National Savings profit rates up from 21 October: Behbood now Rs 1,080 a month per lakh
Second rise in three weeks: Behbood, PBA and SFWA go to 12.96%, Regular Income Certificates to 12.12% and Special Savings to 12%. Here is what Rs 100,000 now earns in each scheme.
National savings profit rates (قومی بچت) went up again on Wednesday 21 October 2026, three weeks after the 1 October rise. The Central Directorate of National Savings (CDNS) issued a revised schedule that lifts every major scheme except the ordinary Savings Account, Dawn reported this morning. The new rates apply to money invested from today.
The new rates, scheme by scheme
| Scheme | Old rate | New rate from 21 October | Rs 100,000 now pays |
|---|---|---|---|
| Behbood Savings Certificate, Pensioners' Benefit Account, Shuhada Family Welfare Account | 12.72% | 12.96% | Rs 1,080 a month (was Rs 1,060) |
| Regular Income Certificate | 11.76% | 12.12% | Rs 1,010 a month (was Rs 980) |
| Special Savings Certificate / Account | 11.60% | 12.00% (12.80% in the sixth payment) | Rs 6,000 every six months, Rs 6,400 in the last |
| Short Term Savings Certificate, 3 months | 10.80% | 11.12% | Rs 2,780 at maturity |
| Sarwa Islamic Savings Account | 11.33% | 11.84% | |
| Sarwa Islamic Term Account | 11.33% to 11.70% | 11.84% to 12.12% | depends on term |
| Savings Account | 10.00% | 10.00% | unchanged |
Longer Short Term Savings Certificates now pay up to 11.72%.
Defence Savings Certificates
Defence Savings Certificates are quoted as total profit by the year you cash in, and every step went up:
- After 6 years: 88% (was 86%)
- After 7 years: 113% (was 109%)
- After 8 years: 142% (was 136%)
- After 9 years: 176% (was 168%)
- After 10 years: 215% (was 205%)
So Rs 100,000 put in today grows to Rs 315,000 if held for the full ten years, Rs 10,000 more than under the 1 October sheet.
What it means for you
The monthly-income schemes are where most savers sit. On Rs 1 million in Behbood, the monthly payment rises from Rs 10,600 to Rs 10,800. On Rs 1 million in a Regular Income Certificate it rises from Rs 9,800 to Rs 10,100, before tax.
This is the second increase in a row. CDNS cut rates on 4 September, raised them on 1 October and has now raised them again, following the climb in market interest rates. Track the benchmark on our KIBOR page and the SBP policy rate page.
The new rates are for new investments. Before you cash in an older certificate to reinvest at the higher rate, ask your National Savings Centre what breaking it early would cost; on a long-term certificate the penalty can wipe out the gain.
Tax
Dawn reports withholding tax on the profit of 15% for filers and 30% for non-filers, with Zakat deducted where the rules require it. Behbood, PBA and SFWA are treated more lightly: our National Savings profit rates guide explains how, scheme by scheme.
Work out your own figure
Put your amount into our National Savings calculator, and compare every scheme side by side on the National Savings comparison page. The CDNS rate sheets are posted at savings.gov.pk; at the time of writing the site still showed the 1 October sheets.
Frequently asked questions
- What is the Behbood Savings Certificate profit rate from 21 October 2026?
- 12.96% a year, or Rs 1,080 a month on each Rs 100,000, up from 12.72% (Rs 1,060).
- How much does a Regular Income Certificate pay per lakh now?
- Rs 1,010 a month on each Rs 100,000 (12.12% a year) from 21 October 2026, before tax.
Sources
- Profit rates on National Savings schemes increased from Oct 21: Dawn
- Latest profit rates: Central Directorate of National Savings
Related reading
Economy
National Savings profit rates cut: Behbood down to Rs 1,050 a month per lakh
The new rate sheet took effect on 4 September. Behbood and the Pensioners' Benefit Account drop to 12.60 percent, Regular Income Certificates to 11.16 percent, and one scheme actually went up.
20 Sept 2026
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