Qaumi Bachat Profit Calculator 2026 – National Savings Rates
Qaumi Bachat (National Savings) Profit Calculator 2026
Compare every National Savings scheme side by side. Enter the amount you want to invest and your tax status to see the exact net profit after withholding tax and zakat, per month and per year.
Manual rates (change if CDNS revises rates)
WHT rate on profit can also be changed: %
Rates: Central Directorate of National Savings revision effective 21 October 2026 (as reported by Pakistan Observer, 24NewsHD and Pakera). Withholding tax: 15% for filers and 30% for non-filers (CDNS FAQ); Behbood, Pensioners’ Benefit and Shuhada accounts are exempt from WHT and zakat. Zakat (2.5% on 1st Ramadan) applies to SSC, DSC and the Savings Account unless you submit a CZ-50 declaration. Rates change often; confirm at your National Savings centre before investing.
How to choose the right National Savings scheme
- 60+, widow or disabled: Behbood Savings Certificates usually win: highest rate, monthly profit, and no withholding tax or zakat.
- Retired pensioner: the Pensioners’ Benefit Account pays the same tax-free monthly rate.
- Need monthly income: Regular Income Certificates or Sarwa Islamic Term Account (5 years).
- Parking money short term: Short Term Savings Certificates (3, 6 or 12 months) avoid zakat.
- Become a filer: non-filers lose 30% of profit to tax instead of 15%.
Is National Savings profit taxable?
Yes, on most schemes. CDNS deducts 15% withholding tax for filers and 30% for non-filers. Behbood, Pensioners’ Benefit and Shuhada Family Welfare accounts are exempt.
How much does Rs 10 lakh earn in Behbood per month?
At 12.96% a year, Rs 10 lakh earns Rs 10,800 a month with no tax or zakat deducted.
When is zakat deducted from National Savings?
On 1st Ramadan, at 2.5%, on Special Savings Certificates, Defence Savings Certificates and the Savings Account, unless you have submitted a zakat exemption declaration (CZ-50).