CDNS revises profit rates on National Savings Schemes

November 05, 2025 (MLN): The Central Directorate of National Savings (CDNS) has revised profit rates on various savings schemes, effective November 4, 2025, adjusting returns across both conventional and Islamic instruments in line with the prevailing market and monetary conditions.

As per 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 tenure.

Similarly, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have been lowered by 24 basis points to 12.72% per annum, applicable for a 10-year tenure.

Meanwhile, the profit on Regular Income Certificates (RIC) has been increased by 12 basis points to 10.92% per annum for a 5-year tenure.

The rates for Special Savings Certificates (SSC) and Special Savings Accounts (SSA) have also been raised by 20 basis points, now offering 10.60% per annum for a 3-year tenure.

For shorter durations, Short Term Savings Certificates (STSC) will yield 10.44% per annum for three months, 10.30% per annum for six months, and 10.64% per annum for twelve months.

The Savings Account continues to offer 9.50% per annum on a running account basis.

In the Islamic segment, the Sarwa Islamic Savings Account (SISA) provides a return of 9.92% per annum on a running basis.

The Sarwa Islamic Term Account (SITA) offers 9.92% per annum for one year (unchanged from the previous rate), 10.30% per annum for three years, and 10.56% per annum for five years.

Additionally, the Premium Prize Bonds (Registered) carry a return of 2.92% per annum with bi-annual profit distribution.

The revision reflects CDNS’s regular review of profit rates to align returns on national savings schemes with market dynamics, policy rates, and overall economic trends.

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