If you invest Rs 20 lakh in National Savings today, the highest monthly profit is Rs 21,600 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 20,200 a month before tax (12.12%), which is Rs 17,170 for a filer and Rs 14,140 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 20 Lakh Profit per Month: All Schemes Compared
| Scheme | Yearly rate | Profit on Rs 20 lakh | Paid | Filer gets | Non-filer gets |
|---|---|---|---|---|---|
| Behbood Savings Certificate | 12.96% | Rs 21,600 / month | Monthly | Rs 21,600 | Rs 21,600 |
| Pensioners’ Benefit Account | 12.96% | Rs 21,600 / month | Monthly | Rs 21,600 | Rs 21,600 |
| Regular Income Certificate | 12.12% | Rs 20,200 / month | Monthly | Rs 17,170 | Rs 14,140 |
| Sarwa Islamic Savings Account | 11.84% | About Rs 19,733 / month | — | Rs 16,773 | Rs 13,813 |
| Savings Account | 10.00% | About Rs 16,667 / month | — | Rs 14,167 | Rs 11,667 |
| Special Savings Certificate | 12.00% | Rs 120,000 / 6 months | Every 6 months | Rs 102,000 | Rs 84,000 |
| Short Term Certificate (12 months) | 11.72% | Rs 234,400 at maturity | At maturity | Rs 199,240 | Rs 164,080 |
Filer tax 15%, non-filer 30% on most National Savings profit. Behbood Savings Certificates and the Pensioners’ Benefit Account have no tax deducted at source. Behbood is only for widows, senior citizens (60+) and persons with disabilities; the Pensioners’ Benefit Account is for pensioners.
Yearly and Full-Term Profit on Rs 20 lakh
| Scheme | Term | Profit per year | Total profit over term* |
|---|---|---|---|
| Behbood / Pensioners’ Benefit | 10 years | Rs 259,200 | Rs 2,592,000 |
| Regular Income Certificate (filer) | 5 years | Rs 206,040 | Rs 1,030,200 |
| Special Savings Certificate (filer) | 3 years | Rs 204,000 | Rs 618,800 |
*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 20 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 200,000 | Rs 2,200,000 | Rs 170,000 |
| 3 years | Rs 680,000 | Rs 2,680,000 | Rs 578,000 |
| 5 years | Rs 1,340,000 | Rs 3,340,000 | Rs 1,139,000 |
| 10 years | Rs 4,300,000 | Rs 6,300,000 | Rs 3,655,000 |
National Savings vs Bank on Rs 20 lakh
At the State Bank’s minimum savings rate of 10.50%, Rs 20 lakh in an ordinary bank savings account earns about Rs 17,500 a month before tax, and a filer keeps Rs 14,000 after 20% tax. The Regular Income Certificate gives a filer Rs 17,170, so National Savings pays Rs 3,170 more every month. Compare individual banks on our 20 lakh profit in bank page.
Which Scheme Is Best for Rs 20 lakh?
- Widow, senior citizen (60+) or person with disability: Behbood, Rs 21,600 a month with no tax deducted.
- Retired pensioner: Pensioners’ Benefit Account, same Rs 21,600 a month.
- Anyone else who needs monthly income: Regular Income Certificate, Rs 17,170 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 3,030 a month on a Regular Income Certificate of Rs 20 lakh. See filer vs non-filer.
FAQs
National Savings mein 20 lakh par mahana kitna profit milta hai?
Behbood ya Pensioners’ Benefit mein Rs 21,600 mahana (koi tax nahi katta). Regular Income Certificate mein tax se pehle Rs 20,200, filer ko Rs 17,170 aur non-filer ko Rs 14,140.
20 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 3,170 zyada deta hai, aur yeh government-backed hai.
Kya 20 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 1 lakh profit · National Savings 5 lakh profit · National Savings 10 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.