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    You are at:Home»News»National Savings New  Profit Rates On Investments
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    National Savings New  Profit Rates On Investments

    Rabia SheikhBy Rabia SheikhJuly 3, 2025No Comments2 Mins Read
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    National Savings New Profit Rates On Investments
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    The Central Directorate of National Savings (CDNS) has announced revised profit rates for its various savings schemes. It is offering different options for individuals who want to grow their money securely over time.

    Among the available options are Special Saving Certificates, Defence Savings Certificates, Regular Income Certificates, Behbood Saving Certificates and the Shuhda Family Welfare Account.

    Top Rates for Widows, Retirees & Martyrs’ Families


    The highest profit rate of 13.20% is being offered on the Shuhda Family Welfare Account, Behbood Saving Certificate and Pensioners Benefit Account. These schemes are specially designed for the welfare of retirees, widows and families of martyrs.

    Rates for Other Investments in National Savings


    Profit rates for some other certificates have been reduced:

    • Defence Savings Certificate now offers 11.76%
    • Regular Income Certificate offers 11.16%

    Islamic Savings Options


    Sarwa Islamic Term Account and Sarwa Islamic Saving Account are offering a return of 9.75% which is a slight drop compared to earlier rates.

    Meanwhile the general savings account rate has been kept unchanged at 9.50%.

    How to Invest in National Savings Schemes


    These savings certificates can be purchased from:

    • Any National Savings Centre
    • Authorized branches of scheduled banks
    • State Bank of Pakistan (directly)

    Even minors can invest in these schemes. They can either open accounts with a guardian or as joint account holders with adults or other minors. In joint accounts either one or all account holders can collect the returns.

    National Savings New Profit Rates Overview

    Investment TypeNew Rate (%)
    Special Saving Certificate10.60–10.90
    Defence Savings Certificate11.76
    Regular Income Certificate11.16
    Saving Account9.50
    Pensioners Benefit Account13.20
    Behbood Saving Certificate13.20
    Shuhda Family Welfare Account13.20
    Sarwa Islamic Term Account9.75
    Sarwa Islamic Saving Account9.75
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    Rabia Sheikh
    • Website

    Rabia Sheikh is a digital media specialist and news writer, focusing on trending topics, social media, and the evolving digital landscape in Pakistan.

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