National Savings Monthly Profit on 1 to 75 Lakh: Behbood, Pensioner and Regular Income Table

From 21 October 2026, Rs 10 lakh in Behbood Savings Certificates or a Pensioners' Benefit Account pays Rs 10,800 a month with no tax deducted, and Rs 10 lakh in Regular Income Certificates pays Rs 10,100 a month before tax, or Rs 8,585 to a filer. The table below gives the monthly profit for every common amount from Rs 1 lakh to the Rs 75 lakh limit, for each National Savings scheme that pays monthly, after tax for filers and non-filers.

All figures come from the Central Directorate of National Savings (CDNS) rate card dated 21 October 2026, which we read on savings.gov.pk on 24 October. The card prints the profit on each Rs 100,000. We multiplied it out for you.

Monthly profit on Rs 1 lakh to Rs 75 lakh from 21 October 2026

Behbood, Pensioners' Benefit and Shuhada accounts pay Rs 1,080 a month per lakh, so Rs 10 lakh earns Rs 10,800 and the Rs 75 lakh maximum earns Rs 81,000. Regular Income pays Rs 1,010 per lakh before tax, so Rs 10 lakh earns Rs 10,100.

Rs 75 lakh, or Rs 7,500,000, is the maximum the CDNS card allows in Behbood, the Pensioners' Benefit Account and the Shuhada account. The filer and non-filer columns take off 15% and 30% withholding tax, the rates the CDNS card and FAQ give for Regular Income.

Behbood and Pensioners' Benefit profit is paid without withholding tax

The CDNS FAQ says no withholding tax is collected on Behbood profit, and that the Pensioners' Benefit Account is exempt from withholding tax. So a widow or a retired government employee with Rs 10 lakh receives the full Rs 10,800 a month.

That tax rule is the real gap between the schemes. On Rs 10 lakh, a filer in Regular Income receives Rs 8,585 a month, Rs 2,215 less than Behbood. A non-filer receives Rs 7,070, which is Rs 3,730 less. Over a year, that non-filer gap comes to Rs 44,760.

The card does not say whether Shuhada profit is taxed, and we did not find a CDNS line on it, so the table shows Shuhada under the same rate but we make no tax claim for it. Ask at the centre when you open the account. Our Shuhada Family Welfare Account report lists the papers.

Who can put money in each monthly scheme

Behbood is for widows, senior citizens and people with disabilities. The Pensioners' Benefit Account is for retired government employees. The Shuhada account is for families of martyrs. Regular Income Certificates and the Sarwa Islamic accounts are open to ordinary savers.

The eligibility lines and limits for the first three are printed on the 21 October card. For Regular Income and Sarwa Term the card gives the rate but no limits, so we leave those to the centre. How to buy each one is covered in buying Behbood certificates and opening a Pensioners' Benefit Account.

Work out your own monthly profit in three steps

Divide your amount by 100,000, then multiply by the scheme's figure on the CDNS card: Rs 1,080 for Behbood, Pensioners' Benefit and Shuhada, Rs 1,010 for Regular Income. For Regular Income, take 15% off if you are a filer and 30% if not.

1. Divide the amount you invest by 100,000. Rs 7,50,000 becomes 7.5.
2. Multiply by the monthly figure. For Behbood, 7.5 times Rs 1,080 is Rs 8,100 a month.
3. For a taxed scheme, take off the tax. For Regular Income, 7.5 times Rs 1,010 is Rs 7,575, and a filer keeps 85%, which is Rs 6,438.75.

The CDNS rate sheet itself gives this method in a note at the bottom: divide the table figure by 100,000 and multiply by your investment. The Sarwa Islamic Savings Account works the same way at an expected Rs 973.15 a month per lakh, so Rs 10 lakh earns about Rs 9,731.50 before tax.

These figures change whenever CDNS changes its rates

CDNS changed the Behbood rate seven times in 2026, most recently on 21 October. The State Bank's policy meeting on 26 October 2026 could trigger another change. Recheck the rate card before you invest, and use these figures only until the next revision.

Behbood paid Rs 1,060 a month per lakh from 1 to 20 October, so Rs 10 lakh earned Rs 10,600 then. Before that, from 4 September, it paid Rs 1,050, as our October rate change report showed.

If a monthly profit does not arrive, ask your centre first. Profit can be credited to your own bank account instead of collected in cash, and having profit paid into your bank account explains the form. A warning, too: some families put money in an elderly relative's Behbood account to get the higher rate. The account is in that relative's name, which can cause ownership and inheritance problems later.

Common questions

How much profit does Rs 10 lakh earn in Behbood per month?

Rs 10,800 a month from 21 October 2026, at 12.96% a year, with no withholding tax.

How much does Rs 10 lakh earn in Regular Income Certificates?

Rs 10,100 a month before tax. A filer keeps Rs 8,585 and a non-filer Rs 7,070.

What is the most I can put in Behbood?

Rs 7,500,000, or Rs 75 lakh, according to the CDNS rate card. That earns Rs 81,000 a month.

How much does Rs 5 lakh earn in a Pensioners' Benefit Account?

Rs 5,400 a month at the 21 October 2026 rate, with no withholding tax.

How much does Rs 1 lakh earn in Behbood?

Rs 1,080 a month, or Rs 12,960 a year, from 21 October 2026.

Is zakat deducted from Behbood?

The 21 October card does not mention zakat for Behbood. It does for Special Savings, Defence Savings and the Savings Account. Our zakat on National Savings report covers each scheme.

How we verified this

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

Last checked 24 October 2026. Rates, monthly figures per Rs 100,000, eligibility and limits come from the CDNS rate card dated 21 October 2026 and the Behbood, Pensioners' Benefit and Shuhada rate sheet on savings.gov.pk. The tax treatment of Behbood, Pensioners' Benefit and Regular Income comes from the National Savings FAQ. Every amount above Rs 1 lakh and every after-tax figure is our arithmetic. We could not confirm the tax treatment of Shuhada profit or the limits for Regular Income and Sarwa Term from those pages.