CDNS raises profit rates across key savings instruments

October 21, 2026 (MLN): The Central Directorate of National Savings (CDNS) has raised profit rates across several key savings instruments effective October 21, 2026, with gains across conventional, welfare and Islamic products.

Under the revised structure, Special Savings Certificates (SSC) and Special Savings Accounts (SSA) saw higher returns. The rate for Profit No. 1 to 5 rose to 12% per annum (Rs6,000 per Rs100,000 every six months), while Profit No. 6 (last) stands at 12.80% (Rs6,400 per Rs100,000 every six months).

Regular Income Certificates (RIC) recorded a gain of 36 basis points to 12.12% per annum (Rs1,010 monthly per Rs100,000), up from 11.76% (Rs980 monthly) on October 01.

Welfare-oriented schemes, including Behbood Savings Certificates (BSC), Pensioners Benefit Account (PBA) and Shuhada Family Welfare Account (SFWA), were raised by 24 basis points to 12.96% per annum (Rs1,080 monthly per Rs100,000), compared with 12.72% (Rs1,060 monthly) on October 01.

Defence Savings Certificates (DSC) saw cumulative profit from 10% in the first year to 215% in the tenth year. The year-wise profit stands at 21% in Year 2, 34% in Year 3, 49% in Year 4, 67% in Year 5, 88% in Year 6, 113% in Year 7, 142% in Year 8 and 176% in Year 9.

Short Term Savings Certificates (STSC) were adjusted across tenors. The 3-month term pays 11.12% per annum (Rs2,780 per Rs100,000), the 6-month term pays 11.50% (Rs5,750 per Rs100,000), and the 1-year term pays 11.72% (Rs11,720 per Rs100,000).

Standard Savings Accounts (SA) remained unchanged at 10.00% per annum.

In Islamic savings instruments, rates on the Sarwa Islamic Term Account (SITA) rose to 12.12% per annum on the 5-year tenor (Rs1,010 monthly per Rs100,000) and 12.10% on the 3-year tenor (Rs6,050 bi-annually), from 11.70% and 11.57% respectively on October 01. The 1-year SITA offers an expected rate of 11.84% (Rs11,840 per Rs100,000 at maturity).

The Sarwa Islamic Savings Account (SISA) rose to 11.84% per annum (Rs973.15 expected monthly payout per Rs100,000).

All profit payments remain subject to 15% withholding tax (WHT) for filers and 30% for non-filers, along with a 2.5% Zakat deduction where applicable.

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