Qaumi Bachat Sarwa Account profit details for Rs100,000 investment

The National Savings Centre (Qaumi Bachat Bank) has introduced Islamic investment options to meet the public demand for Shariah-compliant savings. For this purpose, it launched a dedicated Islamic window called Rafa National Savings (RNS), offering different products under Islamic finance rules.

One of the key products is the Sarwa Islamic Savings Account (SISA).

How SISA Works

SISA is based on the Islamic principle of Wakala-bil-Istismar (Investment Agency). Here’s how it works in simple terms:

• The account holder (customer) is the principal.

• The Ministry of Finance acts as the agent (Wakeel) to invest the customer’s money.

• Investments are made in Shariah-approved government projects and assets.

• The profit generated is shared with the account holders.

If the profit is more than expected, the extra amount goes to the Ministry of Finance as an incentive. If there is a loss, account holders bear their share of the risk.

Profit Rate (September 2025)

The profit rate for SISA was last revised on August 21, 2025, and remains fixed at 9.5%.

• Example: If you invest Rs. 100,000, you will receive around Rs. 950 profit per month (before tax).

Tax on Profit

There is a withholding tax on the profit you earn:

• 15% for taxpayers (filers)

• 35% for non-taxpayers (non-filers)

Investment Limit

• Minimum investment: Rs. 50,000

• Maximum investment: No limit

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