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 Type | New Rate (%) |
| Special Saving Certificate | 10.60–10.90 |
| Defence Savings Certificate | 11.76 |
| Regular Income Certificate | 11.16 |
| Saving Account | 9.50 |
| Pensioners Benefit Account | 13.20 |
| Behbood Saving Certificate | 13.20 |
| Shuhda Family Welfare Account | 13.20 |
| Sarwa Islamic Term Account | 9.75 |
| Sarwa Islamic Saving Account | 9.75 |
