Following Profit Rates are effective from January 1, 2013
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 | 30-Sep-11 | 13.55% | 108,000 | 117,000 | 128,000 | 142,000 | 160,000 | 183,000 | 213,000 | 251,000 | 298,000 | 356,000 |
| 01-Oct-11 | 31-Dec-11 | 12.68% | 107,000 | 115,000 | 125,000 | 138,000 | 155,000 | 176,000 | 202,000 | 235,000 | 277,000 | 330,000 |
| 01-Jan-12 | 31-Mar-12 | 11.90% | 105,500 | 112,000 | 120,000 | 131,000 | 146,000 | 166,000 | 191,000 | 222,000 | 260,000 | 308,000 |
| 01-Apr-12 | 30-Jun-12 | 12.33% | 107,000 | 115,000 | 125,000 | 138,000 | 155,000 | 176,000 | 202,000 | 234,000 | 273,000 | 320,000 |
| 01-Jul-12 | 26-Aug-12 | 12.68% | 107,000 | 115,000 | 125,000 | 138,000 | 155,000 | 176,000 | 202,000 | 235,000 | 277,000 | 330,000 |
| 27-Aug-12 | 11-Oct-12 | 11.50% | 107,000 | 115,000 | 124,000 | 135,000 | 148,000 | 165,000 | 187,000 | 215,000 | 251,000 | 297,000 |
| 12-Oct-12 | 31-Dec-12 | 11.04% | 106,000 | 113,000 | 121,000 | 131,000 | 144,000 | 161,000 | 182,000 | 208,000 | 242,000 | 285,000 |
| 01-Jan-13 | Till date | 10.84% | 106,000 | 113,000 | 121,000 | 131,000 | 144,000 | 160,000 | 180,000 | 205,000 | 238,000 | 280,000 |
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 1/2 Year | 2 Years | 2 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 | 30-Sep-11 | Rate (% p.a.) | 13.20% | 13.20% | 13.20% | 13.20% | 13.20% | 14.00% |
| Profit (PKR) | 6600 | 6600 | 6600 | 6600 | 6600 | 7000 | ||
| 01-Oct-11 | 31-Dec-11 | Rate (% p.a.) | 12.40% | 12.40% | 12.40% | 12.40% | 12.40% | 13.00% |
| Profit (PKR) | 6200 | 6200 | 6200 | 6200 | 6200 | 6500 | ||
| 01-Jan-12 | 31-Mar-12 | Rate (% p.a.) | 11.60% | 11.60% | 11.60% | 11.60% | 11.60% | 12.00% |
| Profit (PKR) | 5800 | 5800 | 5800 | 5800 | 5800 | 6000 | ||
| 01-Apr-12 | 30-Jun-12 | Rate (% p.a.) | 11.80% | 11.80% | 11.80% | 11.80% | 11.80% | 12.20% |
| Profit (PKR) | 5900 | 5900 | 5900 | 5900 | 5900 | 6100 | ||
| 01-Jul-12 | 26-Aug-12 | Rate (% p.a.) | 11.90% | 11.90% | 11.90% | 11.90% | 11.90% | 12.60% |
| Profit (PKR) | 5950 | 5950 | 5950 | 5950 | 5950 | 6300 | ||
| 27-Aug-12 | 11-Oct-12 | Rate (% p.a.) | 10.70% | 10.70% | 10.70% | 10.70% | 10.70% | 11.30% |
| Profit (PKR) | 5350 | 5350 | 5350 | 5350 | 5350 | 5650 | ||
| 12-Oct-12 | 31-Dec-12 | Rate (% p.a.) | 9.90% | 9.90% | 9.90% | 9.90% | 9.90% | 10.50% |
| Profit (PKR) | 4950 | 4950 | 4950 | 4950 | 4950 | 5250 | ||
| 01-Jan-13 | Till Date | Rate (% p.a.) | 9.70% | 9.70% | 9.70% | 9.70% | 9.70% | 10.30% |
| Profit (PKR) | 4850 | 4850 | 4850 | 4850 | 4850 | 5150 | ||
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 | 30-Sep-11 | 1120.00 | 13.44% |
| 01-Oct-11 | 31-Dec-11 | 1050.00 | 12.60% |
| 01-Jan-12 | 31-Mar-12 | 980.00 | 11.76% |
| 01-Apr-12 | 30-Jun-12 | 1010.00 | 12.12% |
| 01-Jul-12 | 26-Aug-12 | 1030.00 | 12.36% |
| 27-Aug-12 | 11-Oct-12 | 920.00 | 11.04% |
| 12-Oct-12 | 31-Dec-12 | 880.00 | 10.56% |
| 01-Jan-13 | Till date | 864.00 | 10.36% |
PROFIT RATES – BAHBOOD SAVINGS CERTIFICATES (BSC)
| 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 | 30-Sep-11 | 1280.00 | 15.36% |
| 01-Oct-11 | 31-Dec-11 | 1200.00 | 14.40% |
| 01-Jan-12 | 31-Mar-12 | 1155.00 | 13.86% |
| 01-Apr-12 | 30-Jun-12 | 1190.00 | 14.28% |
| 01-Jul-12 | 26-Aug-12 | 1220.00 | 14.64% |
| 27-Aug-12 | 11-Oct-12 | 1125.00 | 13.50% |
| 12-Oct-12 | 31-Dec-12 | 1080.00 | 12.96% |
| 01-Jan-13 | Till Date | 1060.00 | 12.72% |
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.
On Behbood is there any deduction and what is the limit of amount. l am interested in it and on monthly basis. Wish to invest upto 5 million I m overseas Pakistani.
Maximum limit three million rupees.No tax and zakat deduction.