How much profit Can You earn from saving schemes now? Read details as National Savings changes Profit Rates

The Central Directorate of National Savings (CDNS) has revised profit rates for a range of investment schemes, aiming to provide secure and consistent returns to individuals seeking to grow their savings.

Among the various instruments offered are the Special Saving Certificate, Defence Savings Certificate, Regular Income Certificate, Behbood Saving Certificate, Pensioners Benefit Account, and the Shuhda Family Welfare Account.

Currently, the highest returns—13.20%—are being offered on the Shuhda Family Welfare Account, Behbood Saving Certificate, and Pensioners Benefit Account. These schemes are specifically designed to support widows, pensioners, and families of martyrs, providing them with steady income.

However, rates for several schemes have been revised downward. The Defence Savings Certificate now offers an annual return of 11.76%, while the Regular Income Certificate yields 11.16%. Special Saving Certificates offer a return between 10.60% and 10.90%, depending on the tenure.

Islamic investment options have also seen a drop, with Sarwa Islamic Term Accounts and Sarwa Islamic Saving Accounts now offering 9.75%. The general savings account rate remains unchanged at 9.50%.

Investors can purchase these savings instruments through National Savings Centres, authorised branches of scheduled banks, or directly from the State Bank of Pakistan. Minors are also eligible to invest, either independently with a guardian’s consent or through joint accounts with adults or other minors. In joint holdings, either or both named individuals can collect the maturity payments.

These revised rates reflect a broader trend of declining returns across most National Savings schemes, highlighting the importance for investors to review their portfolios accordingly.

Updated Profit Rates Summary: