Mar 312013
 

Following Profit Rates are effective from December-2014

 

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

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

 

 

Effective Period Rate Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000/- On Completion Of
From To (% p.a.) 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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-Jul-05 5-Jun-06 9.46% 105,000     112,000     119,000     128,000     138,000     150,000     163,000     183,000     211,000    247,000
5-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-Dec-14 Till Date 11.08% 106,000     113,000 121,000   131,000 144,000 161,000 182,000 208,000 242,000 286,000

 

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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-Jul-05 4-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
5-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
1-Oct-08 31-Nov-08 Rate (% p.a.) 12.80% 12.80% 12.80% 12.80% 12.80% 14%
Profit (PKR) 6400 6400 6400 6400 6400 7000
1-Dec-08 31-Mar-09
Profit (PKR) 7200 7200 7200 7200 7200 7600
1-Apr-09 30-Jun-09
Profit (PKR) 6500 6500 6500 6500 6500 7100
1-Jul-09 30-Sep-10
Profit (PKR) 5800 5800 5800 5800 5800 6000
1-Oct-10 31-Dec-10 Rate (% p.a.) 12% 12% 12% 12% 12% 12.80%
Profit (PKR) 6000 6000 6000 6000 6000 6400
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-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
1-Dec-14 Till Date Rate (% p.a.) 9.60% 9.60% 9.60% 9.60% 9.60% 11.20%
Profit (PKR) 4800 4800 4800 4800 4800 5600

 

PROFIT RATES  – REGULAR INCOME CERTIFICATES (RIC)

Historical Rates Remained Applicable On Regular Income Certificates from 13th November, 1996 Onwards

Effective Period Monthly Profit Rate
on Each (% p.a.)
Rs.100,000/-
From To (Rs)
13-Nov-96 6-Jan-97 1,300.00 15.60%
7-Jan-97 13-May-99 1,500.00 18.00%
14-May-99 31-Dec-99 1,333.00 16.00%
1-Jan-00 30-Jun-00 1,166.66 14.00%
1-Jul-00 30-Jun-02 1,040.00 12.48%
1-Jul-02 31-Dec-02 880 10.56%
1-Jan-03 30-Jun-03 760 9.12%
1-Jul-03 31-Dec-03 640 7.68%
1-Jan-04 30-Jun-04 580 6.96%
1-Jul-04 31-Dec-04 570 6.84%
1-Jan-05 30-Jun-05 570 6.84%
1-Jul-05 4-Jun-06 740 8.88%
5-Jun-06 22-Jun-07 770 9.24%
23-Jun-07 23-Jun-08 795 9.54%
24-Jun-08 30-Sep-08 960 11.52%
1-Oct-08 30-Nov-08 1108 13.30%
1-Dec-08 31-03-09 1250 15.00%
1-Apr-09 30-Jun-09 1133 13.60%
1-Jul-09 30-Sep-10 1000 12.00%
1-Oct-10 31-Dec-10 1030 12.36%
1-Jan-11 30-Sep-11 1120 13.44%
1-Oct-11 31-Dec-11 1050 12.60%
1-Jan-12 31-Mar-12 980 11.76%
1-Apr-12 30-Jun-12 1010 12.12%
1-Jul-12 26-Aug-12 1030 12.36%
27-Aug-12 11-Oct-12 920 11.04%
12-Oct-12 31-Dec-12 880 10.56%
1-Jan-13 30-Jun-13 864 10.36%
1-Jul-13 30-Oct-13 790 9.48%
1-Oct-13 31-Dec-13 935 11.22%
1-Jan-14 30-Sep-14 990 11.88%
1-Oct-14 30-Nov-14 1025 12.30%
1-Dec-14 Till Date 846 10.15%

 

PROFIT RATES  – BAHBOOD SAVINGS CERTIFICATES (BSC)

 

Effective Period Monthly Profit Rate
on Each (% p.a.)
Rs.100,000/-
From To (Rs)
1-Jul-03 30-Jun-05   Rs. 840.00 10.08%
1-Jul-05 4-Jun-06   Rs. 920.00 11.04%
5-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%
1-Oct-08 30-Nov-08   Rs. 1250.00 15.00%
1-Dec-08 31-Mar-09   Rs. 1400.00 16.80%
1-Apr-09 30-Jun-09   Rs. 1342.00 16.10%
1-Jul-09 30-Sep-10   Rs. 1180.00 14.16%
1-Oct-10 31-Dec-10   Rs. 1220.00 14.64%
1-Jan-11 30-Sep-11   Rs. 1280.00 15.36%
1-Oct-11 31-Dec-11   Rs. 1200.00 14.40%
1-Jan-12 31-Mar-12   Rs. 1155.00 13.86%
1-Apr-12 30-Jun-12   Rs. 1190.00 14.28%
1-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%
1-Jan-13 30-Jun-13   Rs. 1060.00 12.72%
1-Jul-13 30-Sep-13   Rs. 1020.00 12.24%
1-Oct-13 31-Dec-13   Rs. 1120.00 13.44%
1-Jan-14 30-Nov-14   Rs. 1170.00 14.04%
1-Dec-14 Till Date   Rs. 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.
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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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