Bachat Certificate Profit Calculator
Estimate profit on National Savings schemes in Pakistan with editable indicative rates. Results update live as you type.
Your investment
Indicative profit rate (editable)
Indicative only — National Savings revises rates periodically. Verify the current official rate with National Savings before investing.
Behbood and Pensioners schemes have eligibility conditions and investment limits. This tool estimates profit only and does not check eligibility.
How to use
- Pick a scheme. The indicative annual profit rate fills in automatically and you can edit it.
- Enter your investment amount and holding period in months, then edit the withholding tax rate on profit if needed.
- Review gross profit, withholding tax, net profit, maturity amount and the effective net annual return.
Note: Profit is estimated as simple annualised profit. Real certificates may compound differently and have early-encashment rules. This estimate is indicative only and is not financial advice.
Frequently Asked Questions (FAQ)
Which National Savings schemes are supported?
Defence Savings Certificates, Behbood Savings Certificates, Pensioners Benefit Account, Regular Income Certificates and Special Savings Certificates. Select a scheme and the indicative annual profit rate fills in automatically, and you can edit it.
Are the profit rates official National Savings rates?
No. The default rates are indicative only. National Savings revises profit rates periodically, so always overwrite the rate field with the current official rate before relying on the result.
How is the withholding tax on profit calculated?
The editable withholding tax rate is applied to the gross profit. Net profit is gross profit minus this tax, and the maturity amount is your original investment plus net profit.
Do Behbood and Pensioners schemes have conditions?
Yes, they have eligibility conditions such as age or pensioner status, plus investment limits. This tool estimates profit only and does not check eligibility, so confirm conditions with National Savings.
Is the calculator free?
Yes, it is free with no signup.