Following are the latest profit rates on National Saving Schemes effective from 1st January 2011;

Profit rates on saving schemes are being reduced effective from 1st January 2012;

http://www.overseaspakistanis.net/189/pakistan-national-saving-schemes-reduced-profit-rates-effective-from-1-jan-2012/

 

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

 

Historical Rates Remained Applicable On Defense Savings Certificates

 

 From 25th November, 1993 Onwards

 

 

 

Effective Period Rate
(% p.a.)
Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000/- On Completion Of
From To 1st Year 2 Years 3 Years 4 Years 5 Years 6Years 7 Years 8 Years 9 Years 10 Years
25-Nov-93 12-Nov-96 16.00% 113,000     128,000     147,000     170,000     198,000     232,000     272,000     319,000     375,000 441,000
13-Nov-96 13-May-99 18.04% 114,500     132,000     153,000     178,000     208,000     246,000     294,000     354,000     429,000 525,000
14-May-99 31-Dec-99 15.97% 112,000     130,000     150,000     172,000     200,000     232,000     270,000     316,000     380,000 440,000
01-Jan-00 30-May-00 15.01% 111,000     128,000     146,000     166,000     192,000     221,000     253,000     295,000     352,000 405,000
31-May-00 30-Jun-00 14.01% 109,000     121,000     138,000     157,000     184,000     210,000     238,000     275,000     322,000 371,000
01-Jul-01 31-Dec-01 15.01% 110,000     123,000     142,000     162,000     192,000     221,000     254,000     295,000     348,000    405,000
01-Jan-02 30-Jun-02 14.13% 109,000     121,000     138,000     157,000     184,000     210,000     238,000     275,000     322,000    375,000
01-Jul-02 31-Dec-02 11.61% 107,000     115,000     124,000     135,000     149,000     165,000     186,000     210,000     250,000    300,000
01-Jan-03 30-Jun-03 10.03% 106,000     113,000     121,000     130,000     140,000     154,000     171,000     192,000     222,000    260,000
01-Jul-03 31-Dec-03 8.50% 105,000     111,000     118,000     126,000     135,000     145,000     157,000     174,000     197,000    226,000
01-Jan-04 21-Jun-04 7.96% 104,000     109,000     114,000     120,000     127,000     138,000     150,000     165,000     188,000    215,000
22-Jun-04 30-Jun-04 8.15% 104,000     109,000     114,000     120,000     127,000     138,000     150,000     165,000     188,000    215,000
01-Jul-04 30-Jun-05 8.20% 104,000     109,000     115,000     120,000     130,000     139,000     150,000     166,000     189,000    219,000
01-Jul-05 05-Jun-06 9.46% 105,000     112,000     119,000     128,000     138,000     150,000     163,000     183,000     211,000    247,000
05-Jun-06 22-Jun-07 10.03% 106,000     113,000     121,000     130,000     140,000     154,000     171,000     192,000     222,000    260,000
23-Jun-07 23-Jun-08 10.15% 107,000     116,000     126,000     138,000     151,000     166,000     184,000     206,000     232,000    263,000
24-Jun-08 30-Sep-10 12.15% 108,000     118,000     129,000     142,000     158,000     177,000     201,000     230,000     265,000    315,000
01-Oct-10 31-Dec-10 12.60% 108,000     117,000     128,000     140,000     158,000     180,000     210,000     245,000     285,000    327,630
01-Jan-11 Till date 13.55% 108,000     117,000 128,000   142,000 160,000 183,000 213,000 251,000 298,000 356,000

 

 

 

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily

 

calculate your investment

 

by dividing the relevant amount of the table with 100,000 and then multiplying with the

 

amount you have invested.

 

 

 

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

 

Historical Rates Remained Applicable On Special Savings Certificates

 

 (Regd.)/ Accounts From 13th November, 1996 Onwards

 

 

 

Effective Period

 

Periodical Profits On Investment of Each Rs.100,000/- After Completion Of

From

To

06- Months

01-Year

1/2 Year

2 Years

1/2 Years

03-Years

13-Nov-96

13-May-99

Rate (% p.a.)

16.00%

16.00%

16.00%

16.00%

16.00%

18.00%

Profit (PKR)

            8,000.00

            8,000.00

            8,000.00

            8,000.00

            8,000.00

            9,000.00

14-May-99

31-Dec-99

Rate (% p.a.)

14.00%

14.00%

14.00%

14.00%

14.00%

16.00%

Profit (PKR)

            7,000.00

            7,000.00

            7,000.00

            7,000.00

            7,000.00

            8,000.00

01-Jan-00

30-May-00

Rate (% p.a.)

12.00%

12.00%

12.00%

12.00%

12.00%

14.00%

Profit (PKR)

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            7,000.00

31-May-00

30-Jun-00

Rate (% p.a.)

12.00%

12.00%

12.00%

12.00%

12.00%

14.00%

Profit (PKR)

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            7,000.00

01-Jul-00

30-Jun-01

Rate (% p.a.)

11.00%

11.00%

11.00%

11.00%

11.00%

12.00%

Profit (PKR)

            5,500.00

            5,500.00

            5,500.00

            5,500.00

            5,500.00

            6,000.00

01-Jul-01

31-Dec-01

Rate (% p.a.)

12.20%

12.20%

12.20%

12.20%

12.20%

13.20%

Profit (PKR)

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,600.00

01-Jan-02

30-Jun-02

Rate (% p.a.)

12.20%

12.20%

12.20%

12.20%

12.20%

13.20%

Profit (PKR)

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,600.00

01-Jul-02

31-Dec-02

Rate (% p.a.)

10.30%

10.30%

10.30%

10.30%

10.30%

11.30%

Profit (PKR)

            5,150.00

            5,150.00

            5,150.00

            5,150.00

            5,150.00

            5,650.00

01-Jan-03

30-Jun-03

Rate (% p.a.)

8.50%

8.50%

8.50%

8.50%

8.50%

9.50%

Profit (PKR)

            4,250.00

            4,250.00

            4,250.00

            4,250.00

            4,250.00

            4,750.00

01-Jul-03

31-Dec-03

Rate (% p.a.)

7.50%

7.50%

7.50%

7.50%

7.50%

8.50%

Profit (PKR)

            3,750.00

            3,750.00

            3,750.00

            3,750.00

            3,750.00

            4,250.00

01-Jan-04

30-Jun-04

Rate (% p.a.)

7.00%

7.00%

7.00%

7.00%

7.00%

8.00%

Profit (PKR)

            3,500.00

            3,500.00

            3,500.00

            3,500.00

            3,500.00

            4,000.00

01-Jul-04

31-Dec-04

Rate (% p.a.)

6.80%

6.80%

6.80%

6.80%

6.80%

7.70%

Profit (PKR)

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,850.00

01-Jan-05

30-Jun-05

Rate (% p.a.)

6.80%

6.80%

6.80%

6.80%

6.80%

7.70%

Profit (PKR)

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,850.00

01-Jul-05

04-Jun-06

Rate (% p.a.)

8.40%

8.40%

8.40%

8.40%

8.40%

9.60%

Profit (PKR)

            4,200.00

            4,200.00

            4,200.00

            4,200.00

            4,200.00

            4,800.00

05-Jun-06

22-Jun-07

Rate (% p.a.)

9.00%

9.00%

9.00%

9.00%

9.00%

10.00%

Profit (PKR)

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            5,000.00

23-Jun-07

23-Jun-08

Rate (% p.a.)

9.00%

9.00%

9.00%

9.00%

9.00%

10.50%

Profit (PKR)

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            5,250.00

 24-Jun-08

30-Sep-08

Rate (% p.a.)

11.00%

11.00%

11.00%

11.00%

11.00%

12.50%

Profit (PKR)

5,500.00

5,500.00

5,500.00

5,500.00

5,500.00

6,250.00

01-Oct-08

31-Nov-08

Rate (% p.a.) 12.8% 12.8% 12.8% 12.8% 12.8% 14%
Profit (PKR) 6400 6400 6400 6400 6400 7000.00

01-Dec-08

31-Mar-09

Profit (PKR) 7200 7200 7200 7200 7200 7600.00

01-Apr-09

30-Jun-09

Profit (PKR) 6500 6500 6500 6500 6500 7100.00

01-Jul-09

30-Sep-10

Profit (PKR) 5800 5800 5800 5800 5800 6000.00

01-Oct-10

31-Dec-10

Rate (% p.a.) 12% 12% 12% 12% 12% 12.80%
Profit (PKR) 6000 6000 6000 6000 6000 6400

01-Jan-11

Till date

Rate (% p.a.) 13.20% 13.20% 13.20% 13.20% 13.20% 14.00%
Profit (PKR) 6600 6600 6600 6600 6600 7000

 

 

 

 

 

 

 

 

 

PROFIT RATES  – REGULAR INCOME CERTIFICATES (RIC)

 

Historical Rates Remained Applicable On Regular Income

 

Certificates From 13th November, 1996 Onwards

 

Effective Period

Monthly Profit 
on Each
 
Rs.100,000/-

(Rs)

Rate 
(% p.a.)

From

To

13-Nov-96

06-Jan-97

1,300.00

15.60%

07-Jan-97

13-May-99

1,500.00

18.00%

14-May-99

31-Dec-99

1,333.00

16.00%

01-Jan-00

30-Jun-00

1,166.66

14.00%

01-Jul-00

30-Jun-02

1,040.00

12.48%

01-Jul-02

31-Dec-02

880.00

10.56%

01-Jan-03

30-Jun-03

760.00

9.12%

01-Jul-03

31-Dec-03

640.00

7.68%

01-Jan-04

30-Jun-04

580.00

6.96%

01-Jul-04

31-Dec-04

570.00

6.84%

01-Jan-05

30-Jun-05

570.00

6.84%

01-Jul-05

04-Jun-06

740.00

8.88%

05-Jun-06

22-Jun-07

770.00

9.24%

23-Jun-07

23-Jun-08

795.00

9.54%

24-Jun-08

30-Sep-08

960.00

11.52%

01-Oct-08

30-Nov-08

1108.00

13.30%

01-Dec-08

31-03-09

1250.00

15.00%

01-Apr-09

30-Jun-09

1133.00

13.60%

01-Jul-09

30-Sep-10

1000.00

12.00%

01-Oct-10

31-Dec-10

1030.00

12.36%

01-Jan-11

Till Date

1120.00

13.44%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.

 

You can easily calculate profit on your investment by dividing the relevant amount

 

of the table with 100,000 and then multiplying with the amount you have invested.

 

 

 

PROFIT RATES  – BAHBOOD SAVINGS CERTIFICATES (BSC)

 

Rates Applicable On Bahbood Savings Certificates 

 

 

 

Effective Period

Monthly Profit 
on Each
 
Rs.100,000/-

(Rs)

Rate 
(% p.a.)

From

To

01-Jul-03

30-Jun-05

 840.00

10.08%

01-Jul-05

04-Jun-06

 920.00

11.04%

05-Jun-06

22-Jun-07

 960.00

11.52%

23-Jun-07

23-Jun-08

 970.00

11.64%

24-Jun-08

30-Sep-08

 1130.00

13.56%

01-Oct-08

30-Nov-08

1250.00

15.00%

01-Dec-08

31-Mar-09

1400.00

16.80%

01-Apr-09

30-Jun-09

1342.00

16.10%

01-Jul-09

30-Sep-10

1180.00

14.16%

01-Oct-10

31-Dec-10

1220.00

14.64%

01-Jan-11

Till date

1280.00

15.36%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.  You can easily

 

calculate profit on your investment by dividing the relevant amount of the table with 100,000

 

and then multiplying with the amount you have invested.

 

 

 

PROFIT RATES  – SAVINGS ACCOUNT

 

Historical Rates Remained Applicable On Savings Account From1st January, 2000 Onwards

 

 

 

Rate Remained Applicable During The Period

Accounts without Cheque facility
(%p.a.)

Accounts with Cheque facility
(%p.a.)

From

To

01-Jan-00 30-Jun-00 8.75% 8.25%
01-Jul-00 30-Jun-01 7.00% 6.50%
01-Jul-01 30-Jun-02 7.80% 7.30%
01-Jul-02 31-Dec-02 7.00% 6.50%
01-Jan-03 30-Jun-03 5.00% 4.50%
01-Jul-03 30-Jun-05 4.00% 3.50%
01-Jul-05 04-Jun-2006 5.00% 4.50%
05-Jun-06 22-Jun-07 6.00% 5.50%
23-Jun-07 23-Jun-08 6.50% 6.00%
24-Jun-08 30-Sep-08 8.50% 8.00%
01-Oct-08 30-Nov-08 9.00% 8.50%
01-Dec-08 31-Mar-09 10.00% 9.50%
01-Apr-09 30-Jun-09 9.00% 8.50%
01-Jul-09 30-Sep-10 8.50% 8.00%
01-Oct-10 31-Dec-2010 8.75% 8.00%
01-Jan-11 Till Date 9.00% 9.00%

 

 

 

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

 

Historical Rates Remained Applicable On Special Savings Certificates (Regd.)/

 

 Accounts

 

 From 13th November, 1996 Onwards

 

 

 

Effective Period

 

Periodical Profits On Investment of Each Rs.100,000/- After Completion Of

From

To

06- Months

01-Year

1/2 Year

2 Years

1/2 Years

03-Years

13-Nov-96

13-May-99

Rate (% p.a.)

16.00%

16.00%

16.00%

16.00%

16.00%

18.00%

Profit (PKR)

            8,000.00

            8,000.00

            8,000.00

            8,000.00

            8,000.00

            9,000.00

14-May-99

31-Dec-99

Rate (% p.a.)

14.00%

14.00%

14.00%

14.00%

14.00%

16.00%

Profit (PKR)

            7,000.00

            7,000.00

            7,000.00

            7,000.00

            7,000.00

            8,000.00

01-Jan-00

30-May-00

Rate (% p.a.)

12.00%

12.00%

12.00%

12.00%

12.00%

14.00%

Profit (PKR)

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            7,000.00

31-May-00

30-Jun-00

Rate (% p.a.)

12.00%

12.00%

12.00%

12.00%

12.00%

14.00%

Profit (PKR)

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            6,000.00

            7,000.00

01-Jul-00

30-Jun-01

Rate (% p.a.)

11.00%

11.00%

11.00%

11.00%

11.00%

12.00%

Profit (PKR)

            5,500.00

            5,500.00

            5,500.00

            5,500.00

            5,500.00

            6,000.00

01-Jul-01

31-Dec-01

Rate (% p.a.)

12.20%

12.20%

12.20%

12.20%

12.20%

13.20%

Profit (PKR)

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,600.00

01-Jan-02

30-Jun-02

Rate (% p.a.)

12.20%

12.20%

12.20%

12.20%

12.20%

13.20%

Profit (PKR)

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,100.00

            6,600.00

01-Jul-02

31-Dec-02

Rate (% p.a.)

10.30%

10.30%

10.30%

10.30%

10.30%

11.30%

Profit (PKR)

            5,150.00

            5,150.00

            5,150.00

            5,150.00

            5,150.00

            5,650.00

01-Jan-03

30-Jun-03

Rate (% p.a.)

8.50%

8.50%

8.50%

8.50%

8.50%

9.50%

Profit (PKR)

            4,250.00

            4,250.00

            4,250.00

            4,250.00

            4,250.00

            4,750.00

01-Jul-03

31-Dec-03

Rate (% p.a.)

7.50%

7.50%

7.50%

7.50%

7.50%

8.50%

Profit (PKR)

            3,750.00

            3,750.00

            3,750.00

            3,750.00

            3,750.00

            4,250.00

01-Jan-04

30-Jun-04

Rate (% p.a.)

7.00%

7.00%

7.00%

7.00%

7.00%

8.00%

Profit (PKR)

            3,500.00

            3,500.00

            3,500.00

            3,500.00

            3,500.00

            4,000.00

01-Jul-04

31-Dec-04

Rate (% p.a.)

6.80%

6.80%

6.80%

6.80%

6.80%

7.70%

Profit (PKR)

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,850.00

01-Jan-05

30-Jun-05

Rate (% p.a.)

6.80%

6.80%

6.80%

6.80%

6.80%

7.70%

Profit (PKR)

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,400.00

            3,850.00

01-Jul-05

04-Jun-06

Rate (% p.a.)

8.40%

8.40%

8.40%

8.40%

8.40%

9.60%

Profit (PKR)

            4,200.00

            4,200.00

            4,200.00

            4,200.00

            4,200.00

            4,800.00

05-Jun-06

22-Jun-07

Rate (% p.a.)

9.00%

9.00%

9.00%

9.00%

9.00%

10.00%

Profit (PKR)

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            5,000.00

23-Jun-07

23-Jun-08

Rate (% p.a.)

9.00%

9.00%

9.00%

9.00%

9.00%

10.50%

Profit (PKR)

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            4,500.00

            5,250.00

 24-Jun-08

30-Sep-08

Rate (% p.a.)

11.00%

11.00%

11.00%

11.00%

11.00%

12.50%

Profit (PKR)

5,500.00

5,500.00

5,500.00

5,500.00

5,500.00

6,250.00

01-Oct-08

31-Nov-08

Rate (% p.a.) 12.8% 12.8% 12.8% 12.8% 12.8% 14%
Profit (PKR) 6400 6400 6400 6400 6400 7000.00

01-Dec-08

31-Mar-09

Profit (PKR) 7200 7200 7200 7200 7200 7600.00

01-Apr-09

30-Jun-09

Profit (PKR) 6500 6500 6500 6500 6500 7100.00

01-Jul-09

30-Sep-10

Profit (PKR) 5800 5800 5800 5800 5800 6000.00

01-Oct-10

31-Dec-10

Rate (% p.a.) 12% 12% 12% 12% 12% 12.80%
Profit (PKR) 6000 6000 6000 6000 6000 6400

01-Jan-11

Till date

Rate (% p.a.) 13.20% 13.20% 13.20% 13.20% 13.20% 14.00%
Profit (PKR) 6600 6600 6600 6600 6600 7000

 

 

 

PROFIT RATES  – PENSIONERS BENEFIT ACCOUNT

 

Rates Applicable On Pensioners’ Benefit Account

 

 

 

Effective Period

Monthly Profit 
on Each
 
Rs.100,000/-

Rate 
(% p.a.)

From

To

20-Jan-03 30-Jun-03   Rs. 920.00 11.04%
01-Jul-03 30-Jun-05   Rs. 840.00 10.08%
01-Jul-05 04-Jun-06   Rs. 920.00 11.04%
05-Jun-06 22-Jun-07   Rs. 960.00 11.52%
23-Jun-07 23-Jun-08   Rs. 970.00 11.64%
24-Jun-08 30-Sep-08   Rs. 1130.00 13.56%
01-Oct-08 30-Nov-08   Rs. 1250.00 15.00%
01-Dec-08 31-Mar-09   Rs. 1400.00 16.80%
01-Apr-09 30-Jun-09   Rs. 1342.00 16.10%
01-Jul-09 30-Sep-10   Rs. 1180.00 14.16%
01-Oct-10 31-Dec-10

Rs. 1220.00

14.64%
01-Jan-11 Till date   Rs. 1280.00 15.36%

 

 

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.

 

You can easily calculate profit on your investment by dividing the relevant

 

amount of the table with 100,000 and then multiplying with the amount

 

you have invested.


 

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  4 Responses to “Pakistan National Saving schemes profit rates”

  1. Please let me know the sailent features of any scheme for widows with rate of profit details.

  2. The profit rate on all National Saving Schemes should be 1% higher on Foreign Remittance (through banking channel) than local funds investment to attract “OVER SEAS PAKISTANIS” to invest their money in National Saving Schemes.

    Best regards,
    Aabid Hussain Aabid
    M.Com. LLB
    Finance Manager
    De-Opti Multinational Group of Companies
    Jeddah KSA

  3. Kindly Let me know I want to deposit an amount for profit but not for a fixed time period. How and in what type of investmetn I need? which may be easy to encash any time.

  4. I want to invest 5milion.pl tell me profit margin,what is the procedure.i am working abroad.

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