Qaumi Bachat Bank monthly profit for Regular Income Certificates [May 2026 Update]

LAHORE – The National Savings Centre commonly known as Qaumi Bachat Bank offers reasonable monthly profit on investment in Regular Income Certificates (RIC). The product was launched in February 1992 to cater the monthly requirements of the general public as the RIC comes with maturity period of fives years. The Qaumi Bachat Bank starts giving monthly profit from the date of issue of certificates. Who is Eligible? The bank said all Pakistani nationals as well as Overseas Pakistanis can purchase Regular Income Certificates (RIC) being a single adult, a minor or two adults jointly where the payments can be received either by the both jointly (Joint-A) or any one of the holders (Joint-B). Investment limit The investment plan requires a minimum contribution of Rs50,000, with no upper limit on the amount an individual can invest. Tax Deduction Persons appearing in Active Tax Payer List (ATL) will pay 15% Withholding Tax on the yield/profit irrespective of date of investment and amount/profit. However, the tax rate for non-filers has been fixed at 30%. Investment made in RIC is exempted from Zakat deduction. Regular Income Certificates Monthly Profit in May 2026 The Qaumi Bachat Bank monthly profit for Regular Income Certificates in May 2026 stands at Rs830 on each investment of Rs100,000 as it has fixed the profit rate at 9.60 percent.