Special Savings Certificates profit rates announced – July 2025
Web Desk
11 July, 2025 19:17
Special Savings Certificates profit rates announced – July 2025
The Central Directorate of National Savings has reduced the profit rates on Special Savings Certificates starting from July 2025. This change comes as inflation in the country shows a downward trend.
Special Savings Certificates are a safe investment option for small and medium investors. They offer fixed returns every six months and have a maturity period of three years. These certificates are open to all Pakistani citizens, and there is no maximum limit on how much you can invest.
According to the latest update, the new profit rate is 10.60% for each of the first five payments, which means you’ll get Rs. 5,300 on every Rs. 100,000 investment every six months. The final (sixth) payment comes with a slightly higher rate of 11.60%, giving Rs. 5,800 on Rs. 100,000.
Withholding Tax
As per current tax rules:
-
Tax filers (ATL) will pay 15% withholding tax on their profits.
-
Non-filers will be charged a 30% withholding tax.
This adjustment is part of the government’s efforts to balance returns with the current economic conditions while still providing a secure investment for the public.
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