Mar 312013
 

Following Profit Rates are effective from January-2015

 

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

Historical Rates Remained Applicable On Defense Savings Certificates from 25th November, 1993 Onwards

For detailed information, please visit National Savings website at the following link;

http://savings.gov.pk/index.asp

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-Jun-00 15.01% 111,000 128,000 146,000 166,000 192,000 221,000 253,000 295,000 352,000 405,000
01-Jul-00 30-Jun-01 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 31-Dec-13 11.61% 106,000 113,000 122,000 133,000 147,000 164,000 185,000 210,000 245,000 300,000
01-Jan-14 30-Sep-14 12.26% 106,000 113,000 122,000 134,000 149,000 168,000 192,000 223,000 264,000 318,000
01-Oct-14 30-Nov-14 12.75% 106,000 113,000 122,000 134,000 150,000 171,000 198,000 233,000 277,000 332,000
01-Dec-14 31-Jan-15 11.08% 106,000 113,000 121,000 131,000 144,000 161,000 182,000 208,000 242,000 286,000
01-Feb-15 Till Date 9.50% 105,000 111,000 117,000 124,000 133,000 145,000 162,000 184,000 212,000 248,000

 

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 31-Dec-13 Rate (% p.a.) 10.60% 10.60% 10.60% 10.60% 10.60% 11.50%
Profit (PKR) 5300 5300 5300 5300 5300 5750
01-Jan-14 30-Sep-14 Rate (% p.a.) 11.40% 11.40% 11.40% 11.40% 11.40% 12.00%
Profit (PKR) 5700 5700 5700 5700 5700 6000
01-Oct-14 30-Nov-14 Rate (% p.a.) 11.60% 11.60% 11.60% 11.60% 11.60% 13.40%
Profit (PKR) 5800 5800 5800 5800 5800 6700
01-Dec-14 31-Jan-15 Rate (% p.a.) 9.60% 9.60% 9.60% 9.60% 9.60% 11.20%
Profit (PKR) 4800 4800 4800 4800 4800 5600
01-Feb-15 Till Date Rate (% p.a.) 8.20% 8.20% 8.20% 8.20% 8.20% 9.70%
Profit (PKR) 4100 4100 4100 4100 4100 4850

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 31-Dec-13 935.00 11.22%
01-Jan-14 30-Sep-14 990.00 11.88%
01-Oct-14 30-Nov-14 1025.00 12.30%
01-Dec-14 31-Jan-15 846.00 10.15%
01-Feb15 Till Date 746.00 8.952%


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 31-Dec-13   Rs. 1120.00 13.44%
01-Jan-14 30-Nov-14   Rs. 1170.00 14.04%
01-Dec-14 31-Jan-15   Rs. 1060.00 12.72%
01-Feb-15 Till Date   Rs. 940.00 11.28%

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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  21 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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