Islamabad: New profit rates of National Savings have been announced, which have been made in line with the recent interest rate cut. The government has continued to reduce profits on accounts and certificates and has made significant changes in the rates of various schemes.
Important changes include:
The profit of Special Savings Certificate is now 10.6% after a decrease of 30 basis points.
The profit on Defense Savings Certificate is 11.76% (decrease of 15bps).
The rate of Regular Income Certificate is 11.16% (decrease of 36bps).
Islamic schemes (Sarwah ISA / ISTA) have come down to 9.75% after a decrease of 59bps.
Pensioners Benefit, Behbood and Shuhada Family Welfare Accounts have been reduced by 24bps, the new rate is 13.2%.
Savings account rate maintained at 9.5%.
Effective Date:
These new profit rates are effective from June 27, 2025.
Results and Impact
Implementation: The uniform rate cut mirrors the reduction in interest rates on government bonds and banks.
Impact on investors: Retirees and conservative investors in particular are likely to see lower returns—who may be comparatively attracted to the stock market or other investments.
Latest Profit Rates Table
| Scheme | New Profit Rate (%) | Change in Rate (bps) |
|---|---|---|
| Saving Account | 9.50 | — |
| Special Savings Certificate (SSC) | 10.60 | –30 |
| Defence Savings Certificate (DSC) | 11.76 | –15 |
| Regular Income Certificate (RIC) | 11.16 | –36 |
| Sarwa Islamic Term/ Saving Account | 9.75 | –59 |
| Pensioners Benefit / Behbood / Shuhada Family Welfare | 13.20 | –24 |
