The federal government has reduced profit rates on several National Savings Schemes, lowering returns for regular investors, pensioners, and welfare account holders.
The revised rates came into effect through an official notification issued by National Savings. As a result, investors in multiple savings products will now receive lower profits on their deposits.
The latest revision affects some of the country’s most widely used savings schemes. Therefore, thousands of investors who rely on these certificates for regular income may see a decline in their monthly earnings.
Rs. 100,000 Investment Now Earns Less Than Rs. 1,000 Monthly
The Regular Income Certificate (RIC), which is commonly used by general investors, will now offer a monthly profit rate of 11.52 percent.
Under the revised rate, an investment of Rs. 100,000 will generate a monthly profit of Rs. 960.
Consequently, investors seeking stable monthly income through the scheme will receive less than Rs. 1,000 per month on a Rs. 100,000 investment.
The updated rate reflects the government’s latest revision of returns across selected National Savings products.
New Rates Announced for Welfare and Pension Schemes
The government has also revised returns on welfare-focused savings products.
According to the official notification, the annual profit rate for the Behbood Savings Certificate has been reduced to 12.96 percent.
Similarly, the Pensioners’ Benefit Account will now provide an annual return of 12.96 percent.
In addition, the annual profit rate for the Shuhada Family Welfare Account has also been lowered to 12.96 percent.
These schemes are widely used by pensioners and eligible welfare beneficiaries for long-term savings and regular income.
Special Savings Certificate Rates Revised
The government has also updated returns for the Special Savings Certificate.
Under the revised structure, investors will receive an annualized profit rate of 11.2 percent during the first six months.
However, the annualized return will increase to 12.6 percent during the remaining six months of the investment period.
This revised structure applies under the latest National Savings notification.
Revised Rates Take Immediate Effect
National Savings has confirmed that the updated profit rates apply with immediate effect.
The changes have been introduced through an official notification covering the affected savings schemes.
As a result, investors, pensioners, and welfare account holders should consider the revised returns when planning future investments or calculating expected monthly income.
The latest revision reflects the government’s updated profit rates across selected National Savings products while maintaining the existing structure of the schemes.
