Mar 312013
 

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

7.96% 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

30-Jun-13

10.84% 106,000     113,000 121,000   131,000 144,000 160,000 180,000 205,000 238,000

280,000

01-Jul-13

30-Sep-13

10.36% 106,000     113,000 121,000   130,000 140,000 153,000 170,000 192,000 224,000

268,000

01-Oct-13

Till Date

11.61% 106,000     113,000 122,000   133,000 147,000 164,000 185,000 210,000 245,000

300,000

 

 

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

1/2 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

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

30-Jun-13

Rate (% p.a.) 9.70% 9.70% 9.70% 9.70% 9.70% 10.30%
Profit (PKR) 4850 4850 4850 4850 4850 5150

01-Jul-13

30-Sep-13

Rate (% p.a.) 8.80% 8.80% 8.80% 8.80% 8.80% 9.50%
Profit (PKR) 4400 4400 4400 4400 4400 4750

01-Oct-13

Till Date

Rate (% p.a.) 10.60% 10.60% 10.60% 10.60% 10.60% 11.50%
Profit (PKR) 5300 5300 5300 5300 5300 5750

 

 

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

30-Jun-13

864.00

10.36%

01-Jul-13

30-Oct-13

790.00

9.48%

01-Oct-13

Till Date

935.00

11.22%

 

 

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   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 30-Sep-11   Rs. 1280.00 15.36%
01-Oct-11 31-Dec-11   Rs. 1200.00 14.40%
01-Jan-12 31-Mar-12   Rs. 1155.00 13.86%
01-Apr-12 30-Jun-12   Rs. 1190.00 14.28%
01-Jul-12 26-Aug-12   Rs. 1220.00 14.64%
27-Aug-12 11-Oct-12   Rs. 1125.00 13.50%
12-Oct-12 31-Dec-12   Rs. 1080.00 12.96%
01-Jan-13 30-Jun-13   Rs. 1060.00 12.72%
01-Jul-13 30-Sep-13   Rs. 1020.00 12.24%
01-Oct-13 Till Date   Rs. 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.

 

  20 Responses to “Pakistan National Saving Schemes: Profit Rates”

  1. 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.

  2. I purchased 7 certificates each with a face value of 1 lakh. In 1993 how much are they worth today ?

  3. Salam I put 5 lakh aft pension & 2.5 million in behbood scheme, My question is can I put 5 lakh more in behbood scheme ? Thanx

  4. Thank you very much 4 reply

  5. Aslam o Aliakum sir, my question is Regular income certificate nw rate is RS,935 but after tax Hw mch net profit is pls ? Thanx

  6. Dear sir , how much withholding tax deduct on (RIC) profit rate is RS 935 ? & how much net amount left after tax deduct ? Thank you

  7. Regarding BSC,
    (i) what is required for documentation to register to purchese BSC;
    (ii) How an overseas Pakistani can apply, if abroad;
    (iii) How to transfer the amount to purchase BSC (if abroad);
    (iv) Is profit withdrawal possible on monthly basis;
    v) If profit stays there, will it be considered to agreegate the principal, for further profit,
    vi) Withdrawal of profit only by the geneuine depositor or his dependent may receive;
    vii) Possibility of encashment of of BSC at any time

    Thanks

  8. sir I m Pakistani living in uae and I want to know my father is pensioner in Pakistan and he has 1 account in national saving for pensioner and in that account he has 2.5 million Pakistani rupees I want to know can he open new account to invest 2.5 million again in pensioner saving scheme is it allow able thanks

  9. Can I claim profit on earned profit on Bahboodi Certificate purchased in 2009

    • At the prevailing rates monthly profit of Rs.1120/- is paid on investment of each Rs.100,000/-. This way the profit rate works to 13.44% p.a. Automatic reinvestment of profit facility to earn further profit is not admissible in this scheme at the scheme’s rate. The monthly profit, if not drawn on due date shall not earn further profit.

  10. if both husband and wife jointly invest in Behbood Saving Certificate, both of them are above 65 years. the maximum limit would be 6 million in that case?

    3 million limit is for one person right?

  11. I want to change the nominee of my BSC. Would it be possible..?

    • Mustafa Kamal sahib
      Since profit on BSC is paid on monthly basis, you can en-cash and reinvest in someone else’s name provided, he/she is also a senior citizen.

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