Government Revises Profit Rates on National Savings Schemes for 2026

Understanding the Latest Changes to Pakistan’s Savings Instruments

The Central Directorate of National Savings (CDNS) recently adjusted profit rates across its diverse range of National Savings Schemes, effective from January 23, 2026. This important update impacts various investment avenues, including Defence Savings Certificates and Pensioners Benefit Accounts. Consequently, understanding these revisions is crucial for investors planning their financial future in Pakistan.

Key Revisions Across Popular Investment Certificates

Several popular savings instruments have seen their profit rates revised. For instance, the rate on Defence Savings Certificates (DSC) has decreased by 64 basis points, now standing at 10.44 percent. Similarly, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have all been reduced by 48 basis points, offering a new annual rate of 12 percent.

Furthermore, Regular Income Certificates (RIC) now yield 9.96 percent per annum after a 60-basis-point cut. Special Savings Certificates (SSC) have experienced an 80-basis-point reduction, resulting in a 9.4 percent annual return. In contrast, the Special Savings Account (SSA) profit rate remains unchanged at 10.2 percent, providing stability for its account holders.

Islamic Savings Products and Their New Rates

For those seeking Shariah-compliant investment options, the CDNS has also updated rates for its Islamic schemes. The Sarwa Islamic Term Account (SITA) now offers a profit rate of 9.96 percent per annum. Moreover, the Sarwa Islamic Savings Account (SISA) provides an annual return of 9.92 percent. These adjustments reflect broader economic trends and aim to maintain competitiveness within the market.

Detailed Overview of Revised Profit Rates for National Savings Schemes (Effective January 23, 2026)