National Savings Schemes see over Rs4bn inflow in December

February 11, 2026 (MLN): Net savings mobilized by National Savings Schemes plunged sharply in December, falling 80.8% month-on-month (MoM) to Rs4.19 billion, compared to Rs21.84 billion in November, according to data released by the State Bank of Pakistan today.

The steep slowdown reflects weakening inflows across major instruments, particularly Defence Savings Certificates (DSC) and Special Savings Certificates (SSC), while gains in Regular Income Certificates (RIC) and Prize Bonds remained modest.

On a monthly basis, total net mobilization declined by Rs17.65 billion, highlighting cooling investor appetite toward government-backed savings products.

Instrument-wise Breakdown (MoM)

• DSC: Net outflow widened to Rs7.80 billion in December from Rs0.71 billion in November.

• RIC: Inflows slowed to Rs2.58 billion from Rs5.27 billion.

• SSC (R): Turned negative at Rs2.40 billion outflow versus Rs0.96 billion inflow in November.

• Prize Bonds: Marginally improved to Rs1.68 billion from Rs1.45 billion.

• Others: Declined to Rs10.13 billion from Rs14.87 billion.

Despite the December slowdown, cumulative mobilization during FY26 (July–December) remains positive at Rs156.11bn, though momentum appears to be tapering toward the end of the calendar year.

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