Profit rate on Pakistan national saving schemes cut by 1.5% from 1-Apr-09

LAHORE: The government on Tuesday decided to lower the profit rates on various national saving schemes by 1.5 percent, a private TV channel reported on Tuesday.slashed from 14.53 percent to 13.20 percent. The rates on five-year maturity regular income certificates have been cut to 13.60 percent from the previous 15 percent, while the saving account rate has been decreased by one percent to 9 percent.

The channel said new rates would be effective from today (Wednesday). The revised rate on most of the schemes has been

The summary approved by the Finance Ministry has been forwarded to the National Directorate of Savings for implementation.

Behbood Saving Certificates & Pensioners benefits

Old rate= 16.80%

New rate= 16.10%

Defense Saving Certificates

Old & New=  

Special Saving Certificates & Accounts

Old rate= 14%

New rate= 13.20%

Regular income Certificates

Old= 15%

New= 13.60%

Saving Accounts

None checking

Old= 10%







  1. waseem

    dear responser!
    i m waseem from oxford(uk).I m intrested to deposit some money national defence saving account for two years.approximatly 10 million rupees.if u pleaz guid me and inform me what the proceder and make calculation how much i can get end of a year.if u reply me with full detail ,i will be realy appriciated and thankfull.

  2. Khalid Khokhar

    Dear Sir,

    I required the detail profit of Special Saving Certificats after 6, 12, 18, 24, 30 and 36 Monthswhen I will take the profit.Presently and previosly.
    Khalid Khokhar

  3. @ Khalid Khokhar
    You can see the rates by clicking below link

    Tax & Zakat Status.

    At present, the profit earned is exempt from withholding tax, if the total investment in the scheme by the investor(s) does not exceed Rs.150,000/-. However, withholding tax @ 10% is deductible at source on the profit(s) earned if the total investment exceeds Rs.150,000/- by the investor(s). Zakat is collected at source as per rules

  4. Syed Kashif Wasi

    I invested 300,000 in Meezan Bank Behbood policy, How to claim rebate on Behbood Certificate in Tax year 2011, According to Meezan Bank representatives investor can claim upto Rs.48300 rebate.

    Please explain how to claim rebate every year.

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