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Check Pakistan National Savings rates on the official Latest Profit Rates page, and note the effective date shown with the schedule. The page displayed rates effective 1 October 2026 and said Savings Account profit remained 10.00% per annum. That figure applies to the Savings Account—not to every National Savings scheme. For certificate rates and the terms that determine what you will actually receive, confirm the relevant scheme row and product page before investing or withdrawing.
How to check the latest National Savings rates
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Open National Savings Pakistan’s official Latest Profit Rates page. Use the official schedule rather than an undated third-party list.
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Record the schedule’s effective date and the exact scheme name. Rates from schedules with different effective dates should not be compared as though they apply at the same time.
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Check what the displayed figure represents: an annual rate, a per-period amount, or a maturity schedule. If a rate appears in an image or downloadable file, open that official item and verify its date and scheme label.
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Open the official page or FAQ for the specific product. Check eligibility, investment limits, profit payment frequency, maturity, early encashment, tax, and Zakat provisions; a headline rate alone does not describe the product.
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Before acting, recheck the rate schedule and product terms or confirm them with a National Savings Centre. Rates and published terms may change.
National Savings Pakistan’s schedule effective 1 October 2026 stated that Savings Account profit “remains at 10.00% p.a.” The available schedule text did not expose every current scheme rate, so check the official schedule directly for the current certificate and account figures rather than relying on older rate-history entries.
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Compare schemes by payout, tenure, and access
These are the product terms relevant to comparing options; they are not a recommendation. Verify current details on each official product page before deciding.
| Scheme | Eligibility and tenure | Profit timing | Withdrawal point to check |
|---|---|---|---|
| Savings Account | Account-based. Official page search result states Rs. 100 minimum and no stated maximum. | Credited each 30 June; calculated using monthly minimum balances. | Withdrawals are allowed after deposit, limited to three times per week. |
| Short Term Savings Certificate (STSC) | 3 months, 6 months, or 1 year; Rs. 10,000 minimum. | Due at maturity. | Encashment is at the issuing office and cannot be earlier than one month after issue. |
| Special Savings Certificate (SSC) | 3 years; Rs. 500 minimum; available to the general public, including Pakistani and overseas Pakistanis. | Every six months. | Encashable at par; no profit is paid if encashed before six months, and no service charge applies. |
| Regular Income Certificate (RIC) | 5 years; Rs. 50,000 minimum; Pakistani nationals and overseas Pakistanis. | Monthly. | Early service charges apply before four years are complete; consult the official page for the exact schedule. |
| Behbood Savings Certificate (BSC) | 10 years; restricted to qualifying groups, including eligible senior citizens, widows, and persons with disabilities; limits apply. | Monthly. | A service charge applies to early encashment before four years are complete. |
| Pensioners Benefit Account (PBA) | 10 years; for eligible government or semi-government pensioners and eligible family members; limits apply. | Not stated in the cited official FAQ. | Early withdrawal charges decline by year; the official FAQ lists charges through year four. |
| Shuhada Family Welfare Account (SFWA) | 10 years; for specified eligible families; limits apply. | Not stated in the cited official FAQ. | Early withdrawal charges decline by year; the official FAQ lists charges through year four. |
| Sarwa Islamic Term Account (SITA) | 1, 3, or 5 years, according to the products catalogue. | Frequency varies by term. | Premature withdrawal is permitted; profit is based on the average SISA rate for completed months. |
For PBA and SFWA, consult the official FAQs for eligibility and the applicable withdrawal schedule. SITA terms are summarized in the official products catalogue; confirm current product details before investing.
What early withdrawal means for profit
“Encashable” does not necessarily mean penalty-free or that all accrued profit will be paid. The rules differ by scheme:
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STSC: the certificate cannot be encashed at the issuing office earlier than one month after issue. Its profit is due at maturity.
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SSC: it can be encashed at par, but no profit is paid if it is encashed before six months.
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RIC and BSC: service charges apply when encashed in the early years; the official product pages provide the applicable schedule.
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PBA and SFWA: charges decline by year; check the official FAQ for the charge applicable to the account and withdrawal timing.
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SITA: premature withdrawal is permitted, with profit based on the average SISA rate for completed months.
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The Savings Account has a different access and profit method: withdrawals are permitted after deposit subject to the weekly limit, while profit is calculated on monthly minimum balances and credited each 30 June.
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Eligibility, tax, and Zakat checks
Do not assume every scheme is open to every saver. BSC is limited to specified qualifying categories. PBA and SFWA also have particular eligibility requirements and investment limits, so verify the rules before treating them as available options. General-public eligibility for SSC does not establish eligibility for these restricted schemes.
Tax and Zakat treatment is product-specific and can change. National Savings’ RIC page lists withholding tax of 15% for ATL filers and 30% for non-filers, and says RIC is exempt from Zakat. Its BSC page says withholding tax is not collected on BSC profit and that BSC is exempt from Zakat. Confirm current law and the current product terms before estimating net returns.
Which National Savings scheme pays monthly profit?
The official terms identify RIC and BSC as paying profit monthly. BSC is restricted to qualifying categories, so a reader should not treat it as a general-public alternative to RIC. For PBA, SFWA, and Islamic products, consult the current official product page or FAQ for the payment frequency and applicable conditions.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
