New profit rates announced for National Savings Schemes – April 2025

The Central Directorate of National Savings has announced updated profit rates for different savings schemes. These new rates officially came into effect on April 22, 2025.

Earlier changes were made in February and March. This latest update follows a noticeable drop in the country’s inflation rate.

Regular Income Certificates

The profit rate on Regular Income Certificates has slightly dropped from 11.74% to 11.70%. Now, if you invest Rs100,000, you’ll earn Rs970 per month.

Special Savings Certificates

Good news for those investing in Special Savings Certificates:

• For the first five 6-month periods (bi-annual), the profit rate is now 11.20%. This means Rs5,600 on an investment of Rs100,000 every six months.
• For the sixth and final payment, the rate increases to 11.80%, or Rs5,900 per Rs100,000 investment.

Behbood Savings Certificates

There is no change in the profit rate for Behbood Savings Certificates. The rate remains at 13.68%, which gives a monthly return of Rs1,140 on Rs100,000 investment.

These certificates were specially launched in 2003 for widows and senior citizens to support them with regular monthly income. They continue to be one of the most popular and beneficial options for this group.

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