Qomi Bachat profit rate on 1 lakh is up to Rs 1,080 a month in November 2026. A Regular Income Certificate pays Rs 1,010 a month on Rs 1 lakh, Behbood Savings Certificate pays Rs 1,080 (for eligible people), and the ordinary Savings Account about Rs 833, all before tax. These rates apply from 21 October 2026.
Last updated: 4 November 2026 by Ahmed. Rates checked on official bank, CDNS and State Bank sources on 3 to 4 November 2026.
Compare any amount with banks in our Bank Profit Calculator, or read the full guide to bank profit rates in Pakistan.
Qomi Bachat Profit Rate on 1 Lakh: Every Scheme
| Scheme | Yearly rate | Profit on Rs 1 lakh | Monthly average, filer (15% tax) | Monthly average, non-filer (30% tax) |
|---|---|---|---|---|
| Behbood Savings Certificate (seniors 60+, widows, disabled) | 12.96% | Rs 1,080 a month | Rs 918 | Rs 756 |
| Pensioners’ Benefit / Shuhada Family Welfare Account | 12.96% | Rs 1,080 a month | Rs 918 | Rs 756 |
| Regular Income Certificate (RIC) | 12.12% | Rs 1,010 a month | Rs 858 | Rs 707 |
| Sarwa Islamic Term Account, 5 years | 12.12% | Rs 1,010 a month | Rs 858 | Rs 707 |
| Special Savings Certificate / Account | 12.00% | Rs 6,000 every 6 months | Rs 850 | Rs 700 |
| Defence Savings Certificate | 11.94% | Paid at the end (10 years) | Rs 846 | Rs 696 |
| Sarwa Islamic Savings Account | 11.84% | About Rs 973 a month (expected) | Rs 839 | Rs 691 |
| Short Term Savings Certificate, 1 year | 11.72% | Rs 11,720 at maturity | Rs 830 | Rs 684 |
| Savings Account (SA) | 10.00% | Rs 833 a month | Rs 708 | Rs 583 |
Qomi Bachat Monthly Profit from 1 Lakh to 1 Crore
| Amount | Regular Income Certificate (12.12%) | RIC after 15% tax | Behbood (12.96%) | Behbood after 15% tax |
|---|---|---|---|---|
| Rs 1 lakh | Rs 1,010 | Rs 858 | Rs 1,080 | Rs 918 |
| Rs 2 lakh | Rs 2,020 | Rs 1,717 | Rs 2,160 | Rs 1,836 |
| Rs 3 lakh | Rs 3,030 | Rs 2,575 | Rs 3,240 | Rs 2,754 |
| Rs 5 lakh | Rs 5,050 | Rs 4,292 | Rs 5,400 | Rs 4,590 |
| Rs 10 lakh | Rs 10,100 | Rs 8,585 | Rs 10,800 | Rs 9,180 |
| Rs 20 lakh | Rs 20,200 | Rs 17,170 | Rs 21,600 | Rs 18,360 |
| Rs 50 lakh | Rs 50,500 | Rs 42,925 | Rs 54,000 | Rs 45,900 |
| Rs 1 crore | Rs 1,01,000 | Rs 85,850 | Rs 1,08,000 | Rs 91,800 |
Qomi Bachat Profit Rate on 1 Lakh vs Bank Profit
| Option | Rate | Monthly profit on Rs 1 lakh (before tax) | Tax for filers |
|---|---|---|---|
| Behbood Savings Certificate | 12.96% | Rs 1,080 | 15% |
| Regular Income Certificate | 12.12% | Rs 1,010 | 15% |
| Bank savings account (minimum from 1 Nov 2026) | 10.50% | Rs 875 | 20% |
| Qomi Bachat Savings Account | 10.00% | Rs 833 | 15% |
| Meezan Bank Rupee Savings (Oct 2026) | 6.79% | Rs 566 | 20% |
At the current Qomi Bachat profit rate on 1 lakh, a filer gets about Rs 858 a month from a Regular Income Certificate against Rs 700 from a bank savings account on the same Rs 1 lakh.
How to Invest in Qomi Bachat at This Profit Rate
- Visit any National Savings centre with your original CNIC (and proof of eligibility for Behbood, Pensioners’ or Shuhada schemes).
- Choose the scheme, fill in the application and deposit the amount by cheque or pay order.
- Monthly-profit schemes such as RIC and Behbood credit profit to your account each month.
- Give your filer status so the correct 15% tax is deducted instead of 30%.
Common Mistakes
- Cashing a certificate early; it reduces the profit you have already earned at the Qomi Bachat profit rate.
- Assuming the rate is fixed. CDNS revises rates every few weeks, usually after State Bank decisions.
- Investing in Behbood without checking eligibility.
- Comparing a 6-monthly payout (Special Savings) with monthly schemes without dividing by 6.
Related guides: Read our guides on T-Bills in Pakistan, prize bonds in Pakistan and best investments for monthly income.
Frequently Asked Questions
What is the Qomi Bachat profit rate on 1 lakh per month in 2026?
From 21 October 2026, a Regular Income Certificate pays Rs 1,010 a month on Rs 1 lakh and Behbood Savings Certificate pays Rs 1,080, both before tax.
Qomi bachat mein 1 lakh par kitna munafa milta hai?
Regular Income Certificate mein Rs 1,010 mahana aur Behbood mein Rs 1,080 mahana (tax se pehle). Filer ko 15% tax ke baad RIC par taqreeban Rs 858 milte hain.
Is Qomi Bachat better than a bank?
For monthly income, yes right now: 12.12% to 12.96% against 10.5% in a bank savings account, and filers pay 15% tax instead of 20%. A bank account is easier to withdraw from.
How much tax is deducted on National Savings profit?
15% for filers on the Active Taxpayers List and 30% for non-filers, deducted at source.
Who can invest in Behbood Savings Certificate?
Pakistani senior citizens aged 60 or above, widows, and people with disabilities, as set by CDNS.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with your bank or CDNS before you invest.
FAQs (Roman Urdu)
Qomi Bachat mein 1 lakh par mahana kitna munafa milta hai?
Regular Income Certificate par Rs 1,010 aur Behbood par Rs 1,080 mahana (21 October 2026 ke rates, tax se pehle).
Filer ko tax ke baad kitna milta hai?
RIC par 15% tax ke baad taqreeban Rs 859 mahana; non-filer par 30% tax ke baad taqreeban Rs 707.
Behbood certificate kaun le sakta hai?
60 saal se zyada umar wale, bewa (widows) aur disabled afraad. Is par tax at source nahi katta.
Bank behtar hai ya Qomi Bachat?
Bank savings ab kam az kam 10.5% deti hain (1 lakh par Rs 875); Qomi Bachat ke RIC/Behbood thora zyada dete hain lekin rules alag hain.
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