Pakistan National Saving Schemes: Profit Rates

Following Profit Rates are effective from JUNE-2016

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

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

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

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

Effective PeriodRate
(% p.a.)
Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000/- On Completion Of
FromTo1st Year2 Years3 Years4 Years5 Years6Years7 Years8 Years9 Years10 Years
25-Nov-9312-Nov-9616.00%113,000    128,000    147,000    170,000    198,000    232,000    272,000    319,000    375,000441,000
13-Nov-9613-May-9918.04%114,500    132,000    153,000    178,000    208,000    246,000    294,000    354,000    429,000525,000
14-May-9931-Dec-9915.97%112,000    130,000    150,000    172,000    200,000    232,000    270,000    316,000    380,000440,000
01-Jan-0030-Jun-0015.01%111,000    128,000    146,000    166,000    192,000    221,000    253,000    295,000    352,000405,000
01-Jul-0030-Jun-0114.01%109,000    121,000    138,000    157,000    184,000    210,000    238,000    275,000    322,000371,000
01-Jul-0131-Dec-0115.01%110,000    123,000    142,000    162,000    192,000    221,000    254,000    295,000    348,000   405,000
01-Jan-0230-Jun-0214.13%109,000    121,000    138,000    157,000    184,000    210,000    238,000    275,000    322,000   375,000
01-Jul-0231-Dec-0211.61%107,000    115,000    124,000    135,000    149,000    165,000    186,000    210,000    250,000   300,000
01-Jan-0330-Jun-0310.03%106,000    113,000    121,000    130,000    140,000    154,000    171,000    192,000    222,000   260,000
01-Jul-0331-Dec-038.50%105,000    111,000    118,000    126,000    135,000    145,000    157,000    174,000    197,000   226,000
01-Jan-0421-Jun-047.96%104,000    109,000    114,000    120,000    127,000    138,000    150,000    165,000    188,000   215,000
22-Jun-0430-Jun-047.96%104,000    109,000    114,000    120,000    127,000    138,000    150,000    165,000    188,000   215,000
01-Jul-0430-Jun-058.20%104,000    109,000    115,000    120,000    130,000    139,000    150,000    166,000    189,000   219,000
01-Jul-0505-Jun-069.46%105,000    112,000    119,000    128,000    138,000    150,000    163,000    183,000    211,000   247,000
05-Jun-0622-Jun-0710.03%106,000    113,000    121,000    130,000    140,000    154,000    171,000    192,000    222,000   260,000
23-Jun-0723-Jun-0810.15%107,000    116,000    126,000    138,000    151,000    166,000    184,000    206,000    232,000   263,000
24-Jun-0830-Sep-1012.15%108,000    118,000    129,000    142,000    158,000    177,000    201,000    230,000    265,000   315,000
01-Oct-1031-Dec-1012.60%108,000    117,000    128,000    140,000    158,000    180,000    210,000    245,000    285,000   327,630
01-Jan-1130-Sep-1113.55%108,000    117,000128,000  142,000160,000183,000213,000251,000298,000356,000
01-Oct-1131-Dec-1112.68%107,000    115,000125,000  138,000155,000176,000202,000235,000277,000330,000
01-Jan-1231-Mar-1211.90%105,500    112,000120,000  131,000146,000166,000191,000222,000260,000308,000
01-Apr-1230-Jun-1212.33%107,000    115,000125,000  138,000155,000176,000202,000234,000273,000320,000
01-Jul-1226-Aug-1212.68%107,000    115,000125,000  138,000155,000176,000202,000235,000277,000330,000
27-Aug-1211-Oct-1211.50%107,000    115,000124,000  135,000148,000165,000187,000215,000251,000297,000
12-Oct-1231-Dec-1211.04%106,000    113,000121,000  131,000144,000161,000182,000208,000242,000285,000
01-Jan-1330-Jun-1310.84%106,000    113,000121,000  131,000144,000160,000180,000205,000238,000280,000
01-Jul-1330-Sep-1310.36%106,000    113,000121,000  130,000140,000153,000170,000192,000224,000268,000
01-Oct-1331-Dec-1311.61%106,000    113,000122,000  133,000147,000164,000185,000210,000245,000300,000
01-Jan-1430-Sep-1412.26%106,000    113,000122,000  134,000149,000168,000192,000223,000264,000318,000
01-Oct-1430-Nov-1412.75%106,000    113,000122,000  134,000150,000171,000198,000233,000277,000332,000
01-Dec-1431-Jan-1511.08%106,000    113,000121,000  131,000144,000161,000182,000208,000242,000286,000
01-Feb-1531-Mar-159.50%105,000    111,000117,000  124,000133,000145,000162,000184,000212,000248,000
01-Apr-1531-May-158.92%105,000    111,000118,000  126,000135,000146,000160,000178,000203,000235,000
01-Jun-1531-Jul-158.68%105,000    111,000118,000  126,000135,000146,000160,000178,000201,000230,000
01-Aug-1530-Sep-159.15%105,000    111,000118,000  126,000135,000146,000160,000178,000204,000240,000
01-Oct-1530-Nov-158.87%105,000    111,000118,000  126,000135,000146,000160,000178,000202,000234,000
01-Dec-1531-Jan-168.68%105,000    111,000118,000  126,000135,000146,000160,000178,000201,000230,000
01-Feb-1631-Mar-168.40%105,000    111,000118,000  126,000135,000146,000159,000175,000196,000224,000
01-Apr-1631-May-167.80%105,000    111,000118,000  126,000135,000145,000157,000172,000190,000212,000
01-Jun-16Till Date7.70%105,000    111,000118,000  126,000135,000145,000157,000171,000188,000210,000

 

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

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
FromTo06- Months01-Year1/2 Year2 Years1/2 Years03-Years
13-Nov-9613-May-99Rate (% 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-9931-Dec-99Rate (% 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-0030-May-00Rate (% 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-0030-Jun-00Rate (% 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-0030-Jun-01Rate (% 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-0131-Dec-01Rate (% 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-0230-Jun-02Rate (% 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-0231-Dec-02Rate (% 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-0330-Jun-03Rate (% 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-0331-Dec-03Rate (% 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-0430-Jun-04Rate (% 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-0431-Dec-04Rate (% 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-0530-Jun-05Rate (% 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-0504-Jun-06Rate (% 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-0622-Jun-07Rate (% 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-0723-Jun-08Rate (% 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-0830-Sep-08Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.50%
Profit (PKR)5,500.005,500.005,500.005,500.005,500.006,250.00
01-Oct-0831-Nov-08Rate (% p.a.)12.8%12.8%12.8%12.8%12.8%14%
Profit (PKR)640064006400640064007000.00
01-Dec-0831-Mar-09       
Profit (PKR)720072007200720072007600.00
01-Apr-0930-Jun-09       
Profit (PKR)650065006500650065007100.00
01-Jul-0930-Sep-10       
Profit (PKR)580058005800580058006000.00
01-Oct-1031-Dec-10Rate (% p.a.)12%12%12%12%12%12.80%
Profit (PKR)600060006000600060006400
01-Jan-1130-Sep-11Rate (% p.a.)13.20%13.20%13.20%13.20%13.20%14.00%
Profit (PKR)660066006600660066007000
01-Oct-1131-Dec-11Rate (% p.a.)12.40%12.40%12.40%12.40%12.40%13.00%
Profit (PKR)620062006200620062006500
01-Jan-1231-Mar-12Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%12.00%
Profit (PKR)580058005800580058006000
01-Apr-1230-Jun-12Rate (% p.a.)11.80%11.80%11.80%11.80%11.80%12.20%
Profit (PKR)590059005900590059006100
01-Jul-1226-Aug-12Rate (% p.a.)11.90%11.90%11.90%11.90%11.90%12.60%
Profit (PKR)595059505950595059506300
27-Aug-1211-Oct-12Rate (% p.a.)10.70%10.70%10.70%10.70%10.70%11.30%
Profit (PKR)535053505350535053505650
12-Oct-1231-Dec-12Rate (% p.a.)9.90%9.90%9.90%9.90%9.90%10.50%
Profit (PKR)495049504950495049505250
01-Jan-1330-Jun-13Rate (% p.a.)9.70%9.70%9.70%9.70%9.70%10.30%
Profit (PKR)485048504850485048505150
01-Jul-1330-Sep-13Rate (% p.a.)8.80%8.80%8.80%8.80%8.80%9.50%
Profit (PKR)440044004400440044004750
01-Oct-1331-Dec-13Rate (% p.a.)10.60%10.60%10.60%10.60%10.60%11.50%
Profit (PKR)530053005300530053005750
01-Jan-1430-Sep-14Rate (% p.a.)11.40%11.40%11.40%11.40%11.40%12.00%
Profit (PKR)570057005700570057006000
01-Oct-1430-Nov-14Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%13.40%
Profit (PKR)580058005800580058006700
01-Dec-1431-Jan-15Rate (% p.a.)9.60%9.60%9.60%9.60%9.60%11.20%
Profit (PKR)480048004800480048005600
01-Feb-1531-Mar-15Rate (% p.a.)8.20%8.20%8.20%8.20%8.20%9.70%
Profit (PKR)410041004100410041004850
01-Apr-1531-May-15Rate (% p.a.)7.60%7.60%7.60%7.60%7.60%8.80%
Profit (PKR)380038003800380038004400
01-Jun-1531-Jul-15Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Aug-1530-Sep-15Rate (% p.a.)7.40%7.40%7.40%7.40%7.40%8.80%
Profit (PKR)370037003700370037004400
01-Oct-1530-Nov-15Rate (% p.a.)6.80%6.80%6.80%%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Dec-1531-Jan-16Rate (% p.a.)6.40%6.40%6.40%%6.40%6.40%7.60%
Profit (PKR)320032003200320032003800
01-Feb-1631-Mar-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400
01-Apr-1631-May-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.40%
Profit (PKR)300030003000300030003200
01-Jun-16Till DateRate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400

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  – REGULAR INCOME CERTIFICATES (RIC)

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

Effective PeriodMonthly Profit
on Each
Rs.100,000/-

(Rs)

Rate
(% p.a.)
FromTo
13-Nov-9606-Jan-971,300.0015.60%
07-Jan-9713-May-991,500.0018.00%
14-May-9931-Dec-991,333.0016.00%
01-Jan-0030-Jun-001,166.6614.00%
01-Jul-0030-Jun-021,040.0012.48%
01-Jul-0231-Dec-02880.0010.56%
01-Jan-0330-Jun-03760.009.12%
01-Jul-0331-Dec-03640.007.68%
01-Jan-0430-Jun-04580.006.96%
01-Jul-0431-Dec-04570.006.84%
01-Jan-0530-Jun-05570.006.84%
01-Jul-0504-Jun-06740.008.88%
05-Jun-0622-Jun-07770.009.24%
23-Jun-0723-Jun-08795.009.54%
24-Jun-0830-Sep-08960.0011.52%
01-Oct-0830-Nov-081108.0013.30%
01-Dec-0831-03-091250.0015.00%
01-Apr-0930-Jun-091133.0013.60%
01-Jul-0930-Sep-101000.0012.00%
01-Oct-1031-Dec-101030.0012.36%
01-Jan-1130-Sep-111120.0013.44%
01-Oct-1131-Dec-111050.0012.60%
01-Jan-1231-Mar-12980.0011.76%
01-Apr-1230-Jun-121010.0012.12%
01-Jul-1226-Aug-121030.0012.36%
27-Aug-1211-Oct-12920.0011.04%
12-Oct-1231-Dec-12880.0010.56%
01-Jan-1330-Jun-13864.0010.36%
01-Jul-1330-Oct-13790.009.48%
01-Oct-1331-Dec-13935.0011.22%
01-Jan-1430-Sep-14990.0011.88%
01-Oct-1430-Nov-141025.0012.30%
01-Dec-1431-Jan-15846.0010.15%
01-Feb-1531-Mar-15746.008.952%
01-Apr-1531-May-15686.008.232%
01-Jun-1531-Jul-15634.007.608%
01-Aug-1530-Sep-15710.008.52%
01-Oct-1530-Nov-15654.007.848%
01-Dec-1531-Jan-16628.007.536%
01-Feb-1631-Mar-16592.007.104%
01-Apr-1631-May-16552.676.632%
01-Jun-16Till Date546.006.552%

 

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.

 

 

ROFIT RATES  – BAHBOOD SAVINGS CERTIFICATES (BSC)

Rates Applicable On Bahbood Savings Certificates

Effective PeriodMonthly Profit
on Each
Rs.100,000/-

(Rs)

Rate
(% p.a.)
FromTo
01-Jul-0330-Jun-05  Rs. 840.0010.08%
01-Jul-0504-Jun-06  Rs. 920.0011.04%
05-Jun-0622-Jun-07  Rs. 960.0011.52%
23-Jun-0723-Jun-08  Rs. 970.0011.64%
24-Jun-0830-Sep-08  Rs. 1130.0013.56%
01-Oct-0830-Nov-08  Rs. 1250.0015.00%
01-Dec-0831-Mar-09  Rs. 1400.0016.80%
01-Apr-0930-Jun-09  Rs. 1342.0016.10%
01-Jul-0930-Sep-10  Rs. 1180.0014.16%
01-Oct-1031-Dec-10  Rs. 1220.0014.64%
01-Jan-1130-Sep-11  Rs. 1280.0015.36%
01-Oct-1131-Dec-11  Rs. 1200.0014.40%
01-Jan-1231-Mar-12  Rs. 1155.0013.86%
01-Apr-1230-Jun-12  Rs. 1190.0014.28%
01-Jul-1226-Aug-12  Rs. 1220.0014.64%
27-Aug-1211-Oct-12  Rs. 1125.0013.50%
12-Oct-1231-Dec-12  Rs. 1080.0012.96%
01-Jan-1330-Jun-13  Rs. 1060.0012.72%
01-Jul-1330-Sep-13  Rs. 1020.0012.24%
01-Oct-1331-Dec-13  Rs. 1120.0013.44%
01-Jan-1430-Nov-14  Rs. 1170.0014.04%
01-Dec-1431-Jan-15  Rs. 1060.0012.72%
01-Feb-1531-Mar-15  Rs. 940.0011.28%
01-Apr-1531-May-15  Rs. 900.0010.80%
01-Jun-1531-Jul-15  Rs. 880.0010.56%
01-Aug-1530-Sep-15  Rs. 920.0011.04%
01-Oct-1530-Nov-15  Rs. 900.0010.80%
01-Dec-1531-Jan-16  Rs. 880.0010.56%
01-Feb-1631-Mar-16  Rs. 860.0010.32%
01-Apr-16Till Date  Rs. 800.009.60%

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 – 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
FromTo06- Months01-Year1/2 Year2 Years1/2 Years03-Years
13-Nov-9613-May-99Rate (% 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-9931-Dec-99Rate (% 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-0030-May-00Rate (% 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-0030-Jun-00Rate (% 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-0030-Jun-01Rate (% 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-0131-Dec-01Rate (% 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-0230-Jun-02Rate (% 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-0231-Dec-02Rate (% 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-0330-Jun-03Rate (% 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-0331-Dec-03Rate (% 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-0430-Jun-04Rate (% 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-0431-Dec-04Rate (% 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-0530-Jun-05Rate (% 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-0504-Jun-06Rate (% 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-0622-Jun-07Rate (% 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-0723-Jun-08Rate (% 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-0830-Sep-08Rate (% p.a.)11.00%11.00%11.00%11.00%11.00%12.50%
Profit (PKR)5,500.005,500.005,500.005,500.005,500.006,250.00
01-Oct-0831-Nov-08Rate (% p.a.)12.8%12.8%12.8%12.8%12.8%14%
Profit (PKR)640064006400640064007000.00
01-Dec-0831-Mar-09       
Profit (PKR)720072007200720072007600.00
01-Apr-0930-Jun-09       
Profit (PKR)650065006500650065007100.00
01-Jul-0930-Sep-10       
Profit (PKR)580058005800580058006000.00
01-Oct-1031-Dec-10Rate (% p.a.)12%12%12%12%12%12.80%
Profit (PKR)600060006000600060006400
01-Jan-1130-Sep-11Rate (% p.a.)13.20%13.20%13.20%13.20%13.20%14.00%
Profit (PKR)660066006600660066007000
01-Oct-1131-Dec-11Rate (% p.a.)12.40%12.40%12.40%12.40%12.40%13.00%
Profit (PKR)620062006200620062006500
01-Jan-1231-Mar-12Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%12.00%
Profit (PKR)580058005800580058006000
01-Apr-1230-Jun-12Rate (% p.a.)11.80%11.80%11.80%11.80%11.80%12.20%
Profit (PKR)590059005900590059006100
01-Jul-1226-Aug-12Rate (% p.a.)11.90%11.90%11.90%11.90%11.90%12.60%
Profit (PKR)595059505950595059506300
27-Aug-1211-Oct-12Rate (% p.a.)10.70%10.70%10.70%10.70%10.70%11.30%
Profit (PKR)535053505350535053505650
12-Oct-1231-Dec-12Rate (% p.a.)9.90%9.90%9.90%9.90%9.90%10.50%
Profit (PKR)495049504950495049505250
01-Jan-1330-Jun-13Rate (% p.a.)9.70%9.70%9.70%9.70%9.70%10.30%
Profit (PKR)485048504850485048505150
01-Jul-1330-Sep-13Rate (% p.a.)8.80%8.80%8.80%8.80%8.80%9.50%
Profit (PKR)440044004400440044004750
01-Oct-1331-Dec-13Rate (% p.a.)10.60%10.60%10.60%10.60%10.60%11.50%
Profit (PKR)530053005300530053005750
01-Jan-1430-Sep-14Rate (% p.a.)11.40%11.40%11.40%11.40%11.40%12.00%
Profit (PKR)570057005700570057006000
01-Oct-1430-Nov-14Rate (% p.a.)11.60%11.60%11.60%11.60%11.60%13.40%
Profit (PKR)580058005800580058006700
01-Dec-1431-Jan-15Rate (% p.a.)9.60%9.60%9.60%9.60%9.60%11.20%
Profit (PKR)480048004800480048005600
01-Feb-1531-Mar-15Rate (% p.a.)8.20%8.20%8.20%8.20%8.20%9.70%
Profit (PKR)410041004100410041004850
01-Apr-1531-May-15Rate (% p.a.)7.60%7.60%7.60%7.60%7.60%8.80%
Profit (PKR)380038003800380038004400
01-Jun-1531-Jul-15Rate (% p.a.)6.80%6.80%6.80%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Aug-1530-Sep-15Rate (% p.a.)7.40%7.40%7.40%7.40%7.40%8.80%
Profit (PKR)370037003700370037004400
01-Oct-1530-Nov-15Rate (% p.a.)6.80%6.80%6.80%%6.80%6.80%8.00%
Profit (PKR)340034003400340034004000
01-Dec-1531-Jan-16Rate (% p.a.)6.40%6.40%6.40%%6.40%6.40%7.60%
Profit (PKR)320032003200320032003800
01-Feb-1631-Mar-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400
01-Apr-1631-May-16Rate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.40%
Profit (PKR)300030003000300030003200
01-Jun-16Till DateRate (% p.a.)6.00%6.00%6.00%%6.00%6.00%6.80%
Profit (PKR)300030003000300030003400

 

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  – PENSIONERS BENEFIT ACCOUNT

Rates Applicable On Pensioners’ Benefit Account

Effective PeriodMonthly Profit
on Each
Rs.100,000/-
Rate
(% p.a.)
FromTo
20-Jan-0330-Jun-03  Rs. 920.0011.04%
01-Jul-0330-Jun-05  Rs. 840.0010.08%
01-Jul-0504-Jun-06  Rs. 920.0011.04%
05-Jun-0622-Jun-07  Rs. 960.0011.52%
23-Jun-0723-Jun-08  Rs. 970.0011.64%
24-Jun-0830-Sep-08  Rs. 1130.0013.56%
01-Oct-0830-Nov-08  Rs. 1250.0015.00%
01-Dec-0831-Mar-09  Rs. 1400.0016.80%
01-Apr-0930-Jun-09  Rs. 1342.0016.10%
01-Jul-0930-Sep-10  Rs. 1180.0014.16%
01-Oct-1031-Dec-10  Rs. 1220.0014.64%
01-Jan-1130-Sep-11  Rs. 1280.0015.36%
01-Oct-1131-Dec-11  Rs. 1200.0014.40%
01-Jan-1231-Mar-12  Rs. 1155.0013.86%
01-Apr-1230-Jun-12  Rs. 1190.0014.28%
01-Jul-1226-Aug-12  Rs. 1220.0014.64%
27-Aug-1211-Oct-12  Rs. 1125.0013.50%
12-Oct-1231-Dec-12  Rs. 1080.0012.96%
01-Jan-1330-Jun-13  Rs. 1060.0012.72%
01-Jul-1330-Sep-13  Rs. 1020.0012.24%
01-Oct-1331-Dec-13  Rs. 1120.0013.44%
01-Jan-1430-Nov-14  Rs. 1170.0014.04%
01-Dec-1431-Jan-15  Rs. 1060.0012.72%
01-Feb-1531-Mar-15  Rs. 940.0011.28%
01-Apr-1531-May-15  Rs. 900.0010.80%
01-Jun-1531-Jul-15  Rs. 880.0010.56%
01-Aug-1530-Sep-15  Rs. 920.0011.04%
01-Oct-1530-Nov-15  Rs. 900.0010.80%
01-Dec-1531-Jan-16  Rs. 880.0010.56%
01-Feb-1631-Mar-16  Rs. 860.0010.32%
01-Apr-16Till Date  Rs. 800.009.60%

 

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 Comments

  1. Fazal Wadood Khan

    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. Qasim Zia

    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

  3. aslam

    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

    1. Raheem

      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.

  4. Khuaja

    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?

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