Dhaka, Dec. 30 -- The net sales of National Savings Certificates (NSCs) experienced a staggering 53.62-percent year-on-year decline during the July-October period of the current fiscal year.

The sharp downturn reflects tightening liquidity conditions and a persistent rise in living costs that continue to sap the capacity of small investors to park funds in government instruments.

According to the latest Bangladesh Bank (BB) data, the net NSC sales plummeted to Tk 23.69 billion in the first four months of FY26, down significantly from Tk 51.08 billion recorded during the same period in FY25.

Analysts attribute this dramatic slide to a "perfect storm" of economic pressures, primarily mounting inflationary heat and a squeeze on disposable...