Current National Savings profit rates
Rates below are those announced by the Central Directorate of National Savings (CDNS) effective 21 October 2026. CDNS revises rates frequently, often every few weeks, in line with government borrowing costs. New rates apply to fresh investments; for monthly-income schemes, check whether your existing certificates are fixed or floating.
| Scheme | Rate (p.a.) | Gross profit on Rs 100,000 |
|---|---|---|
| Behbood Savings Certificates | 12.96% | Rs 1,080 / month |
| Pensioners' Benefit Account | 12.96% | Rs 1,080 / month |
| Shuhada Family Welfare Account | 12.96% | Rs 1,080 / month |
| Regular Income Certificates (RIC) | 12.12% | Rs 1,010 / month |
| Special Savings Certificates (SSC) | 12% | Rs 6,000 / 6 months |
| Defence Savings Certificates (DSC) | 12.16% | Compounds to maturity |
| Short Term Savings Certificate (3 months) | 11.12% | Rs 2,780 at maturity |
| Short Term Savings Certificate (6 months) | 11.5% | Rs 5,750 at maturity |
| Short Term Savings Certificate (12 months) | 11.72% | Rs 11,720 at maturity |
| National Savings Account (savings) | 10% | Rs 833 / month |
Which scheme is for whom?
- Behbood Savings Certificates: for senior citizens aged 60+, widows, and persons with disabilities. Monthly profit, 10-year tenure, upper investment limit per person.
- Pensioners' Benefit Account: for retired government and private pensioners. Monthly profit, same rate as Behbood.
- Shuhada Family Welfare Account: for families of martyrs of the armed forces and law enforcement.
- Regular Income Certificates (RIC): open to all, 5-year tenure, monthly profit; popular with families who need monthly income.
- Special Savings Certificates (SSC): 3-year tenure, profit every six months.
- Defence Savings Certificates (DSC): 10-year certificate, profit accumulates and is paid at encashment. Value grows each year held; the calculator uses an average yearly yield for the period.
- Short Term Savings Certificates: 3, 6 or 12 months, profit at maturity; useful for parking money briefly.
Tax and Zakat
Withholding tax on profit is 15% for active filers and 30% for non-filers under the current rules. Zakat is deducted from most schemes for Muslim investors unless you submit an exemption declaration. Rules for specific welfare schemes can differ; confirm at the National Savings centre.
Things to know before investing
- Early encashment of certificates usually carries a service charge or reduced profit.
- Monthly profit can be credited directly to your bank account.
- Investment limits apply to Behbood and Pensioners' schemes; check the current limit when you invest.
- Your investment is a direct obligation of the Government of Pakistan, which is why these schemes are popular with retirees.
Compare with what a bank pays in the bank profit calculator. Retirees investing their commutation can estimate it with the pension calculator.
Frequently asked questions
What is the Behbood Savings Certificate profit rate?
12.96% a year as of 21 October 2026, which is Rs 1,080 a month gross on every Rs 100,000.
How much monthly profit on Rs 1 million in Behbood?
About Rs 10,800 gross a month, or Rs 9,180 after 15% filer tax.
What is the RIC profit rate?
12.12% a year, paid monthly.
How often do National Savings rates change?
Frequently, sometimes several times a year. Rates apply to new investments from the effective date.
Is tax deducted on National Savings profit?
Yes: 15% for filers and 30% for non-filers, plus Zakat where applicable.