Behbood Savings Certificate calculator

Behbood Savings Certificates pay a monthly profit. Enter the amount to see your monthly income before and after tax.

How it's calculated

Monthly profit = amount × 12.72% ÷ 12. That is Rs. 1,060 a month for every Rs. 100,000.
National Savings deducts withholding tax: 15% for filers and 30% for non-filers.

Rs. 1 million gives Rs. 10,600 a month before tax, or Rs. 9,010 for a filer.

Who can buy Behbood certificates?

Eligibility is set by the scheme's rules. Ask at a National Savings centre or check the scheme page before you invest.

Does the rate change after I buy?

National Savings revises rates often. Check the latest summary of profit rates before you invest.

Can zakat be deducted?

Zakat and service charges may apply as per rules, as National Savings notes on its rates page.

Up-to-date official data

Data checked against the official source on 17 October 2026.

We check the official sources automatically, every day.