CDNS revises profit rates on National Savings Schemes

January 24, 2026 (MLN): The Central Directorate of National Savings (CDNS) has revised profit rates on various savings schemes, effective January 23, 2026, adjusting returns across both conventional and Islamic instruments in line with the prevailing market and monetary conditions.

This marks the second revision in January alone, reflecting the dynamic nature of current economic conditions.

As per the latest update, the profit rate on Defence Savings Certificates (DSC) has been set at 10.44% 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 set at 12.00% per annum, applicable for a 10-year tenure.

Meanwhile, the profit on Regular Income Certificates (RIC) has been set at 9.96% per annum for a 5-year tenure.

The rates for Special Savings Certificates (SSC) and Special Savings Accounts (SSA) now offer 10.40% per annum for a 3-year tenure.

For shorter durations, Short Term Savings Certificates (STSC) will yield 9.64% per annum for three months, 9.58% per annum for six months, and 9.58% per annum for twelve months.

The Savings Account now offers 9.00% per annum on a running account basis.

In the Islamic segment, the Sarwa Islamic Savings Account (SISA) provides a return of 9.96% per annum on a running basis.

The Sarwa Islamic Term Account (SITA) offers 9.96% per annum for one year, 10.20% per annum for three years, and 10.44% 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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