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Special Savings Certificate (SSC) Profit Rates

Historical Rates Remained Applicable On Special Savings Certificates (Regd.)/ Accounts From 13th November, 1996 Onwards

Effective Period   Periodical Profits On Investment of Each Rs.100,000/- After Completion Of
From To   06- Months 01-Year 1 1/2 Year 2 Years 2 1/2 Years 03-Years
13-Nov-96
13-May-99
 Rate (% p.a.) 16.00% 16.00% 16.00% 16.00% 16.00% 18.00%
Profit (PKR) 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 9,000.00
14-May-99
31-Dec-99
 Rate (% p.a.) 14.00% 14.00% 14.00% 14.00% 14.00% 16.00%
Profit (PKR) 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 8,000.00
1-Jan-00
30-May-00
 Rate (% p.a.) 12.00% 12.00% 12.00% 12.00% 12.00% 14.00%
Profit (PKR) 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 7,000.00
31-May-00
30-Jun-00
 Rate (% p.a.) 12.00% 12.00% 12.00% 12.00% 12.00% 14.00%
Profit (PKR) 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 7,000.00
1-Jul-00
30-Jun-01
 Rate (% p.a.) 11.00% 11.00% 11.00% 11.00% 11.00% 12.00%
Profit (PKR) 5,500.00 5,500.00 5,500.00 5,500.00 5,500.00 6,000.00
1-Jul-01
31-Dec-01
 Rate (% p.a.) 12.20% 12.20% 12.20% 12.20% 12.20% 13.20%
Profit (PKR) 6,100.00 6,100.00 6,100.00 6,100.00 6,100.00 6,600.00
1-Jan-02
30-Jun-02
 Rate (% p.a.) 12.20% 12.20% 12.20% 12.20% 12.20% 13.20%
Profit (PKR) 6,100.00 6,100.00 6,100.00 6,100.00 6,100.00 6,600.00
1-Jul-02
31-Dec-02
 Rate (% p.a.) 10.30% 10.30% 10.30% 10.30% 10.30% 11.30%
Profit (PKR) 5,150.00 5,150.00 5,150.00 5,150.00 5,150.00 5,650.00
1-Jan-03
30-Jun-03
 Rate (% p.a.) 8.50% 8.50% 8.50% 8.50% 8.50% 9.50%
Profit (PKR) 4,250.00 4,250.00 4,250.00 4,250.00 4,250.00 4,750.00
1-Jul-03
31-Dec-03
 Rate (% p.a.) 7.50% 7.50% 7.50% 7.50% 7.50% 8.50%
Profit (PKR) 3,750.00 3,750.00 3,750.00 3,750.00 3,750.00 4,250.00
1-Jan-04
30-Jun-04
 Rate (% p.a.) 7.00% 7.00% 7.00% 7.00% 7.00% 8.00%
Profit (PKR) 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 4,000.00
1-Jul-04
31-Dec-04
 Rate (% p.a.) 6.80% 6.80% 6.80% 6.80% 6.80% 7.70%
Profit (PKR) 3,400.00 3,400.00 3,400.00 3,400.00 3,400.00 3,850.00
1-Jan-05
30-Jun-05
 Rate (% p.a.) 6.80% 6.80% 6.80% 6.80% 6.80% 7.70%
Profit (PKR) 3,400.00 3,400.00 3,400.00 3,400.00 3,400.00 3,850.00
1-Jul-05
4-Jun-06
 Rate (% p.a.) 8.40% 8.40% 8.40% 8.40% 8.40% 9.60%
Profit (PKR) 4,200.00 4,200.00 4,200.00 4,200.00 4,200.00 4,800.00
5-Jun-06
22-Jun-07
 Rate (% p.a.) 9.00% 9.00% 9.00% 9.00% 9.00% 10.00%
Profit (PKR) 4,500.00 4,500.00 4,500.00 4,500.00 4,500.00 5,000.00
23-Jun-07
23-Jun-08
 Rate (% p.a.) 9.00% 9.00% 9.00% 9.00% 9.00% 10.50%
Profit (PKR) 4,500.00 4,500.00 4,500.00 4,500.00 4,500.00 5,250.00
 
24-Jun-08
30-Sep-08
 Rate (% p.a.) 11.00% 11.00% 11.00% 11.00% 11.00% 12.50%
Profit (PKR) 5,500.00 5,500.00 5,500.00 5,500.00 5,500.00 6,250.00
1-Oct-08
31-Nov-08
 Rate (% p.a.) 12.80% 12.80% 12.80% 12.80% 12.80% 14%
Profit (PKR) 6400 6400 6400 6400 6400 7000
1-Dec-08
31-Mar-09
 Rate (% p.a.) 14.40% 14.40% 14.40% 14.40% 14.40% 15.20%
Profit (PKR) 7200 7200 7200 7200 7200 7600
1-Apr-09
30-Jun-09
 Rate (% p.a.) 13.00% 13.00% 13.00% 13.00% 13.00% 14.20%
Profit (PKR) 6500 6500 6500 6500 6500 7100
1-Jul-09
30-Sep-10
 Rate (% p.a.) 11.60% 11.60% 11.60% 11.60% 11.60% 12.00%
Profit (PKR) 5800 5800 5800 5800 5800 6000
1-Oct-10
31-Dec-10
 Rate (% p.a.) 12% 12% 12% 12% 12% 12.80%
Profit (PKR) 6000 6000 6000 6000 6000 6400
1-Jan-11
30-Sep-11
 Rate (% p.a.) 13.20% 13.20% 13.20% 13.20% 13.20% 14.00%
Profit (PKR) 6600 6600 6600 6600 6600 7000
1-Oct-11
31-Dec-11
 Rate (% p.a.) 12.40% 12.40% 12.40% 12.40% 12.40% 13.00%
Profit (PKR) 6200 6200 6200 6200 6200 6500
01-Jan-12
31-Mar-12
 Rate (% p.a.) 11.60% 11.60% 11.60% 11.60% 11.60% 12.00%

Profit (PKR)

 5800 5800 5800 5800 5800 6000
1-Apr-12
30-Jun-12
 Rate (% p.a.)
11.80%
11.80%
11.80%
11.80%
11.80%
12.20%
Profit (PKR)              
5,900
             
5,900
             
5,900
             
5,900
             
5,900
             
6,100
1-Jul-12
26-Aug-12
 Rate (% p.a.)
11.90%
11.90%
11.90%
11.90%
11.90%
12.60%
Profit (PKR)              
5,950
             
5,950
             
5,950
             
5,950
             
5,950
             
6,300
27-Aug-12
11-Oct-12
 Rate (% p.a.)
10.70%
10.70%
10.70%
10.70%
10.70%
11.30%
Profit (PKR)              
5,350
             
5,350
             
5,350
             
5,350
             
5,350
             
5,650
12-Oct-12
31-Dec-12
 Rate (% p.a.)
9.90%
9.90%
9.90%
9.90%
9.90%
10.50%
Profit (PKR)               
4,950
             
4,950
             
4,950
             
4,950
             
4,950
             
5,250
1-Jan-13
30-Jun-13
 Rate (% p.a.)
9.70%
9.70%
9.70%
9.70%
9.70%
10.30%
Profit (PKR)               
4,850
             
4,850
             
4,850
             
4,850
             
4,850
             
5,150
1-Jul-13
30-Sep-13
 Rate (% p.a.)
8.80%
8.80%
8.80%
8.80%
8.80%
9.50%
Profit (PKR)               
4,400
             
4,400
             
4,400
             
4,400
             
4,400
             
4,750
1-Oct-13
31-Dec-13
 Rate (% p.a.)
10.60%
10.60%
10.60%
10.60%
10.60%
11.50%
Profit (PKR)               
5,300
             
5,300
             
5,300
             
5,300
             
5,300
             
5,750
1-Jan-14
30-Sep-14
 Rate (% p.a.)
11.40%
11.40%
11.40%
11.40%
11.40%
12.00%
Profit (PKR)               
5,700
             
5,700
             
5,700
             
5,700
             
5,700
             
6,000
1-Oct-14
30-Nov-14
 Rate (% p.a.)
11.60%
11.60%
11.60%
11.60%
11.60%
13.40%
Profit (PKR)               
5,800
             
5,800
             
5,800
             
5,800
             
5,800
             
6,700
1-Dec-14
31-Jan-15
 Rate (% p.a.)
9.60%
9.60%
9.60%
9.60%
9.60%
11.20%
Profit (PKR)               
4,800
             
4,800
             
4,800
             
4,800
             
4,800
             
5,600
1-Feb-15
31-Mar-15
 Rate (% p.a.)
8.20%
8.20%
8.20%
8.20%
8.20%
9.70%
Profit (PKR)               
4,100
             
4,100
             
4,100
             
4,100
             
4,100
             
4,850
1-Apr-15
31-May-15
 Rate (% p.a.)
7.60%
7.60%
7.60%
7.60%
7.60%
8.80%
Profit (PKR) 
3,800
3,800
3,800
3,800
3,800
4,400
1-Jun-15
31-Jul-15
 Rate (% p.a.)
6.80%
6.80%
6.80%
6.80%
6.80%
8.00%
Profit (PKR) 
3,400
3,400
3,400
3,400
3,400
4,000
1-Aug-15
30-Sep-15
 Rate (% p.a.)
7.40%
7.40%
7.40%
7.40%
7.40%
8.80%
Profit (PKR) 
3,700
3,700
3,700
3,700
3,700
4,400
1-Oct-15
30-Nov-15
 Rate (% p.a.)
6.80%
6.80%
6.80%
6.80%
6.80%
8.00%
Profit (PKR) 
3,400
3,400
3,400
3,400
3,400
4,000
1-Dec-15
31-Jan-16
 Rate (% p.a.)
6.40%
6.40%
6.40%%
6.40%
6.40%
7.60%
Profit (PKR) 
3200
3200
3200
3200
3200
3800
1-Feb-16
31-Mar-16
 Rate (% p.a.)
6.00%
6.00%
6.00%%
6.00%
6.00%
6.80%
Profit (PKR) 
3000
3000
3000
3000
3000
3400
1-Apr-16
31-May-16
 Rate (% p.a.)
6.00%
6.00%
6.00%%
6.00%
6.00%
6.40%
Profit (PKR) 
3000
3000
3000
3000
3000
3200
1-Jun-16
31-Jul-16 
Rate (% p.a.)
6.00%
6.00%
6.00%
6.00%
6.00%
6.80%
Profit (PKR) 
3000
3000
3000
3000
3000
3400
1-Aug-16
Till Date
Rate (% p.a.)
5.80%
5.80%
5.80%
5.80%
5.80%
6.00%
Profit (PKR) 
2900
2900
2900
2900
2900
3000

Note:  The above payable amounts have been worked out on Rs.100,000/-.  You can easily calculate the profit on your investment by dividing the relevant amount of the table with 100,000 and then multiplying with the amount you have invested.

Zakat is deducted at the time of actual encashment @ 2.5% on the principal amount where applicable.

With Holding Tax: AS per directions of the Federal Government, the tax on profit from Investment made on or after , the 1st July, 2002, shall be deducted at source at the rate of ten percent (10%) of such profit if such deposit exceeds Hundred and fifty Thousand Rupees (150,000).

* Courtesy: National Savings Organization official website

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 1st November, 2018 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 1st July, 2019 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 1st November, 2019 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 24th April, 2020 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 2nd June, 2020 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 2nd July, 2020 till further notification: Click here

Note: The Federal Government is please to direct that the profit payable on the Special Savings Certificates (registered) issued with effect from 28th August, 2020 till further notification: Click here

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