# Monthly profit on Rs 1 lakh, 10 lakh and 1 crore: banks vs National Savings

URL: https://which.pk/money/guides/bank-profit-per-month/
Author: Ahtisham
Updated: 18 Oct 2026

## Summary

On Rs 10 lakh, a conventional bank savings account paying 10.00% gives about Rs 8,333 a month before tax: Rs 6,667 for a filer and Rs 5,000 for a non-filer. Regular Income Certificates pay Rs 9,800 (Rs 8,330 for a filer), and Behbood pays Rs 10,600 with no withholding tax, as of 1 October 2026. Meezan's Saving Account paid 6.63% for September 2026, about Rs 4,420 a month for a filer. Rs 1 crore at 10% gives a filer about Rs 66,667 a month.

## Key facts

- Rs 10 lakh at 10% (filer): Rs 6,667 a month
- Rs 10 lakh in RIC (filer): Rs 8,330 a month
- Rs 10 lakh in Behbood: Rs 10,600, no tax deducted
- Rs 1 crore at 10% (filer): Rs 66,667 a month

The monthly profit on 10 lakh in a conventional bank savings account paying 10.00% is about **Rs 8,333 before tax**. After withholding tax, a filer keeps **Rs 6,667** and a non-filer **Rs 5,000**. National Savings pays more: Regular Income Certificates give **Rs 9,800 a month** (Rs 8,330 for a filer) and Behbood certificates **Rs 10,600** with no tax deducted, at rates in force from 1 October 2026.

**Monthly profit on Rs 10 lakh, filer, October 2026:** Rs 6,667 to Rs 10,600 (Bank savings at 10.00% at the low end, Behbood Savings Certificates (60 and over, widows, people with disabilities) at the high end)

## How do you work out monthly profit on a bank account?

Take the amount, multiply by the yearly rate and divide by 12. Then take off the tax.

- **Rs 10 lakh × 10.00% ÷ 12 = Rs 8,333** a month before tax.
- **Filer:** banks deduct **20%** under section 151, so Rs 8,333 − Rs 1,667 = **Rs 6,667**.
- **Non-filer:** the rate is **40%**, so Rs 8,333 − Rs 3,333 = **Rs 5,000**.

These are FBR's rates for tax year 2027 (Finance Act 2026). A filer is a person on the Active Taxpayers' List (ATL). Banks work on your monthly average balance, so the real credit can differ by a few rupees from these round figures.

## How much profit on 1 lakh, 5 lakh, 10 lakh, 25 lakh and 1 crore per month?

Rates as of October 2026. Bank tax is 20% (filer) or 40% (non-filer); National Savings tax is 15% or 30%; Behbood has no withholding tax.

| Amount | Bank savings at 10.00%: before tax / filer / non-filer | Meezan Saving at 6.63%: before tax / filer / non-filer | Regular Income Certificates: before tax / filer / non-filer | Behbood (no tax deducted) |
|---|---|---|---|---|
| Rs 1 lakh | Rs 833 / Rs 667 / Rs 500 | Rs 553 / Rs 442 / Rs 332 | Rs 980 / Rs 833 / Rs 686 | Rs 1,060 |
| Rs 5 lakh | Rs 4,167 / Rs 3,333 / Rs 2,500 | Rs 2,763 / Rs 2,210 / Rs 1,658 | Rs 4,900 / Rs 4,165 / Rs 3,430 | Rs 5,300 |
| Rs 10 lakh | Rs 8,333 / Rs 6,667 / Rs 5,000 | Rs 5,525 / Rs 4,420 / Rs 3,315 | Rs 9,800 / Rs 8,330 / Rs 6,860 | Rs 10,600 |
| Rs 25 lakh | Rs 20,833 / Rs 16,667 / Rs 12,500 | Rs 13,813 / Rs 11,050 / Rs 8,288 | Rs 24,500 / Rs 20,825 / Rs 17,150 | Rs 26,500 |
| Rs 1 crore | Rs 83,333 / Rs 66,667 / Rs 50,000 | Rs 55,250 / Rs 44,200 / Rs 33,150 | Rs 98,000 / Rs 83,300 / Rs 68,600 | Rs 1,06,000 (joint only) |

Where the rates come from:

- **Bank savings at 10.00%** with monthly profit: HBL Mahana Amdan (1 Oct to 31 Dec 2026), UBL Mahana Aamdani Savings (1 Oct 2026) and Bank Alfalah Royal Profit (1 Aug 2026). Allied Bank's PLS Savings also pays 10.00% from 1 October 2026.
- **Meezan Bank** Saving Account, up to Rs 1 crore: 6.63% for September 2026, declared after the month ended.
- **Regular Income Certificates (RIC):** Rs 980 a month on each Rs 1 lakh from 1 October 2026, which is 11.76% a year.
- **Behbood Savings Certificates:** Rs 1,060 a month per Rs 1 lakh from 1 October 2026, which is 12.72% a year.

For which bank pays the most on a savings account, see [savings account profit rates](/money/guides/savings-account-profit-rates/).

## What is Meezan Bank's monthly profit on 10 lakh?

About **Rs 5,525 before tax**, or **Rs 4,420 for a filer**, at the 6.63% Meezan paid for September 2026 on its Saving Account up to Rs 1 crore. It paid 6.74% for August, which was about Rs 5,617 a month on Rs 10 lakh before tax.

Meezan declares its rate after each month ends, so the figure moves. Meezan's Senior Citizen and Women First accounts paid the same 6.63% for September. See [Meezan Bank accounts](/money/guides/meezan-bank-accounts/) and [Islamic vs conventional banking](/money/guides/islamic-vs-conventional-banking/).

## How much monthly income do National Savings schemes pay?

National Savings schemes pay more than a 10% bank account, and the tax is lower: **15% for filers and 30% for non-filers**, against 20% and 40% on bank profit.

- **Regular Income Certificates:** profit every month, for 5 years. Minimum Rs 50,000, no maximum, and anyone Pakistani can buy. Cashing in early costs 2% of the amount in the first year, falling to 0.5% in year 4 and nothing after that. No zakat.
- **Behbood Savings Certificates:** profit every month, for 10 years, with **no withholding tax** and no zakat. Only for people aged 60 or over, widows, people with disabilities (CNIC with the disability logo) and special minors through a guardian. The product page sets the maximum at Rs 75 lakh single and Rs 1.5 crore joint; CDNS's FAQ says Rs 50 lakh and Rs 1 crore, so confirm at the centre.
- **Special Savings Certificates:** Rs 5,800 per lakh **every six months**, not monthly. On Rs 10 lakh that is Rs 58,000 per half-year, about Rs 9,667 a month. A filer keeps Rs 49,300 per half-year, about Rs 8,217 a month.

**Rs 1 crore in Behbood needs a joint holding:** At Rs 1,060 per lakh, Rs 1 crore would pay Rs 1,06,000 a month. But that is above the Rs 75 lakh single limit on the Behbood product page, so it works only as a joint holding of two eligible people.

More detail: [National Savings certificates](/money/guides/national-savings-certificates/) and [Behbood Savings Certificates](/money/guides/behbood-savings-certificates/).

## How much profit on 1 crore in a bank?

At 10.00%, Rs 1 crore earns about **Rs 83,333 a month before tax**: **Rs 66,667** for a filer and **Rs 50,000** for a non-filer.

Rs 1 crore is the top of the State Bank's 10% minimum. Since 1 August 2026, the minimum covers only individuals with a monthly average balance of up to Rs 1 crore. Above that, HBL, Allied Bank and Bank Alfalah pay **9.50%** and UBL **8.00%**, as of their latest sheets. Meezan paid **6.00%** for September 2026 on Saving Account balances above Rs 1 crore.

## Can I get more than 10% a month from a bank?

A little, on some accounts and term deposits that pay monthly. On Rs 10 lakh:

| Option | Rate | Before tax | Filer keeps | Non-filer keeps |
|---|---|---|---|---|
| NBP Itmenan 1-year term deposit (age 60 and over) | 11.70% | Rs 9,750 | Rs 7,800 | Rs 5,850 |
| Bank Alfalah Pehchaan (women) or Care Senior Citizen | 10.30% | Rs 8,583 | Rs 6,867 | Rs 5,150 |
| HBL Advantage 1-year term deposit, monthly profit | 10.20% | Rs 8,500 | Rs 6,800 | Rs 5,100 |
| NBP Izafi Munafa savings (Rs 10 lakh to Rs 5 crore) | 10.05% | Rs 8,375 | Rs 6,700 | Rs 5,025 |

Rates from NBP's 1 August 2026 sheet, Bank Alfalah's 1 August 2026 sheet and HBL's 1 October to 31 December 2026 sheet. A term deposit locks your money for the term. For all tenors and banks, see [fixed deposit rates in Pakistan](/money/guides/fixed-deposit-rates-pakistan/).

## Which should you choose for monthly income?

- **You are 60 or over, a widow or have a disability:** Behbood pays the most, Rs 1,060 per lakh with no tax deducted.
- **You want the most after tax and can leave the money for years:** Regular Income Certificates pay a filer Rs 833 per lakh a month, against Rs 667 in a 10% bank account. Cashing in within 4 years costs a charge.
- **You may need the money any day:** a monthly-profit bank savings account at 10.00% lets you withdraw any time.
- **You want Islamic only:** expect about two-thirds of the conventional figure; Meezan paid 6.63% for September 2026.
- **You are a non-filer:** you lose 40% of bank profit and 30% of National Savings profit to tax. See [filer vs non-filer](/business/guides/filer-vs-non-filer/) and [tax on bank profit](/money/guides/tax-on-bank-profit/).

More guides: [savings account profit rates](/money/guides/savings-account-profit-rates/), [fixed deposit rates in Pakistan](/money/guides/fixed-deposit-rates-pakistan/), [investment options in Pakistan](/money/guides/investment-options-pakistan/), [Zakat deduction from bank accounts](/money/guides/zakat-deduction-bank/), [how to become a filer](/business/guides/how-to-become-filer/), [Banking & Payments](/money/banking/), [Money](/money/).

## Questions people ask

### How much profit will I get on 10 lakh per month?

In a conventional bank savings account paying 10.00% with monthly profit, about Rs 8,333 a month before tax: Rs 6,667 for a filer and Rs 5,000 for a non-filer. In Regular Income Certificates (Rs 980 a month per lakh from 1 October 2026), Rs 9,800 before tax and Rs 8,330 for a filer.

### What is Meezan Bank's monthly profit on 10 lakh?

Meezan Bank's Saving Account paid 6.63% for September 2026 on balances up to Rs 1 crore. On Rs 10 lakh that is about Rs 5,525 a month before tax, Rs 4,420 for a filer and Rs 3,315 for a non-filer. Meezan declares the rate after each month, so it changes.

### How much profit will I get on 1 crore per month?

At 10.00%, about Rs 83,333 a month before tax: Rs 66,667 for a filer and Rs 50,000 for a non-filer. In Regular Income Certificates, Rs 98,000 before tax and Rs 83,300 for a filer, as of October 2026.

### Which gives more monthly income, a bank or National Savings?

National Savings, as of October 2026. RIC pays Rs 980 a month per lakh against about Rs 833 at a 10% bank account, and its tax is 15% for filers instead of 20%. Behbood pays Rs 1,060 per lakh with no withholding tax, but only for people aged 60 and over, widows and people with disabilities.

## Sources

- [Latest Profit Rates (summary w.e.f. 1 October 2026)](https://savings.gov.pk/latest-profit-rates/), Central Directorate of National Savings (accessed 18 Oct 2026)
- [Regular Income Certificates rate sheet w.e.f. 1 October 2026](https://savings.gov.pk/wp-content/uploads/2026/10/RIC_wef_01X26.pdf), Central Directorate of National Savings (accessed 16 Oct 2026)
- [Regular Income Certificates](https://savings.gov.pk/regular-income-certificates/), Central Directorate of National Savings (accessed 8 Oct 2026)
- [Behbood Savings Certificate](https://savings.gov.pk/behbood-savings-certificate/), Central Directorate of National Savings (accessed 16 Oct 2026)
- [Special Savings Certificates/Account rate sheet w.e.f. 1 October 2026](https://savings.gov.pk/wp-content/uploads/2026/10/SSA-SSC-RIC-STSC._wef01X26pdf.pdf), Central Directorate of National Savings (accessed 8 Oct 2026)
- [Special Savings Certificates](https://savings.gov.pk/special-savings-certificates/), Central Directorate of National Savings (accessed 8 Oct 2026)
- [Withholding Tax Rates Card, tax year 2027 (Finance Act 2026)](https://download1.fbr.gov.pk/Docs/202681113864992WithholdingTaxRatesCard2027.pdf), FBR (accessed 15 Oct 2026)
- [BPRD Circular Letter No. 15 of 2026: Minimum Rate of Return on Saving Deposits](https://www.sbp.org.pk/circulars/bprd-circular-letter-no-15-of-2026), State Bank of Pakistan (accessed 10 Oct 2026)
- [Indicative and Annualized Rates on Deposits, 1 October to 31 December 2026](https://www.hbl.com/assets/documents/Indicative_and_Annualized_Rates_on_Deposits_w.e_.f_._01_.10.2026_to_31_.12.2026.pdf), HBL (accessed 18 Oct 2026)
- [Projected Rate Sheet, October 2026](https://www.ubldigital.com/portals/0/Pdf/Projected-Rate-Sheet-October-2026.pdf), UBL (accessed 18 Oct 2026)
- [Projected Rates of Profit, October 2026](https://www.abl.com/wp-content/uploads/2026/10/Projected-Profit-Rates-October-2026.pdf), Allied Bank (accessed 18 Oct 2026)
- [Indicative Deposit Profit Rates (savings effective 1 August 2026)](https://prodbaf.blob.core.windows.net/data/BAFL%20-%20Deposit%20Rate%20Sheet%20-%2021st%20August%202026.pdf), Bank Alfalah (accessed 18 Oct 2026)
- [Profit Rates, Year 2026 (January to September 2026)](https://www.meezanbank.com/wp-content/themes/mbl/downloads/historical-profit-rates/HistPR-2026.pdf), Meezan Bank (accessed 18 Oct 2026)
- [Indicative Profit Rates on Remunerative Deposits w.e.f. 1 August 2026](https://www.nbp.com.pk/IndicativeProfitRates/files%5CIndicative-Profit-Rates-W.e.f%2001-08-2026.pdf), National Bank of Pakistan (accessed 18 Oct 2026)
- [NBP Itmenan Accounts](https://www.nbp.com.pk/ItmenanAccount/product-details.aspx), National Bank of Pakistan (accessed 18 Oct 2026)