Historical rates aplicable on saving schemes are as follows
Historical Rates Remained Applicable On Regular Income Certificates
From 13th November, 1996 Onwards
| Effective Period | Monthly Profit on Each Rs.100,000/- |
Rate (% p.a.) |
|
| From | To | ||
| 13-Nov-96 | 06-Jan-97 | Rs. 1,300.00 | 15.60% |
| 07-Jan-97 | 13-May-99 | Rs. 1,500.00 | 18.00% |
| 14-May-99 | 31-Dec-99 | Rs. 1,333.00 | 16.00% |
| 01-Jan-00 | 30-Jun-00 | Rs. 1,166.66 | 14.00% |
| 01-Jul-00 | 30-Jun-02 | Rs. 1,040.00 | 12.48% |
| 01-Jul-02 | 31-Dec-02 | Rs. 880.00 | 10.56% |
| 01-Jan-03 | 30-Jun-03 | Rs. 760.00 | 9.12% |
| 01-Jul-03 | 31-Dec-03 | Rs. 640.00 | 7.68% |
| 01-Jan-04 | 30-Jun-04 | Rs. 580.00 | 6.96% |
| 01-Jul-04 | 31-Dec-04 | Rs. 570.00 | 6.84% |
| 01-Jan-05 | 30-Jun-05 | Rs. 570.00 | 6.84% |
| 01-Jul-05 | 04-Jun-06 | Rs. 740.00 | 8.88% |
| 05-Jun-06 | 22-Jun-07 | Rs. 770.00 | 9.24% |
| 23-Jun-07 | 23-Jun-08 | Rs. 795.00 | 9.54% |
| 24-Jun-08 | 30-Sep-08 | Rs. 960.00 | 11.52% |
| 01-Oct-08 | 30-Nov-08 | Rs. 1108.00 | 13.30% |
| 01-Dec-08 | 31-Mar-09 | Rs. 1250.00 | 15.00% |
| 01-Apr-09 | 30-Jun-09 | Rs. 1133.00 | 13.6% |
| 01-Jul-09 | Till Date | Rs. 1000.00 | 12.0% |
Historical Rates Remained Applicable On Special Savings Certificates (Regd.)/ AccountsFrom 13th November, 1996 Onwards
| From | To | 06- Months | 01-Year | 1 1/2 Year | 2 Years | 2 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 | 30-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 | Rate (% p.a.) | 14.4% | 14.4% | 14.4% | 14.4% | 14.4% | 15.2% |
| Profit (PKR) | 7200 | 7200 | 7200 | 7200 | 7200 | 7600 | ||
| 01-Apr-09 | 30-Jun-09 | Rate (% p.a.) | 13.0% | 13.0% | 13.0% | 13.0% | 13.0% | 14.2% |
| Profit (PKR) | 6500 | 6500 | 6500 | 6500 | 6500 | 7100 | ||
| 01-Jul-09 | Till Date | Rate (% p.a.) | 11.6% | 11.6% | 11.6% | 11.6% | 11.6% | 12.0% |
| Profit (PKR) | 5800 | 5800 | 5800 | 5800 | 5800 | 6000 |
Rates Applicable On Bahbood Savings Certificates
| Effective Period | Monthly Profit on Each Rs.100,000/- |
Rate (% p.a.) |
|
| From | To | ||
| 01-Jul-03 | 30-Jun-05 | Rs. 840.00 | 10.08% |
| 01-Jul-05 | 04-Jun-06 | Rs. 920.00 | 11.04% |
| 05-Jun-06 | 22-Jun-07 | Rs. 960.00 | 11.52% |
| 23-Jun-07 | 23-Jun-08 | Rs. 970.00 | 11.64% |
| 24-Jun-08 | 30-Sep-08 | Rs. 1130.00 | 13.56% |
| 01-Oct-08 | 30-Nov-08 | Rs. 1250.00 | 15.00% |
| 01-Dec-08 | 31-Mar-09 | Rs. 1400.00 | 16.80% |
| 01-Apr-09 | 30-Jun-09 | Rs. 1342.00 | 16.10% |
| 01-Jul-09 | Till Date | Rs. 1180.00 | 14.16% |
Rates Applicable On Pensioners’ Benefit Account
| Effective Period | Monthly Profit on Each Rs.100,000/- |
Rate (% p.a.) |
|
| From | To | ||
| 20-Jan-03 | 30-Jun-03 | Rs. 920.00 | 11.04% |
| 01-Jul-03 | 30-Jun-05 | Rs. 840.00 | 10.08% |
| 01-Jul-05 | 04-Jun-06 | Rs. 920.00 | 11.04% |
| 05-Jun-06 | 22-Jun-07 | Rs. 960.00 | 11.52% |
| 23-Jun-07 | 23-Jun-08 | Rs. 970.00 | 11.64% |
| 24-Jun-08 | 30-Sep-08 | Rs. 1130.00 | 13.56% |
| 01-Oct-08 | 30-Nov-08 | Rs. 1250.00 | 15.00% |
| 01-Dec-08 | 31-Mar-09 | Rs. 1400.00 | 16.80% |
| 01-Apr-09 | 30-Jun-09 | Rs. 1342.00 | 16.10% |
| 01-Jul-09 | Till Date | Rs. 1180.00 | 14.16% |
Historical Rates Remained Applicable On Savings Account
From1st January, 2000 Onwards
| Rate Remained Applicable During The Period | Accounts without Cheque facility (%p.a.) |
Accounts with Cheque facility (%p.a.) |
|
| From | To | ||
| 01-Jan-00 | 30-Jun-00 | 8.75% | 8.25% |
| 01-Jul-00 | 30-Jun-01 | 7.00% | 6.50% |
| 01-Jul-01 | 30-Jun-02 | 7.80% | 7.30% |
| 01-Jul-02 | 31-Dec-02 | 7.00% | 6.50% |
| 01-Jan-03 | 30-Jun-03 | 5.00% | 4.50% |
| 01-Jul-03 | 30-Jun-05 | 4.00% | 3.50% |
| 01-Jul-05 | 04-06-2006 | 5.00% | 4.50% |
| 05-Jun-06 | 22Jun-07 | 6.00% | 5.50% |
| 23-Jun-07 | 23-Jun-08 | 6.50% | 6.00% |
| 24-Jun-08 | 30-Sep-08 | 8.50% | 8.00% |
| 01-Oct-08 | 30-Nov-08 | 9.00% | 8.50% |
| 01-Dec-08 | 31-Mar-09 | 10.00% | 9.50% |
| 01-Apr-09 | 30-Jun-09 | 9.00% | 8.50% |
| 01-Jul-09 | Till Date | 8.50% | 8.00% |
Historical Rates Remained Applicable On Defence Savings Certificates
From 25th November, 1993 Onwards
| 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-Jun-00 | 15.01% | 111,000 | 128,000 | 146,000 | 166,000 | 192,000 | 221,000 | 253,000 | 295,000 | 352,000 | 405,000 |
| 01-Jul-00 | 30-Jun-01 | 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 | 30-Jun-04 | 7.96% | 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 | 8.15% | 104,000 | 109,000 | 115,000 | 122,000 | 130,000 | 139,000 | 150,000 | 166,000 | 189,000 | 219,000 |
| 01-Jul-05 | 04-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 | Till Date | 12.15% | 108,000 | 118,000 | 129,000 | 142,000 | 158,000 | 177,000 | 201,000 | 230,000 | 265,000 | 315,000 |
Complete Chart of Defence Saving ratesDefencesaving
Frequently Asked Questions
(General Queries)
Q.1 Can I deposit profit cheque into my account with any scheduled bank? If not, then how can I withdraw my profit without coming to the Centre?
Ans: No. Unlike cheques of banks, the Profit coupons/withdrawal slips of NSS are not negotiable instruments, hence not acceptable by banks. The profit accrued on BSC only may, however, be collected through an agent duly authorized by the certificate holder at his/her own risk and subject to the satisfaction of the officer in charge.
Q.2 What is the standard procedure for encashment of certificate(s) in case of death of certificate
holder(s)?
Ans: Subject to the rules of the respective schemes, the nominee may opt for encashment of the certificates or transfer of the same in his/her name, however, in the former case the nominee shall be required to furnish;
- an application on plain paper containing three specimen signatures of himself/herself duly verified to the satisfaction of the officer in charge.
- death certificate of the deceased holder.
- attested photocopies of CNICs of both the deceased holder and himself.
- in case the certificates are intended to be transferred to nominee, an application on SC-4 supported by relevant documents shall be required in addition to above requirements.
- Original Certificates.
Q.3 Do the revised rates of profit on National Savings Scheme automatically apply to the investment made prior to such revision?
Ans: No.
Q.4 Are new rates automatically made applicable on the existing investments?
Ans: All National Savings Schemes (NSS) except Savings Account are term/fixed deposits; hence, the agreement made at the time of investment remains valid upto the maturity of that particular deposit. Any change in profit either upwards or downwards on later issues doesn’t affect the existing investments. However, if any investor intends to avail new rates, he/she can withdraw the investment and on payment of subject to nominal service charges (if applicable) and then invest the same on new rates.
Q.5 Can widowers invest in Bahbood Savings Certificates?
Ans: No, at present the widowers cannot invest in Bahbood Savings Certificates. However, after attaining 60 years of age, they become automatically eligible being senior citizens.
Q.6 Who are eligible to invest in Bahbood Savings Certificates?
Ans: The widows and the senior citizens aged 60 years or above can invest in Bahbood Savings Certificates.
Q.7 Is investment made in National Savings Schemes secure?
Ans: Yes, the investment made in National Savings Schemes (NSS) is fully guaranteed by the Government of Pakistan.
Q.8 What is the difference between Joint-A and Joint-B type investment?
Ans: The National Savings Schemes provide the facility of joint investment upto two persons. There are two different types i.e. Joint-A and Joint-B. In case of Joint-A deposits, the encashment is given only after having the signatures of both the investors; while in case of Joint-B, either of the investors can withdraw/encash the principal under his/her own signatures only.
LikeRelated posts:
- Profit on Pakistan National Saving Schemes increased by 2 percent
- Profit rate on Pakistan national saving schemes cut by 1.5% from 1-Apr-09
- Interest rates on Pakistan National Saving Schemes increased again
- Pakistan: New saving schemes to trim banks profit
- Further increase in profit on Pakistan National Saving Certificates from 1st December 2008
Raheem
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THANK YOU VERY MUCH.
Please keep updating on monthly basis for overseas Pakistanies.
[Reply]
Dear Sir
The only way you will motivate oversease Pakistani to bring investiment in to Pakistan is by offering a good interest rates on saving accounts. By curtailing interest rates every 4 months, public will be demoted!! and henve no investment to pakistan.
[Reply]
A.P.QURESHI Reply:
October 7th, 2009 at 9:11 am
@Dr. M. wasil, will you please motivate to your friends there for OPF special profit on monthly basis please.Since we’r sending a lost of foreign exchange every month we should have OPF Saving schemes for more month profit in pakistan.
Thanks.
Kind Regards.
A.P.Qureshi.
[Reply]
raja Reply:
August 27th, 2010 at 1:15 am
FIRST OF ALL IF ONLY SO CALLED OUR HONEST LEADERS BRING THERE MONEY TO PAKISTAN FROM SWIS ACCOUNT IT WILL BE MORE THAN ENOUGH TO BUILD WHOLE COUNTRY TWICE , AND OTHER THAN THAT ITS GOOD TO OPEN DEFENCE ACCOUNT IN NSC.
[Reply]
The best way to motivate the public to create interest through improving, education,health,society, roads,social security, justice etc. These the real paths to improve investment in Pakistan. Just showing the rates to attract the public does not mean any thing.
If you announce today the people who invest in through national saving will our member to make pakistan a welfare state and they will be looked after well in hospitals, educatinal institutions,courts while getting justice, provision of social security, naturally they will invest. They will also get good percentage of profits like 12% 15% or more than that. I am sure national saving will be a more productive and more earning body in Pakistan giving options/opportunities to its members and society as a welfare state.
[Reply]
A.P.QURESHI Reply:
October 7th, 2009 at 9:15 am
@Muhammad Saeed, Will you please advise to your friends there we need OPF special profit on monthly basis scheme, since we are sending from abroad billion of dollars foreign exchange for country servival and for the betterment.
Healthy Regards.
parvez qureshi.
K.S.A.
[Reply]
IAM A PAKISTAN
I LOVE PAKISTAN
I HAVE POWER TO BUILD PAKISTAN
I HAVE SO MANY PROJECT TO BUILD PAKISTAN
BUT
I HATE THOSE PEOPLE WHO THINK ONLY HIMSELF
[Reply]
Morning, I am iterested to buy national saving certificates from pakistan each 100000 amount for minimum five years, would u please tell me about the present interest rates,so certificates can be proceded.
Thanks
Tajdaar.
[Reply]
sir i want to buy special saving cerficate for period every six month and i want to buy 7000000.i m now in dubai .how can i buy this certifecate from here.shill i get it if govt increase the interst rate.
[Reply]
dear sir
i want to buy special saving certifecate .six month period of interst.i want invest 7 lac ruppees.i m now in dubai how i shill buy.shill i get it profit if it increase.plz tell me.
[Reply]
Khalid Ghaffar Reply:
September 4th, 2009 at 11:39 pm
Dear Sajjad :
You can purchase the certificates in dubai through habib bank or UBL bank branches.
[Reply]
ishfaq Reply:
September 6th, 2009 at 2:52 am
can i buy in Abu Dhabi what will be the interst rate has to buy in pakistani rupee
[Reply]
AbdulMajid Khan Reply:
December 8th, 2009 at 8:59 pm
@ishfaq,
Interest is Haram and Profit is Hillal. What do you want?
Do you want to invest in Pakistan Currency or UAE Currency? Pakistan will nwver pay you in Foreign currency.
can i buy in abu dhabi what will be the interst rate it will be in pak rupee
[Reply]
can i buy the certificates in uk??
[Reply]
A.P.QURESHI Reply:
October 7th, 2009 at 9:26 am
@khalil, my dear friend please try to insist govt of pakistan to introduce new saving scheme for OPF pakistani’s after age of 60.We have to have a good enough monthly basis profit for our servival with respect rest of our life in pakistan.
Thanks.
A.P.Qureshi.
K.S.A.
[Reply]
Yes you need to visit any branch in Abu dhabi and the rates are available at Nationla savings website.
[Reply]
can i buy national saving certificates
in kuwait
[Reply]
Nadeem you can not buy NSC in Kuwait but you can purchase from Pakistan by sending bank draft to nationa savings.
Regards
[Reply]
A.P.QURESHI Reply:
October 7th, 2009 at 9:20 am
@Raheem, My firend we need to insist to Govt of pakistan for OPF national saving schemes good profit on monthly baisis,since we are sending foreign exchange every month around the world we must have to have a good enough profit on monthly basis.For example after 60+ if we will get back home in pakistan we need that kind of schemes for our servival there.
Thanks.
Healthy Regards.
A.Qureshi.
[Reply]
hi……………………i want to know about these saving schemes.plz give me correct information.i shall b grateful to u. naeem
[Reply]
The rates calculated on defence saving certificates are wrong!!!
For every RS100,000
24-Jun-08 Till Date 12.15% = 108,000 (Wrong)
It should be 12.15% = 112,150 (Correct)
[Reply]
DSC calculation is un-understandable as per rate 12.15%.It should be Rs.112150/- instead of Rs.108000/-. If there is anther way to calculate, please share. waiting ur reply.
[Reply]
I often note in POST OFFICES that nearly all type of denominations of certificates( DSC, SSC & RIC)are out of stock except few of them already in the stock since long. This is why…?
[Reply]
I am unable to figure out if the interest rate on fix deposit(say 10 years) remains the same from the time of deposit till full term or does it change with the government stated rate.
[Reply]
IF IT IS POSSIBLE PLEASE ALSO MENTION THE TEN YEAR PLAN AND CLEARLY SHOW THE NET AMOUNT RECEIVED AGAINST RS.100,000/- AFTER TEN YEAR.
MOSTLY PEOPLE HESITATE TO INVEST MONEY IN LONG TERM SAVING PLANS DUE TO VARIABLE INTEREST RATE.
THE LAST AND MOST IMPORTANT REASON ACCORDING TO MY POINT OF VIEW IS IF ANY PERSON WANT TO TAKE HIS MONEY BACK AFTER ONE AND HALF YEAR THEY ONLY RECEIVE THE PROFIT OF ONE YEAR WHICH I THINK IS NOT FAIR BECAUSE IF YOU PAY MONTLY PROFIT FOR REGULAR INCOME SCHEMES THEN WHY NOT FACILITATE FOR LONG TERM SCHEME DEPOSITER.
if it is convenient for you please send me your opinion or justification in my email address
tariqdoit@gmail.com
regards
tariq shehzad
[Reply]
i am vear thankful to govt of pakistan for provied better rate to the old and pensioner but I REQUEST TO THE GOVT OF PAKISTAN INCRIES THE RATE FOR BETTER TO THE AWAM. BADARBUTT7@YAHOO.COM
[Reply]
@BADAR MUNIR BUTT, LAST SOME STAFF SAID THAT GOVT ISSU ATM CRAD FOR COLLECTION OF PROFET .IT IS BETTER FOR MOSTLY PEAPLE.IT IS VERY GOOD FOR ALL PERSON
[Reply]
I would like to invest considerable amount in Defence Savings Certificates, would someone please tell me, how safe are these investments.
[Reply]
Raheem Reply:
December 11th, 2009 at 8:05 pm
@Imtiaz, National Saving Certificates are the safest investment in Pakistan
[Reply]
NATIONAL SAVING CENTRE, GULSHANE IQBAL, BLOCK – 2, BRANCH JUST CORNER OF SAMDANI HOSPITAL CHEATING TO THE OLD PEOPLE WHEN THEY LINE UP TO RECEIVE PROFITS. THE BRANCH STAFF ASKED THEM SIGN ON REGISGTER AND THEY CALCULATE THE PROFIT AND THEY DO NOT PAY SAVING RATE @8.5% PLUS INVESTMENT PROFIT. MY SISTER PRESENT SPECIAL SAVING CERTIFICATES OF RS.500,000 AFTER THREE YEARS FOR ENCASHMENT. THEY JUST PAY THE PROFIT AS PER TABLE AND DID NOT PAY REINVESTMENT PROFIT AS SHE DID NOT DRAW ANY COUPON WITHIN THREE YEARS.
I VISITED THEM AND TALK TO THE MANAGER AND CHECK THE REGISTER AND SAID WE PAY PROFIT AND REINVESTMENT PROFIT AND MY SISTER POINT OUT NO THEY TOOK MY SIGNATURE ON EMPTY REGISTER AND LATER ON THEY FILLED UP THE AMOUNT. WHEN I TOLD MANAGER THAT I AM GOING TO REPORT TO YOUR HEAD OFFICE HE OFFER ME TEA AND HAVE MEETING WITH THE STAFF AND FINALLY PAY THE AMOUNT.
THEY STAFF OF THE CENTRE INVOLVE THESE TYPE OF ACTIVITIES PLEASE, ON THE STRENGTH OF THIS COMPLAIN LOOK INTO THE BRANCH OR DO SURPRISE VISIT AND WATCH AND PULLED THEM WHY THEY TOOK SIGNATURE ON EMPTY VOUCHERS FROM THE INVESTERS AND LATERON THEY FILLED UP THE FORM. THIS IS VERY SERIOUS!
Your reply will be highly appreciated.
Thanks/Khan
[Reply]
Raheem Reply:
December 14th, 2009 at 8:56 pm
@Muhammad Khan,
I have forwarded your comments to concerned office, let us hope they take strict action against them
[Reply]
A-O-A dear sir/madam i want to bring your attention towards profit on different schemes.In this regards i want to tell you that different Banks (KASB Bank, Salam Bank, NIB Bank, Allied Bank,Silk Bank) are offering more and better profit than National Savings.It is therfore requested Please increase the profit/rates on different schemes.Thanks.IRFAN
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Dear sir I want to inform you something about National Saving Center, Tench Bhatta, Rawalpindi .
Peoples start to gather beside the main gate of the Saving Center almost at 7.00AM and the watch man of the Center hanged the token on gate at 8.00AM (which is not ok/good from security point of view).Because at 8.00 AM almost 30 to 50 persons gathered there (you may check any time)
It is therefore requested that kindly take/arrange necessary action to solve that problem (because it is dangerous from security point of view).If possible token may be display at 7.00AM or as soon possible.
Another thing which I want to inform you that is the behavior/dealing of above mentioned Center’s staff with public is not good/proper. They always deal to public roughly and rudly.If possible visit that Center and examined these both things. Hope you may take necessary action.
Thanks
IRFAN
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Raheem Reply:
January 7th, 2010 at 6:12 pm
@Irfan
Your message has been forwarder to concerned authorities. Hopefully they will take necessary action
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Muhammad Irfan Reply:
January 8th, 2010 at 7:27 am
@Raheem, Thanks 4 speedy and in time reply,hope you may solve these problems,thanks,irfan
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whats the maximum amount which can be deposited in a saving scheme.
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i want to purchase some certificates of SSC , how much maximum amount can be invested in the above
SSC for six monthly profir and what is rate of profit and how much deducted for with holding tax.please reply in detail
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Dear Sir
how can I purchase Forign Exchange bearer Certificates. Kindly help me. I am in Saudi
Arabia
Rahail Dar
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AOA
I am in USA & would like to invest . Kindly provide me some details. Thanks
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Janab Gohar sahib
You can read more details here;
http://www.opfblog.com/6371/details-about-pakistan-national-saving-certificates/
If you still need more information, you may visit http://www.savings.gov.pk
with holding tax is deducted at the rate of 10% on profit.In addition, zakat is also applicable at the rate of 2.5 percent
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Dear Sir,
I am in Uk i need some information have any investment scheme or certificate
pl rply thanks
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DER Sir,
i am in kuwait.spose ican not go to pakistan every 6 month to receive the profit of specail saving certificate.how ican calculate the profit+benefit.
Plz reply
BEST REGARDS
mirza
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M. Mushtaq Reply:
March 13th, 2010 at 8:41 am
zafar mirza, The profit is 11.6% Per annum. For six months is 5.8%
For Rs 100,000 it would be 5800.If you don’t go to get you money then it would be reinvested alongwith the principal amount for another 6 months automatically.
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I need someone’s help for the following question:
My uncle had bought some Pensioners saving certificates and Behbood saving certificates in his name. He had put my name as a nominee. He has expired 4 months ago. If I go to Pakistan can I transfer these certificates in my name? Someone has told me that I cannot transfer these certificates in my name bcause they are for Pensioners and the other for people with 60 years of age only.
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NBP staff is so rude.. oftenly their behaviour with clients are so casuals and replies in rude manners. most of government sarvant facing great difficulites while opening their accounts and drawing thier saleries. There is no ATM facilies in most of banks operating salery accounts. Please look into the matter as special case
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asalam o alikum:
i want to know that my father served his job and now his wealth is not good so he want to keep his money save.he is looking for invest his investment.if he invest 100000 $ us doller’s in forign currency certificate on 2 years basis..how much income he got from per month basis in it….kindly reply me
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PLEASE ANSWER ME BY EMAIL THANKS
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HELLO I NEED ANSWER NOW PLZ
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i want investment 500000 rs but i want monthly profit plz tell me detail
what i do and what is you take me profit
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http://www.savings.gov.pk/schemes.htm for fresh rates
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Investing in Pakistan has certain concerns. First of all one cannot act swiftly if the conditions are not favourable. Secondly rupee is not a stable currency. Thirdly the inflation is way high than the government claims i.e. 13.50%. It is not less than 25% anyway. Some basic commodities have gone up several hundred per cent. There is no way one can make money by investing in Pakistan. It would be depleting ones money. Another most important thing is that visiting National Saving Offices in Pakistan is a humiliating experience.
There is one possibility to lure investment in Pakistan is to allow Pakistani banks functioning in foreign countries to do the business on behalf of National Savings Organization. So that the Pakistanis living abroad invest, disinvest swiftly to control their finances.
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dear sir
i have fifty lac rupees through golden shake hand scheme from my organization.i cant make any business and i m 55 years old so how can i get the highest profit rate in these rupees from national saving certificate
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Dear Sir,
I am a senior citizen of Pakistan & want to invest in Behbood saving scheme after my retirement. My question is ? that is it possible if profit shall be deposit or transfer to my local bank account on monthly basis which is close to my residence. I am asking to avoid any mishap while carrying out even a small cash from Saving Centers.
CEO of Savings center’s may consider the point to attract Overseas Pakistanies, who are living abroad and interested to keep money in a safe country.
Kind regards
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SALAM TO EVERYBODY PLEASE CHECK WEBSITE ITS SAYING THERES AN INCREASE OFF 2 PERCENT BUT I CANT SEE IT IT SHOWING THE SAME RATES PLEASE ALL FRIENDS LOOK INTO THIS FURTHER
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I have made investment of Rs. 350,000 in August 2000, I am working in UAE and not able to present my self in that month.
please advise who i can withdrew my investment and what are the deductions
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Rgd: BEHBOOD SAVING,
1. In joint a/c Type B, Is it applicable if one spouse is plus 60 years of age ?.
2. Is the interest paid on monthly basis ?.
3. Tenure of certificates ?
4, What is the latest rate of Profit ?
5, Upto what value can it be procured by one couple ?.
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i have nsc since 1999 ,at 2009 the 10yrs completed .still i didnt cashed or re-invest.my question is this certificate autometically rennued for further 10yrs or i have to personally come and change certificate .plz guide me.
thanks
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I would like to know about if i will invest 10,00000. rupees in national saving bank to get the profir in every six month six month. the profit i think so you are offering 1250/ rupees as one month profit on 1,00000. if i will count my friend told me what is exately, and will be or what, please send the reply to me than i can concider it to keep safe amount for future, thank you and best regard ,
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