National Savings Account profit calculator
The National Savings Account lets you deposit and withdraw while earning profit. Enter your balance and months to see the profit.
How it's calculated
- Profit = balance × 10% × months ÷ 12, assuming the balance stays the same.
- Withholding tax is 15% for filers and 30% for non-filers.
An example
Rs. 500,000 for a year earns Rs. 50,000, or Rs. 42,500 for a filer.
Frequently asked questions
Is a non-filer taxed more?
Yes. National Savings deducts 30% from a non-filer's profit, against 15% for a filer.
Did the savings account rate change on 1 October 2026?
No. National Savings noted that the Savings Account rate stayed at 10%.
What if my balance changes?
Then the profit changes too. Use an average balance for a rough estimate.
Key terms
- Savings Account
- A National Savings account for regular deposits and withdrawals.
Up-to-date official data
Data checked against the official source on .
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