Profit on Pakistan National Saving Schemes

ISLAMABAD: The federal government has revised upwardly the rates of profit on National Saving Schemes (NSS) instruments with effect from 1st October 2013. Updated profit rates effective from JUNE-2016 are as under;

For detailed information please  click below link

http://savings.gov.pk/index.asp

 

 

PROFIT RATES – DEFENSE SAVING CERTIFICATES (DSC)

Historical Rates Remained Applicable On Defense 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 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 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 8.20% 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-11 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 31-Dec-12 11.04% 106,000     113,000 121,000   131,000 144,000 161,000 182,000 208,000 242,000 285,000
01-Jan-13 30-Jun-13 10.84% 106,000     113,000 121,000   131,000 144,000 160,000 180,000 205,000 238,000 280,000
01-Jul-13 30-Sep-13 10.36% 106,000     113,000 121,000   130,000 140,000 153,000 170,000 192,000 224,000 268,000
01-Oct-13 31-Dec-13 11.61% 106,000     113,000 122,000   133,000 147,000 164,000 185,000 210,000 245,000 300,000
01-Jan-14 30-Sep-14 12.26% 106,000     113,000 122,000   134,000 149,000 168,000 192,000 223,000 264,000 318,000
01-Oct-14 30-Nov-14 12.75% 106,000     113,000 122,000   134,000 150,000 171,000 198,000 233,000 277,000 332,000
01-Dec-14 31-Jan-15 11.08% 106,000     113,000 121,000   131,000 144,000 161,000 182,000 208,000 242,000 286,000
01-Feb-15 31-Mar-15 9.50% 105,000     111,000 117,000   124,000 133,000 145,000 162,000 184,000 212,000 248,000
01-Apr-15 31-May-15 8.92% 105,000     111,000 118,000   126,000 135,000 146,000 160,000 178,000 203,000 235,000
01-Jun-15 31-Jul-15 8.68% 105,000     111,000 118,000   126,000 135,000 146,000 160,000 178,000 201,000 230,000
01-Aug-15 30-Sep-15 9.15% 105,000     111,000 118,000   126,000 135,000 146,000 160,000 178,000 204,000 240,000
01-Oct-15 30-Nov-15 8.87% 105,000     111,000 118,000   126,000 135,000 146,000 160,000 178,000 202,000 234,000
01-Dec-15 31-Jan-16 8.68% 105,000     111,000 118,000   126,000 135,000 146,000 160,000 178,000 201,000 230,000
01-Feb-16 31-Mar-16 8.40% 105,000     111,000 118,000   126,000 135,000 146,000 159,000 175,000 196,000 224,000
01-Apr-16 31-May-16 7.80% 105,000     111,000 118,000   126,000 135,000 145,000 157,000 172,000 190,000 212,000
01-Jun-16 Till Date 7.70% 105,000     111,000 118,000   126,000 135,000 145,000 157,000 171,000 188,000 210,000

 

Note:  The above payable amounts have been worked out on Rs.100,000/-.

You can easily calculate your investment by dividing the relevant amount of the

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

Historical Rates Remained Applicable On Special Savings Certificates (Regd.)/

Accounts From 13th November, 1996 Onwards

 

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 31-Dec-12 Rate (% p.a.) 9.90% 9.90% 9.90% 9.90% 9.90% 10.50%
Profit (PKR) 4950 4950 4950 4950 4950 5250
01-Jan-13 30-Jun-13 Rate (% p.a.) 9.70% 9.70% 9.70% 9.70% 9.70% 10.30%
Profit (PKR) 4850 4850 4850 4850 4850 5150
01-Jul-13 30-Sep-13 Rate (% p.a.) 8.80% 8.80% 8.80% 8.80% 8.80% 9.50%
Profit (PKR) 4400 4400 4400 4400 4400 4750
01-Oct-13 31-Dec-13 Rate (% p.a.) 10.60% 10.60% 10.60% 10.60% 10.60% 11.50%
Profit (PKR) 5300 5300 5300 5300 5300 5750
01-Jan-14 30-Sep-14 Rate (% p.a.) 11.40% 11.40% 11.40% 11.40% 11.40% 12.00%
Profit (PKR) 5700 5700 5700 5700 5700 6000
01-Oct-14 30-Nov-14 Rate (% p.a.) 11.60% 11.60% 11.60% 11.60% 11.60% 13.40%
Profit (PKR) 5800 5800 5800 5800 5800 6700
01-Dec-14 31-Jan-15 Rate (% p.a.) 9.60% 9.60% 9.60% 9.60% 9.60% 11.20%
Profit (PKR) 4800 4800 4800 4800 4800 5600
01-Feb-15 31-Mar-15 Rate (% p.a.) 8.20% 8.20% 8.20% 8.20% 8.20% 9.70%
Profit (PKR) 4100 4100 4100 4100 4100 4850
01-Apr-15 31-May-15 Rate (% p.a.) 7.60% 7.60% 7.60% 7.60% 7.60% 8.80%
Profit (PKR) 3800 3800 3800 3800 3800 4400
01-Jun-15 31-Jul-15 Rate (% p.a.) 6.80% 6.80% 6.80% 6.80% 6.80% 8.00%
Profit (PKR) 3400 3400 3400 3400 3400 4000
01-Aug-15 30-Sep-15 Rate (% p.a.) 7.40% 7.40% 7.40% 7.40% 7.40% 8.80%
Profit (PKR) 3700 3700 3700 3700 3700 4400
01-Oct-15 30-Nov-15 Rate (% p.a.) 6.80% 6.80% 6.80%% 6.80% 6.80% 8.00%
Profit (PKR) 3400 3400 3400 3400 3400 4000
01-Dec-15 31-Jan-16 Rate (% p.a.) 6.40% 6.40% 6.40%% 6.40% 6.40% 7.60%
Profit (PKR) 3200 3200 3200 3200 3200 3800
01-Feb-16 31-Mar-16 Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.80%
Profit (PKR) 3000 3000 3000 3000 3000 3400
01-Apr-16 31-May-16 Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.40%
Profit (PKR) 3000 3000 3000 3000 3000 3200
01-Jun-16 Till Date Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.80%
Profit (PKR) 3000 3000 3000 3000 3000 3400

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily calculate your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

PROFIT RATES  – REGULAR INCOME CERTIFICATES (RIC)

Historical Rates Remained Applicable On Regular Income Certificates From 13th November, 1996 Onwards

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

(Rs)

Rate
(% p.a.)
From To
13-Nov-96 06-Jan-97 1,300.00 15.60%
07-Jan-97 13-May-99 1,500.00 18.00%
14-May-99 31-Dec-99 1,333.00 16.00%
01-Jan-00 30-Jun-00 1,166.66 14.00%
01-Jul-00 30-Jun-02 1,040.00 12.48%
01-Jul-02 31-Dec-02 880.00 10.56%
01-Jan-03 30-Jun-03 760.00 9.12%
01-Jul-03 31-Dec-03 640.00 7.68%
01-Jan-04 30-Jun-04 580.00 6.96%
01-Jul-04 31-Dec-04 570.00 6.84%
01-Jan-05 30-Jun-05 570.00 6.84%
01-Jul-05 04-Jun-06 740.00 8.88%
05-Jun-06 22-Jun-07 770.00 9.24%
23-Jun-07 23-Jun-08 795.00 9.54%
24-Jun-08 30-Sep-08 960.00 11.52%
01-Oct-08 30-Nov-08 1108.00 13.30%
01-Dec-08 31-03-09 1250.00 15.00%
01-Apr-09 30-Jun-09 1133.00 13.60%
01-Jul-09 30-Sep-10 1000.00 12.00%
01-Oct-10 31-Dec-10 1030.00 12.36%
01-Jan-11 30-Sep-11 1120.00 13.44%
01-Oct-11 31-Dec-11 1050.00 12.60%
01-Jan-12 31-Mar-12 980.00 11.76%
01-Apr-12 30-Jun-12 1010.00 12.12%
01-Jul-12 26-Aug-12 1030.00 12.36%
27-Aug-12 11-Oct-12 920.00 11.04%
12-Oct-12 31-Dec-12 880.00 10.56%
01-Jan-13 30-Jun-13 864.00 10.36%
01-Jul-13 30-Oct-13 790.00 9.48%
01-Oct-13 31-Dec-13 935.00 11.22%
01-Jan-14 30-Sep-14 990.00 11.88%
01-Oct-14 30-Nov-14 1025.00 12.30%
01-Dec-14 31-Jan-15 846.00 10.15%
01-Feb-15 31-Mar-15 746.00 8.952%
01-Apr-15 31-May-15 686.00 8.232%
01-Jun-15 31-Jul-15 634.00 7.608%
01-Aug-15 30-Sep-15 710.00 8.52%
01-Oct-15 30-Nov-15 654.00 7.848%
01-Dec-15 31-Jan-16 628.00 7.536%
01-Feb-16 31-Mar-16 592.00 7.104%
01-Apr-16 31-May-16 552.67 6.632%
01-Jun-16 Till Date 546.00 6.552%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.

You can easily calculate profit on your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

 

ROFIT RATES  – BAHBOOD SAVINGS CERTIFICATES (BSC)

Rates Applicable On Bahbood Savings Certificates

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

(Rs)

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 30-Sep-10   Rs. 1180.00 14.16%
01-Oct-10 31-Dec-10   Rs. 1220.00 14.64%
01-Jan-11 30-Sep-11   Rs. 1280.00 15.36%
01-Oct-11 31-Dec-11   Rs. 1200.00 14.40%
01-Jan-12 31-Mar-12   Rs. 1155.00 13.86%
01-Apr-12 30-Jun-12   Rs. 1190.00 14.28%
01-Jul-12 26-Aug-12   Rs. 1220.00 14.64%
27-Aug-12 11-Oct-12   Rs. 1125.00 13.50%
12-Oct-12 31-Dec-12   Rs. 1080.00 12.96%
01-Jan-13 30-Jun-13   Rs. 1060.00 12.72%
01-Jul-13 30-Sep-13   Rs. 1020.00 12.24%
01-Oct-13 31-Dec-13   Rs. 1120.00 13.44%
01-Jan-14 30-Nov-14   Rs. 1170.00 14.04%
01-Dec-14 31-Jan-15   Rs. 1060.00 12.72%
01-Feb-15 31-Mar-15   Rs. 940.00 11.28%
01-Apr-15 31-May-15   Rs. 900.00 10.80%
01-Jun-15 31-Jul-15   Rs. 880.00 10.56%
01-Aug-15 30-Sep-15   Rs. 920.00 11.04%
01-Oct-15 30-Nov-15   Rs. 900.00 10.80%
01-Dec-15 31-Jan-16   Rs. 880.00 10.56%
01-Feb-16 31-Mar-16   Rs. 860.00 10.32%
01-Apr-16 Till Date   Rs. 800.00 9.60%

Note:    The above monthly profit has been worked out on Rs.100,000/-.  You can easily calculate profit on your investment

by dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

PROFIT RATES – SPECIAL SAVINGS CERTIFICATES (SSCR)

Historical Rates Remained Applicable On Special Savings Certificates

(Regd.)/ Accounts From 13th November, 1996 Onwards

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 31-Dec-12 Rate (% p.a.) 9.90% 9.90% 9.90% 9.90% 9.90% 10.50%
Profit (PKR) 4950 4950 4950 4950 4950 5250
01-Jan-13 30-Jun-13 Rate (% p.a.) 9.70% 9.70% 9.70% 9.70% 9.70% 10.30%
Profit (PKR) 4850 4850 4850 4850 4850 5150
01-Jul-13 30-Sep-13 Rate (% p.a.) 8.80% 8.80% 8.80% 8.80% 8.80% 9.50%
Profit (PKR) 4400 4400 4400 4400 4400 4750
01-Oct-13 31-Dec-13 Rate (% p.a.) 10.60% 10.60% 10.60% 10.60% 10.60% 11.50%
Profit (PKR) 5300 5300 5300 5300 5300 5750
01-Jan-14 30-Sep-14 Rate (% p.a.) 11.40% 11.40% 11.40% 11.40% 11.40% 12.00%
Profit (PKR) 5700 5700 5700 5700 5700 6000
01-Oct-14 30-Nov-14 Rate (% p.a.) 11.60% 11.60% 11.60% 11.60% 11.60% 13.40%
Profit (PKR) 5800 5800 5800 5800 5800 6700
01-Dec-14 31-Jan-15 Rate (% p.a.) 9.60% 9.60% 9.60% 9.60% 9.60% 11.20%
Profit (PKR) 4800 4800 4800 4800 4800 5600
01-Feb-15 31-Mar-15 Rate (% p.a.) 8.20% 8.20% 8.20% 8.20% 8.20% 9.70%
Profit (PKR) 4100 4100 4100 4100 4100 4850
01-Apr-15 31-May-15 Rate (% p.a.) 7.60% 7.60% 7.60% 7.60% 7.60% 8.80%
Profit (PKR) 3800 3800 3800 3800 3800 4400
01-Jun-15 31-Jul-15 Rate (% p.a.) 6.80% 6.80% 6.80% 6.80% 6.80% 8.00%
Profit (PKR) 3400 3400 3400 3400 3400 4000
01-Aug-15 30-Sep-15 Rate (% p.a.) 7.40% 7.40% 7.40% 7.40% 7.40% 8.80%
Profit (PKR) 3700 3700 3700 3700 3700 4400
01-Oct-15 30-Nov-15 Rate (% p.a.) 6.80% 6.80% 6.80%% 6.80% 6.80% 8.00%
Profit (PKR) 3400 3400 3400 3400 3400 4000
01-Dec-15 31-Jan-16 Rate (% p.a.) 6.40% 6.40% 6.40%% 6.40% 6.40% 7.60%
Profit (PKR) 3200 3200 3200 3200 3200 3800
01-Feb-16 31-Mar-16 Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.80%
Profit (PKR) 3000 3000 3000 3000 3000 3400
01-Apr-16 31-May-16 Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.40%
Profit (PKR) 3000 3000 3000 3000 3000 3200
01-Jun-16 Till Date Rate (% p.a.) 6.00% 6.00% 6.00%% 6.00% 6.00% 6.80%
Profit (PKR) 3000 3000 3000 3000 3000 3400

 

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily calculate your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

PROFIT RATES  – PENSIONERS BENEFIT ACCOUNT

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 30-Sep-10   Rs. 1180.00 14.16%
01-Oct-10 31-Dec-10   Rs. 1220.00 14.64%
01-Jan-11 30-Sep-11   Rs. 1280.00 15.36%
01-Oct-11 31-Dec-11   Rs. 1200.00 14.40%
01-Jan-12 31-Mar-12   Rs. 1155.00 13.86%
01-Apr-12 30-Jun-12   Rs. 1190.00 14.28%
01-Jul-12 26-Aug-12   Rs. 1220.00 14.64%
27-Aug-12 11-Oct-12   Rs. 1125.00 13.50%
12-Oct-12 31-Dec-12   Rs. 1080.00 12.96%
01-Jan-13 30-Jun-13   Rs. 1060.00 12.72%
01-Jul-13 30-Sep-13   Rs. 1020.00 12.24%
01-Oct-13 31-Dec-13   Rs. 1120.00 13.44%
01-Jan-14 30-Nov-14   Rs. 1170.00 14.04%
01-Dec-14 31-Jan-15   Rs. 1060.00 12.72%
01-Feb-15 31-Mar-15   Rs. 940.00 11.28%
01-Apr-15 31-May-15   Rs. 900.00 10.80%
01-Jun-15 31-Jul-15   Rs. 880.00 10.56%
01-Aug-15 30-Sep-15   Rs. 920.00 11.04%
01-Oct-15 30-Nov-15   Rs. 900.00 10.80%
01-Dec-15 31-Jan-16   Rs. 880.00 10.56%
01-Feb-16 31-Mar-16   Rs. 860.00 10.32%
01-Apr-16 Till Date   Rs. 800.00 9.60%

 

Note:    The above monthly profit has been worked out on Rs.100,000/-.  You can easily calculate profit on your investment by

dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

 

313 Comments

  1. ali khan

    I am overseas pak, has anybody got any good recommendations for investment retur, reading the ‘short change’ comments It does not make me realy feel like investing in pakistani bank, are the banks free of corruption? aor are they like the islamabad airport?

    1. awaiz arif

      Dear Investor!
      i am also an investor, and i Do know an institute which is fully registered from the Government of Pakistan in Our Mother Land Pakistan, who’s annual growth on your profit is more then 15 % without holding tax. so, if you are really interested in it, contact me through my email, arifawaiz@gmail.com.
      best of luck

  2. Hasan Zaheer

    Hey.

    I have a simple query.

    The profit paid on RIC, Regular Income Certificate, is divided into different periods or it stays the same throughout till maturity?
    For example, when I purchase the certificate (let’s say in Nov, 2012) the rate was 12.60%. Rate was changed in Jan 2013, then again many times till now.

    If I have not taken out any profit, my total profit after THREE years will be (100,000 * (12.6/100) * 3)

    OR

    will it be (100,00 * 12.6/100 * (3/12)) {for first year} + (100,00 * 11.76/100 * 3/12) {for the next three months} …. and so on.

    1. WAZIR A SHAIKH

      Salam
      I don’t under stand when you Recived your profit they no Give you any how much they cut your withholding tex How much your Porift are
      WAZIR A SHAIKH

  3. Javaid Bashir

    I am glad that i invested in National Savings Scheme. The recent increase in profits on the Saving Certificates a welcome move. We must appreciate the government for taking into consideration the investment in these great Schemes. It will be beneficial for the investors and the government.

    We must encourage the culture of Savings in Pkistan. We lag behind third world countries. Provision of such excellent Investment Scheme for the middle class economic groups is a wise step.

    1. awaiz arif

      dear Brother!
      i am an investor, and i Do know a registered company in Our Mother Land Pakistan, who’s annual growth on your profit is more then 15 % without holding tax. so, if you are really interested in it, contact me through my email, arifawaiz@gmail.com.

  4. Mrs. Peter

    Hi,

    My sister lives abroad and has purchased BS Certificates for our mother who receives her monthly amount, my question is after death how will my sister get all the money because only my sister’s name are on the paper no contact number or address or her NIC copy. does she needs to make a will or how does it work.

    1. Reply from Javed
      Your information is wrong. In 1990 through a Public Interest Litigation I approached the Supreme Court of Pakistan pleading that a lot was lying unclaimed in banks of those who opened for many social reasons bank accounts secretly from their families and in case of sudden death the families do not know about such accounts. I did not say this just as a story but had seen many families suffering. The Honourable SC accepted my plea and banks were asked to declare through press such accounts. The Banks did it and one can find lists of such accounts on net today. At the same time through another petition I suggested amendment in the account opening Forms to safeguard from becoming such accounts “dead with the death of account holder”. My this petition was also accepted and my drafted and suggested amendment was incorporated by all banks, post offices and national savings.

      Mrs. Peter your information is either wrong or confused. My experience is story is something else.

      Your story is your “sister purchased” and her mother was receiving monthly profit. Your sister must had purchased but may be in the name of her mother hence mother was receiving profit. Or your sister must had opened account jointly with the mother that is why mother was receiving profit. It is not in “normal” case possible that certificates were in the name of your sister and mother was receiving profit from national savings center.

      Secondly, you are totally wrong that on the Account Opening or Purchase of BSCs Form there is only name of your sister. It is not possible. Without both foreign and local Pakistan address no account is opened.

      Thirdly there is definitely, repeated invariably, a clause in the Form wherein the purchaser nominates a person as his/heir. And your sister had done it.

      Your story is confused. You say “after the death”. You did not, perhaps for obvious reasons, mention whose death? Mother’s or purchaser (your sister).

      There are loopholes in your story.

      A legal heir or a nominated nominee whatever the case may be very easily through a very simple process gets back the invested money.

  5. awaiz arif

    A Shocking Good News.
    Dear Pakistani investors from all across the world, and those in homeland !
    i Do know an institute fully registered from the Government of Pakistan and monitered by the Securities Exchange Commission of Pakistan (SECP), its annual net growth is
    13.50 % without tax including. if you are interested contact me through my email. arifawaiz@gmail.com.

  6. BZ

    the interest on the Saving certificates are calculated at the rate when the account was opened and after that if the interest goes up then your interest goes up but if it come down, your interest stays the same when it was raised. i.e.
    Account opened on interest rate 10% pa. and the interest went up to 12% and the comes down to 10% your interests shall stay at 12%. You can check on website of National Savings.

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