Business Desk 
Nov 05, 2025
In line with market dynamics and economic trends, the Central Directorate of National Savings (CDNS) has updated profit rates on various national savings schemes.
Under the latest profit rates for national savings, profit on Defence Savings Certificates (DSC) has been reduced by 11 basis points to 11.31% per annum for a 10-year tenure. Similarly, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) were dropped by 24 basis points to 12.72% per annum for the same tenure.
On the other hand, the profit on Regular Income Certificates (RIC) was jacked up by 12 basis points to 10.92% per annum for a 5-year tenure, whereas the rates for Special Savings Certificates (SSC) and Special Savings Accounts (SSA) also rose by 20 basis points to offer 10.60% per annum for a 3-year tenure.
Short Term Savings Certificates (STSC) will now yield 10.44% per annum for three months, 10.30% for six months, and 10.64% for twelve months. The profit rate for the Savings Account remains unchanged at 9.50% per annum.
In the Islamic segment, the Sarwa Islamic Savings Account (SISA) now offers 9.92% per annum, while the Sarwa Islamic Term Account (SITA) maintains a rate of 9.92% for one year, with higher profit rates in long-term schemes.
Profit rate for the Premium Prize Bonds has been set at 2.92% per annum.
