CDNS rates w.e.f. 21 October 2026 · 15% / 30% tax · Behbood 5%

National Savings Profit Calculator

Work out the monthly profit on Behbood, Regular Income, Special Savings and Short Term certificates and National Savings accounts — before and after tax, for filers and non-filers.

Your Investment

Senior citizens and widows. Check CDNS for the full eligibility rules. Profit paid: monthly.

Rs

%

Pre-filled from CDNS (21 October 2026); edit if it has changed.

🏛️

Choose a scheme and enter the amount to see your profit after tax.

📌 Tax on National Savings

  • Filer: 15%
  • Non-filer: 30%
  • Behbood, Pensioners', Shuhada: capped at 5%
  • Bank deposits, for comparison: 20% (filer)
Current rates

National Savings profit rates (effective 21 October 2026)

Profit rates published by the Central Directorate of National Savings (CDNS), with what Rs 100,000 earns a month before and after tax for a filer. CDNS changes these rates often — check the date above and CDNS's rate page before investing.

SchemeRateProfit paidPer Rs 1 lakh / monthAfter filer tax
Behbood Savings Certificates12.96%MonthlyRs 1,080Rs 1,026
Pensioners' Benefit Account12.96%MonthlyRs 1,080Rs 1,026
Shuhada Family Welfare Account12.96%MonthlyRs 1,080Rs 1,026
Regular Income Certificates (RIC)12.12%MonthlyRs 1,010Rs 859
Special Savings Certificates (SSC)12%Every 6 monthsRs 1,000Rs 850
Short Term Savings Certificate — 3 months11.12%At maturityRs 927Rs 788
Short Term Savings Certificate — 12 months11.72%At maturityRs 977Rs 830
National Savings Account10%MonthlyRs 833Rs 708
Sarwa Islamic Savings Account11.84%MonthlyRs 987Rs 839

Short Term Savings Certificates and Special Savings Certificates pay profit at maturity or every six months; the monthly figure is shown only to compare like with like. Defence Savings Certificates (about 215% over ten years per CDNS) compound, so use the custom option with the yearly rate for an estimate.

Examples

Monthly profit on 5 lakh, 10 lakh, 25 lakh and 50 lakh

AmountBehboodRICSSCSTSC 12-monthSarwa Islamic SavingsSavings Account
5 lakhRs 5,130Rs 4,292Rs 4,250Rs 4,151Rs 4,193Rs 3,542
10 lakhRs 10,260Rs 8,585Rs 8,500Rs 8,302Rs 8,387Rs 7,083
25 lakhRs 25,650Rs 21,462Rs 21,250Rs 20,754Rs 20,967Rs 17,708
50 lakhRs 51,300Rs 42,925Rs 42,500Rs 41,508Rs 41,933Rs 35,417

Monthly profit after tax for a filer at the rates above. For example, Rs 10 lakh in Regular Income Certificates earns Rs 10,100 a month; after 15% tax (Rs 1,515) a filer receives Rs 8,585, and a non-filer Rs 7,070. In Behbood the same Rs 10 lakh earns Rs 10,800 and, with tax capped at 5%, pays about Rs 10,260.

Methodology

How the profit and tax are calculated

Monthly profit = amount × yearly rate ÷ 12

Profit after tax = profit × (1 − 15%, 30% or 5%)

  • 15% / 30%: profit on National Savings for individuals falls under the “other profit on debt” rate of Section 7B (Division IIIA of the First Schedule), doubled for people not on the Active Taxpayers List.
  • 5% cap: for Behbood Savings Certificates, the Pensioners' Benefit Account and the Shuhada Family Welfare Account, the law caps tax at 5% of the profit.
  • Final tax: for yearly profit up to Rs 5 million the deduction settles your tax on it. Above that, the profit is taxed with your other income.
  • No compounding: certificates pay profit out rather than adding it to the principal, so the calculator uses simple profit.

Compare a bank savings account or term deposit with the bank profit calculator — banks deduct 20% from filers and 40% from non-filers, so at the same headline rate National Savings keeps more of your profit. Not on the ATL? Read how to become a filer, and check what you owe on your savings with the Zakat calculator.

Last reviewed: 8 November 2026 · Applies to: Tax Year 2027

Eligibility, investment limits and Zakat rules differ by scheme; confirm with CDNS or your branch.

Sources

Estimates for planning only — not tax or religious advice. See our disclaimer, and tell us if you spot an error.

FAQ

National Savings questions

What is the Behbood profit on Rs 10 lakh per month?
At the Behbood rate of 12.96% (effective 21 October 2026), Rs 10 lakh earns Rs 10,800 a month before tax. Tax on Behbood profit is capped at 5%, so you receive about Rs 10,260 a month. The same rate applies to the Pensioners' Benefit Account and the Shuhada Family Welfare Account.
How much tax is deducted on National Savings profit?
For individuals, profit on National Savings certificates and accounts is taxed at 15% if you are on the Active Taxpayers List and 30% if you are not. This is lower than the 20% / 40% charged on bank deposits. For yearly profit up to Rs 5 million the deduction is a final tax.
Is Behbood profit taxed at 15%?
No. The Income Tax Ordinance caps the tax on profit from Behbood Savings Certificates, the Pensioners' Benefit Account and the Shuhada Family Welfare Account at 5% of the profit (Second Schedule, Part III, clause 6). CDNS's general notice mentions 15% / 30% for its schemes, so ask your branch what it deducts; any excess is a matter to take up with CDNS or in your return.
Which pays more: RIC, Behbood or a bank deposit?
At the rates effective 21 October 2026, Behbood (12.96%) pays the most but is only for eligible savers. For everyone else, Regular Income Certificates pay 12.12% monthly and Special Savings Certificates 12% to 12.8%. A bank deposit at the same rate keeps less after tax, because banks deduct 20% from filers instead of 15%.
Is Zakat deducted from National Savings certificates?
CDNS deducts 2.5% Zakat on the first day of Ramadan from schemes where it applies, unless you have submitted a Zakat exemption declaration. Use the Zakat calculator to work out what you owe on all your savings.
Why does my savings account pay slightly less than rate ÷ 12?
National Savings Accounts and Sarwa Islamic Savings Accounts work out profit on the daily balance. A 30-day month is slightly less than one-twelfth of a year, so the monthly credit is a little below the rate divided by twelve. Certificates such as RIC and Behbood pay a fixed amount per Rs 100,000.
Keep going