Business Desk 
Mar 21, 2025
The federal government has revised the profit rates on National Savings Schemes, changing multiple certificates. While returns on certain schemes have gone up by as much as 70 basis points, the savings account rate has been reduced by 100 basis points.
The Central Directorate of National Savings (CDNS) implemented these changes following the State Bank of Pakistan (SBP) keeping the policy rate stable at 12%. The new profit rates are now operational as per official reports.
National Savings Schemes' new rates
The Short-Term Savings Certificate (STSC) currently provides 10.96%, an increase of 15 basis points from its last 10.81% level. The Defence Savings Certificate (DSC) has also experienced a small rise of 1 basis point, taking its return to 12.15%.
Moreover, the profit rate for the pensioners' benefit account, Bahbood Savings Certificate, and Shuhada Family Welfare Account has increased to 13.68%, a 10 basis point increase.
The return on the Sarwa Islamic Term Account (SITA) and Sarwa Islamic Savings Account (SISA) has increased by 70 basis points to 10.44 from 9.74%.
However, the profit rate of the savings account has fallen substantially, from 11.5% to 10.5%, down by 100 basis points.
These changes have been made by the government to balance national savings yields with economic policies while ensuring financial sector liquidity. Investors and depositors are advised to go through these changes to make informed decisions on their finances.
