Islamabad, July 2, 2025: In a significant move affecting millions of investors, the federal government has reduced profit rates on all National Savings Schemes by up to 100 basis points, effective June 27, 2025. The downward revision comes amid changing financial market conditions and a broader effort to manage fiscal returns on investment tools.
According to the Central Directorate of National Savings (CDNS), the revised rates impact several popular instruments, including Bahbood Savings Certificates (BSC), Pensioners’ Benefit Account (PBA), Defence Savings Certificates, Special Savings Certificates (SSC), and Savings Accounts.
The rate for Bahbood Savings Certificates and Pensioners’ Benefit Account has been cut from 13.44% to 13.20%. Similarly, Shuhada Family Welfare Accounts (SFWA) now offer 13.20%, down from 13.44%. Meanwhile, the profit on general Savings Accounts has dropped sharply from 10.50% to 9.50%.
The Special Savings Certificates (SSC) see a dip from 10.9% to 10.6%. The downward adjustment also extends to Islamic products, with both the Sarwa Islamic Savings Account (SISA) and Sarwa Islamic Term Account (SITA) declining from 10.34% to 9.75%.
The government has not issued a formal statement on the reason behind the reduction, but financial analysts believe the decision reflects a response to macroeconomic adjustments and anticipated interest rate trends.
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This cut in National Savings Schemes profit rates may impact retired individuals, widows, and low-risk investors who heavily rely on these returns for stable income.
