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SPECIAL SAVINGS CERTIFICATES (Regd.

):
This Scheme being of three years maturity was introduced in February, 1990 keeping in
view the periodic needs of depositors. These certificates are available in the denomination of Rs.500,
1000, 5000, 10000, 50000, 100000, 500000 and Rs.1,000,000/-. Profit is paid on the completion of each
period of Six months. In case, the profit earned on these certificates is not drawn on due date, the
undrawn profit will automatically stand reinvested from date of its accrual.
Profit payable on Special Saving Certificates (Regd.)

Finance Division, Govt. of Pakistan, according to the Notification No.F.20(1)GS-I/2011-2045 dated


24.08.2012 has reviewed the rate of return on Special Savings Certificate (Regd.). The return on Special
Saving Certificates (Regd.) has been fixed as given in table below, for the certificates issued with effect
from 27.08.2012 till further Notification. However, the Special Savings Certificates (Regd.) purchased
prior to the said Notification shall earned profit at the rate prevailing on the date of purchase.
SSCs Purchased w.e.f. 27-08-2012 till further Notification (Issue -24)
(In Rupees)
Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

26.75 53.50

267.50

535.00

2,675.00

5,350.00

26,750.00

53,500.00

26.75 53.50

267.50

535.00

2,675.00

5,350.00

26,750.00

53,500.00

26.75 53.50

267.50

535.00

2,675.00

5,350.00

26,750.00

53,500.00

26.75 53.50

267.50

535.00

2,675.00

5,350.00

26,750.00

53,500.00

26.75 53.50

267.50

535.00

2,675.00

5,350.00

26,750.00

53,500.00

28.25 56.50

282.50

565.00

2,825.00

5,650.00

28,250.00

56,500.00

Compound Rate of Interest on SSCs (Issue-23)

Profit already
drawn for the
period from

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

5.350

10.986

16.919

23.174

29.759

36.998

Ist 6 months

5.350

10.986

16.919

23.174

30.059

2nd 6 months

5.350

10.986

16.919

23.474

3rd 6 months

5.350

10.986

17.219

4th 6 months

5.350

11.286

5th 6 months

5,650

Nil

Page 1 of 16

PREVIOUS YEAR's RATES

SSCs Purchased w.e.f. 01-07-2012 to 26.08.2012 (Issue -23)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

29.75 59.50

297.50

595.00

2,975.00

5,950.00

29,750.00

59,500.00

29.75 59.50

297.50

595.00

2,975.00

5,950.00

29,750.00

59,500.00

29.75 59.50

297.50

595.00

2,975.00

5,950.00

29,750.00

59,500.00

29.75 59.50

297.50

595.00

2,975.00

5,950.00

29,750.00

59,500.00

29.75 59.50

297.50

595.00

2,975.00

5,950.00

29,750.00

59,500.00

31.50 63.00

315.00

630.00

3,150.00

6,300.00

31,500.00

63,000.00

Compound Rate of Interest on SSCs (Issue-22)

Profit already
drawn for the
period from

Nil
Ist 6 months
2nd 6 months
3rd 6 months

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

5.950

1 Year

1
Years

2 Years

2 Years

3 Years

12.254

18.930

26.004

33.501

41.795

5.950

12.254

18.930

26.004

33.851

5.950

12.254

18.930

26.354

5.950

12.254

19.280

5.950

12.604

4th 6 months
5th 6 months

6.300

(Notification No.20 (1)GS-1/2011-903 dated 29.06.2012)

Page 2 of 16

SSCs Purchased w.e.f. 01-04-2012 to 30.06.2012 (Issue -22)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

29.50 59.00

295.00

590.00

2,950.00

5,900.00

29,500.00

59,000.00

29.50 59.00

295.00

590.00

2,950.00

5,900.00

29,500.00

59,000.00

29.50 59.00

295.00

590.00

2,950.00

5,900.00

29,500.00

59,000.00

29.50 59.00

295.00

590.00

2,950.00

5,900.00

29,500.00

59,000.00

29.50 59.00

295.00

590.00

2,950.00

5,900.00

29,500.00

59,000.00

30.50 61.00

305.00

610.00

3,050.00

6,100.00

30,500.00

61,000.00

Compound Rate of Interest on SSCs (Issue-21)

Profit already
drawn for the
period from

Nil
Ist 6 months
2nd 6 months
3rd 6 months

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

5.900

1 Year

1
Years

2 Years

2 Years

3 Years

12.148

18.762

25.765

33.182

41.235

5.900

12.148

18.762

25.765

33.382

5.900

12.148

18.762

25.965

5.900

12.148

18.962

5.900

12.348

4th 6 months
5th 6 months

6.100

(Notification No.F.20(1)GS-1/2011-471 dated 30.03.2012)

Page 3 of 16

SSCs Purchased w.e.f. 01-01-2012 to 31.03.2012 (Issue -21)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

29.00 58.00

290.00

580.00

2,900.00

5,800.00

29,000.00

58.000.00

29.00 58.00

290.00

580.00

2,900.00

5,800.00

29,000.00

58.000.00

29.00 58.00

290.00

580.00

2,900.00

5,800.00

29,000.00

58.000.00

29.00 58.00

290.00

580.00

2,900.00

5,800.00

29,000.00

58.000.00

29.00 58.00

290.00

580.00

2,900.00

5,800.00

29,000.00

58.000.00

30.00 60.00

300.00

600.00

3,000.00

6,000.00

30,000.00

60,000.00

Compound Rate of Interest on SSCs (Issue-20)

Profit already
drawn for the
period from

Nil
Ist 6 months
2nd 6 months
3rd 6 months

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

5.800

1 Year

1
Years

2 Years

2 Years

3 Years

11.936

18.427

25.294

32.555

40.440

5.800

11.936

18.427

25.294

32.755

5.800

11.936

18.427

25.494

5.800

11.936

18.627

5.800

12.136

4th 6 months
5th 6 months

6.000

(Notification No.20(1)GS-1/2011-2018 dated 30.12.2011)

Page 4 of 16

SSCs Purchased w.e.f. 01-10-2011 to 31.12.2011 (Issue -20)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

31.00

62.00

310.00

620.00

3,100.00

6,200.00

31,000.00

62,000.00

31.00

62.00

310.00

620.00

3,100.00

6,200.00

31,000.00

62,000.00

31.00

62.00

310.00

620.00

3,100.00

6,200.00

31,000.00

62,000.00

31.00

62.00

310.00

620.00

3,100.00

6,200.00

31,000.00

62,000.00

31.00

62.00

310.00

620.00

3,100.00

6,200.00

31,000.00

62,000.00

32.50

65.00

325.00

650.00

3,250.00

6,500.00

32,500.00

65,000.00

Compound Rate of Interest on SSCs (Issue-19)

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

6.200

12.784

19.772

27.193

35.073

43.743

Ist 6 months

6.200

12.784

19.772

27.193

35.373

2nd 6 months

6.200

12.784

19.772

27.493

3rd 6 months

6.200

12.784

20.072

4th 6 months

6.200

13.084

5th 6 months

6.500

(Notification No.20(1)/2011-1632 dated 30.09.2011)

Page 5 of 16

SSCs Purchased w.e.f. 01-01.2011 to 30.09.2011-(Issue -19)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

33

66

330

660

3,300

6,600

33,000

66,000

33

66

330

660

3,300

6,600

33,000

66,000

33

66

330

660

3,300

6,600

33,000

66,000

33

66

330

660

3,300

6,600

33,000

66,000

33

66

330

660

3,300

6,600

33,000

66,000

35

70

350

700

3,500

7,000

35,000

70,000

Compound Rate of Interest on SSCs - Issue-18

Profit already
drawn for the
period from

Nil
Ist 6 months
2nd 6 months
3rd 6 months
4th 6 months
5th 6 months

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

6.600

13.636

21.133

29.126

37.646

47.128

6.600

13.363

21.133

29.126

38.046

6.600

13.636

21.133

29.526

6.600

13.636

21.533

6.600

14.036

7.000

Page 6 of 16

SSCs Purchased w.e.f. 01-10-2010 31.12.2010 (Issue -18)


@ 12.00% p.a. for 1st five profits and @ 12.80% p.a. for the last profit.
Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Profit already
drawn for the
period from

Nil

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

30

60

300

600

3,000

6,000

30,000

60,000

30

60

300

600

3,000

6,000

30,000

60,000

30

60

300

600

3,000

6,000

30,000

60,000

30

60

300

600

3,000

6,000

30,000

60,000

30

60

300

600

3,000

6,000

30,000

60,000

32

64

320

640

3,200

6,400

32,000

64,000

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

6.000

12.360

19.098

26.238

33.810

42.238

Ist 6 months

6.000

12.360

26.238

34.210

2nd 6 months

6.000

19.098

26.638

3rd 6 months

19.098
12.360
121.936
6.000

4th 6 months

6.000

12.760

5th 6 months

6.400
7.600

12.360

19.498

Page 7 of 16

SSCs Purchased w.e.f. 01-07-2009 30.09.2010 (Issue -17)

Period

Rs.500

Rs.1000

29

58

290

580

2,900

5,800

29,000

58,000

29

58

290

580

2,900

5,800

29,000

58,000

29

58

290

580

2,900

5,800

29,000

58,000

29

58

290

580

2,900

5,800

29,000

58,000

29

58

290

580

2,900

5,800

29,000

58,000

30

60

300

600

3,000

6,000

30,000

60,000

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Profit already
drawn for the
period from

Nil

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

5.800

11.936

18.427

25.294

32.555

40.440

Ist 6 months

5.800

11.936

18.427

25.294

32.755

2nd 6 months

5.800

11.936

18.427

25.494

3rd 6 months

5.800

11.936

18.627

4th 6 months

5.800

12.136

5th 6 months

6.000
7.600

Page 8 of 16

SSCs Purchased w.e.f. 01-04-2009 30.06.2009 (Issue -16)

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

32.50

65.0

325

650

3,250

6,500

32,500

65,000

32.50

65.0

325

650

3,250

6,500

32,500

65,000

32.50

65.0

325

650

3,250

6,500

32,500

65,000

32.50

65.0

325

650

3,250

6,500

32,500

65,000

32.50

65.0

325

650

3,250

6,500

32,500

65,000

35.50

71.0

355

710

3,550

7,100

35,500

71,000

Compound Rate of Interest on SSCs - Issue-16

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

6.500

13.423

20.794

28.639

36.998

46.497

Ist 6 months

6.500

13.423

20.794

28.639

37.598

2nd 6 months

6.500

13.423

20.794

29.239

3rd 6 months

6.500

13.423

21.394

4th 6 months

6.500

14.023

5th 6 months

7.100
7.600

Page 9 of 16

SSCs Purchased w.e.f. 01-12-2008 31.03.2009 (Issue -15)


@ 14.40% p.a. for 1st five profits and @ 15.20% p.a. for the last profit.
Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

36

72

360

720

3,600

7,200

36,000

72,000

36

72

360

720

3,600

7,200

36,000

72,000

36

72

360

720

3,600

7,200

36,000

72,000

36

72

360

720

3,600

7,200

36,000

72,000

36

72

360

720

3,600

7,200

36,000

72,000

38

76

380

760

3,800

7,600

38,000

76,000

Compound Rate of Interest on SSCs - Issue-15

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

7.200

14.918

23.191

32.054

41.558

52.146

Ist 6 months

7.200

14.918

23.191

32.054

41.958

2nd 6 months

7.200

14.918

23.191

32.454

3rd 6 months

7.200

14.918

23.591

4th 6 months

7.200

15.318

5th 6 months

7.600

Page 10 of 16

SSCs Purchased w.e.f. 01-10-2008 30.11.2008 (Issue -14)

@ 12.8% p.a. for 1st five profits and @ 14% p.a. for the last profit.

Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

32.00

64.00

320.00

640.00

3,200.00

6,400.00

32,000.00

64,000.00

32.00

64.00

320.00

640.00

3,200.00

6,400.00

32,000.00

64,000.00

32.00

64.00

320.00

640.00

3,200.00

6,400.00

32,000.00

64,000.00

32.00

64.00

320.00

640.00

3,200.00

6,400.00

32,000.00

64,000.00

32.00

64.00

320.00

640.00

3,200.00

6,400.00

32,000.00

64,000.00

35.00

70.00

350.00

700.00

3,500.00

7,000.00

35,000.00

70,000.00

Compound Rate of Interest on SSCs - Issue-14

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months

1
Years

1 Year

2 Years

2 Years

3 Years

6.400

13.210

20.454

28.160

36.358

45.682

Ist 6 months

6.400

13.210

20.454

28.160

*36.958

2nd 6 months

6.400

13.210

20.454

28.760

3rd 6 months

6.400

13.210

21.054

4th 6 months

6.400

13.810

5th 6 months

7.000

*The figure appearing in row 2 of column 7 in the above table has been revised as 36.958
instead of 45.157 vide Finance Divisions Notification No.F.20(4)GS-1/2008-25 dated 02.01.2009.

Page 11 of 16

SSCs Purchased w.e.f. 24-06-2008 to 30.09.2008 (Issue-12)


@ 11.00% p.a. for 1st five profits and @ 12.50% p.a. for the last profit.
Period
Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.500

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

27.50

55.00

275.00

550.00

27.50

55.00

275.00

27.50

55.00

27.50

Rs.1,000,000

2,750.00

5,500.00

27,500.00

55,000.00

550.00

2,750.00

5,500.00

27,500.00

55,000.00

275.00

550.00

2,750.00

5,500.00

27,500.00

55,000.00

55.00

275.00

550.00

2,750.00

5,500.00

27,500.00

55,000.00

27.50

55.00

275.00

550.00

2,750.00

5,500.00

27,500.00

55,000.00

31.25

62.50

312.50

625.00

3,125.00

6,250.00

31,250.00

62,500.00

Compound Rate of Interest on SSCs - Issue-12(Current)

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months
5.500

1 Year
11.303
5.500

1
Years
17.424
11.303

2 Years

3 Years

23.881

30.690

38.623

17.424

23.881

31.440

17.424

24.631

Ist 6 months

2nd 6 months

3rd 6 months

4th 6 months

5th 6 months

5.500

2 Years

11.303
5.500

11.303
5.500
-

18.174
12.053
6.250

Page 12 of 16

SSCs Purchased w.e.f 23-06-2007 to 23-06-2008 - Issue-11


(Notification No.F.20(2)GS-I/2007-1302 dated 23.06.2007)
@ 9.00% p.a. for 1st five profits and @ 10.50% p.a. for the last profit.
Period
Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.500

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

26.25

52.50

262.50

525.00

2,625.00

5,250.00

26,250.00

52,500.00

Compound Rate of Interest on SSCs - Issue-11

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months
4.500

1 Year

1
Years

2 Years

2 Years

3 Years

9.203

14.117

19.251

24.615

30.972

4.500

9.203

14.117

19.251

25.365

4.500

9.203

14.117

20.001

4.500

9.203

14.867

4.500

9.953

Ist 6 months

2nd 6 months

3rd 6 months

4th 6 months

5th 6 months

5.250

Page 13 of 16

SSCs Purchased from 05-06-2006 to 22.06.2007 (Issue-10)


@ 9.17% p.a.
Period
Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.500

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

22.50

45.00

225.00

450.00

2,250.00

4,500.00

22,500.00

45,000.00

25.00

50.00

250.00

500.00

2,500.00

5,000.00

25,000.00

50,000.00

Compound Rate of Interest on SSCs (Issue-10)

Profit already
drawn for the
period from

Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months
4.500

1 Year

1
Years

2 Years

2 Years

3 Years

9.203

14.117

19.251

24.615

30.722

4.500

9.203

14.117

19.251

25.115

4.500

9.203

14.117

19.751

4.500

9.203

14.617

4.500

9.703

Ist 6 months

2nd 6 months

3rd 6 months

4th 6 months

5th 6 months

5.000

Page 14 of 16

SSCs Purchased from 01-07-2005 to 04.06.2006(Issue-IX)


Notification: No.F.10(4)DM-II/2003-1695 dated 08.08.2005
@ 8.60% p.a.
Period
Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.500

Rs.1000

Rs.5000

21.00

42.00

210.00

21.00

42.00

210.00

21.00

42.00

21.00

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

2,100.00

4,200.00

21,000.00

42,000.00

420.00

2,100.00

4,200.00

21,000.00

42,000.00

210.00

420.00

2,100.00

4,200.00

21,000.00

42,000.00

42.00

210.00

420.00

2,100.00

4,200.00

21,000.00

42,000.00

21.00

42.00

210.00

420.00

2,100.00

4,200.00

21,000.00

42,000.00

24.00

48.00

240.00

480.00

2,400.00

4,800.00

24,000.00

48,000.00

420.00

Compound Rate of Interest (Issue-IX)

Profit already
drawn for the
period from
Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6
Months
4.200

1 Year

1 Years

2 Years

2 Years

3 Years

8.576

13.133

17.884

22.831

28.589

4.200

8.576

13.133

17.884

23.431

4.200

8.576

13.133

18.481

4.200

8.576

13.733

4.200

9.176

Ist 6 months

2nd 6 months

3rd 6 months

4th 6 months

5th 6 months

4.800

Page 15 of 16

SSCs Purchased from 01-07-2004 to 30.06.2005(Issue-VII & VIII)


Notifications: i) F.12(1)DM-II/2003-1404 dated 30.06.2004
ii) F.21(1)GS-I/2005-22 dated 01.01.2005
@ 6.95% p.a.
Period

Rs.500

Ist 6
months
2nd 6
months
3rd 6
months
4th 6
months
5th 6
months
6th 6
months

Rs.1000

Rs.5000

Rs.10,000

Rs.50,000

Rs.100,000

Rs.500,000

Rs.1,000,000

17.00

34.00

170.00

340.00

1,700.00

3,400.00

17,000.00

34,000.00

17.00

34.00

170.00

340.00

1,700.00

3,400.00

17,000.00

34,000.00

17.00

34.00

170.00

340.00

1,700.00

3,400.00

17,000.00

34,000.00

17.00

34.00

170.00

340.00

1,700.00

3,400.00

17,000.00

34,000.00

17.00

34.00

170.00

340.00

1,700.00

3,400.00

17,000.00

34,000.00

19.25

38.50

192.50

385.00

1,925.00

3,850.00

19,250.00

38,500.00

Compound Rate of Interest (Issue-VII & VIII)


Profit
already
drawn for the
period from
Nil

Profit(in Rs.) payable on each Rs.100/- on completion of


6 Months
3.400

1 Year

1 Years

2 Years

2 Years

3 Years

6.916

10.550

14.307

18.193

22.659

3.400

6.916

10.550

14.307

18.643

3.400

6.916

10.550

14.757

3.400

6.916

11.000

3.400

7.366

Ist 6 months

2nd 6 months

3rd 6 months

4th 6 months

5th 6 months

3.850

Note :(i) Zakat is deducted at the time of actual encashment @ 2.5% on the
principal amount (Face Value) where applicable.

(ii) With Holding Tax: As per directions of the Federal Government, the tax on profit from
Investment made on or after, the Ist 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).
(iii) In regard to the procedure for purchase, encashment and transfer, nomination and all
other matters pertaining to the Registered Certificates, the Defence Saving Certificates Rules,
1966(S.R.O. 1076(K)/66) shall apply equally.

Page 16 of 16

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