The National Savings Pakistan has announced revisions in profit rates across several savings schemes, with the changes set to take effect from January 5, 2026.
According to the latest notification, returns on some popular savings instruments have been reduced, while a few schemes now offer improved returns, reflecting adjustments based on current economic conditions and market trends.
Reduced Profit Rates
The profit rate on Defence Savings Certificates (DSC) has been cut by 23 basis points, bringing the new annual return down to 11.08 percent.
Similarly, profit rates on Behbood Savings Certificates, Pensioners’ Benefit Account, and Shuhada Family Welfare Account have been reduced by 24 basis points, with the revised return now set at 12.48 percent per annum. These schemes are widely used by retirees and fixed-income households, making the adjustment particularly significant.
Higher Returns on Selected Schemes
On the positive side, investors in Regular Income Certificates (RIC) will receive a 36 basis point increase, taking the new profit rate to 10.56 percent annually.
In addition, Special Savings Certificates and Special Savings Accounts have seen a 40 basis point increase, with both now offering an annual return of 11 percent.
Changes in Islamic Savings Schemes
Profit rates for Islamic savings products have also been revised. The Sarwa Islamic Term Account (one-year) and Sarwa Islamic Savings Account will now offer 9.96 percent annually. Meanwhile, the three-year Sarwa Islamic Term Account has been set at 10.2 percent, and the five-year term will provide 10.44 percent annual profit.
Reason for the Revision
National Savings officials stated that the changes were made after reviewing overall economic conditions and prevailing market trends, with the aim of offering balanced and sustainable returns to investors.
Investors are advised to review the updated rates carefully and assess their investment plans accordingly.
