National Savings of Pakistan Online information and updates


The federal government has once again revised the rate of return of National Savings Schemes, under which the monthly profit of Pensioner Benefit Accounts is Rs. 830 per investment and Rs. 830 per month for Senior Citizens and Rs. After 6 months, the investment has been increased to Rs. 3500

Savings account profit margin decreased by 200 basis points to 6.5%. Pensioners take advantage and offer Accounts and Multiple Savings Certificates which give an annual profit of 9.84%. Qaumi Bachat is the largest investment and financial institution in Pakistan with a net worth of Rs 3.4 trillion. People can invest in its products through its 376 branches in Pakistan.

National Savings of Pakistan Online information and updates

Rs.634 per month will be paid on Rs.1 lakh on regular scheme regular income certificate. The three-month scheme will pay Rs 1,700 on short term, Rs 3,380 for six months and Rs 6,660 on one-year deposit. The new rates have been applied from 2nd July 2020.

National Savings of Pakistan

National Savings Organization is functioned as a Publicity organization in December 1971 and its activities were merely promotional in nature. It is working under the State bank of Pakistan which organized prize draws every month two times like at the start of the month and middle of the month and the schedule of prize bond is issued by SBP earlier on the official website, Profi rate also announced. You can check Rates on National Savings Products and Revised Rates of Withholding tax which has been Revised every year.

It has four zones, twelve regions and 376 branches in Pakistan with more than seven million customers. All Pakistani Nationals can invest in all National Savings Schemes/ Products. Single adults, a minor, two adults in their joint names with the options of payable to the holders together (Joint-A) or payable to either (Joint-B). A person can also buy these products on behalf of a single minor, two minors together or himself/herself with a minor jointly.

According to the notification of the Ministry of Finance, the monthly profit of pension benefit has been increased to Rs. 830 per investment of Rs. 100,000. Similarly, the monthly profit of senior citizen will also be Rs. One hundred rupees will be given


The schemes of BSC and PBA are particularly designed for widows and senior residents aged 60 years and above and retired Government Servants respectively. They are eligible to invest, singly or jointly. Two eligible folks can also buy BSCS jointly. Whereas in the case of PBA, pensioners may additionally open PBA together with an eligible family pensioner.The establishments may additionally invest the man or woman dollars such as a pension, gratuity, superannuation, contributory furnish of fund and trusts and so forth in DSCs, SSC, SSA, RICs, STSCs and Savings Account. However, a public or non-public two-sector, Institutions, two except for banks, Insurance businesses & mutual dollars can make investments in Premium Prize Bonds.

A non-resident Pakistani can make an investment in National Savings Schemes from overseas with the aid of sending Cheque / Draft in any currency in favor of Officer Incharge of National Savings Centre along with the software form duly stuffed in and copies of Passport and National Identity Card. The Bank Draft got prepared in Pak rupee from overseas are cleared a great deal until now than those in overseas currency. It would be extra fantastic if these are additionally payable at the same metropolis to the National Savings Centre where the investment is intended to be made. The funding in all the National Savings Schemes is maintained and expressed in Pak rupee only. Amount acquired in foreign currency is converted into Pak rupee on the prevailing alternate charge through normal banking channels for funding in National Savings Schemes.

Moreover, the fundamentals and earnings accrued on a certificate issued against overseas exchange received through remittance shall be payable abroad to the client in overseas change if so favored by means of the investor. For the purpose, the payable quantity shall be converted into the desired foreign money at the change fee prevailing at the time of conversion/payment. The certificates will be dispatched through registered post on the given address.

Government of Pakistan Central Directorate of National Savings, Islamabad New Rates on National Savings Products and new rates of Withholding Tax on Profit of National Savings Schemes is given on Visit regular this page for more information,  updates and notifications National Savings of Pakistan Online information

National Savings of Pakistan Online information 

National Savings Certificates

Defence Savings Certificates

To meet the economic wishes of lengthy-term category investors and supply them with the chance to take maximum advantage of their savings, the Government of Pakistan added Defence Savings Certificates (DSCs) scheme in the 12 months 1966. The scheme has in particular been designed to meet the future requirements of the depositors with a maturity period of 10 years.

These Certificates are available in the denominations of:

500/-, Rs.1000/-, Rs. 5,000/-, Rs. 10,000/-, Rs. 50,000/, Rs. 100,000/-, Rs. 500,000/-, Rs. 1,000,000/-

All Pakistani Nationals as nicely as Foreign Nationals can purchase DSCs being a person singly, a minor with the guardian and two adults jointly, the place the payments can be obtained either by using both at the same time or any one of the holders. A person can also purchase DSC on behalf of a single minor, two minors at the same time or as a joint with a minor. Institutions can also additionally make investments their employees’ associated dollars such as a pension, gratuity, superannuation, contributory provident fund, and trusty fund, etc.

DSCs can be bought from any National Savings Centre (NSC), Pakistan Post Office (PPO) or approved branches of Scheduled Banks and the State Bank of Pakistan (SBP) by way of filling in the SC-I(Application Form) which available free of price from all the above issuing offices.

Documents Required with the Application Form

Adult Pakistanis

 Computerized National Identity Card (CNIC) Copy
Overseas Pakistanis

National Identity Card for Overseas Pakistanis (NICOP) or Pakistan Origin Card (POC) Minor Copy

A copy of Form B or Child Registration Certificate (CRC) as issued by way of NADRA Institutional Investors

An attested copy of NTN Certificate or Institutional Registration Certificate (IRC). Foreign Nationals

DSCs can be purchased by way of depositing money or cheque/ draft/ pay-order at the Issuing Office. The Certificate shall be issued without delay towards cash payment. However, in case of credit through cheque/ draft/ pay-order, the Certificate shall be issued on the date of realization of the cheque/ draft/ pay-order after receiving the clearance advice.

DSCs are encashable at par any time after the date of purchase. However, no income is payable if encashment is made before completion of one complete year. DSCs issue/purchase/re-invested on or after November 15, 2010, shall now not be re-invested on maturity. The price of tax to be deducted shall be as follows:

Filers: In case the payable earnings are Rs 500,000/- or above, the price shall be 15% on such profit.however in case earnings is much less than Rs 500,000/- the price of WHT shall be 10% of the yield/profit.
Non-Filers: In case the payable earnings are Rs 500,000/- or above, the charge shall be 30% on such two profit.however in case income is less than Rs 500,000/- the fee of WHT shall be 20% of the yield/profit.

Behbood Savings Certificates

Keeping in view the hardships faced via the widows and senior citizens, Behbood Savings Certificates (BSCs) with a 10-years maturity length have been launched by means of the Government of Pakistan on July 30, 2003. Initially, BSC was supposed for widows only; however, it was determined later by way of the Government to prolong the facility to senior citizens aged 60 years and above with effect from January 1, 2004. It has now similarly been prolonged to Disables protecting NIC with Disability logo or Special Minors through Guardians with effect from April 23, 2018.

BSC is available in the denominations of:

Rs.5, 000/-, Rs. 10,000/-, Rs. 50,000/-, Rs. 100,000/-, Rs. 500,000/- Rs. 1,000,000/-.

Profit is paid on a month-to-month basis started out from the date of buy of the certificates.

BSCs can be bought through any of the following Citizens of Pakistan, namely: –

(a)A senior citizen aged sixty years or above

(b)A single widow as long as she does not re-marry

(c)Two eligible persons as in clause (a) and (b) in their joint names

(d) Disables preserving NIC with Disability logo, and distinctive minor via a Guardian.

Payments can be made the holders at the same time or to either with the written consent of the other (Joint class-A) and to both (Joint class-B).

Regular Income Certificates

Keeping in view the monthly necessities of the well-known public, the Regular Income Certificates (RICs) with maturity duration of 5 years were launched on February 2, 1993.

RICs are handy in the denominations of:

50,000/-, Rs. 100,000/-, Rs. 500,000/-, Rs. 1,000,000/-, Rs.5,000,000/-, Rs.10,000,000/-
Profit is paid on monthly groundwork commenced from the date of the issue of certificates.

Special Savings Certificates

Special Savings Certificates (SSCs) with a (maturity duration of three years) were launched on February 4, 1990, that presents a unique investment possibility for small and medium savers to meet their periodic financial needs.

SSCs are accessible in the denomination of:

500/-, Rs.1000/-, Rs. 5,000/-, Rs. 10,000/-, Rs. 50,000/-, Rs. 100,000/-, Rs. 500,000/-, Rs. 1,000,000/-
Profit is payable on the completion of each duration of six months.

National Saving Accounts:

Savings Account

Savings Account (SA) is the oldest/primeval supplying of the National Savings with a product format to motivate the small savers to invest in a way that helps them meet their everyday economic needs. Savings Account gives a top-notch facility to its investor for withdrawing the amount deposited three times a week.

Pensioners Benefit Account

Keeping in view the hardships faced by the pensioners and for helping them having an ordinary stream of earnings even after their retirement, the Government of Pakistan has launched Pensioners’ Benefit Account (PBA) with maturity duration of 10 years on January 19, 2003. The deposits are maintained in the structure of bills and the income is paid on a monthly basis began from the date of opening of the account/ deposit.

Special Savings Account

This investment scheme was launched in February 1990 with a maturity period of three years the place the profit is paid on the completion of each period of six months or on completion of three years, as the case might also be.


Shuhadas Family Welfare Account (SFWA) is offered to benefit the families of Shuhadas of Armed Forces, Law Enforcement agencies and civilians to invest in a way for providing maximum social security net to the deserving segment of society. through the introduction of this scheme, the basket of specialized National Savings Scheme will now cover senior citizen, pensioner, widow, physically challenged persons and family members of the Shuhada.

National Savings of Pakistan Online information and Updates

National Savings of Pakistan Online Updates

Rates on National Savings Products

Rates on National Savings Products have been Revised

Revised Rates of Withholding tax.

Revised Rates of Withholding tax.