Govt Reduces Profit Rates on All National Savings Schemes

The federal government has revised downwards the rates of profit up to 100 basis points (BPS) on all National Savings Schemes with effect from June 27, 2025. According to data shared by Central Directorate of National Savings (CDNS), the profit rates have been decreased on Bahbood Savings Certificates (BSC), Pensioners’ Benefit Account (PBA), Defence Savings Certificates, Special Savings Certificates, Savings Account, and Shuhada Family Welfare Accounts (SFWA). The rates of return on Sarwa Islamic Saving Account and Sarwa Islamic Term Account have also been decreased. The profit rates have been decreased on Bahbood Savings Certificates (BSC) and Pensioners’ Benefit Account from 13.44 percent to 13.20 percent, from 10.50 percent to 9.50 percent for Savings Account, and from 13.44 percent to 13.20 percent for Shuhada Family Welfare Accounts (SFWA). The rate of return on special savings accounts has dropped from 10.9 percent to 10.6 percent. The rates have been decreased from 10.9 percent to 10.6 percent for Special Savings Certificates (SSC), from 10.34 percent to 9.75 percent for both Sarwa Islamic Savings Account (SISA) and the Sarwa Islamic Term Account (SITA).