ISLAMABAD: The federal government has revised profit rates on several National Savings Schemes, effective November 4, 2025, according to a notification issued by the Ministry of Finance. The move introduces both increases and reductions across different instruments, reflecting efforts to balance investor returns with prevailing economic conditions.
The Special Savings Certificate rate has been raised to 11.60%, while the Regular Income Certificate now offers a 10.92% return. Similarly, Short-Term Savings Certificates have seen an upward revision, with the three-month rate set at 10.44% and the one-year certificate at 10.64%.
In contrast, the Defence Savings Certificate’s profit rate has been reduced, while the Behbood Savings Certificate has been lowered from 13.44% to 12.72%. Pensioners’ Benefit Accounts and Shuhada Family Welfare Accounts will also yield 12.72%, marking a 0.72% drop. The Savings Account rate remains unchanged at 9.50%.
Updated profit rates for November 2025 show Defence Savings Certificates at 11.30%, Regular Income Certificates at 10.92%, Special Savings Certificates at 10.60%, and Short-Term Investment Certificates at 10.44%. Shariah-compliant (Islamic) Savings Accounts continue to offer 9.92%, while Behbood, Pensioner, and Shaheed Family Accounts remain the highest at 12.72%.
The Sarwa Islamic Term Account has also been revised, with higher rates offered in the three-year and five-year categories. However, the one-year Sarwa Islamic Account and Sarwa Islamic Savings Account remain unchanged at 9.92%.
According to the Finance Ministry, these adjustments aim to align profit rates with market conditions and strengthen public trust in secure, government-backed investments. The revised rates are expected to attract more small investors, retirees, and families seeking stable, risk-free income options.
Investors are advised to visit their nearest National Savings Centre or the official website for detailed scheme information and updated profit structures.
