Regular Income Certificate calculator
Regular Income Certificates pay you a profit every month. Enter the amount to see the income before and after tax.
How it's calculated
- Monthly profit = amount × 11.76% ÷ 12, or Rs. 980 for every Rs. 100,000.
- Withholding tax is 15% for filers and 30% for non-filers.
An example
Rs. 1 million gives Rs. 9,800 a month before tax, or Rs. 8,330 for a filer.
Frequently asked questions
RIC or Behbood?
Behbood pays more (12.72%) but is limited to eligible investors. RIC is open more widely at 11.76%.
How often do rates change?
National Savings revises them often. This page uses the rates in force from 1 October 2026.
Is a filer always better off?
Yes. Non-filers have tax deducted at twice the filer rate on this profit.
Key terms
- RIC
- Regular Income Certificate, a National Savings product with monthly profit.
Up-to-date official data
Data checked against the official source on .
We check the official sources automatically, every day.
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