# National Savings Profit Calculator (DSC, SSC, Behbood, RIC)

Source: Searchable (https://searchable.pk/tools/finance/national-savings-calculator)
Type: Calculator
Rates reviewed: 2 Oct 2026
Retrieved: 30 Oct 2026

Profit on Defence Savings (DSC), Special Savings (SSC), Behbood, Regular Income and Pensioners' Benefit certificates at the rates effective 1 October 2026: monthly and yearly, after withholding tax for filers and non-filers.

Version 1.0.1. Inputs: Amount invested, Scheme, Tax status, Years held (for totals).

## Worked example (default inputs)

- Amount invested: 1000000 PKR
- Scheme: ric
- Tax status: filer
- Years held (for totals): 5 years

**Monthly profit after tax: Rs 8,330**

Rs 1,000,000 in Regular Income Certificate earns 11.76% a year, Rs 117,600 gross. Withholding of 15% as a filer leaves Rs 99,960 a year, or Rs 8,330 per month. Over 5 years: Rs 499,800 net.

### Per payout

- Gross profit per month: Rs 9,800
- Withholding tax (15%): − Rs 1,470
- Net paid to you: Rs 8,330

### Over time

- Net per year: Rs 99,960
- Net over 5 years: Rs 499,800
- Principal returned at maturity / encashment: Rs 1,000,000

### Eligibility

- Regular Income Certificate: Anyone; profit paid monthly
- Term: 5 years

## How it 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 **1 October 2026**:

| Scheme | Rate | Paid | Who |
|---|---|---|---|
| Behbood Savings Certificate | 12.72% | monthly | Seniors 60+, widows, persons with disabilities (max Rs 75 lakh) |
| Pensioners' Benefit Account | 12.72% | monthly | Retired government employees |
| Regular Income Certificate | 11.76% | monthly | Everyone |
| Short Term Savings Certificate | 10.80-11.31% | maturity | Everyone (3/6/12 months) |
| Special Savings Certificate | 11.6% (12.9% 6th) | half-yearly | Everyone |
| Sarwa Islamic Savings Account | 11.33% | monthly | Everyone |
| Defence Savings Certificate | 11.80% | 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 12.72% a Rs 10 lakh Behbood investment pays Rs 10,600 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 12.72%: but each is restricted to a group. For everyone else, Regular Income Certificates at 11.76% 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 (sheets effective 1 October 2026) (National Savings): https://savings.gov.pk/latest-profit-rates/
- Income Tax Ordinance 2001, s.151 (withholding on profit on debt) (FBR)

How to cite: "National Savings Profit Calculator (DSC, SSC, Behbood, RIC)", Searchable, rates reviewed 2 Oct 2026, https://searchable.pk/tools/finance/national-savings-calculator