Regular Income Certificate Profit Rate Set at 11.82%
The Regular Income Certificate (RIC) is a government-backed savings scheme designed for people who want to earn a fixed monthly income from their savings. As of June 10, 2026, the profit rate on RICs stands at 11.82% per year. (Source)
Launched in 1993, the scheme has a five-year maturity period, which means your investment remains in the certificate for five years unless you choose to encash it earlier under applicable rules.
One of the biggest benefits of RICs is that profit is paid every month, providing investors with a regular source of income. Certificates are available in denominations ranging from Rs. 50,000 to Rs. 10 million.
Profit on Rs. 100,000 in Qaumi Bachat Bank Certificates:
At the current profit rate of 11.82%, an investment of Rs. 100,000 would generate:
- Annual Profit: Rs. 11,820
- Monthly Profit: Approximately Rs. 985
This means an investor can expect to receive around Rs. 985 per month before any applicable taxes, compared to Rs. 1,100 on Behbood Saving Certificate.
Who Can Invest?
Regular Income Certificates are available to:
- Pakistani citizens
- Overseas Pakistanis
- Minors through a parent or guardian
- Two adults investing jointly
Where Can You Buy RICs?
Investors can purchase RICs from National Savings Centres (NSCs), authorized bank branches, and the State Bank of Pakistan (SBP) by submitting a simple application form.
To apply, adults need a copy of their CNIC, while Overseas Pakistanis can use a NICOP or POC. For minors, a Form B or Child Registration Certificate (CRC) issued by NADRA is required.
With guaranteed monthly profit payments and government backing, the Regular Income Certificate remains a popular option for individuals seeking a steady income from their savings.