National Savings Calculator Pakistan 2026 — Behbood, RIC, DSC Profit

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Calculate your exact monthly profit from Behbood, Regular Income, Defense Savings, and Special Savings Certificates — with withholding tax deducted for both filers and non-filers. Rates verified against CDNS (savings.gov.pk).

PKR

= 5 Lakh

Monthly Net Profit

PKR 3,613

3.6 Hazar / month

Annual Net Profit

PKR 43,350

43.4 Hazar / year

Profit Breakdown
Annual Gross Profit (10.20%)PKR 51,000
Withholding Tax (15% — Filer)- PKR 7,650
Annual Net ProfitPKR 43,350
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⚠️ Important

Rates shown are approximate as of March 2026. National Savings rates change periodically. Always verify current rates at savings.gov.pk before investing. Not financial advice.
Data Sources: 🏛️ CDNS savings.gov.pk 📋 FBR WHT Rates

National Savings Certificates in Pakistan — What You Need to Know

National Savings Pakistan (Central Directorate of National Savings — CDNS) offers government-backed, risk-free investment certificates to Pakistani citizens. These are one of the most popular savings instruments for the Pakistani middle class and retirees because the profit is guaranteed by the Government of Pakistan.

Filer vs Non-Filer WHT

Under FBR 2025-26 rules, Withholding Tax (WHT) on National Savings profit is:

  • Active Filer (ATL registered): 15% deducted at source
  • Non-Filer: 30% deducted at source

Registering as a filer at iris.fbr.gov.pk is free and can save you thousands of rupees every year on your savings profit.

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