Govt Revises Profit Rates Across National Savings Schemes

The Central Directorate of National Savings (CDNS) has revised profit rates across its range of savings schemes, effective November 4, 2025. According to the latest update, the profit rate on Defence Savings Certificates (DSC) has been reduced by 11 basis points to 11.31 percent. Returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been lowered by 24 basis points, now offering 12.72 percent per annum. The profit rate on Regular Income Certificates (RIC) has been increased by 12 basis points to 10.92 percent per annum. Profit rates on Special Savings Certificates (SSC) and Special Savings Accounts (SSA) have been increased by 20 basis points each, now yielding 10.60% per annum. The Sarwa Islamic Term Account (SITA) now offers 9.92 percent per annum, up by 42 basis points.