National Savings new profit rate for Defence Certificates after cut in May 25

KARACHI – May 2025: The Central Directorate of National Savings (CDNS) has officially reduced the profit rates for Defence Savings Certificates and several other national saving schemes.

This decision follows a recent cut in the policy rate by the State Bank of Pakistan, which has led to a general decline in investment yields.

New Profit Rates for Defence Savings Certificates

The profit rate for Defence Savings Certificates (DSC), which offer a 10-year investment plan, has now been reduced to 11.91%, compared to the previous 12.12%.

These certificates are open to:

• All Pakistani citizens

• Overseas Pakistanis

• Individuals investing on behalf of minors

Certificates can be purchased at any National Savings Centre (NSC) with a minimum investment of Rs. 500 and no upper limit.

Sample Return on Rs100,000 Investment Over 10 Years:

Note: Taxes and Zakat are deducted from the profit as per the State Bank of Pakistan’s policy. The withholding tax is 15% for tax filers and 30% for non-filers.

Other Savings Schemes Also Affected

CDNS has also reduced rates for the following certificates:

• Behbood Savings Certificates

• Regular Income Certificates

• Special Savings Certificates

Additionally, the profit on accounts like:

• Pensioners’ Benefit Account

• Shuhada Family Welfare Account

• Sarwa Islamic Term Account

• Sarwa Islamic Saving Account has been slashed as well.