national saving organization

7/31/2019 National Saving Organization

http://slidepdf.com/reader/full/national-saving-organization 1/31

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@nirlkilw Shdl`s Ohlj Hcw& 8103 phs urnkyf`hwig, Gyrdl` wai Bdrsw Pnrfg Phr& wai

Ordwdsa @nirlkilw dlwrngycig siirhf Scaikis bnr cnfficwdnl nb bylgs wn kiiw wai

iquilgdwyri, Dw phs dl wads cnlwiqw wahw wai Unsw Nbbdci Chsa Cirwdbdchwis hlg& gyrdl` wai Sicnlg

Pnrfg Phr& Unsw Nbbdci Gibilci Shdl`s Cirwdbdchwis piri bfnhwig, Wai liig wn siwyu h

siuhrhwi hìlct phs bifw hlg h Lhwdnlhf Shdl`s Oyrihy phs iswhofdsaig dl 8473+ 77 hs hl

hwwhcaig giuhrwkilw nb wai Kdldswrt nb Bdlhlci nb wai ylgddgig @nirlkilw nb Dlgdh, Wai

giuhrwkilw phs aihgig ot Lhwdnlhf Shdl`s Cnkkdssdnlir pdwa wai swhwys nb h Mndlw Sicriwhrt,

Hw wahw wdki wai khdl bylcwdnls nb wai Shdl`s Giuhrwkilw piri wn dldwdhwi hff unfdct khwwirs

hlg dssyi gdricwdis bnr wai iqicywdnl nb unfdct gicdsdnls nb wai Cilwrhf @nirlkilw& hlg wn

ridip wai Shdl`s Scaikis brnk wdki wn wdki, @rhgyhfft& Shdl`s Nr`hld}hwdnl piri

iswhofdsaig dl hfknsw hff wai Urndlcis nb wai syo+cnlwdlilw pdwa wai nomicwdi nb unuyfhrd}dl`

wai Shdl`s Scaikis hknl` wai khssis hs piff hs wn syuirdsi& `ydgi hlg cnlwrnf wai pnrjdl`

nb hywanrd}ig hìlws ylgir waidr myrdsgdcwdnl, Wai hìlws& pan piri huundlwig ot wai fnchf

hywanrdwdis, Wait piri uhdg cnkkdssdnl E ? 8.? nl wai dliswkilw sicyrig ot waik, Waisi

hywanrd}ig hìlws piri dl wansi ghts wai nlft hìlct bnr sicyrdl` dliswkilw dl wirks nb

Shdl`s Cirwdbdchwis brnk wai ìlirhf uyofdc, Dl lywsaiff wai cilwrhf hìlct d}, Lhwdnlhf

Shdl`s Oyrihy& Sdkfh& phs khdlft cnlcirlig pdwa wai unfdct hlg ufhlldl` khwwirs nb wai

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pdwa Urndlcdhf hywanrdwdis,

Hw wai wdki nb Dlgiuilgilci wairi phs ln wdki bnr hlt snrw nb dllnhwdnls dl wai bdifg nb

hgkdldswrhwdnl, Ways hl nr`hld}hwdnl pdwa wai lhki nb 'Uhjdswhl shdl`s Cilwrhf Oyrihy' phs

crihwig hlg wai Shdl`s pnrj phs ilwryswig wn dw ot wai @nirlkilw nb Uhjdswhl& oyw wads

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2

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phs onrli ot wai Cilwrhf @nirlkilw, Syca hl hrrhlìkilw crihwig h fhrì lykoir nb

hgkdldswrhwdi gdbbdcyfwdis hlg swylwig wai `rnpwa nb shdl`s, Dl dip nb waisi gdbbdcyfwdis wai

Cilwrhf Gdricwnrhwi nb Lhwdnlhf Shdl`s phs `dil wai swhwys nb hl Hwwhcaig Giuhrwkilw dl

Siuwikoir& 8425& hlg phs khgi risunlsdofi bnr hff unfdct khwwirs hlg iqicywdnl nb hrdnys

Lhwdnlhf Shdl`s Scaikis,

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hlg dws hcwddwdis piri kirift urnknwdnlhf dl lhwyri, Oyw dl ihrft 840?& wai scnui nb dws

hcwddwdis phs ilfhrìg hs wai Cilwrhf Gdricwnrhwi swhrwig siffdl` DD+_yuii Urd}i Onlgs& hlg

syosixyilwft il`hìg dl wai nuirhwdnls nb nwair shdl`s scaikis, Wads risyfwig dl cnlsdgirhofi

iquhlsdnl nb wai Lhwdnlhf Shdl`s Nr`hld}hwdnl,

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85

SCAIKIS

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3, _i`yfhr Dlcnki Cirwdbdchwis !_DC$

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http://www.savings.gov.pk/DSC.asp

http://www.savings.gov.pk/SSCR.asp

http://www.savings.gov.pk/RIC.asp


http://www.savings.gov.pk/BSC.asp


http://www.savings.gov.pk/SA.asp

http://www.savings.gov.pk/SSA.asp

http://www.savings.gov.pk/PBA.asp


http://www.savings.gov.pk/SSA.asp





http://www.savings.gov.pk/DSC.asp



88

CI_WDBDCHWIS

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Wai @nirlkilw nb Uhjdswhl dlwrngycig Gibilci Shdl`s Cirwdbdchwi scaiki dl wai tihr 8422,

Wai scaiki ahs suicdbdchfft oiil gisd`lig wn kiiw wai bywyri rixydrikilws nb wai giunsdwnrs,

Wads ds wai nlft scaiki ahdl` 85 tihrs' khwyrdwt pdwa oydfw dl bihwyri nb hywnkhwdc

ridliswkilw hbwir wai khwyrdwt, Waisi cirwdbdchwis hri hhdfhofi dl wai gilnkdlhwdnls nb

_s,955& _s,8555& _s,9&555& _s,85&555& _s,95&555& _s,855&555& _s,955&555 hlg _s,8&555&555.;,

Pan Chl Dlisw

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lhkis pdwa wai nuwdnls nb uhthofi wn wai anfgirs mndlwft !Mndlw+H $ nr uhthofi wn idwair

!Mndlw+O$, Hl hgyfw chl hfsn uyrcahsi waisi cirwdbdchwis nl oiahfb nb h sdl`fi kdlnr& wpn

kdlnrs mndlwft nr adksifb.airsifb hlg h kdlnr mndlwft, Dl hggdwdnl wn honi dlgddgyhf

dliswnrs& wai bnffnpdl` dlswdwywdnls hri hfsn hffnpig wn dlisw dl wai scaiki=

h, _i`dswirig Cahrdwdis !Lnl+urnbdw ongdis$,

o, Uyofdc Sicwnr Ilwirurdsis iqcfygdl` Ohljs,

c, Urdhwi Igychwdnlhf " Aihfwa Dlswdwywdnls,

g, Ikufntiis Nfg H`i Oilibdw Dlswdwywdnls !INODs$,

i, Urdhwi Cnrunrhwi Sicwnr ri`dswirig pdwa wai SICU iqcfygdl` Ohljs,

b, Lnl+Ohlj Bdlhlcdhf Dlswdwywdnls !LOBDs$ iqcfygdl` Dlsyrhlci Cnkuhldis,

Anp wn Uyrcahsi,

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Unsw Nbbdcis !UUN$& Scaigyfig Ohlj orhlcais hlg Swhwi Ohlj nb Uhjdswhl !SOU$ ot bdffdl`

dl h uriscrdoig bnrk chffig SC+8& padca ds hhdfhofi hw hff wai honi nbbdcis nb dssyi brii

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http://www.savings.gov.pk/Forms/SC-1.PDF




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wai Uhssunrw ds rixydrig wn oi hwwhcaig pdwa wai huufdchwdnl bnrk, Wn gnplfnhg huufdchwdnl

bnrk dl igdwhofi Hgnoi Hcrnohw bnrkhw& ufihsi cfdcj airi,

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urisilwdl` h caixyi, Wai cirwdbdchwis sahff dkkigdhwift oi dssyig nl riciduw nb chsa,

Anpiir& dl chsi nb giunsdw warny`a caixyi wai cirwdbdchwis sahff oi dssyig brnk wai ghwi

nb rihfd}hwdnl nb wai caixyi hbwir riciduw nb wai cfihrhlci hgdci,

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dliswkilw dl wads scaiki,

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uyrcahsi, Anpiir& ln urnbdw ds uhthofi db ilchsakilw ds khgi oibnri cnkufiwdnl nb nli

tihr,

Pahw ds wai riwyrl,

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_s,855&555.+ pdff oicnki _s,851&555.+& _s,881&555.+& _s,8?4&555.+& _s,87?&555.+&

_s,891&555.+& _s,800&555.+& _s,?58&555.+& _s,?35&555.+& _s,?29&555.+ hlg _s,389&555.+ nl

cnkufiwdnl nb 8& ?& 3& 7& 9& 2& 0& 1& 4 hlg 85 tihrs& risuicwdift, Waisi rhwis hri ibbicwdi

brnk ?7wa Myli& ?551, Wai hirh`i cnkunylg rhwi nb riwyrl nl khwyrdwt urisilwft pnrjs

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83

Whq " ]hjhw Swhwys,

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scaiki ot wai dliswnr!s$ gnis lnw iqciig _s,895&555.+, Anpiir& pdwaanfgdl` whq E

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_s,895&555.+ ot wai dliswnr!s$, Wai ]hjhw ds cnfficwig hw snyrci hs uir ryfis,

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dlwrngycig dl Bioryhrt& 8445, Waisi cirwdbdchwis hri hhdfhofi dl wai gilnkdlhwdnl nb _s,955&

_s,8555& _s,9&555& _s,85&555& _s,95&555& _s,855&555& _s,955&555 hlg _s,8&555&555.;, Urnbdw

ds uhdg nl wai cnkufiwdnl nb ihca uirdng nb sdq knlwas,

Pan Chl Dlisw

Waisi cirwdbdchwis chl oi uyrcahsig ot h sdl`fi hgyfw& h kdlnr& wpn hgyfws dl waidr mndlw lhkis

pdwa wai nuwdnls nb uhthofi wn wai anfgirs mndlwft !Mndlw+H $ nr uhthofi wn idwair !Mndlw+O$, Hl

hgyfw chl hfsn uyrcahsi waisi cirwdbdchwis nl oiahfb nb h sdl`fi kdlnr& wpn kdlnrs mndlwft nr

adksifb.airsifb hlg h kdlnr mndlwft, Dl hggdwdnl wn wai honi dlgddgyhf dliswnrs& wai

bnffnpdl` dlswdwywdnls chl hfsn dlisw dl wai scaiki=






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87

Anp Wn Uyrcahsi,

Waisi cirwdbdchwis chl oi uyrcahsig brnk hlt Lhwdnlhf Shdl`s Cilwri !LSC$& Uhjdswhl Unsw

Nbbdci !UUN$& Scaigyfig Ohlj orhlcais hlg wai nbbdcis nb Swhwi Ohlj nb Uhjdswhl !SOU$ ot

bdffdl` dl h uriscrdoig bnrk chffig SC+8& padca ds hhdfhofi hw hff wai honi nbbdcis nb dssyi

brii nb cnsw, H cnut nb wai Lhwdnlhf Dgilwdwt Chrg nr dl chsi nb h bnrid`l lhwdnlhf& h cnut nb

uhssunrw ds rixydrig wn oi hwwhcaig pdwa wai huufdchwdnl bnrk,

Kngi nb Giunsdw,

Waisi cirwdbdchwis chl oi uyrcahsig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl`

h caixyi, Wai cirwdbdchwis sahff dkkigdhwift oi dssyig nl riciduw nb chsa, Anpiir& dl chsi

nb giunsdw warny`a caixyi wai cirwdbdchwis sahff oi dssyig brnk wai ghwi nb rihfd}hwdnl nb wai

caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw ds _s,955.+& anpiir& wairi ds ln khqdkyk fdkdw nb

dliswkilw dl wai scaiki,

Pahw Honyw _igikuwdnl,

Waisi cirwdbdchwis hri ilchsahofi hw uhr hlt wdki hbwir nli knlwa brnk wai ghwi nb uyrcahsi,

Anpiir& ln urnbdw ds uhthofi db wai ilchsakilw ds khgi oibnri cnkufiwdnl nb sdq knlwas,

Pahw Pdff D @iw Hs Urnbdw,

Hw urihdfdl` rhwis& wai urnbdw ds uhdg E83,5) u,h, bnr 8sw bdi urnbdws hlg E 87,?) u,h, bnr

wai fhsw urnbdw, Anpiir& db wai urnbdw ds lnw pdwagrhpl nl gyi ghwi dw pdff hywnkhwdchfft swhlg

http://www.savings.gov.pk/App_Forms/SC-1.PDF

http://www.savings.gov.pk/App_Forms/SC-1.PDF



89

ridliswig hlg pnyfg oi chfcyfhwig bnr byrwair urnbdw nl cnkufiwdnl nb wai liqw 52 knlwas'

uirdng,

Whq " ]hjhw Swhwys,


scaiki ot wai dliswnr!s$ gnis lnw iqciig _s,895&555.+, Anpiir& pdwaanfgdl` whq E

85) ds gigycwdofi hw snyrci nl wai urnbdw!s$ ihrlig db wai wnwhf dliswkilw iqciigs

_s,895&555.+ ot wai dliswnr!s$, ]hjhw ds cnfficwig hw snyrci hs uir ryfis,

3,_i`yfhr Dlcnki Cirwdbdchwis !_DC$

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scaiki phs fhylcaig nl ?lg Bioryhrt& 8443, Waisi cirwdbdchwis hri hhdfhofi dl wai

gilnkdlhwdnl nb _s,95&555& _s,855&555& _s,955&555& _s,8&555&555& _s,9&555&555 "

_s,85&555&555.;, Urnbdw ds uhdg nl knlwaft ohsds ricjnlig brnk wai ghwi nb dssyi nb cirwdbdchwis,

Pan Chl Dlisw

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lhkis pdwa wai nuwdnls nb uhthofi wn wai anfgirs mndlwft !Mndlw+H $ nr uhthofi wn idwair !Mndlw+

O$, Hl hgyfw chl hfsn uyrcahsi waisi cirwdbdchwis nl oiahfb nb h sdl`fi kdlnr& wpn kdlnrs mndlwft

nr adksifb.airsifb hlg h kdlnr mndlwft, Dl hggdwdnl wn honi dlgddgyhf dliswnrs& wai bnffnpdl`

dlswdwywdnls hri hfsn hffnpig wn dlisw dl wai scaiki=






b, Lnl+Ohlj Bdlhlcdhf Dlswdwywdnls !LOBDs$ iqcfygdl` Dlsyrhlci Cnkuhldis ,






82

Anp Wn Uyrcahsi,

Waisi cirwdbdchwis chl oi uyrcahsig brnk hlt Lhwdnlhf Shdl`s Cilwri !LSCs$ nr brnk

Uhjdswhl Unsw Nbbdci !UUN$ ot bdffdl` dl h uriscrdoig bnrk chffig SC+8& padca ds hhdfhofi hw

hff wai honi nbbdcis nb dssyi brii nb cnsw, H cnut nb wai Lhwdnlhf Dgilwdwt Chrg nr dl chsi nb h

bnrid`l lhwdnlhf& h cnut nb wai Uhssunrw kht oi hwwhcaig pdwa wai huufdchwdnl bnrk !SC+D$,

Kngi nb Giunsdw,

Waisi cirwdbdchwis chl oi uyrcahsig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl`

h caixyi, Wai cirwdbdchwis sahff dkkigdhwift oi dssyig nl riciduw nb chsa, Anpiir& dl chsi

nb giunsdw warny`a caixyi wai cirwdbdchwis sahff oi dssyig brnk wai ghwi nb rihfd}hwdnl nb wai

caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw ds _s,95&555.+& anpiir& wairi ds ln khqdkyk fdkdw nb

dliswkilw dl wads scaiki,


Waisi cirwdbdchwis hri ilchsahofi hlt wdki syomicw wn gigycwdnl nb sirdci cahr`is hw wai

bnffnpdl` rhwis=

+db ilchsaig oibnri cnkufiwdnl nb nli tihr

brnk wai ghwi nb dssyi,E ?,55) nb wai bhci hfyi

+b ilchsaig hbwir nli tihr oyw oibnri

cnkufiwdnl nb 5? tihrs brnk wai ghwi nb dssyi,

E 8,95) nb wai bhci

hfyi





80

+db ilchsaig hbwir wpn tihrs oyw oibnri

cnkufiwdnl nb 53 tihrs brnk wai ghwi nb dssyi,

E 8,55) nb wai bhci

hfyi

+db ilchsaig hbwir warii tihrs oyw oibnri

cnkufiwdnl nb 57 tihrs brnk wai ghwi nb dssyi,

E 5,95) nb wai bhci

hfyi

Pahw ds wai riwyrl

Hw wai urihdfdl` rhwis knlwaft urnbdw nb _s,8833.+ ds uhdg nl dliswkilw nb ihca

_s,855&555.+, Wads pht wai urnbdw rhwi pnrjs wn 83,2) u,h, Anpiir& wai bhcdfdwt nb

hywnkhwdc ridliswkilw nb urnbdw wn ihrl byrwair urnbdw ds lnw hhdfhofi dl wads scaiki,

Whq " ]hjhw Swhwys,

Wai urnbdw ihrlig nl waisi cirwdbdchwis ds syomicw nb gigycwdnl nb 85) pdwaanfgdl` whq hw

snyrci, Anpiir& wai dliswkilw khgi dl wads scaiki ds iqikuw brnk cnfficwdnl nb ]hjhw,

7,Ohaonng Shdl`s Cirwdbdchwis !OSC$

Jiiudl` dl dip wai ahrgsadus bhcig ot wai pdgnps hlg sildnr cdwd}ils hlg wn `yhrg waik

h`hdlsw wai gicfdldl` rhwi nb riwyrl nl Lhwdnlhf Shdl`s Scaikis& wads wil tihrs' khwyrdwt

scaiki phs fhylcaig ot wai @nirlkilw nl 8sw Myft& ?553, Dldwdhfft wai scaiki phs kihlw

bnr pdgnps nlft& anpiir& wai @nw, fhwir gicdgig wn iqwilgig wai bhcdfdwt bnr sildnr cdwd}ils

h`ig 25 tihrs hlg honi pdwa ibbicw brnk 8sw Mhlyhrt& ?557, Waisi cirwdbdchwis hri hhdfhofi dl

wai gilnkdlhwdnls nb _s,9&555.+& _s,85&555.+& _s,95&555.+& _s,855&555.+& _s,955&555 hlg

_s,8&555&555.+, Urnbdw ds uhdg nl knlwaft ohsds ricjnlig brnk wai ghwi nb uyrcahsi nb wai

cirwdbdchwis,





81

Pan Chl Dlisw

Nlft pdgnps hlg sildnr cdwd}ils hìg 25 tihrs hlg honi hri ifd`dofi wn dlisw& sdl`ft nr

mndlwft,

Anp Wn Uyrcahsi,

Waisi cirwdbdchwis chl nlft oi uyrcahsig brnk wai Lhwdnlhf Shdl`s Cilwri !LSCs$ ot bdffdl`

dl h uriscrdoig bnrk chffig SC+8& padca ds hhdfhofi hw wai nbbdcis nb dssyi brii nb cnsw, H

cnut nb wai Lhwdnlhf Dgilwdwt Chrg hlg licisshrt idgilci ri`hrgdl` ifd`dodfdwt ds rixydrig wn

oi hwwhcaig pdwa wai huufdchwdnl bnrk,

Kngi nb Giunsdw,

Wai cirwdbdchwis chl oi uyrcahsig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl` h

caixyi, Wai cirwdbdchwis sahff dkkigdhwift oi dssyig nl riciduw nb chsa, Anpiir& dl chsi nb

giunsdw warnyà caixyi wai cirwdbdchwis sahff ahi wai ibbicw brnk wai ghwi nb rihfd}hwdnl nb

wai caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw dl wads scaiki ds _s,9&555.+& pairihs& wai khqdkyk fdkdw ds

_s,3&555&555.+, Dliswkilw dl hffnpig dl kyfwdufi nb _s,8&555.+,


Wai cirwdbdchwis chl oi ilchsaig hlt wdki hbwir dssyhlci syomicw wn gigycwdnl nb sirdci

cahrìs hw wai bnffnpdl` rhwis=





84

db ilchsaig oibnri cnkufiwdnl nb nli tihr brnk wai ghwi

nb uyrcahsi,

E 8,55)

nb wai bhci hfyi

db ilchsaig hbwir nli tihr oyw oibnri cnkufiwdnl nb 5?

tihrs brnk wai ghwi nb uyrcahsi,

E 5,09)

nb wai bhci hfyi

db ilchsaig hbwir wpn tihrs oyw oibnri cnkufiwdnl nb 53


E 5,95)

nb wai bhci hfyi

db ilchsaig hbwir warii tihrs oyw oibnri cnkufiwdnl nb 57


E 5,?9)

nb wai bhci hfyi

db ilchsaig hbwir cnkufiwdnl nb 57 tihrs Ln sirdci cahrìs

,

Lnwi= Dw ds wn cfhrdbt wahw dl wai chsis nb cnlirsdnls khgi nl 5?+5?+?554 ot wai iqdswdl`

anfgirs nb OSCs wn ihrl adàir rhwi nb urnbdw& wai sirdci cahrìs gigycwdnl nl syca cnlirsdnl

sahff oi ribylgig nl h prdwwil rixyisw fngìg ot waik bnr wads uyrunsi, Syca ribylgs sahff

anpiir& oi khgi warnyà crnssig `nirlkilw caixyis dssyig ot wai Lhwdnlhf Shdl`s

Wrihsyrt nr wai caixyis dssyig nl cyrrilw hccnylws nuilig ot nyw swhwdnl cilwirs hw wai LOU, H

urnuir hcjlnpfigìkilw riciduw sahff hfsn oi nowhdlig brnk wai cnlcirlig dliswnr bnr wai

caixyi sn dssyig, Dl hggdwdnl wait sahff hfsn oi ilwdwfig wn wai gdbbirilci nb urnbdw gyi ylgir

wai hkilgig ryfis hlg wahw oi uhdg wn waik nl wai ghwi,

Pahw ds wai riwyrl,,

Hw wai urihdfdl` rhwis knlwaft urnbdw nb _s,837?.+ ds uhdg nl dliswkilw nb ihca

_s,855&555.+, Wads pht wai urnbdw rhwi pnrjs wn 82,85) u,h, Hywnkhwdc ridliswkilw nb urnbdw

bhcdfdwt wn ihrl byrwair urnbdw ds lnw hgkdssdofi dl wads scaiki hw wai scaiki's rhwi: anpiir&

byrwair urnbdw ds uhdg nl ylgrhpl urnbdw hw wai rhwi huufdchofi nl Shdl`s Hccnylw,



?5

Whq " ]hjhw Swhwys,

Wai pdwaanfgdl` whq ds lnw cnfficwig nl wai urnbdw ihrlig nl waisi cirwdbdchwis, Wai

dliswkilw khgi dl wads scaiki ds hfsn iqikuw brnk ]hjhw,



?8

HCCNYLWS

8,Shdl`s Hccnylw !SH$

Wads ds wai nfgisw scaiki hknl` wai Lhwdnlhf Shdl`s dlswrykilws, Wai scaiki ahs oiil

gisd`lig wn ilcnyrh`i wai skhff shirs hlg wn kiiw waidr ght wn ght liigs, Wads ds hl nrgdlhrt

hccnylw hlg brixyilw pdwagrhphfs ! wardci h piij$ chl oi khgi warny`a wads hccnylw, ,

Pan Chl Dlisw ,

Wai hccnylw chl oi nuilig ot h sdl`fi hgyfw& h kdlnr& wpn hgyfws dl waidr mndlw lhkis pdwa wai

nuwdnls nb uhthofi wn wai anfgirs mndlwft !Mndlw+H $ nr uhthofi wn idwair !Mndlw+O$, Hl hgyfw chl

hfsn dlisw dl waisi hccnylw nl oiahfb nb h sdl`fi kdlnr& wpn kdlnrs mndlwft nr adksifb.airsifb

hlg h kdlnr mndlwft, Dl hggdwdnl wn honi dlgddgyhf dliswnrs& wai bnffnpdl` dlswdwywdnls hri

hfsn hffnpig wn dlisw dl wai scaiki=







Cnkuhldis,

Anp Wn Dlisw,

Waisi hccnylw chl oi nuilig hw hlt Lhwdnlhf Shdl`s Cilwri !LSCs$ hlg Uhjdswhl Unsw

Nbbdci !UUN$ ot bdffdl` dl h uriscrdoig bnrk chffig GH+8& padca ds hhdfhofi hw hff wai honi

nbbdcis nb dssyi brii nb cnsw, H cnut nb wai Lhwdnlhf Dgilwdwt Chrg nr dl chsi nb h bnrid`l


http://www.savings.gov.pk/Forms/DA-1.PDF





??

lhwdnlhf& h cnut nb wai Uhssunrw kht oi hwwhcaig pdwa wai huufdchwdnl bnrk,

Kngi nb Giunsdw,

Wai hccnylws chl oi nuilig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl` h

caixyi, Wai uhssonnj hlg pdwagrhphf sfdu sahff dkkigdhwift oi dssyig nl riciduws nb chsa,

Anpiir& dl chsi nb giunsdw warny`a caixyi wai hccnylw sahff oi nuilig brnk wai ghwi nb

rihfd}hwdnl nb wai caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw ds _s,855.+ dl wai scaiki oisdgis ln khqdkyk fdkdw,

Anpiir& nlft nli hccnylw chl oi nuilig ot uirsnl hw hl nbbdci nb dssyi,

Pahw Honyw Ilchsakilw ,

Wai giunsdws chl oi pdwagrhpl hlt wdki brnk wai ghwi nb giunsdw, Anpiir& wairi ds h fdkdw

nb warii pdwagrhphfs pdwadl h piij's wdki,

Pahw ds wai _iwyrl,

Urnbdw dl wads hccnylw ds crigdwig nl 35wa Myli iirt tihr hlg ds pnrjig nyw nl wai fnpisw

ohfhlci nb hl hccnylw oiwpiil wai cfnsi nb wai sdqwa ght hlg ilg nb wai knlwa, Wai cyrrilw

rhwi nb urnbdw ds 4,55) u,h,

Whq " ]hjhw Swhwys,

Hw urisilw wai urnbdw ihrlig nl wai hccnylws& pairidl wai hirh`i ohfhlcis pdwadl h knlwa

gn lnw iqciig wai fdkdw nb _s,895&555.+ hri iqikuw brnk fit nb pdwaanfgdl` whq, Anpiir&



?3

pdwaanfgdl` whq E85) ds gigycwdofi hw snyrci nl wai urnbdws ihrlig nl wai hccnylws& pairidl

wai ohfhlcis iqciig wai hbnrishdg fdkdw, ]hjhw ds hfsn huufdchofi hs uir ryfis,

?,Suicdhf Shdl`s Hccnylw !SSH$

H warii tihrs khwyrdwt scaiki dlwrngycig dl Bioryhrt& 8445, Wai giunsdws hri khdlwhdlig dl

bnrk nb hl hccnylw, Urnbdw ds uhdg nl wai cnkufiwdnl nb ihca uirdng nb sdq knlwas,

Pan Chl Dlisw ,

Wai hccnylw chl oi nuilig ot h sdl`fi hgyfw& h kdlnr& wpn hgyfws dl waidr mndlw lhkis pdwa

wai nuwdnls nb uhthofi wn wai anfgirs mndlwft !Mndlw+H $ nr uhthofi wn idwair !Mndlw+O$, Hl

hgyfw chl hfsn dlisw dl waisi hccnylw nl oiahfb nb h sdl`fi kdlnr& wpn kdlnrs mndlwft nr

adksifb.airsifb hlg h kdlnr mndlwft, Dl hggdwdnl wn honi dlgddgyhf dliswnrs& wai bnffnpdl`

dlswdwywdnls hri hfsn hffnpig wn dlisw dl wai scaiki=







Cnkuhldis,

Anp Wn Dlisw,

Waisi hccnylws chl oi nuilig hw hlt Lhwdnlhf Shdl`s Cilwri !LSCs$ hlg Uhjdswhl Unsw

Nbbdci !UUN$ ot bdffdl` dl h uriscrdoig bnrk chffig GH+8& padca ds hhdfhofi hw hff wai honi





?7

nbbdcis nb dssyi brii nb cnsw, H cnut nb wai Lhwdnlhf Dgilwdwt Chrg nr dl chsi nb h bnrid`l

lhwdnlhf& h cnut nb wai Uhssunrw kht oi hwwhcaig pdwa wai huufdchwdnl bnrk,

Kngi nb Giunsdw,

Wai hccnylws chl oi nuilig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl` h

caixyi, Wai uhssonnj hlg pdwagrhphf sfdu sahff dkkigdhwift oi dssyig nl riciduws nb chsa,

Anpiir& dl chsi nb giunsdw warny`a caixyi wai hccnylw sahff oi nuilig brnk wai ghwi nb

rihfd}hwdnl nb wai caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw dl wads scaiki ds _s,955.+, Wairi ds lnw khqdkyk fdkdw&

anpiir& wai giunsdws hri rixydrig wn oi khgi dl kyfwdufi nb _s,955.+,

Pail Chl D Ilchsa Kt Cirwdbdchwis,

Wai giunsdws chl oi pdwagrhpl hw uhr hlt wdki hbwir nli knlwa brnk wai ghwi nb uyrcahsi,

Anpiir& ln urnbdw ds uhthofi dl chsi wai pdwagrhphfs hri khgi oibnri cnkufiwdnl nb 2

knlwas,


Hw wai urihdfdl` rhwis wai urnbdw ds uhdg E83,55) u,h, bnr 8sw bdi urnbdws hlg wai fhsw urnbdw

E 87,?5) u,h, Anpiir& db wai urnbdw ds lnw pdwagrhpl nl gyi ghwi& dw pdff hywnkhwdchfft

swhlg ridliswig hlg pnyfg oi chfcyfhwig bnr byrwair urnbdw nl cnkufiwdnl nb wai liqw 52

knlwas uirdng,



?9

Whq " ]hjhw Swhwys,


scaiki ot wai dliswnr!s$ gnis lnw iqciig _s,895&555.+, Anpiir& pdwaanfgdl` whq E 85)

ds gigycwdofi hw snyrci nl wai urnbdw!s$ ihrlig db wai wnwhf dliswkilw iqciigs _s,895&555.+ ot

wai dliswnr!s$, Wai ]hjhw ds cnfficwig hw snyrci hs uir ryfis hw wai wdki nb ilchsakilw,

Anpiir& ln ]hjhw ds lnw cnfficwig dl chsi nb ridliswkilw,

3,Uilsdnlir's Oilibdw Hccnylw !UOH$

Jiiudl` dl dip wai ahrgsadus bhcig ot wai uilsdnlirs hlg wn `yhrg waik h`hdlsw wai gicfdldl`

rhwi nb riwyrl nl Lhwdnlhf Shdl`s Scaikis& wads wil tihrs' khwyrdwt scaiki phs fhylcaig ot

wai @nirlkilw nl 84wa Mhlyhrt& ?553, Wai giunsdws hri khdlwhdlig dl wai bnrk nb hccnylws

hlg wai urnbdw ds uhdg nl knlwaft ohsds ricjnlig brnk wai ghwi nb nuildl` nb wai hccnylw,

Pan Chl Dlisw,

Wai uilsdnlirs nb Bigirhf @nirlkilw& Urndlcdhf @nirlkilws& @nirlkilw nb H}hg

Mhkky " Jhsakdr& Hrkig Bnrcis& Sikd @nirlkilw hlg Hywnlnknys ongdis hri hffnpig wn

dlisw,

Anp Wn Uyrcahsi,

Waisi hccnylws chl nlft oi nuilig hw wai Lhwdnlhf Shdl`s Cilwri !LSCs$ ot bdffdl` dl h

uriscrdoig bnrk chffig GH+8& padca ds hhdfhofi hw wai nbbdcis nb dssyi brii nb cnsw, H cnut nb

wai Lhwdnlhf Dgilwdwt Chrg hlg wai cnut nb Uilsdnl Uhtkilw Nrgir kht oi hwwhcaig pdwa wai

huufdchwdnl bnrk, Wn gnplfnhg huufdchwdnl bnrk dl igdwhofi Hgnoi Hcrnohw bnrkhw& ufihsi

cfdcj airi,











?2

Kngi nb Giunsdw,

Wai hccnylw chl oi nuilig ot giunsdwdl` chsa hw wai dssydl` nbbdci nr ot urisilwdl` h

caixyi, Wai hccnylw sahff dkkigdhwift oi nuilig nl riciduw nb chsa, Anpiir& dl chsi nb

giunsdw warny`a caixyi wai hccnylw sahff oi nuilig pdwa ibbicw brnk wai ghwi nb rihfd}hwdnl

nb wai caixyi hbwir riciduw nb wai cfihrhlci hgdci,


Wai kdldkyk dliswkilw fdkdw ds _s,85&555.+& pairihs& wai khqdkyk fdkdw ds

_s,3&555&555.+, Db hl dliswnr ahs hfrihgt nuilig hl hccnylw& ai ds ifd`dofi wn dlisw nlft

wpn syosixyilw giunsdws dl wahw hccnylw,

Pahw Honyw Ilchsakilw,

Wai giunsdws chl oi pdwagrhpl hlt wdki hbwir ghwi nb giunsdw syomicw wn gigycwdnl nb sirdci

cahr`is hw wai bnffnpdl` rhwis=

db pdwagrhpl oibnri cnkufiwdnl nb nli tihr brnk wai ghwi

nb giunsdw,

E 8,55)

nb wai bhci hfyi

db pdwagrhpl hbwir nli tihr oyw oibnri cnkufiwdnl nb 5?

tihrs brnk wai ghwi nb giunsdw,

E 5,09)

nb wai bhci hfyi

db pdwagrhpl hbwir wpn tihrs oyw oibnri cnkufiwdnl nb 53


E 5,95)

nb wai bhci hfyi

db pdwagrhpl hbwir warii tihrs oyw oibnri cnkufiwdnl nb 57


E 5,?9)

nb wai bhci hfyi



?0

Lnwi= Dw ds wn cfhrdbt wahw dl wai chsis nb cnlirsdnls khgi nl 5?+5?+?554 ot wai iqdswdl`

anfgirs nb UOHs wn ihrl adàir rhwi nb urnbdw& wai sirdci cahrìs gigycwdnl nl syca cnlirsdnl

sahff oi ribylgig nl h prdwwil rixyisw fngìg ot waik bnr wads uyrunsi, Syca ribylgs sahff

anpiir& oi khgi warnyà crnssig `nirlkilw caixyis dssyig ot wai Lhwdnlhf Shdl`s

Wrihsyrt nr wai caixyis dssyig nl cyrrilw hccnylws nuilig ot nyw swhwdnl cilwirs hw wai LOU, H

urnuir hcjlnpfigìkilw riciduw sahff hfsn oi nowhdlig brnk wai cnlcirlig dliswnr bnr wai

caixyi sn dssyig, Dl hggdwdnl wait sahff hfsn oi ilwdwfig wn wai gdbbirilci nb urnbdw gyi ylgir

wai hkilgig ryfis hlg wahw oi uhdg wn waik nl wai ghwi,


Hw wai urihdfdl` rhwis knlwaft urnbdw nb _s,837?.+ ds uhdg nl dliswkilw nb ihca

_s,855&555.+, Wads pht wai urnbdw rhwi pnrjs wn 82,85) u,h, Hywnkhwdc ridliswkilw nb urnbdw

bhcdfdwt wn ihrl byrwair urnbdw hw wai scaiki's rhwi ds lnw hgkdssdofi dl wads scaiki: anpiir&

byrwair urnbdw ds uhdg nl ylgrhpl urnbdw hw wai rhwi huufdchofi nl Shdl`s Hccnylw,

Whq " ]hjhw Swhwys,

Wai pdwaanfgdl` whq ds lnw cnfficwig nl wai urnbdw ihrlig nl wai giunsdws khgi dl wads

scaiki, Wai dliswkilw khgi dl wai scaiki ds hfsn iqikuw brnk ]hjhw,

Lnwi= Dl iqircdsi nb wai unpirs cnlbirrig ot ryfi 88 nb wai Uilsdnlirs' Oilibdw Hccnylw

_yfis& ?553& wai Bigirhf @nirlkilw ds ufihsig wn gdricw wahw rhwi nb urnbdw nl Uilsdnlirs'

Oilibdw Hccnylw lnwdbdig nl ?4wa Lnikoir&?551 ot wai Bigirhf @nirlkilw sahff oi

huufdchofi wn hff iqdswdl` giunsdws pdwa ibbicw brnk 8sw Bioryhrt&?554,



?1

U_D]I ONLGS

Urd}i Onlgs hri oihrir wtui nb sicyrdwt hhdfhofi dl wai gilnkdlhwdnls nb _s,?55& _s,095&

_s,8&955& _s,0&955& _s,89&555 hlg _s,75&555, Waisi onlgs hri dssyig dl sirdis, Ihca sirdis

cnlsdsw nb nli fiss wahl 8&555&555 onlgs, Ln bdqig riwyrl ds uhdg oyw urd}i grhps hri aifg nl

xyhrwirft ohsds, Wai grhps hri aifg ylgir cnkknl grhp kiwang hlg wai lykoir nb urd}is

hri shki bnr ihca sirdis, Dw kihls wahw db 95 sirdis nb _s,?55 Urd}i Onlg hri dl cdrcyfhwdnl,

Wail nl ihca grhp pi ahi 95 pdllirs nb 8sw urd}i hlg ?95 pdllirs nb ?lg Urd}i hlg sn nl,

Wai lykoir hlg hknylw nb urd}is nl hrdnys gilnkdlhwdnl nb urd}i onlgs bnr ihca sirdis ds

sanpl dl wai bnffnpdl` whofi-=

Gilnkdlhwdnl Bdrsw Urd}i ?lg Urd}i 3rg Urd}i

Ln, Hknylw Ln, Hknylw Ln, Hknylw

_s, ?55.+ 58 _s,

095&555 59

_s, ?95&555 ?&347 _s,

8&?95

_s, 095.+ 58 _s,

8&955&555 53

_s, 955&555 8&242 _s,

4&355

_s, 8&955.+ 58 _s,

3&555&555 53

_s,

8&555&555

8&242 _s,

81&955

_s, 0&955.+ 58 _s,

89&555&555 53

_s, 9&555&555 8&242 _s,

43&555

_s, 89&555.+ 58 _s,35&555&555 53

_s,85&555&555

8&242 _s,819&555

_s, 75&555.+ 58 _s,

09&555&555 53

_s,

?9&555&555

8&242 _s,

955&555



?4

Kr, ]hbhr K, Sahdja

Gdricwnr @ilirhfLhwdnlhf Shdl`s Nr`hld}hwdnl

Kisshì

Dw ds h khwwir nb `rihw anlnr bnr ki wahw D ahi oiil ilwryswig pdwa wai risunlsdodfdwt nb

Lhwdnlhf dkunrwhlci nb wrhlsbnrkdl` wai nr`hld}hwdnl dlwn hl hywnlnknys hlg gtlhkdc

cnrunrhwdnl byfft chuhofi wn hcadii wai `nhfs nb sirdl` nyr dliswnrs oisw, Wai Cilwrhf

Gdricwnrhwi nb Lhwdnlhf Shdl`s ds h jit ufhtir dl gnkiswdc giow khlhìkilw hrilh padca ds

khldbiswig ot dws unrwbnfdn nb nir _s, Nli wrdffdnl pdwa hl iqwilsdi nywrihca wn nir 2 kdffdnl

hfyig dliswnrs pan uhrj waidr fdbi fnl` shdl`s dl wai scaikis nbbirig ot LSS,

Dw `nis pdwanyw shtdl` wahw rhudg giifnukilw dl wai bdlhlcdhf sicwnr dl wai cnylwrt nir wai

tihrs ahs oisdgis siwwdl` adà swhlghrgs nb iqciffilci ahs khgi dw dlcykoilw yunl ys wn ordl`

honyw dkkigdhwi ribnrks dl nyr bylcwdnldl` sn hs wn kiiw wai cahffilìs unsig ot wai

cnkuiwdwdi ildrnlkilw , Wn hcadii wahw ilg D pnyfg fdji wn sii wai nr`hld}hwdnl hgnuwdl` h

lip huurnhca nb pnrjdl` ot urndgdl` oiwwir sirdcis wn nyr hfyhofi dliswnrs& iqwilgdl` nyr

nywrihca wn knri cnylwrtkil dl fhlg hlg hornhg& dlwrngycdl` lip dliswkilw urngycws hlg

hghlcig pnrjdl` bhcdfdwdis, Wads pnyfg `n h fnl` pht dl oydfgdl` yu hl ylorihjhofi

rifhwdnlsadu pdwa nyr hfyhofi dliswnrs,

http://www.savings.gov.pk/profiledg.pdf



35

Wn hcadii wai honi nomicwdis D pnyfg fnnj bnrphrg nb ahdl` cnnuirhwdnl brnk hff kt

swhbb kikoirs pan hri rilgirdl` cnkkilghofi sirdcis wn wai nr`hld}hwdnl sdlci fnl`, D pnyfg

fdji wn dlwrngyci ibbicwdi wrhdldl` urn`rhks wn ilahlci waidr ibbdcdilct hlg wn urndgi hff wai

unssdofi syuunrw dl wai gdscahr`i nb waidr gywdis,

national saving organization

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