فوری جواب
قومی بچت کی موجودہ منافع کی شرحیں کیا ہیں؟
بہبود سیونگز سرٹیفکیٹ اور پینشنرز بینیفٹ اکاؤنٹ قومی بچت کی سب سے اونچی شرح دیتے ہیں — سالانہ 13.2%، ٹیکس رعایت کے ساتھ مگر صرف اہل بچت کنندگان کے لیے۔ سب کے لیے کھلی اسکیمیں تقریباً 12–12.6% تک جاتی ہیں، جن میں ریگولر انکم سرٹیفکیٹ ماہانہ ادائیگی پر 12.24% دیتا ہے۔ جب CPI مہنگائی تقریباً 11.1% ہو تو صرف اونچی شرح والے سرٹیفکیٹ ہی حقیقی معنوں میں مہنگائی کو مات دیتے ہیں۔
- سب سے اونچی شرح (بہبود)13.2%
- CPI مہنگائی~11.1%
- CDNS نظرثانی2026-06-10
NationalSavingsRates
Every CDNS profit rate — Behbood, Defence, Regular Income and more — with the real return after inflation, in one clean table.
Profit rates today
Government-backed Qaumi Bachat schemes, sorted by rate.
| Scheme | Profit rate | Real return* | Payout | Tax | Min amount |
|---|---|---|---|---|---|
Behbood Savings Certificateبہبود سیونگز سرٹیفکیٹ 10 years · Senior citizens (60+) | 13.20%p.a. | +1.9% | Monthly | No WHT | Rs 5,000 |
Pensioners' Benefit Accountپینشنرز بینیفٹ اکاؤنٹ 10 years · Retired government / armed forces employees receiving pension | 13.20%p.a. | +1.9% | Monthly | No WHT | Rs 10,000 |
Special Savings Certificateاسپیشل سیونگز سرٹیفکیٹ 3 years · Any Pakistani citizen or overseas Pakistani — no restriction | ~12.60%p.a. | +1.4% | Every 6 months | 15% filer / 30% non-filer | Rs 500 |
Regular Income Certificateریگولر انکم سرٹیفکیٹ 5 years · Any Pakistani citizen or overseas Pakistani — no restriction | 12.24%p.a. | +1.0% | Monthly | 15% filer / 30% non-filer | Rs 50,000 |
Defence Savings Certificateڈیفنس سیونگز سرٹیفکیٹ 10 years · Any Pakistani citizen or overseas Pakistani — no restriction | 11.91%p.a. | +0.7% | At maturity | 15% filer / 30% non-filer | Rs 500 |
Short Term Savings Certificateشارٹ ٹرم سیونگز سرٹیفکیٹ 3, 6 or 12 months · Any Pakistani citizen or overseas Pakistani — no restriction | 11.77%p.a. | +0.6% | At maturity | 15% filer / 30% non-filer | Rs 10,000 |
Savings Accountسیونگز اکاؤنٹ No lock-in · Any Pakistani citizen; minors via a guardian | ~10.00%p.a. | -1.0% | Yearly | 15% filer / 30% non-filer | Rs 100 |
*Real return = purchasing-power growth after ~11.1% CPI inflation (June 2026, PBS). Rates marked ~ are approximate — verify on savings.gov.pk before buying.
Which certificate fits me?
Answer 4 quick questions — we'll match you with 1–2 schemes and explain why.
The inflation reality check
A high profit rate isn't the same as getting richer.
Put Rs 100,000 in Behbood Savings Certificate at 13.20% and it pays about Rs 1,100 a month. But with inflation near 11.1%, prices rise by roughly Rs 925 a month on that same Rs 100,000 of spending power. What actually grows your wealth is the difference.
Monthly profit paid
Rs 1,100
Eaten by inflation
−Rs 925
Real monthly gain
+Rs 175
Good to know before you buy
Encashment rules, withholding tax, and where to actually buy.
What is the Behbood Savings Certificate rate right now?
As of the June 2026 CDNS revision, Behbood Savings Certificates pay 13.20% per annum — roughly Rs 1,100 per month on every Rs 100,000 invested. Behbood is open only to senior citizens (60+), widows and persons with disabilities, and its profit carries no withholding tax. Always confirm the current rate on savings.gov.pk before buying.
Are National Savings profits tax-free?
Mostly no. Profit on schemes like Defence Savings, Special Savings, Regular Income and Short Term certificates carries 15% withholding tax for filers and 30% for non-filers. The exceptions are Behbood Savings Certificates and the Pensioners' Benefit Account, which are exempt from withholding tax and whose profit is taxed at a capped rate — effectively tax-free for most retirees.
Can I cash a savings certificate before maturity?
Yes — all CDNS schemes are encashable early, but the cost varies. Savings Accounts have no penalty at all. Special Savings Certificates pay no profit if cashed within 6 months. Defence Savings Certificates pay zero profit in the first year and heavily reduced profit in early years. Behbood and Pensioners' accounts deduct service charges if encashed within the first 4 years.
Where can I buy National Savings certificates?
At any National Savings Centre (CDNS branch), Pakistan Post office, and — under the bank agency model — at authorised branches of major commercial banks. You need your CNIC, and for Behbood/Pensioners' accounts, proof of eligibility (age, widowhood or pension book). Overseas Pakistanis can invest through Roshan Digital Accounts in selected schemes.
Do National Savings certificates beat inflation?
Sometimes, and only barely. With headline CPI inflation around 11.1% (June 2026), a 13.2% Behbood certificate earns roughly a +1.9% real return, while a 10% Savings Account loses about 1% of purchasing power per year. The real (inflation-adjusted) return is what actually grows your wealth — our table computes it for every scheme.
Disclaimer: Rates change whenever CDNS revises them and parsing can lag the official announcement. This page is educational — always confirm the current rate sheet at savings.gov.pk or your nearest National Savings Centre before investing.