The Central Directorate of National Savings (CDNS) has announced updated profit rates for its suite of national savings schemes, effective November 4, 2025. The move reflects the government’s ongoing efforts to balance investor returns with prevailing economic conditions while maintaining the attractiveness of national savings instruments for both individual and institutional investors.
According to official sources, the profit rate on Defence Savings Certificates (DSC) has been slightly reduced by 11 basis points, now standing at 11.31 percent per annum. This adjustment comes as part of a broader review aimed at optimizing yields across the full range of savings products offered by CDNS.
Meanwhile, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been revised downward by 24 basis points, now offering an annual profit rate of 12.72 percent. These adjustments primarily reflect shifts in the economic environment, including interest rate trends and inflationary pressures, which influence the government’s approach to setting sustainable yields for long-term investors.
On the other hand, some schemes have seen an increase in profit rates. Regular Income Certificates (RIC) now offer 10.92 percent per annum, an increase of 12 basis points, while Special Savings Certificates (SSC) and Special Savings Accounts (SSA) have been raised by 20 basis points each, yielding 10.60 percent per annum. These changes aim to encourage continued participation in these schemes, particularly among investors seeking stable, medium-term income streams.
For investors interested in Shariah-compliant options, the Sarwa Islamic Term Account (SITA) now offers 9.92 percent per annum, up by 42 basis points. The adjustment in SITA returns reflects efforts to remain competitive within the growing Islamic finance market in Pakistan, providing compliant investment avenues with attractive yields.
Financial analysts note that these revisions demonstrate the government’s proactive approach in maintaining a balanced portfolio of national savings schemes that cater to diverse investor needs. While some instruments have seen minor reductions in returns, others have been adjusted upward to sustain appeal amid evolving economic conditions.
CDNS officials have urged investors to review their portfolios in light of the updated profit rates and consider the most suitable schemes based on their financial goals, investment horizon, and risk tolerance. The government continues to position national savings instruments as a reliable, accessible, and secure option for Pakistani investors looking to safeguard capital while earning competitive returns.
The revised rates highlight an ongoing effort to support savings mobilization, promote financial inclusion, and provide investors with a range of options that align with both conventional and Islamic finance principles.
Follow the PakBanker Whatsapp Channel for updates across Pakistan’s banking ecosystem.