It is supervised by Internal Resources Division of Ministry of Finance of Government of Bangladesh.
Every year the profit margins of these schemes are declared after cutting the 5% source tax.
This discourages the people from investing in high risk instruments like stocks.
There is a general concern that high return rate in NSCs along with rise in number of investors will cause a significant liability to the government.
[3][4][5] The Centre for Policy Dialogue (CPD) has asked interest rate to be decreased on saving certificates and the International Monetary Fund (IMF) have asked the government to eventually phase them out.