Islamabad, July 27, 2025: The federal government has officially updated profit rates on various National Savings Schemes, effective from July 28, 2025, affecting millions of investors across Pakistan.
According to the new notification, the Special Savings Certificates will now offer a reduced annual return of 10.40%, slightly down from the previous 10.60%. This marks a minor but notable shift in returns for medium-term investors.
Meanwhile, the Bahbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts have all seen a downward revision in profit rates—from 13.20% to 12.96%. These accounts, which are primarily aimed at senior citizens, families of martyrs, and pensioners, will now offer slightly less yield compared to earlier.
For long-term investors, the Defence Savings Certificates have undergone a cut in cumulative returns. The 9-year return has dropped from 162% to 161%, while the 10-year return has been revised to 200%, down from 204%.
In addition, the Short-Term Savings Certificates have also seen a reduction in rates, though the exact figures vary depending on the certificate’s tenure.
On the other hand, the regular Savings Account remains unaffected with its rate fixed at 9.50% annually, providing consistent returns for conservative savers.
Interestingly, the government has opted to increase profit rates on Sarwa Islamic Term Accounts and Islamic Savings Accounts, aiming to boost Islamic banking participation. These Shariah-compliant savings instruments have seen improved returns, a move likely to attract more religiously-inclined investors.
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| Scheme Type | Old Rate | New Rate |
|---|---|---|
| Special Savings Certificates | 10.60% | 10.40% |
| Bahbood, Pensioners’, Shuhada Accounts | 13.20% | 12.96% |
| Defence Savings (9 years) | 162% | 161% |
| Defence Savings (10 years) | 204% | 200% |
| Short-Term Savings Certificates | Reduced | Varies |
| Savings Account | 9.50% | 9.50% (unchanged) |
| Islamic Term & Savings Accounts | Increased | Increased |
This revision comes as part of the government’s broader economic adjustments to align with changing monetary policies and inflation trends. Investors are advised to review their portfolios and choose savings schemes accordingly.
