PROFIT ON DEPOSITS IN NATIONAL SAVINGS SCHEMES & SARWA ISLAMIC SCHEMES
W.E.F. 19-12-2023
1.SPECIAL SAVINGS CERTIFICATE/ACCOUNT
(Decrease)
16.4% per annum Rs.8200/- per 100,000 (Per 6 Months)
17.40% per annum Rs.8700/- per 100,000 (Per 6 Months)
Profit paid after every six months
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) & zakat (2.5%) as per rules
2.DEFENCE SAVINGS CERTIFICATE (Decrease)
Profit Percentage
Profit No. 1 to 5
Profit No. 6 (Last)
Year
Profit Percentage
12%
Year 06
25%
Year 07
40%
Year 08
190%
58%
Year 09
235%
Year 10
282%
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) & zakat (2.5%) as per rules
3.REGULAR INCOME CERTIFICATE (Increase)
Rs.1260/- per month on Rs.100,000/- (15.12% per annum)
Year
Year 01
Year 02
Year 03
Year 04
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) as per rule
4. BEHBOOD SAVINGS CERTIFICATE (Decrease)
Only for Widow, Senior Citizen and Physically Challenged Person
Rs.1,340/- per month on Rs.100,000/- (16.08% per annum)
Minimum Limit of Rs.5,000/- & Max. Limit of Rs.7,500,000/-
5. PENSIONER'S BENEFIT ACCOUNT (Decrease)
Only for Retired Government Employees
Rs.1,340/- per month on Rs.100,000/- (16.08% per annum)
Minimum Limit of Rs.10,000/- & Max. Limit of Rs. 7,500,000/-
6.SHUHADAS FAMILY WELFARE ACCOUNT (SFWA) (Decrease)
Only for the families of Shuhadas
Rs.1,340/- per month on Rs.100,000/- (16.08% per annum)
Minimum Limit of Rs.10,000/- & Max. Limit of Rs.7,500,000/-
7.SHORT-TERM SAVINGS CERTIFICATES (Decrease)
STSC (3-Months) 5180/.Rs
SAVINGS
STSC (6-Months) 10380/.Rs
STSC (1-Year) 20800/.Rs
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) as per rules
8.SAVING ACCOUNT (Increase)
20.50% per annum
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) & zakat (2.5%) as per rules
9.SARWA ISLAMIC TERM ACCOUNT - SITA (3 Decrease & 5 Year Increase)
Rs.21,370/- per 100,000/-
Rs.9000/- per 100,000/-
1 Year
(Profit At maturity)
3 Years (Bi-Annual Profit
Payment)
5 Years (Monthly Profit
Payment)
Expected Rate=
21.37% per annum
Expected Rate=
18.00% per
annum
Expected Rate=
15.66% per
Rs.1,305/- per 100,000/-
annum
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%), Zakat & Service Charges as per
rules
10.SARWA ISLAMIC SAVING ACCOUNT-SISA (Increase)
20.5% per annum
Monthly Profit Payment
Subject to deduction of withholding tax (Filer 15% / Non-Filer 30%) & zakat (2.5%) as per rules
RITC-SECTION-KHI
national savings schemes profit,
qaumi bachat monthly profit, behbood savings new profit