Defence Savings Certificate Profit 2026: Value of Rs 1 Lakh for Every Year, 21 October Table

Under the National Savings rate card of 21 October 2026, Rs 100,000 in Defence Savings Certificates is worth Rs 110,000 after one year, Rs 167,000 after five and Rs 315,000 after ten, up from Rs 305,000 on the 1 October card. Below is the value for every year from one to ten, what it means as a yearly return, what tax takes off, and what you lose if you cash out early.

We read the CDNS rate card on the National Savings profit rates page on 24 October 2026. Unlike the monthly schemes, it prints Defence Savings as a total percentage gain for each year you hold the certificate. We turned those percentages into rupees.

Defence Savings Certificate value for each year held, from 21 October 2026

The 21 October card shows a total gain of 10% after one year, 34% after three, 67% after five, 142% after eight and 215% after ten. On Rs 100,000 that is Rs 110,000, Rs 134,000, Rs 167,000, Rs 242,000 and Rs 315,000 before tax.

The yearly return column is the compound rate that turns Rs 100,000 into each value, worked out by us. It shows the design plainly: the certificate rewards patience. Hold one year and you earn 10%. Hold all ten and the average rises above 12%.

The 21 October card adds Rs 10,000 at maturity on every Rs 100,000

On the 1 October card, Rs 100,000 grew to Rs 305,000 over ten years. On the 21 October card it grows to Rs 315,000. The first three years did not change, so the gain sits almost entirely in years five to ten.

The 1 October figures are the ones we read on that day's card for our October rate change report. Ask your centre which schedule applies to a certificate you already hold, because the card does not say.

Cash a Defence Savings Certificate before one year and you get only your money back

The National Savings FAQ says a Defence Savings Certificate can be cashed at face value any time after purchase, but no profit is paid if you cash it before one full year. After that, the card's value for the years completed is what you get, before tax.

So the first year is a lock in practice. Cash a Rs 100,000 certificate after eleven months and you receive Rs 100,000, nothing more. The card prints values only at the end of each completed year, so plan any withdrawal for just after an anniversary of your purchase date.

Other schemes charge a fee instead. Regular Income takes 2% of face value in the first year, for example. The early encashment rules for each scheme list the charges side by side.

Tax takes 15% or 30% of the profit when it is paid

The CDNS FAQ says profit on Defence Savings Certificates is subject to withholding tax, and the card gives the rates: 15% for filers and 30% for non-filers, plus zakat at 2.5% where the rules apply. Tax falls on the profit, not on your original money.

If tax is deducted on the whole profit when you cash a certificate at ten years, our arithmetic gives these figures for Rs 100,000:

1. Value at ten years: Rs 315,000, of which Rs 215,000 is profit.
2. A filer pays 15% of Rs 215,000, which is Rs 32,250, and receives Rs 282,750.
3. A non-filer pays 30%, which is Rs 64,500, and receives Rs 250,500.
4. Zakat, where it applies, is deducted under its own rules and is not included above.

The Rs 32,250 gap between filer and non-filer on a single lakh is the strongest case for filing a return before you invest. The zakat rules for National Savings explain who can claim exemption.

Defence Savings suit money you will not need for at least five years

A certificate held under five years averages below 11% a year on this card, less than Regular Income at 12.12% or Special Savings at 12%. Held for eight to ten years it beats both, without any monthly income in between.

That makes it a fit for a child's education fund or a marriage fund with a fixed date, not for monthly household money. If you need income every month, the monthly schemes do that job. For the buying process, papers and denominations, see how to buy Defence Savings Certificates. Note that its headline figure of Rs 305,000 is the 1 October value.

Common questions

How much is Rs 1 lakh worth in Defence Savings after 10 years?

Rs 315,000 before tax, on the CDNS rate card of 21 October 2026.

What is the Defence Savings Certificate profit rate in October 2026?

The card gives no single rate. It shows a 215% total gain over ten years, which is about 12.16% a year compounded, by our arithmetic.

Can I cash a Defence Savings Certificate after six months?

Yes, at face value. National Savings says no profit is paid before one full year.

How much is Rs 10 lakh worth after five years?

Rs 1,670,000 before tax on the 21 October 2026 card.

Is tax deducted on Defence Savings profit?

Yes. Withholding tax is 15% for filers and 30% for non-filers, and zakat at 2.5% applies where the rules require it.

How we verified this

What we checked, where we read it, and what we could not confirm.

Last checked 24 October 2026. Year by year gains and the tax and zakat lines come from the CDNS rate card dated 21 October 2026 on savings.gov.pk. The rules on early encashment and withholding tax come from the National Savings FAQ. The 1 October values come from that day's card, as we reported then. All rupee values, yearly returns and after-tax figures are our arithmetic. We could not confirm from CDNS whether tax is deducted at encashment or year by year, or which schedule applies to certificates bought before 21 October.