Islamabad: The Central Directorate of National Savings (CDNS) has revised the profit rates of various savings schemes, effective from September 17, 2025.
As per the new rates, the profit on Defence Savings Certificates has been reduced by 12 basis points, after which the rate has come down from 11.54 percent to 11.42 percent.
On the other hand, the rate of Short Term Savings Certificates has been increased by 6 basis points and has reached 10.42 percent.
While the biggest increase has been in Islamic savings and term accounts where the rate has been increased from 11.50 percent to 11.92 percent, an increase of 42 basis points.
Economic analysts say that this decision is part of the government’s fiscal strategy and is expected to further increase the demand for Islamic investment products.
| Savings Scheme | Previous Rate (%) | New Rate (%) | Change (Basis Points) |
|---|---|---|---|
| Short Term Savings Certificates | 10.36 | 10.42 | +6 |
| Defence Savings Certificates | 11.54 | 11.42 | -12 |
| Sirwah Islamic Savings Accounts | 11.50 | 11.92 | +42 |
| Sirwah Islamic Term Accounts | 11.50 | 11.92 | +42 |
