The Central Directorate of National Savings (CDNS) has announced revised profit rates for various National Savings Schemes (NSS), with new rates effective from April 22, 2025. This adjustment comes in response to a nationwide decline in inflation, influencing the returns on popular savings instruments.
According to the official notification, the profit rate for Regular Income Certificates has been marginally reduced, while Special Savings Certificates and the Special Savings Account have seen moderate increases. Rates for other savings schemes remain unchanged.
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For Regular Income Certificates, the rate has been cut by four basis points, moving from 11.74% to 11.70%. This means investors will now earn Rs970 per month on an investment of Rs100,000, slightly down from Rs974 previously.
Special Savings Certificates have become more rewarding, especially for medium-term investors. The rate for the first five bi-annual profit payments has increased from 11.00% to 11.20%, and for the sixth payment, it has gone up from 11.00% to 11.80%. Investors will receive Rs5,600 for each of the first five bi-annual returns and Rs5,900 for the sixth, on a Rs100,000 investment.
The Special Savings Account has also seen an increase, with its annual return rising from 11.00% to 11.20%, making it a more attractive option for those seeking flexible savings opportunities.
Behbood Savings Certificates remain unchanged at 13.68%, offering the highest return among all NSS options. These certificates continue to provide Rs1,140 per month on a Rs100,000 investment and are exclusively available to widows, pensioners, and senior citizens.
These revised rates reflect the CDNS’s regular review process, aimed at ensuring savings schemes stay competitive in the context of changing economic conditions. The adjustments are aligned with government policies to offer viable savings solutions amid easing inflation.
