How to use the National Savings Profit Calculator
- 1 Enter your investment amount.
- 2 Choose the scheme.
- 3 Enter the withholding tax rate that applies to you.
- 4 Read your monthly profit after tax.
Worked example
Rs 1,000,000 in Behbood Savings Certificates at 12.96%. Yearly profit is Rs 129,600, about Rs 1,080 per lakh a month. After 15% withholding tax, profit is about Rs 110,160 a year, or Rs 9,180 a month. Pensioners' Benefit and Shuhada accounts pay the same rate, while Regular Income Certificates would pay a little less.
Features
Latest rates
Behbood 12.96%, Regular Income 12.12% and more, from 21 October 2026.
Profit per lakh
Monthly profit for every Rs 100,000.
After tax
Profit after withholding tax.
When to use it
Retirees
Plan monthly income from Pensioners' Benefit.
Widows and seniors
Compare Behbood with bank deposits.
Families
Invest savings safely.
Comparing schemes
Choose between monthly and six-monthly profit.
Frequently asked questions
What are the latest National Savings rates?
From 21 October 2026: Behbood, Pensioners' Benefit and Shuhada Family Welfare 12.96%, Regular Income Certificates 12.12%, Special Savings Certificates about 12%, Short Term Savings one year 11.72% and the National Savings Account 10%.
Who can invest in Behbood?
Widows, senior citizens aged 60 or over and disabled persons, up to Rs 7.5 million.
Who can invest in Pensioners' Benefit?
Retired government and other pensioners, up to Rs 7.5 million.
How much is Behbood profit per lakh?
About Rs 1,080 a month before tax at 12.96%.
Is profit taxed?
Yes. Withholding tax is deducted from profit; rates differ for filers and non-filers and some schemes. Check with CDNS.
Do rates change?
Yes. The government revises rates in line with market rates, often every few months. Existing certificates may keep or change rates depending on the scheme.
Is zakat deducted?
Zakat may be deducted from some schemes on the first of Ramadan unless you submit a declaration.
Is National Savings safe?
It is backed by the Government of Pakistan.
Where can I invest?
At National Savings centres across Pakistan and through some banks and online portals.
Can I withdraw early?
Most schemes allow early encashment, but a service charge or lower profit may apply.
How is Behbood profit paid?
Monthly, directly into your account or by cheque at the centre.
Which scheme suits retired people?
Pensioners' Benefit Account and Behbood Savings Certificates pay monthly profit and are among the highest rates, which suits retirees who need regular income.
What is the difference between Special Savings and Regular Income?
Special Savings Certificates pay profit every six months over three years, while Regular Income Certificates pay monthly over five years.
Can profit rates change after I invest?
For some schemes the rate is fixed for the certificate's term, while for others new rates apply to existing investments. Ask the National Savings centre when you invest.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Reviewed by ToolsUnlocked Team · Last updated