National saving center

Financial instruments

Investment bases

Mariyam Bibi
roll no 19-Arid-2722
Profit on deposits in national saving schemes W.E.F. 07-11-2022

1. Special Savings Certificates

Profit paid every six months. Subject to deduction of with-holding tax and Zakat as per rules.

Profit No. 1 to 5 13.00% per annum Rs.6500per Rs.100000 (per half

year)

Profit No. 6 (last) 13.60% per annum Rs.6800 per Rs.100000 (per
half year)

15% tax for filer

30% tax for non-filer

2. Special Savings Accounts

Profit paid after every six months. Subject to deduction of with-holding tax and Zakat as per
rules.

Profit No. 1 to 5 13.00% per annum Rs.6500per Rs.100000 (per half

year)

Profit No. 6 (last) 13.60% per annum Rs.6800 per Rs.100000 (per
half year)
 3. Defense Saving Certificates

Value of certificate of Rs. 100,000/- after completion of the period.

Subject to deduction off with- holding tax and Zakat as per rules.

After Value After Value

1 year 108,000 175,000

6 year

2 year 117,000 200000

7 year

3 year 127,000 230,000

8 year

4 year 139000 268,000

9 year

5 year 155,000 318,000

10 year

4. Regular Income Certificates

No time limit

Rs. 1030/- per 100,000/- per month (Profit paid on monthly basis). Paid profit 12.23%.

Subject to deduction of withholding tax as per rules.

5. Savings Accounts (Un-change)

13.50% per Annum subject to deduction of withholding tax and Zakat as per rules.
 6. Pensioner’s Benefit Account

Only for retired Govt. employees.

Rs. 1060/- per Rs. 100,000/- per month (profit paid on monthly basis). Mini limit of Rs. 10,000/- &
Max limit of Rs. 5,000,000/-. Aggre. 13.92 % per annum.

SOLUTION

More investments are done in 6 and 7.

7. Behbood Savings Certificates

Only for widows and senior citizens of Pakistan (above than 60 years of age).

Rs. 1060/- per Rs. 100,000/- per month (profit paid on monthly basis). Mini limit of Rs. 10,000/- &
Max limit of Rs. 5,000,000/-. Aggre. 13.92% per annum.

8. Shuhda Family Welfare Account

Only for Shuhda Family members.

Rs. 1060/- per Rs. 100,000/- per month (profit paid on monthly basis). Aggre. 13.92% per annum.

9. Short-Term Savings Certificate

Subject to deduction of withholding tax as per rules.

STSC (3 MONTH) Rs.3700 per Rs.100000

STSC (6 MONTH) Rs.7430 per Rs.100000

STSC (1 year) Rs.14900 per Rs.100000

Zakta 2.5 % filer 15% income tax and non-filer 30% income tax