The federal government has revised the profit rates on several National Savings Schemes, with the new rates coming into effect from November 4, 2025. A notification issued by the Ministry of Finance confirms that some savings instruments will now offer higher returns, while others have seen slight reductions.
According to the update, the Special Savings Certificate will now provide a return of 11.60%, reflecting a noticeable increase. The Regular Income Certificate rate has been adjusted to 10.92%. Short-Term Savings Certificates have also been revised, with the three-month option offering a 10.44% return and the one-year certificate set at 10.64%.
On the other hand, the Defence Savings Certificate has experienced a decrease in its profit rate. The Behbood Savings Certificate, which is popular among retirees and widows, has been reduced from 13.44% to 12.72%. This revised rate will also apply to the Pensioners’ Benefit Account and the Shuhada Family Welfare Account. Despite these changes, the general Savings Account rate remains unchanged at 9.50%.
The new profit structure for November 2025 is as follows:
- Defence Savings Certificates: 11.30%
- Behbood, Pensioner and Shaheed Family Accounts: 12.72%
- Regular Income Certificates: 10.92%
- Special Savings Certificates and Accounts: 10.60%
- Short-Term Investment and Savings Certificates: 10.44%
- Savings Accounts: 9.50%
- Shariah-Compliant (Islamic) Savings Accounts: 9.92%
Shariah-compliant investment options have also been revised. The Sarwa Islamic Term Account has seen an increase in profit rates for its three-year and five-year plans, while the one-year Sarwa Islamic Account remains at 9.92%. The Sarwa Islamic Savings Account has not undergone any change.
The Ministry of Finance stated that these revisions are aligned with current economic conditions and are intended to support investor confidence. The government aims to provide stable, low-risk investment options, especially for pensioners, widows, and families seeking reliable income sources.
Citizens interested in the updated savings schemes can visit their nearest National Savings Centre or check official online sources for further details.
