Mar 312013
 

Following Profit Rates are effective from JUNE-2016

Important information regarding national saving schemes://www.opfblog.com/29365/attention-overseas-pakistanis/

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

//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 PeriodPeriodical Profits On Investment of Each Rs.100,000/- After Completion Of
FromTo06- Months01-Year11/2Year2 Years21/2Years03-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-06Rs. 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 PeriodPeriodical Profits On Investment of Each Rs.100,000/- After Completion Of
FromTo06- Months01-Year11/2Year2 Years21/2Years03-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-06Rs. 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.

 

 31 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.

  12. Sir, my question is: if a pensioner or senior citizen deposited deposited 100000 RS 1 lak in buhbood or pensioner account in 2011 at rate prevailing at that time and now he want to deposit an other 1000000 RS 10 laks in same account. will he get monthly income at same rate of 2011 or it will change to present rates. i will be thankful for your reply.

  13. Sir i wanted to know about the best profits rate being given on 10 lakh Rs as i am not an senior citizen

    • For long term investment, Defence Saving Certificates are better option. Please read the following;
      Rate of Return for Defence Saving Certificates
      In this scheme the profit is paid on maturity or encashment for completed years. Every Rs.100,000/- will become Rs.105,000/-, Rs.111,000/-, Rs.118,000/-, Rs.126,000/-, Rs.135,000/-, Rs.145,000/-, Rs.156,000/-, Rs.169,000/-, Rs.185,000/- and Rs.205,000/- on completion of 1, 2, 3, 4, 5, 6, 7, 8, 9 and 10 years, respectively. These rates are effective from 1st Oct, 2016. The average compound rate of return on maturity presently works to 7.44% p.a. For any other time period rates table is also available on website.
      Zakat and Tax
      Exemption of deduction of Withholding tax has been withdrawn w.e.f 01-07-2013 on profit of investment upto Rs.150, 000 . W.e.f. 1st July,2014 the rate of tax to be deducted under Section 151 of Income Tax Ordinance 2001 shall be 10% of the yield or profit for Filers and 17.5% of the yield or profit paid for Non-Filers. Provided that for a non-filer, if the yield or profit paid is rupees five hundred thousand or less, the rate shall be 10%. The Zakat is collected at source as per rules..

  14. NSC Branch made wrong deducted of tax during calculation of profit payment of my DSC and later gave me a certificate of wrong tax deducted amount to claim from tax department. The error was done by NSC and customer has to suffer to hire an Advocate & pay his fee which might exceed than claim amount & wastage of time also. Is it possible that Branch could adjust it in their monthly tax statement which they send to their Regional office on monthly basis & return the wrong deducted amount to the customer. The same was asked the Branch but they refused the proposal. Could you please give me correct answer about my case.

  15. I would like to save 10 lakh on monthly profit. I am widow . what is the best profit rate and procedure?

  16. No where it is mentioned that government has imposed income tax and with holding tax on defence saving certificates as a result people are trapped , after deduction of tax there is nothing left. Government should display tax rates on web sites and boldly at saving schemes offices

  17. This institution is headed by corrupt mafia. If they were serious they would have Dollars Account payable in dollars to overseas or in currency of their choice. The profit payment can easily be made through ATM Cards.
    But these are inept and most incompetent people running these institutions. Shame

  18. Aslam O Alliakum,
    Could you please provide me information regarding Defence saving certificate. I am living in USA last 30 years. Last time on June 4th 2007, I withdrawal my Defence saving certificate and I re-invested Defence Saving Certificate Rs.10 lakh on June 4th 2007. Please keep in mind that i re-invested and the certificate was issued with my same account that originally issued back in 1996. On the back of certificate, Value is printed after 10 years Rs. 5250000.00. Is this correct?
    I need to know what is the face value of Rs. 10 lakh as of today and also what is the process to if I need withdrawal today from USA.
    I did not pay any taxes because living outside Pakistan when I withdrawal on June 4th 2007. Taxes are not allowed to pay if living abroad.
    I will be really appreciate if someone provide me complete information’s
    Thank you and Regards

  19. On my regular income certs I went to cash my interest after 18 month’s as in the mean time Tax rate was increased from 12.5% to 15% prior to 3 month’s they deducted my tax on the entire saving to 15%. as they should have deducted 12.5% for 15 month’s & 15% for 3 months. They said that this is my fault not taking monthly as they were sitting on my interest for 18 month’s. sept-2017

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