The Central Directorate of National Savings (CDNS) has announced a revision in profit rates across various National Savings Schemes, effective November 4, 2025. The move reflects adjustments in line with changing market trends and monetary conditions.
According to the latest update, the profit rate on Defence Savings Certificates (DSC) has been reduced by 11 basis points to 11.31% per annum for a 10-year term. Similarly, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been lowered by 24 basis points, now offering 12.72% per annum.
Meanwhile, some schemes have seen rate increases. The Regular Income Certificates (RIC) profit rate has been raised by 12 basis points to 10.92% per annum for a five-year period. Special Savings Certificates (SSC) and Special Savings Accounts (SSA) also saw a 20 basis point increase, now yielding 10.60% per annum for a three-year tenure.
For investors preferring short-term options, the Short Term Savings Certificates (STSC) will now offer 10.44% per annum for three months, 10.30% for six months, and 10.64% for twelve months. The Savings Account rate remains unchanged at 9.50% per annum on a running basis.
In the Islamic category, the Sarwa Islamic Savings Account (SISA) continues to offer 9.92% per annum. The Sarwa Islamic Term Account (SITA) provides returns of 9.92% for one year, 10.30% for three years, and 10.56% for five years.
Additionally, Premium Prize Bonds (Registered) will yield 2.92% per annum, with profits distributed twice a year.
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The revision in profit rates aims to align the National Savings Schemes with current financial conditions and provide a fair return to investors. These changes highlight the government’s ongoing efforts to balance savings incentives with broader economic stability and fiscal management.
