Higher Returns Announced for Major Investment Products
The government has revised profit rates on several National Savings schemes, increasing returns for investors under a new structure that takes effect from June 10, 2026. The changes were announced through an official notification issued on Tuesday.
Under the revised rates, Special Savings Certificates will now offer an annual return of 13.6 percent, up from the previous 12.4 percent. As a result, an investor placing Rs100,000 in the scheme will receive Rs6,200 in profit during the first six months and Rs6,800 during the second half of the year.
Meanwhile, Defence Savings Certificates will continue to provide increasing returns over the investment period. The profit rate will begin at 10 percent in the first year and gradually rise, with cumulative returns reaching as much as 67 percent by the fifth year, according to the notification.
The government also increased the annual profit rate on Regular Income Certificates to 12.24 percent, further enhancing the appeal of long-term savings instruments.
Welfare Schemes and Short-Term Investments Also Benefit
In addition, welfare-oriented products have received revised returns. Behbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts will now offer a fixed annual return of 13.20 percent.
Short-term investment instruments have also seen upward adjustments. Three-month certificates will provide a profit rate of 11.4 percent, while six-month and one-year certificates will offer returns of 11.66 percent and 11.77 percent, respectively.
However, the profit rate on ordinary savings accounts remains unchanged at 10 percent.
The notification also reiterated existing tax regulations. Profit earned on National Savings schemes will continue to face a 15 percent withholding tax for filers and 30 percent for non-filers, reinforcing the government’s policy of encouraging tax compliance.
Furthermore, authorities confirmed increases in profit rates for Islamic savings and term accounts, although detailed figures were not disclosed.
The revised structure is expected to offer improved returns for savers and investors while aligning National Savings products with evolving market conditions and monetary policy trends.
