Government Announces Revised Profit Rates on National Savings Schemes

The Central Directorate of National Savings Schemes (CDNS) has recently updated the profit rates across its diverse range of savings programs. These crucial revisions became effective on January 23, 2026, impacting various certificates and accounts. Understanding these changes is vital for investors and savers in Pakistan.

Consequently, individuals holding different types of savings instruments will observe new returns. This article details the specific adjustments made to help you navigate the updated financial landscape.

Understanding the Revised National Savings Schemes Profit Rates

Pakistan’s financial landscape continues to evolve, prompting the CDNS to periodically review and adjust the returns offered on government-backed savings instruments. These adjustments reflect broader economic conditions and governmental financial policies. Furthermore, these changes aim to maintain a balanced and attractive savings environment for citizens.

Key Changes in Savings Certificates

• Defence Savings Certificates (DSC): The profit rate has seen a reduction of 64 basis points, now standing at 10.44 percent.
• Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA): These schemes now offer 12 percent per annum, reflecting a decrease of 48 basis points.
• Regular Income Certificates (RIC): Investors will observe a 60-basis-point decrease, bringing the annual profit rate to 9.96 percent.
• Special Savings Certificates (SSC): This scheme has experienced the largest reduction of 80 basis points, now yielding 9.4 percent per annum.

Updates to Savings Accounts

• Special Savings Accounts (SSA): The profit rate on SSA remains consistent at 10.2 percent, indicating stability for this particular account.
• Sarwa Islamic Term Account (SITA): This account now provides an annual return of 9.96 percent.
• Sarwa Islamic Savings Account (SISA): Similarly, the SISA offers a 9.92 percent return per annum.
• Savings Account: A general savings account now yields 9%.

Summary of National Savings Schemes Profit Rates (Effective Jan 23, 2026)

Staying informed about these adjustments is crucial for maximizing your returns and aligning your financial plans with the latest government policies. Investors are encouraged to review their portfolios and consider the implications of these revised profit rates.