Islamabad: The Ministry of Finance has officially revised the profit rates on various national savings schemes, including Special Savings Certificates, Defence Certificates, and others. The changes will come into force on July 28, 2025.
As per the latest notification, the annual return on Special Savings Certificates has been reduced slightly, while rates for senior citizen-focused schemes such as the Behbood, Pensioners Benefit, and Shuhada Family Welfare accounts have also been trimmed. However, the savings account rate remains unchanged, and Islamic savings instruments have seen a rise in return.
| Savings Instrument | Previous Rate | Revised Rate |
|---|---|---|
| Special Savings Certificate | 10.60% | 10.40% |
| Behbood, Pensioners & Shuhada Family Accounts | 13.20% | 12.96% |
| Defence Savings Certificate (9 Years) | 162% | 161% |
| Defence Savings Certificate (10th Year) | 204% | 200% |
| Standard Savings Account | Remains at 9.50% | |
| Islamic Term & Savings Accounts | Profit Rate Increased | |
The updated rates are part of the government’s strategy to align public saving schemes with evolving economic indicators and reduce fiscal pressures. Citizens are encouraged to review their investment plans accordingly.
