National Savings Profit Calculator (Behbood, RIC, DSC)
Monthly and yearly profit on National Savings certificates and accounts at the rates effective 18 July 2026, Behbood, Pensioners' Benefit, Regular Income, Defence Savings, Special Savings, after withholding tax for filers and non-filers.
How this is calculated
National Savings (Qaumi Bachat) schemes pay fixed profit rates set by the Ministry of Finance, revised periodically with government bond yields. Rates effective 18 July 2026:
| Scheme | Rate | Paid | Who |
|---|---|---|---|
| Behbood Savings Certificate | 12.96% | monthly | Seniors 60+, widows, persons with disabilities (max Rs 75 lakh) |
| Pensioners' Benefit Account | 12.96% | monthly | Retired government employees |
| Regular Income Certificate | 11.52% | monthly | Everyone |
| Short Term Savings Certificate | 11.12–11.17% | maturity | Everyone (3/6/12 months) |
| Special Savings Certificate | 11.2% (12.6% 6th) | half-yearly | Everyone |
| Sarwa Islamic Savings Account | 11.10% | monthly | Everyone |
| Defence Savings Certificate | 10.24% | at encashment, compounding | Everyone |
| Savings Account | 10.00% | half-yearly | Everyone |
Tax: profit on debt is withheld at 15% for filers and 35% for non-filers (s.151), adjustable against your income tax. Behbood and Pensioners' Benefit are exempt from withholding and taxed at a concessional rate for filers.
Frequently asked questions
- What is the Behbood certificate profit on 10 lakh?
- At 12.96% a Rs 10 lakh Behbood investment pays Rs 10,800 a month with no withholding tax. It is only open to people aged 60+, widows and persons with disabilities, capped at Rs 75 lakh.
- Which National Savings scheme pays the most?
- Behbood, Pensioners' Benefit and Shuhada Family Welfare at 12.96%: but each is restricted to a group. For everyone else, Regular Income Certificates at 11.52% paid monthly are the highest general scheme.
- Is National Savings profit taxable?
- Yes. It counts as income; tax is withheld at source (15% filer / 35% non-filer) and adjusted when you file. Non-filers lose more than a third of their profit to withholding.
- Can I withdraw early?
- Certificates can be encashed early with a reduced rate or service charge depending on the scheme; Behbood and RIC charge a penalty in the first year. Savings accounts are withdrawable any time.
Sources
- Central Directorate of National Savings: latest profit rates (18 July 2026): National Savings
- Income Tax Ordinance 2001, s.151 (withholding on profit on debt): FBR
Version 1.0.0 · reviewed 15 Sept 2026. Rates change with the Federal Budget and regulator notifications; we update this tool when they do. Confirm with the primary source before making financial decisions.