National Savings Profit Calculator (DSC, SSC, Behbood, RIC)
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.
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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 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
- Income Tax Ordinance 2001, s.151 (withholding on profit on debt): FBR
Version 1.0.1 · reviewed 2 Oct 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.