Business Desk 
May 22, 2025
An undated image of the National Savings logo. — National Savings/Canva
The federal government has rolled out the revised profit rates on National Savings Schemes, with returns on certain schemes dipping up to 100 basis points amid easing interest rates.
The Central Directorate of National Savings (CDNS) revised a range of National Savings Schemes after the State Bank of Pakistan (SBP) reduced the policy rate to 11%.
New profit rates on National Savings Schemes
The most impactful cut was seen in the rate of the savings account, which has dropped from 10.5% to 9.5%, losing 100 basis points for the second consecutive session.
The revised profit rates of the Special Saving Certificate decreased 30 basis points to settle at 10.9%, whereas the Defence Savings Certificate lost 21 basis points to 11.91%, The News reported.
Interest rates on other prominent financial certificates have also been revised, with the Regular Income Certificate and the Pensioners Benefit Account registering losses of 18 and 24 basis points, respectively.
Similarly, the Regular Income Certificate now offers 11.52% returns, while the Pensioners Benefit Account provides a yield of 13.44%.
Returns on the Behbood Savings Certificate and the Shuhada Family Welfare Account were identically shed 24 basis points to bring 13.44% in profits.
Profit rates on Islamic products like the Sarwa Islamic Term Account and Sarwa Islamic Saving Account were also diminished by 10 basis points to 10.34%.
As the government has made these changes to align national savings yields with economic stability, investors and depositors are advised to keep up with the changes to make informed decisions.
