National Savings profit rates
قومی بچت سکیموں کی شرح منافع
Effective 21 October 2026 · Central Directorate of National Savings
Profit calculator
Zakat (2.5%) is not deducted in this estimate; it is taken once a year from some schemes on the 1st of Ramadan.
All rates (from 21 October 2026)
| Scheme | Rate a year | Per Rs 100,000 | Tenure |
|---|---|---|---|
| Behbood Savings Certificates | 12.96% | Rs 1,080 a month | 10 years |
| Pensioners' Benefit Account | 12.96% | Rs 1,080 a month | 10 years |
| Shuhada Family Welfare Account | 12.96% | Rs 1,080 a month | 10 years |
| Regular Income Certificates | 12.12% | Rs 1,010 a month | 5 years |
| Special Savings Certificates / Account | 12% (12.8% last profit) | Rs 6,000 every 6 months | 3 years |
| Short Term Savings Certificates (3 months) | 11.12% | Rs 2,780 at maturity | 3 months |
| Short Term Savings Certificates (6 months) | 11.5% | Rs 5,750 at maturity | 6 months |
| Short Term Savings Certificates (1 year) | 11.72% | Rs 11,720 at maturity | 1 year |
| Savings Account | 10% | Rs 833.33 a month (about) | No fixed term |
| Sarwa Islamic Term Account (1 year) | 11.84% | Rs 11,840 at maturity | 1 year |
| Sarwa Islamic Term Account (3 years) | 12.1% | Rs 6,050 every 6 months | 3 years |
| Sarwa Islamic Term Account (5 years) | 12.12% | Rs 1,010 a month | 5 years |
| Sarwa Islamic Savings Account | 11.84% | Rs 986.67 a month (about) | No fixed term |
Defence Savings Certificates
| Encashed after | Total profit | Rs 100,000 becomes |
|---|---|---|
| 1 year | 10% | Rs 110,000 |
| 2 years | 21% | Rs 121,000 |
| 3 years | 34% | Rs 134,000 |
| 4 years | 49% | Rs 149,000 |
| 5 years | 67% | Rs 167,000 |
| 6 years | 88% | Rs 188,000 |
| 7 years | 113% | Rs 213,000 |
| 8 years | 142% | Rs 242,000 |
| 9 years | 176% | Rs 276,000 |
| 10 years | 215% | Rs 315,000 |
Before tax. No profit is paid if the certificate is encashed within the first year.
Who can invest, and limits
| Scheme | Who | Minimum | Maximum | Tax withheld |
|---|---|---|---|---|
| Behbood Savings Certificates | Widows, senior citizens (60+) and persons with disabilities | Rs 5,000 | Rs 7.5 million (15 million joint) | None |
| Pensioners' Benefit Account | Retired government employees (pensioners) | Rs 10,000 | Rs 7.5 million | None |
| Shuhada Family Welfare Account | Families of shuhada of the armed forces, police and civilians | Rs 10,000 | Rs 7.5 million | None |
| Regular Income Certificates | Everyone | Rs 50,000 | No limit | 15% / 30% |
| Special Savings Certificates / Account | Everyone | Rs 500 | No limit | 15% / 30% |
| Short Term Savings Certificates | Everyone | Rs 10,000 | No limit | 15% / 30% |
| Savings Account | Everyone | Rs 100 | No limit | 15% / 30% |
| Sarwa Islamic Term Account | Everyone (Shariah-compliant) | – | – | 15% / 30% |
| Sarwa Islamic Savings Account | Everyone (Shariah-compliant) | – | – | 15% / 30% |
Behbood monthly profit in 2026
| From | Per Rs 100,000 a month |
|---|---|
| 21 Oct 2026 | Rs 1,080 |
| 1 Oct 2026 | Rs 1,060 |
| 4 Sep 2026 | Rs 1,050 |
| 18 Jul 2026 | Rs 1,080 |
| 10 Jun 2026 | Rs 1,100 |
| 23 Jan 2026 | Rs 1,000 |
Questions
What is the Behbood Savings Certificate profit rate now?
Behbood Savings Certificates pay 12.96% a year from 21 October 2026, which is Rs 1,080 a month on every Rs 100,000. The same rate applies to the Pensioners' Benefit Account and the Shuhada Family Welfare Account.
Is tax deducted on National Savings profit?
Withholding tax of 15% for filers and 30% for non-filers is deducted from the profit of most schemes. No tax is withheld on Behbood Savings Certificates, the Pensioners' Benefit Account and the Shuhada Family Welfare Account; their profit is taxed at a reduced rate under the Second Schedule of the Income Tax Ordinance.
Which National Savings scheme gives the highest profit?
Right now the highest monthly rate is 12.96% (Behbood, Pensioners and Shuhada, for those who qualify). For everyone else, Regular Income Certificates pay 12.12% monthly, Special Savings 12% to 12.8% every six months, and Short Term certificates up to 11.72% for one year.
How often do the rates change?
The Finance Division revises National Savings rates in line with market yields and the State Bank policy rate, often several times a year. New rates apply to new investments; for most certificates, profit on existing ones is paid at the rate fixed when you invested.
Is Zakat deducted?
Zakat at 2.5% is deducted on the 1st of Ramadan from Defence Savings Certificates, Special Savings, the Savings Account and Sarwa Islamic Savings Account, unless you file a Zakat exemption declaration (CZ-50). Behbood, Pensioners', Shuhada, Regular Income and Short Term certificates are exempt.
Source: National Savings profit rates (savings.gov.pk) and the FBR withholding tax rate card 2026-27. Rates change often; the profit on your certificate is the rate printed on it. Dareecha is not a government website and does not give investment advice.
