Enter an amount to see the result.
Short answer: From 21 October 2026, Behbood Savings Certificates pay Rs 1,080 a month on every Rs 100,000 (12.96% a year), Regular Income Certificates pay Rs 1,010 a month (12.12%), and Defence Savings Certificates grow Rs 100,000 to Rs 315,000 in 10 years (11.94%). Filers on the Active Taxpayers List pay 15% withholding tax on profit and non filers pay 30%, while Behbood, Pensioners’ Benefit and Shuhada accounts have no tax deducted at source. Enter your amount above to see gross profit, tax and net profit for each scheme.
Key takeaways
- New National Savings rates apply from 21 October 2026; most schemes went up slightly from the 1 October rates.
- Behbood, Pensioners’ Benefit Account and Shuhada Family Welfare Account pay the highest monthly profit: Rs 1,080 per Rs 100,000.
- Regular Income Certificates pay Rs 1,010 per Rs 100,000 a month, before 15% or 30% tax.
- Defence Savings Certificates pay nothing until you encash, and nothing at all before one full year.
- Being on the Active Taxpayers List halves the tax on your profit, from 30% to 15%.
- Rates changed eight times in 2026, so always check the date shown under the calculator.
How to use this National Savings profit calculator
Pick a scheme, enter the amount, choose whether you are on the Active Taxpayers List (ATL), and see gross profit, tax deducted and net profit. For Defence certificates pick the full years you will hold them; for Short Term certificates pick 3, 6 or 12 months.
I made this because the top Google results in Pakistan for this search were Facebook posts, an old Scribd PDF and mobile apps, and none showed the date of its rates. This tool prints the effective date of every rate under the result.
The amount must match how the scheme is sold: multiples of Rs 50,000 for Regular Income, Rs 5,000 for Behbood, Rs 10,000 for Short Term and Rs 500 for Defence and Special Savings.
National Savings profit rates from 21 October 2026
These rates are from the CDNS rate sheet dated 21-10-2026, cross checked against each scheme’s history PDF. The Savings Account rate has been 10% since 26 May 2026.
| Scheme | Profit on Rs 100,000 | Rate per year | Paid |
|---|---|---|---|
| Behbood Savings Certificates | Rs 1,080 a month | 12.96% | Monthly, 10 years |
| Pensioners’ Benefit Account | Rs 1,080 a month | 12.96% | Monthly, 10 years |
| Shuhada Family Welfare Account | Rs 1,080 a month | 12.96% | Monthly |
| Regular Income Certificates | Rs 1,010 a month | 12.12% | Monthly, 5 years |
| Special Savings Certificates and Account | Rs 6,000 every 6 months (Rs 6,400 for the last) | 12.0% (12.8% last) | Every 6 months, 3 years |
| Defence Savings Certificates | Rs 315,000 after 10 years | 11.94% | On encashment |
| Short Term Savings, 3 months | Rs 2,780 | 11.12% | At maturity |
| Short Term Savings, 6 months | Rs 5,750 | 11.50% | At maturity |
| Short Term Savings, 12 months | Rs 11,720 | 11.72% | At maturity |
| Savings Account | Rs 10,000 a year | 10.00% | Credited on 30 June |
From 1 to 20 October 2026, Behbood paid Rs 1,060, Regular Income Rs 980 and 12 month Short Term Rs 11,310 per Rs 100,000.
How National Savings profit is calculated
CDNS publishes profit as an amount on Rs 100,000. Its own note on the Behbood rate sheet says to divide the table amount by 100,000 and multiply by your investment. The calculator does exactly that:
- Gross profit = your amount ÷ 100,000 × profit on Rs 100,000.
- Tax deducted = gross profit × 15% if you are on the ATL, or × 30% if you are not. For Behbood, Pensioners’ Benefit and Shuhada accounts, tax deducted is zero.
- Net profit = gross profit minus tax deducted.
Example 1: Behbood Savings Certificate on Rs 10 lakh
A retired person aged 60 invests Rs 1,000,000. Profit is 10 × Rs 1,080 = Rs 10,800 a month (Rs 129,600 a year), with no withholding tax deducted.
Example 2: Regular Income Certificate on Rs 10 lakh
Gross profit is 10 × Rs 1,010 = Rs 10,100 a month. A filer pays 15% (Rs 1,515) and receives Rs 8,585. A person not on the ATL pays 30% (Rs 3,030) and receives Rs 7,070. Over 5 years the gap is Rs 90,900.
Example 3: Special Savings Certificate on Rs 10 lakh
Profit is Rs 60,000 every six months for the first five payments and Rs 64,000 for the sixth, Rs 364,000 in total over three years. A filer pays Rs 54,600 in tax across the term and nets Rs 309,400, which is Rs 51,000 per six months and Rs 54,400 for the last payment.
Example 4: Short Term Savings Certificate for 12 months
On Rs 500,000, profit at maturity is 5 × Rs 11,720 = Rs 58,600. A filer pays Rs 8,790 and keeps Rs 49,810. A non filer pays Rs 17,580 and keeps Rs 41,020.
Defence Savings Certificate profit rate by year
Defence Savings Certificates do not pay monthly. The value of the certificate rises each year, and you get the profit when you encash. The official table for certificates from 21 October 2026 gives these values for each Rs 100,000:
| Encashed after | Value of Rs 100,000 | Total profit |
|---|---|---|
| 1 year | Rs 110,000 | 10% |
| 2 years | Rs 121,000 | 21% |
| 3 years | Rs 134,000 | 34% |
| 4 years | Rs 149,000 | 49% |
| 5 years | Rs 167,000 | 67% |
| 6 years | Rs 188,000 | 88% |
| 7 years | Rs 213,000 | 113% |
| 8 years | Rs 242,000 | 142% |
| 9 years | Rs 276,000 | 176% |
| 10 years | Rs 315,000 | 215% |
The headline rate of 11.94% is the compound yield if you hold for the full 10 years. The gain is bigger in later years, so encashing early costs more than it looks. The calculator only models whole years because the official table gives no values in between, and no profit is paid before one complete year.
Worked example: Rs 500,000 held for 10 years becomes Rs 1,575,000. Profit is Rs 1,075,000. A filer pays 15% on the profit (Rs 161,250) at encashment and receives Rs 1,413,750 in cash. If the same certificates are encashed after 3 years by a non filer, the profit is Rs 170,000, tax is Rs 51,000 and net profit is Rs 119,000.
Tax on National Savings profit in 2026-27
Under section 151(1)(a) of the Income Tax Ordinance, National Savings deducts tax from the gross profit each time it pays you. The rate is 15% under Division IA of Part III of the First Schedule, and rule 1 of the Tenth Schedule doubles it to 30% for anyone not on the ATL. FBR’s rate card for 2026-27 shows the same 15% and 30%, and each CDNS scheme page says the rate applies whatever the date or size of your investment.
| Scheme | Filer (on ATL) | Not on ATL | Zakat |
|---|---|---|---|
| Behbood, Pensioners’ Benefit, Shuhada | No tax deducted | No tax deducted | Exempt |
| Regular Income, Short Term | 15% | 30% | Exempt |
| Defence, Special Savings, Savings Account | 15% | 30% | Deducted as per rules |
Why Behbood profit has no tax deducted
Clause (36A) of Part IV of the Second Schedule says section 151(1)(a) does not apply to Behbood Savings Certificates, the Pensioners’ Benefit Account and the Shuhada Family Welfare Account. So the full Rs 1,080 per Rs 100,000 reaches you. The profit is still income, though. Clause (6) of Part III of the Second Schedule caps the tax on it at 5% of the profit, so if your total income makes you taxable, declare this profit in your return. On Rs 10 lakh in Behbood, 5% works out to at most Rs 540 a month.
Get on the ATL before you invest. On Rs 10 lakh in Regular Income Certificates, a non filer loses Rs 1,515 more every month than a filer. If you have taxable income, filing a return costs far less than that. My salary tax calculator shows whether your salary is above the tax free limit.
Is the 15% the final tax?
For most individuals, yes. Section 7B taxes this profit as a separate block at 15%, so the deduction is normally your full tax. Above Rs 5 million of profit on debt in a tax year, section 7B stops applying, the profit joins your normal income and the deduction becomes a minimum tax under section 151(3).
Which scheme fits which person
Eligibility matters more than the rate. The three highest paying schemes are closed to most people:
- Behbood Savings Certificates: senior citizens aged 60 or above, widows who have not remarried, and persons with a disability CNIC. Rs 5,000 to Rs 7.5 million for a single holder, Rs 15 million joint.
- Pensioners’ Benefit Account: pensioners of federal, provincial and AJK governments, the armed forces and autonomous bodies. Rs 10,000 to Rs 7.5 million, one account only. If you are retiring and want to estimate your lump sum first, try my gratuity calculator.
- Shuhada Family Welfare Account: eligible family members of shuhada of the armed forces, law enforcement agencies and civilian victims of terrorism, with a martyrdom certificate. Rs 10,000 to Rs 7.5 million.
- Regular Income Certificates: anyone who needs a fixed monthly income. Minimum Rs 50,000, no maximum, 5 years.
- Defence Savings Certificates: long term savings for a child’s education or marriage where you do not need income now.
- Short Term Savings Certificates: money you will need within a year.
Early exit has a cost: Behbood and Pensioners’ Benefit charge 1% in the first year down to 0.25% in the fourth, and Regular Income 2% down to 0.5%. Special Savings pay no profit within six months.
On National Savings, your filer status can matter as much as the scheme: 15% tax on the ATL, 30% off it.
What this calculator does not include
It leaves out Zakat (2.5% under the Zakat rules on Defence, Special Savings and Savings Account holdings unless you file an exemption declaration; the other schemes are exempt), service charges on early encashment, rate changes during your term (today’s rate is applied to the whole term) and the Sarwa Islamic accounts, which have their own rate sheet. For the Savings Account it assumes your balance stays the same all year.
This is not investment advice. National Savings are backed by the Government of Pakistan, but the real return depends on inflation and on rates that change often. Anyone promising a much higher “guaranteed” monthly profit is a warning sign. Read my scam alert page before you send money to any scheme you found on WhatsApp or Facebook.
Frequently asked questions
What is the Behbood Savings Certificate profit rate in 2026?
12.96% a year from 21 October 2026, which is Rs 1,080 a month on each Rs 100,000. From 1 to 20 October 2026 it was 12.72% (Rs 1,060).
How much profit does Rs 10 lakh earn in Behbood per month?
Rs 10,800 a month at the rate from 21 October 2026, with no withholding tax deducted. The maximum single holder investment of Rs 7.5 million earns Rs 81,000 a month.
What is the Regular Income Certificate profit rate?
12.12% a year from 21 October 2026, or Rs 1,010 a month on each Rs 100,000 before tax. A filer receives Rs 858.50 and a non filer Rs 707 per Rs 100,000 after tax.
What is the Defence Savings Certificate profit rate?
11.94% a year compounded over 10 years for certificates bought from 21 October 2026. Rs 100,000 becomes Rs 110,000 after one year, Rs 167,000 after five and Rs 315,000 after ten, before tax.
How much tax is deducted on National Savings profit?
15% of the profit if you are on the Active Taxpayers List and 30% if you are not. Behbood, Pensioners’ Benefit and Shuhada Family Welfare profit has no tax deducted at source.
How do I calculate National Savings profit myself?
Divide your investment by 100,000 and multiply by the scheme’s profit on Rs 100,000. Then subtract 15% or 30% tax where it applies. For example, Rs 300,000 in Regular Income Certificates gives 3 × Rs 1,010 = Rs 3,030 a month before tax.
How often do National Savings rates change?
Often. Regular Income and Behbood rates changed eight times in 2026 so far: on 5 January, 23 January, 26 May, 10 June, 18 July, 4 September, 1 October and 21 October. I recheck this calculator every month.
Can I invest in Behbood if I am under 60?
Only if you are a widow who has not remarried, a person with a disability CNIC, or a guardian investing for a special minor. Others can choose Regular Income Certificates, which pay monthly at a slightly lower rate.
What is the Special Savings Certificate profit rate?
From 21 October 2026, Rs 6,000 per Rs 100,000 every six months for the first five payments (12% a year) and Rs 6,400 for the sixth (12.8%). Tax of 15% or 30% is deducted, and no profit is paid if you encash within six months.
What is the Short Term Savings Certificate rate?
From 21 October 2026, per Rs 100,000: Rs 2,780 for 3 months, Rs 5,750 for 6 months and Rs 11,720 for 12 months, paid at maturity before 15% or 30% tax.
This calculator gives an estimate based on the Central Directorate of National Savings profit rates effective 21 October 2026 (Savings Account from 26 May 2026) and on section 151, Division IA of Part III of the First Schedule and the Tenth Schedule of the Income Tax Ordinance 2001 as amended up to 30 June 2026. Rates last checked 10 November 2026. It follows the official per Rs 100,000 tables exactly, but it does not cover Zakat, service charges, rate changes during your term, Sarwa Islamic schemes or tax above the withholding amount. Your actual profit is what National Savings pays and FBR assesses. This is not investment advice; for your own case, ask a tax practitioner or your National Savings Centre.