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

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.

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.

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.

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 and 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.

More detail: National Savings certificates and 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:

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.

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 and tax on bank profit.

More guides: savings account profit rates, fixed deposit rates in Pakistan, investment options in Pakistan, Zakat deduction from bank accounts, how to become a filer, Banking & Payments, Money.