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Central Directorate of National Savings (CDNS) & SBP BSC Govt of Pakistan

National Prize Bonds & Savings Portal

Official Prize Bond draw results, downloadable text sheets, annual draw schedules, and complete profit rate guides for Behbood, Defence, Regular Income, and Sarwa Islamic savings certificates.

Active Denominations 6 Official Series
Top Single Prize Rs. 80,000,000
Top Monthly Certificate 15.36% (Behbood)
Government Guarantee 100% Sovereign
Download Official Draws (ڈرا رزلٹ) Prize Bond Search Checker Draw Schedule 2026-27 National Savings Products Profit Calculator (منافع)

National Savings Certificates & Investment Schemes Govt of Pakistan

Complete portfolio of sovereign guaranteed savings certificates, pensioner benefits, and Shariah-compliant Islamic investments.

Most Popular for Widows & Seniors Certificates

Behbood Savings Certificates (BSC)

بہبود سیونگز سرٹیفکیٹس
Annual Profit Rate: 15.36% p.a. Rs. 1,280 / month per Rs. 100,000
Maturity Tenure: 10 Years
Profit Payout: Monthly (ماہانہ)
Min Investment: Rs. 5,000
Eligible Investors:

Senior citizens (aged 60+), Widows, and Persons with Disabilities (Special Persons).

Exempt from Zakat & Withholding Tax (0% WHT for eligible holders) Calculate →
Highest Long-Term Growth Certificates

Defence Savings Certificates (DSC)

ڈیفنس سیونگز سرٹیفکیٹس
Annual Profit Rate: 14.40% p.a. Rs. 100,000 grows to ~Rs. 380,000 at 10-year maturity
Maturity Tenure: 10 Years
Profit Payout: At Maturity (کمپاؤنڈ یکمشت)
Min Investment: Rs. 500
Eligible Investors:

All Pakistani citizens, minor accounts, and Overseas Pakistanis.

15% WHT for Filers / 30% for Non-Filers Calculate →
Steady Monthly Income Certificates

Regular Income Certificates (RIC)

ریگولر انکم سرٹیفکیٹس
Annual Profit Rate: 14.64% p.a. Rs. 1,220 / month per Rs. 100,000
Maturity Tenure: 5 Years
Profit Payout: Monthly (ماہانہ منافع)
Min Investment: Rs. 50,000
Eligible Investors:

All Pakistani citizens and general public investors.

15% WHT for Filers / 30% for Non-Filers Calculate →
Medium Term High Yield Certificates

Special Savings Certificates (SSC)

اسپیشل سیونگز سرٹیفکیٹس
Annual Profit Rate: 15.80% p.a. Rs. 7,900 per 6 months (First 5 periods), Rs. 8,300 (6th period)
Maturity Tenure: 3 Years
Profit Payout: Bi-Annual (ہر ۶ ماہ بعد)
Min Investment: Rs. 500
Eligible Investors:

All Pakistani residents, Overseas Pakistanis, and institutions.

15% WHT for Filers / 30% for Non-Filers Calculate →
Exclusively for Retired Staff Accounts

Pensioners Benefit Account (PBA)

پنشنرز بینیفٹ اکاؤنٹ
Annual Profit Rate: 15.36% p.a. Rs. 1,280 / month per Rs. 100,000
Maturity Tenure: 10 Years
Profit Payout: Monthly (ماہانہ)
Min Investment: Rs. 10,000
Eligible Investors:

Retired government, armed forces, semi-government, and autonomous body pensioners.

Exempt from Zakat & Withholding Tax (0% WHT for eligible holders) Calculate →
Honoring Shuhada Families Accounts

Shuhada Family Welfare Account (SFWA)

شہداء فیملی ویلفیئر اکاؤنٹ
Annual Profit Rate: 15.36% p.a. Rs. 1,280 / month per Rs. 100,000
Maturity Tenure: 10 Years
Profit Payout: Monthly (ماہانہ)
Min Investment: Rs. 10,000
Eligible Investors:

Registered families and next-of-kin of military & civilian Shuhada (Martyrs).

Exempt from Zakat & Withholding Tax (0% WHT) Calculate →
100% Shariah Certified Riba-Free Islamic (Rafa)

Sarwa Islamic Savings Account (SISA)

سروا اسلامک سیونگز اکاؤنٹ
Annual Profit Rate: 18.50% p.a. Expected profit ~18.50% p.a. based on Mudarabah profit sharing
Maturity Tenure: Open-Ended
Profit Payout: Bi-Annual (شریعت کے مطابق)
Min Investment: Rs. 500
Eligible Investors:

All individuals seeking 100% Shariah-compliant halal banking.

15% WHT for Filers / 30% for Non-Filers Calculate →
High-Yield Islamic Term Deposit Islamic (Rafa)

Sarwa Islamic Term Account (SITA)

سروا اسلامک ٹرم اکاؤنٹ
Annual Profit Rate: 19.25% p.a. Expected profit ~19.00% to 20.25% p.a. depending on term
Maturity Tenure: 1 Year, 3 Years, 5 Years
Profit Payout: Monthly or At Maturity
Min Investment: Rs. 50,000
Eligible Investors:

All investors desiring Islamic term deposits under Mudarabah pool.

15% WHT for Filers / 30% for Non-Filers Calculate →
Short-Term Liquidity Certificates

Short Term Savings Certificates (STSC)

شارٹ ٹرم سیونگز سرٹیفکیٹس
Annual Profit Rate: 19.50% p.a. ~19.50% annualized return at maturity
Maturity Tenure: 3 Months, 6 Months, 1 Year
Profit Payout: At Maturity (میعاد پر)
Min Investment: Rs. 10,000
Eligible Investors:

All citizens and corporate/institutional investors.

15% WHT for Filers / 30% for Non-Filers Calculate →