Rates are set by government notification and reviewed every 6 months. Hardcoded rates are updated manually when government announces changes."
}