If you invest Rs 1 lakh in National Savings today, the highest monthly profit is Rs 1,080 a month from the Behbood Savings Certificate or Pensioners’ Benefit Account (12.96%), with no tax deducted at source. If you are not eligible for Behbood, the Regular Income Certificate pays Rs 1,010 a month before tax (12.12%), which is Rs 859 for a filer and Rs 707 for a non-filer.
Last updated: 11 November 2026 by Ahmed. National Savings rates effective 21 October 2026. See every scheme and the full rate history on our National Savings profit rates page.
National Savings 1 Lakh Profit per Month: All Schemes Compared
| Scheme | Yearly rate | Profit on Rs 1 lakh | Paid | Filer gets | Non-filer gets |
|---|---|---|---|---|---|
| Behbood Savings Certificate | 12.96% | Rs 1,080 / month | Monthly | Rs 1,080 (no tax) | Rs 1,080 (no tax) |
| Pensioners’ Benefit Account | 12.96% | Rs 1,080 / month | Monthly | Rs 1,080 (no tax) | Rs 1,080 (no tax) |
| Regular Income Certificate | 12.12% | Rs 1,010 / month | Monthly | Rs 859 | Rs 707 |
| Sarwa Islamic Savings Account | 11.84% | About Rs 987 / month | — | Rs 839 | Rs 691 |
| Savings Account | 10.00% | About Rs 833 / month | — | Rs 708 | Rs 583 |
| Special Savings Certificate | 12.00% | Rs 6,000 / 6 months | Every 6 months | Rs 5,100 | Rs 4,200 |
| Short Term Certificate (12 months) | 11.72% | Rs 11,720 at maturity | At maturity | Rs 9,962 | Rs 8,204 |
Note: Why filer and non-filer get the same amount for Behbood and Pensioners’ Benefit: National Savings does not deduct withholding tax on profit from Behbood Savings Certificates or the Pensioners’ Benefit Account, so filers and non-filers both get the full Rs 1,080 a month. This is not a mistake. On the other schemes, 15% tax is deducted for filers and 30% for non-filers. Behbood is only for widows, senior citizens (60+) and persons with disabilities; the Pensioners’ Benefit Account is for pensioners.
(Roman Urdu: Behbood aur Pensioners’ Benefit ke munafa par tax nahi kat’ta, is liye filer aur non-filer dono ko poore Rs 1,080 milte hain. Baqi schemes par filer ka 15% aur non-filer ka 30% tax kat’ta hai.)
Yearly and Full-Term Profit on Rs 1 lakh
| Scheme | Term | Profit per year | Total profit over term* |
|---|---|---|---|
| Behbood / Pensioners’ Benefit | 10 years | Rs 12,960 | Rs 129,600 |
| Regular Income Certificate (filer) | 5 years | Rs 10,302 | Rs 51,510 |
| Special Savings Certificate (filer) | 3 years | Rs 10,200 | Rs 30,940 |
*If today’s rates stayed the same for the whole term. In practice CDNS revises rates several times a year, so your actual profit will differ.
Defence Savings Certificate: What Rs 1 lakh Becomes
Defence Savings Certificates pay nothing monthly. Your money grows and you receive it all at encashment, so they suit long-term goals like a child’s education or marriage.
| Held for | Total profit | Value before tax | Filer keeps (profit after 15%) |
|---|---|---|---|
| 1 year | Rs 10,000 | Rs 110,000 | Rs 8,500 |
| 3 years | Rs 34,000 | Rs 134,000 | Rs 28,900 |
| 5 years | Rs 67,000 | Rs 167,000 | Rs 56,950 |
| 10 years | Rs 215,000 | Rs 315,000 | Rs 182,750 |
National Savings vs Bank on Rs 1 lakh
At the State Bank’s minimum savings rate of 10.50%, Rs 1 lakh in an ordinary bank savings account earns about Rs 875 a month before tax, and a filer keeps Rs 700 after 20% tax. The Regular Income Certificate gives a filer Rs 859, so National Savings pays Rs 159 more every month. Compare individual banks on our bank profit rates page.
Which Scheme Is Best for Rs 1 lakh?
- Widow, senior citizen (60+) or person with disability: Behbood, Rs 1,080 a month with no tax deducted.
- Retired pensioner: Pensioners’ Benefit Account, same Rs 1,080 a month.
- Anyone else who needs monthly income: Regular Income Certificate, Rs 859 a month for a filer.
- Don’t need monthly cash: Special Savings (profit every 6 months) or Defence Savings (grows the most if held 10 years).
- Want Shariah-compliant: Sarwa Islamic accounts.
- Not a filer yet: becoming a filer adds Rs 152 a month on a Regular Income Certificate of Rs 1 lakh. See filer vs non-filer.
FAQs
National Savings mein 1 lakh par mahana kitna profit milta hai?
Behbood ya Pensioners’ Benefit mein Rs 1,080 mahana (koi tax nahi katta). Regular Income Certificate mein tax se pehle Rs 1,010, filer ko Rs 859 aur non-filer ko Rs 707.
1 lakh bank mein rakhun ya National Savings mein?
Is waqt National Savings zyada de raha hai. Filer ke liye Regular Income bank savings se har mahine takreeban Rs 159 zyada deta hai, aur yeh government-backed hai.
Kya 1 lakh ka profit har mahine same rahega?
Nahi. CDNS saal mein kai dafa rates badalta hai, is liye monthly profit upar neeche ho sakta hai. Latest rates ke liye hamara National Savings profit rates page dekhein.
Other Amounts
National Savings 5 lakh profit · National Savings 10 lakh profit · National Savings 20 lakh profit · National Savings 50 lakh profit · Bank Profit Calculator
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This page is for information only and is not investment advice. Rates are from Central Directorate of National Savings schedules effective 21 October 2026. Confirm current rates at your nearest National Savings centre before investing.