Sep 252008
 

Following are NSS profit rates effective from October2012

Defense Saving Certificates profit rate

 

Effective Period Rate
(% p.a.)
Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000/- On Completion Of
From To 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
01-Jan-00 30-May-00 15.01% 111,000     128,000     146,000     166,000     192,000     221,000     253,000     295,000     352,000 405,000
31-May-00 30-Jun-00 14.01% 109,000     121,000     138,000     157,000     184,000     210,000     238,000     275,000     322,000 371,000
01-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
01-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
01-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
01-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
01-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
01-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 8.15% 104,000     109,000     114,000     120,000     127,000     138,000     150,000     165,000     188,000    215,000
01-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
01-Jul-05 05-Jun-06 9.46% 105,000     112,000     119,000     128,000     138,000     150,000     163,000     183,000     211,000    247,000
05-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
01-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
01-Jan-11 30-Sep-2011 13.55% 108,000     117,000 128,000   142,000 160,000 183,000 213,000 251,000 298,000 356,000
01-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
01-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
01-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
01-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 Till date 11.04% 106,000     113,000 121,000   131,000 144,000 161,000 182,000 208,000 242,000 285,000

 

 

Behbood Saving

 

Effective Period Monthly Profit
on Each
Rs.100,000/-

(Rs)

Rate
(% p.a.)
From To
01-Jul-03 30-Jun-05  840.00 10.08%
01-Jul-05 04-Jun-06  920.00 11.04%
05-Jun-06 22-Jun-07  960.00 11.52%
23-Jun-07 23-Jun-08  970.00 11.64%
24-Jun-08 30-Sep-08  1130.00 13.56%
01-Oct-08 30-Nov-08 1250.00 15.00%
01-Dec-08 31-Mar-09 1400.00 16.80%
01-Apr-09 30-Jun-09 1342.00 16.10%
01-Jul-09 30-Sep-10 1180.00 14.16%
01-Oct-10 31-Dec-10 1220.00 14.64%
01-Jan-11 30-Sep-11 1280.00 15.36%
01-Oct-11 31-Dec-11 1200.00 14.40%
01-Jan-12 31-Mar-12 1155.00 13.86%
01-Apr-12 30-Jun-12 1190.00 14.28%
01-Jul-12 26-Aug-12 1220.00 14.64%
27-Aug-12 11-Oct-12 1125.00 13.50%
12-Oct-12 Till Date 1080.00 12.96%

 

Special Saving Certificates

 

 

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
01-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
01-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
01-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
01-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
01-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
01-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
01-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
01-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
01-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
01-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
01-Jul-05 04-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
05-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

01-Oct-08

31-Nov-08

Rate (% p.a.) 12.8% 12.8% 12.8% 12.8% 12.8% 14%
Profit (PKR) 6400 6400 6400 6400 6400 7000.00

01-Dec-08

31-Mar-09

             
Profit (PKR) 7200 7200 7200 7200 7200 7600.00

01-Apr-09

30-Jun-09

             
Profit (PKR) 6500 6500 6500 6500 6500 7100.00

01-Jul-09

30-Sep-10

             
Profit (PKR) 5800 5800 5800 5800 5800 6000.00

01-Oct-10

31-Dec-10

Rate (% p.a.) 12% 12% 12% 12% 12% 12.80%
Profit (PKR) 6000 6000 6000 6000 6000 6400

01-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

01-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

01-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

01-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

01-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

Till date

Rate (% p.a.) 9.90% 9.90% 9.90% 9.90% 9.90% 10.50%
Profit (PKR) 4950 4950 4950 4950 4950 5250

  78 Responses to “Interest rates on Pakistan National Saving Schemes from October-12”

  1. dear Sir, would like to ask you that i have completed more than 10 years for my defence saving certificates. due to out of country i can not get refund or re-issued. can i re-issued or continue with same terms and conditions upto return home back
    please confir. thanks

    • Dear Mr.Safdar,

      Assalam o Alaikum.

      hope you are fine & doing good.

      we are basically an engineering company based in paksiatn & providing electrical equipment , instruments & machinery to the industry in Pakistan, specially Oil & Gas Sector,Polyester Fiber, Cement & also providing defence equipment to Pakistan Armed forces.

      recently we are planning to start agriculture business alongwith Cattle farming & Live Stock on a 27000 Kanal Agriculture land leased from Pakistan Armed forces specially for the above purpose.

      For this business , we are looking for some reliable investor & partners for a joint venture.

      If you are willing to invest in Pakistan for a long term, please inform us accordingly .

      We assure you the best possible rates against your investment & we will provide you the 100% security of your money.

      A prompt action in this regard will be highly appreciated.

      Kind regards,

      Zeeshan

  2. Safdar sahib
    I think it will continue on the same terms and conditions until refund.

  3. sir/madam
    good morning,sorry to bother u .i wish to deposit 7 million/Rs for 3 year so what intrest rate i can get after taxe.please if u dont mind to send some information for me.

    • Assalam o Alaikum.

      hope you are fine & doing good.

      we are basically an engineering company based in paksiatn & providing electrical equipment , instruments & machinery to the industry in Pakistan, specially Oil & Gas Sector,Polyester Fiber, Cement & also providing defence equipment to Pakistan Armed forces.

      recently we are planning to start agriculture business alongwith Cattle farming & Live Stock on a 27000 Kanal Agriculture land leased from Pakistan Armed forces specially for the above purpose.

      For this business , we are looking for some reliable investor & partners for a joint venture.

      If you are willing to invest in Pakistan for a long term, please inform us accordingly .

      We assure you the best possible rates against your investment & we will provide you the 100% security of your money.

      A prompt action in this regard will be highly appreciated.

      Kind regards,

      Zeeshan

  4. I am 68 years old and want to deposit 5 million rupees in behbood scheme.  Is it possible.  If yes what will be my monthly profit.  If i can not deposit 5 million as the condition says 3 million is there any way i can deposit 5 million.  Is there any way of special permission by the president or prime minister.  I live in saudi arabia and returning home.  I need at least 70 thousand rupees a month to live there easy life.  Please guide how is it possible.  Nawaz ahmed Malik
    maliknawaz9@hotmail.com

    • @ Nawaz Ahmed Malik,
      It is not possible to deposit 5 million in BEHBOOD SAVINGS CERTIFICATES Scheme because there is only 3 million repees limit.
      But you can deposit in Regular Income Certificates Scheme as much you want.

  5. Malik sahib
    Maximum limit for Behbood Certificates is 3 millions but your wife can also invest the same amount.
    http://www.opfblog.com/6371/details-about-pakistan-national-saving-certificates/

  6. my defence saving certificate have passed 10-yeas by this feburary….and some one told me that i’ll get profit even after their time gets over so if someone can reply me with this answer that after this feb when the certificte time got over after that how much profit i got….reply me fast plz
    thanking you…

    • i am working in saudi arab i have defance saving certificat they well complete 10 year in august 2010 but i am unable to go pakistan in this year i want to contune fo next ten years is it possible you cane extend the time period. please let me know
      thanks and regard mohammad shafaqat.

  7. I have also similar questions regading investment for old age in Pakistan.I am in Canada.
    Please give us a chart for comparison of bank schems rates and other saving schemes along with their contact Telephone numbers in pakistan.Thanks

  8. plzz. tell me is the interest is prohibitted in islam

  9. hy i have read diferent message i would like to inform you popel that i have same experince of defence scheme in which my ten years was completd but i was enable to collect my money due to living in aborad or the trem and conditon and intrest rate was not continued .if y r in forigen and want to solve this problem kindleey contact with me through email address.

    email address removed by admin, please write it here if you have any information for the visitors

  10. Dear Sir,
    please inform me the interest rate on DCS before 25 Nov 1993 (1 jan 1990 — 24 Nov.1993)
    Thanks
    Dr. M. Mufazzal Saeed

  11. Sir/madam
    I am based in London UK and want to buy national saving certificates. Can i buy these certificates here in london?

  12. hello
    i live in dubai how i purchase national saving certificate in dubai and how i can get benifit and give me any phone no

    thanks
    waqar jahangir ghouri

  13. Frequently Asked Questions
    (Investment From Abroad)

    Q.09. I am presently out of the country and want to withdraw the profit of my investment made in NSS in Pakistan, can I do this? If yes, what are the steps?

    Ans: As per rules a purchaser can nominate an agent for collection of profit of the principal at his personal risk after issuing a power of attorney duly attested by the Pakistani missions working in that country subject to entire satisfaction of the Officer Incharge of National Savings Centre concerned.

    Q.10 What is the procedure to invest in National Savings Schemes from abroad? In which scheme(s)
    I can invest, and what documents are required?

    Ans: Investment from abroad can be made through Bank Draft/Cheque in any foreign currency in favour of any of our office(s), alongwith the application form duly filled in and the copies of Passport and National identity Card. The Bank Drafts got prepared in Pak rupee from abroad are cleared much earlier than those in foreign currency. It would be more proper if these are payable at the same city where the investment is intended to be made.

    The investment in the National Savings Schemes is maintained and expressed in Pak rupee only. Amount received in foreign currency is converted into Pak rupee on the prevailing official exchange rate through normal Banking channels for investment in National Savings Schemes. Moreover, the principal and profit accrued on a certificate issued against foreign exchange received through remittance shall be payable abroad to the purchaser in foreign exchange if so desired by the investor. For the purpose, the payable amount shall be converted into the desired currency at the official exchange rate prevailing at the time of conversion/payment.

    Most of the answers to common questions can now be found on the National Savings website

  14. dear sir inform me about dcs how much interest rate going on in 2009 , while i am living in KSA want to apply from here for dcs

  15. Any update about the profit rate applicable on NSC schemes for 2010 will be appreciated.

  16. salam i m fahad i need information about savings account plz tell me minimum investment rate and per year how many profit will be given on minimum investment.i l wait thankxxxxxxx

    • You do not deserve any attention from me if you can be find all the information you desire already available on this web.

  17. Sir, I am overseas Pakistani. During my previous visit to Pakistan, I purchased SSC(Regd). According to website,the profit which is not withdrawn on due date automatically stand reinvested and would be calculated for further profit on completion of the next 06 months’ period. When I visited pakistan (karachi) this last week, collected the profit which did not include the profit of the reinvestment and the staff at the NSC also refused to claculate and pay the profit for amount reinvested (Past Profit not collected earlier more than six months old).
    What are the options available with me and whom should I approach.

    • I am not surprised reading it. If you are conscientious citizen then I will advise you to write a letter now to the Officer Incharge of your National Savings Center under REGISTERED cover. Write only very simple brief and in no case write stores and long history. Just say on this and this date you got your principal or profit (as the case may be) against your Account/Regn No so and so. The amount according to your calcualtion should had been Rs……while you were paid only Rs. …….. Ask them to explain this.

      Do not write anything more. In case you are telling right and correctly and are not confused within days you will get telephones from your family in Pakistan some approaching them.

      Try it and see the result but again provided your own calcualtion and contention is right and you yourself are not confused.

    • I am not surprised reading it. If you are conscientious citizen then I will advise you to write a letter now to the Officer Incharge of your National Savings Center under REGISTERED cover. Write only very simple brief and in no case write stores and long history. Just say on this and this date you got your principal or profit (as the case may be) against your Account/Regn No so and so. The amount according to your calcualtion should had been Rs……while you were paid only Rs. …….. Ask them to explain this.

      Do not write anything more. In case you are telling right and correctly and are not confused within days you will get telephones from your family in Pakistan some approaching them.

      Try it and see the result but again provided your own calcualtion and contention is right and you yourself are not confused.

      No need writing to regional director or anywhere else at this initial stage.

  18. Dear Khano sahib
    First of all please contact the Regional Directorate Karachi at the following address.
    Regional Directorate of National Savings, Karachi
    Shahrah-e-Faisal, Shaeed-e-Millat Chowk, Karachi.
    Phone # 021-4556463, 4544503 Fax # 021-4535591
    if they do not respond, then you can contact the following
    Central Directorate of National Savings,
    23-N, Savings House, G-6 Markaz,
    Civic Centre, Islamabad.
    Ph. # 051-9215741-50, Fax 051-9215761
    email info@savings.gov.pk
    I do hope that they will reply but if you fail to get any response then only you should look for other options

  19. Good morning
    Sir/madam
    I m Waseem from london,I need some information about national saving schemes.Actually my father is retired just few month ago and i kept some money in pesioner saving schem behafe of my father.THE total amount is nearly 5 million.but I want to know is it possible if i keep some other money like 6 million Rs same scheme .I mean i culd take same intrest rate like i m taking 15% already on 5 million which is i kept already.pleaze inform me as soon as possible,i will be realy apriciated ur favour.or tell me alternative way to keep 6 million on other scheme but same intrest,i hope u got my point.thanks very much for ur help

    • @m s waseem,

      Do you think that the investment is Halal and as per islamin shariah rules.

    • You are in London but I wonder you can not write properly to tell the other way actually you want. You have invested “on behalf of your father” in pensioners account, it is amazing for me. Only a retired personal himself can invest in it not any other person on behal of any retired.

      In this account only once deposit can be made.

  20. Sir/madam
    I m waiting for my requested some information about natinal pensioner scheme.pleaze kindly inform me as soon as possible.

  21. good morning sir/madam
    i m waitint to hear any respose to u .pleaze inform me ,can i putt extra money or not whicg i have explained to u.thx very much

    • @m s waseem, I am also from London and I also want to invest some money. I am looking for Halal and sharia approved prfit and not interest as it is forbidden in Islam. Is investing in saving certificate is Halal? I personally think it is not. Please advise if I am wrong.
      Best wishes

  22. hi
    i am from dubai, i wana make some investment in national saving schemes, i have gone through the NSC website, it shows that if we will invest 1 million rupee for 10 years, we can get 2.47 million after the maturity.
    my question is that if the govt. will increase or decrease the interst rate after the investment……would it effect on the maturity amount.

    • Once purchased the profit rate does not change but present govt. has levied 10% TAX ON PROFIT WHICH WILL BE DEDUCTED AT SOURCE. So calculate again it will not be 2.47 million. Further more, given the dollar /rupee exchange falls astronomically.So after 10 years you will end up may be 1.2 million on original investment in dollars.BESIDES IF YOU CAN PURCHASE A SUZUKI CAR TODAY AT 1 MILLION, IT WILL COST YOU INSHAALLAH 2.5 MILLION AFTER 10 YEARS. Thanks to our falling economy and greedy government policies. Any student of economics can calculate on past 10 years performance of Pak rupee.

  23. Dear pasha
    This is big debate.Which is i dont want.
    I know only one thing u r not hurting any personal,which can efect someone life.u made this money with hardwork .people have lots of money u cant be think.u made just little money and u lose ur youth.even u dont know how to do business.do think if u will do business people will be fare with u .no chance.everything is changed people are like evil.i thing we should do ,even we do somethingelse for money. bank does business and they give u just ur profit.have good luck difrentpeople have difrent opnion .but dont use ur money without business experience,but never keep forever in banks just for short time allha will forgive us allha is great

    .

  24. I want to purchase Defense saving certificates. I live in canada. Can i buy from here. Please let me know.
    Thanks

  25. please send me current rate of regular saving certificate ( i.e. 08-09-2010 )

  26. your at gulshan e.iqbal 2,,,its very slow system and only one casher sitting to services all coustomers when we compland to manegar he always say that we dont have staff .you have to wait for u r trun..its take about 4 hours to finsh but other branch has 2 casher and its much batter then services of other branch..NO 2…and gulbrag branch the person write the certificate its look like a KG class chalid writing,,can u look this matter,
    thanks
    iftikhar
    karachi

  27. In my study,the investment in sc are halal.In this connection pl read the Contract act in Islam .There are many kind of contract ,in which this is one.u may contact me on my e mail .I am coting some MAN LOO BHAGWAN NA MANOO TO PATHAR.The service before a non muslim or non muslim country is not good also.
    Riaz

  28. Investment. If body wants to invest with us in real estate please let us know. izat662@yahoo.com 00923145178972 skype6621

  29. I purchased BSC on 30.1.2010 and the rate revised from 1.10.2010, i got 8 profits upto sept 2010, please guide whether i am entitled for two months with revised profit (profit for the month of Oct and Nov 2010), if no please brief reason, why?

  30. What are the current rates for all the schemes effective 1st December, 2010. I have heard that last week the government has increased another 0.5%. Similar increase was in October.
    Anyone has any knowledge?

  31. What are the current rates for all the schemes effective 1st December, 2010. I have heard that last week the government has increased another 0.5%. Similar increase was in October 2010.
    Anyone has any knowledge?

  32. i want to deposit 10,00,000/- in your DSC for five years, if i wish to get profit after every 6months what would be the profit rate after deducting tax.
    Also, if i deposit the same amount in Behbood Saving certificate what whould be profit after deducting tax, also plz tell me what is tax rate in pakistan, m settled in America. plz guide me as soon as possible.

    • I can not understand why people like Amna waste their time on unnecessary questions? It appear they have “easy” money earned earning in a night. If you have money and a hard earned money, spare a few minutes seriously in probing where and on what you are going to investment and find proper information. Every bit of information on this site is available even the explanatory notes even then people can not doing just a small arthematic to know what would they get by this and that rate and start asking what I will get. What you will get, read the information properly and answer is there.

  33. Amna you want to deposit 10,00,000/- in DSC the profit will be In this scheme the profit is paid on maturity or encashment for completed years. Every Rs.100,000/- will become Rs.108,000/-, Rs.117,000/-, Rs.128,000/-, Rs.142,000/-, Rs.160,000/-, Rs.183,000/-, Rs.213,000/-, Rs.251,000/-, Rs.298,000/- and Rs.356,630/- on completion of 1, 2, 3, 4, 5, 6, 7, 8, 9 and 10 years, respectively. These rates are effective from 1st January, 2011. The average compound rate of return on maturity presently works to 13.55% p.a. For any other time period rates table is also available on website.
    Amna and if u wanna buy Behbood saving certificates the profit rate is 12.80% but u have to be senior citizen age over 60 or widow..u can even buy on ur mother’s or father’s name.. and no tax or zakat on BSC.

  34. Sir i want compound rate of special savings accounts/certificates of October 2010

  35. Sir The scehme of reinvastment is continue or discoonected of Account / certificates

  36. YOU CAN FIND COMPOUND RATE OF SAVING SCHEM FROM BRANCH MANGER WHERE YOU DEPOSIT AMOUNT

  37. reinvested for another period of 10 years on filling in a new application form.
    These … has reviewed the rate of return on National Savings schemes.

  38. i am planning to open a school or college in khanewal district because in this area so much potential and so much physible if someone right person hanving Allah fear persons wanna invest their money with us plz send me email on this address.we can discuss in details.With best wishes.
    arshadcorona1@yahoo.com

    • Your message is 3 and a half line. If someone reads is attentatively one can well understand what type of “education” you will be providing to this district rather you will not merely be fooling the person who depart his money in the name of investment in your hands but also play with the innocent childre. You can not write 3 lines properly surely your opened school will be producing Jamil Dastis.

  39. Mr. m s Waseem, I am really sorry to say that you are completely miss guiding innocent people like @pasha who have earned their money through real hard work. And now in times of their old age you are asking them to earn ineterest and be a mushriq. And in support of it you are saying that ALLAH will forgive us cos He is Great. Yes He really is Great that He has given us brains to figure out which is the right way and which is the wrong one. If we choose the wrong way we will face His anger and if you dont have idea about it than please read the Holy Quran. May ALLAH guide you to the right path and hopefully you abstain from interest in future.

    @ Pasha, just cos ALLAH forbid us to earn interest on our money doesnt mean that only kafir and mushriq can earn profit on money. Brother you can invest your money in takaful based companies, such as PAK-Qatar Takaful ltd. in Pakistan…. They invest your money in business and give you enough hilal profit. May ALLAH subhanatallah help you. Ameen

  40. I have 2 questions.
    1. What happened with the website of National savings. It is down since over a month now.
    2. We know that the compounded rate of SSC is available with the National Savings branches but can anyone provide us the compounded rate table of SSC for the Rates effective from 01 Jan 201, here in this website.
    Thanks

  41. Read this website attentively, you will find all the information which even the National Savings website does not answer. See the comparison and tabulation of rates of profits for different years the Administrator of this website (perhaps named Mr. Abdul Raheem) has prepared.

  42. Read this website attentively, you will find all the information which even the National Savings website does not answer. See the comparison and tabulation of rates of profits for different years the Administrator of this website (perhaps named Mr. Abdul Raheem) has prepared. Every inforamtion is there.

  43. can anyone give myself some good quality advise please. i live in manchester, england. my mother brought bahbood saving certicates over 12 years ago, once it matured after 10 she came back to pakistan, cashed them in and reinvested 300000 this is for her safety for retirement. i am now getting advise from my uncle that when she last revivested the certifacate purchased on 2nd may 2009, they are telling me that she needs to forward her photocopy of her passport and get an id card as soon as possible, to update your systems. before the monthly or yearly shares dissolve. if she dont collect. is this true? or can my mother wait until the term time is up ie ten years which will be 2019? is there a bank i could go to in manchester to solve this problem or does she need to fly out to lahore, to reslove this? she has put me as a nominee and i have power of attorney for her financial affairs as she has become old, vunerable and i do not want my uncle to scam her. any advise and guidance please. thank you

  44. dear sir i want 2 cash behbood saving certificate they r of my uncle he has give me da certificates n he is abroad i need da money immediately.i had also his original id card so what is da procedure.plz reply soon.

  45. National Saving Schemes totaly haram

  46. I could not find a single question like it is in my mind. Before asking a question I would like to know that is the real interest rate in Pakistani financial institutions. The real interest rate means the interest rate minus the rate of inflation. Suppose if the interest rate is 13 percent and the rate of inflation is 25 percent, it means the interest rate on savings is minus 12 percent (negative) and the money is depleting at the rate of 12 percent. Interest rates are low all over the world. In USA the highest rate one can get is 1 percent but the inflation is less than 2 percent. Money is depleting here too. To minimize them depletion of money, what is the best option to keep the money here or in Pakistan. Would somebody explain about this point?

    • Inflation, GDP, interest, markup, commodity, market trend, market factors, bullish trends etc – if you are so much concentrated on these things then better you keep your money in a water protected polythene bag and dug it underground some where in your house.

  47. Sir,

    I have learnt that there is a scheme, giving interest on six monthly basis.

    which scheme ?

  48. Salamz sir , My father has bought 13 lakh Behbood saving certificate and he is over 60 years old and he forget that to whom he has nominate moreover he want to change the name of nominee with out withdraw the certifcates , we went to the behbood saving certificate office but didnt get the satisfactory answer from the officer , i just want to know the proper legal requirements to change the name of the nominee .

    Also is it possible that the one person is the nominee of more then 30 lakh certificates becuase i think there is a limitation on the purchases of the certificates that one can not buy more then 30 lakh how ever want to know that one person can become nominee of more then 30 lakh .

    I will be very much thank ful to you if you reply me asap .

    • @ Amin sahib
      Please contact concerned area office for accurate information.
      Central Directorate of National Savings,
      23-N, Savings House, G-6 Markaz,
      Civic Centre, Islamabad.
      Ph. # 051-9215741-50, Fax 051-9215761
      email info@savings.gov.pk
      URL http://www.savings.gov.pk

      Regional Directorate:

      Regional Directorate of National Savings, Peshawar.
      Building No.1, Mian University Road,
      Tehkal Payan, Peshawar.
      Phone # 091-9218337-38, Fax # 091-9218336

      Regional Directorate of National Savings, Abbottabad.
      Savings House,
      Opposite Modernage Public School & College
      Mansehra Road, Supply Bazar,
      Abbottabad Cantt.
      Phone # 0992-9310486, 0992-9310488, Fax # 0992-9310487

      Regional Directorate of National Savings, Islamabad.
      Premises No. 12-L Sitara Market, Markaz G-7, Islamabad.
      Phone # 051-9253082-83, Fax # 051-9252485

      Regional Directorate of National Savings, Gujranwala.
      28-A, Satellite Town, Gujranwala.
      Phone # 055-9200422, 9200345, Fax # 055-9200352

      Regional Directorate of National Savings, Lahore.
      29/30-F, Gulberg-II, Lahore.
      Phone # 042-9263030-31, Fax # 042-992630-31

      Regional Directorate of National Savings, Faisalabad.
      650-D, Peoples Colony No.1, Faisalabad.
      Phone # 041-9220465-66, Fax # 041-9220465

      Regional Directorate of National Savings, Multan.
      Building No.20-B, Opposite Govt. Girls High School,
      Gulgasht Colony, Multan.
      Phone # 061-9210238, 061-9210240, Fax # 061-9210239

      Regional Directorate of National Savings, Bahawalpur
      3-C, Rashid Minhas Road, Model Town-A, Bahawalpur.
      Phone # 062-9255151-53, Fax # 062-9255152

      Regional Directorate of National Savings, Sukkur.
      Opposite Al-Faisal Medical Centre, Military Road, Sukkur.
      Phone # 071-9310241-42, Fax # 071-9310247

      Regional Directorate of National Savings, Hyderabad.
      Bungalow No.5, Muslim Co-operative Housing Society, Opp. Sindh Museum, National Highway, Hyderabad.
      Phone # 022-9240095-93, 9200345, Fax # 022-9240095

      Regional Directorate of National Savings, Karachi
      Shahrah-e-Faisal, Shaeed-e-Millat Chowk, Karachi.
      Phone # 021-34556463, 34544503 Fax # 021-34535591

      Regional Directorate of National Savings, Quetta.
      Banglow No.1, Bolan Hotel, Gulistan Road, Quetta.
      Phone # 081-9201726, Fax # 081-9201726

    • Copies of investment papers must always be kept for such references.

      Anyhow if your father does not now in this age remember whom he nominated it is not a big problem. Your effort by visiting the Centre failed which is no surprise at all. Your father should now address a letter through registered mail to the Officer Incharge of the concerned National Saving Centre. In this letter simply in not more than 3 lines tell him that he had Behbood Certificates against Regn No. …….. (this registration number is written by hand on the Certificates. The same single registration number is on all certificates). The letter should further read that “Please delete the name of Nominee given in the Application Form for purchase of above certificates and in lieu thereof please insert the name of MrMs……….. CNIC No…………….) as my sole Nominee for all intents and purposes”. The letter should further advised the Officer Incharge to “acknowledge receipt” which he will 99% not. This however completes the legal formality. But unlike before copy of this letter plus postal receipt must be kept preserved this time. After a month or write to the Director General National Savings Islamabad complaining that you wrote to the officer incharge but he did not give response. You will then get the response from the Centre Incharge and this will be a permanent legal document. No other legal requirement to change the “Nominee”.

      30 lakhs is investment limit. No limit whatsoever how much can be limited to one Nominee.

  49. Hi iam also intrested but ?

  50. sir, i am 67 years old, i want to deposit RS- 2500000 in monthly PENSION SCHEME. what is the rate of new rate of interest, and how mutch money i will get monthly of this amount,…thanks…AGHA.S.KHAN

  51. sir,i am 78 years old..i also get pension.i am retired from food department..i want to deposit 200000 rupees.what will be the new rate of interest..and how much money i would get from this account…thanks..ghulam ahmed

    • New profit rate on Behbood Saving Certificates is is 14.64%. Profit will be 1220 rupees per month for each one lakh rupees (Rs.2440 for 200000 investment).

  52. Hi, if I put 10,000 pound in Pakistani bank how much interest I can get it monthly.thanks

  53. Dear Rahim, Power of Attorney is a long and cumbersome procedure. Why to adopt this way which in our Urdu language is called “via Bathinda”.

    I and my wife have two monthly income schemes. Every six months or a year I get the due profit from NSC through a Bank Cheque issued in my name, forwarded to me abroad and then I send it to my Pakistan Bank Account. Simple as it is.

    The fact is most of the above questions are from people who does not have the minimum ability to read properly. They just have money and want information and depend on “you”. 90% question on this web are waste of time viz answers to those are already available on the web but they do not want to take pain to ready properly and understand.

    I am always appreciative of your painful efforts in keeping this web. It is my advice that you ignore these stupid questions and answer only those queries answers to which are not available on these pages or which have not already been explained and thus saved time you give to updating this site which since long is awaiting your attention as you had been paying some years back.

    Regards and ever wishing you well

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