New Profit Rates on Behbood, Defence & Regular Certificates Announced – July 2025 Update!

The federal government has issued a revised schedule for profit rates on various National Savings Schemes and Sarwa Islamic products, effective from July 28, 2028.

According to the Ministry of Finance, profit rates on Special Savings Certificates, Accounts, and Defence Savings Certificates have been reduced. Similarly, the returns on Regular Income Certificates, Bahbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts have also been decreased.

The updated profit rates are as follows:

Special Savings Certificates / Accounts

• Profit rate for the first five payments is 10.4% per annum (Rs. 5,200 per Rs. 100,000 every six months).

• The last (sixth) payment will yield 11.0% per annum (Rs. 5,500 per Rs. 100,000 every six months).

• Profit is paid bi-annually and subject to deductions:

  • 15% for tax filers

  • 30% for non-filers

  • 2.5% zakat, if applicable

Defence Savings Certificates

• Offers a progressive return structure over 10 years, with a total return of up to 200%.

• Starts at 9% annually in Year 1, increasing each year through Year 10.

Regular Income Certificates

• Provides Rs. 890 per month per Rs. 100,000, equivalent to an annual return of 10.68%.

Bahbood Savings, Pensioners’ Benefit, and Shuhada Family Welfare Accounts

• Return set at Rs. 1,080 monthly per Rs. 100,000, reflecting an annual return of 12.96%.

• These schemes cater to widows, senior citizens, retired government employees, disabled persons, and families of martyrs.

Short-Term Savings Certificates

• 3-Month: 10.32% per annum (Rs. 2,580 per Rs. 100,000)

• 6-Month: 10.20% per annum (Rs. 5,100 per Rs. 100,000)

• 1-Year: 10.14% per annum (Rs. 10,140 per Rs. 100,000)

Savings Account

• Continues to offer a 9.5% annual return, with profits subject to standard tax and zakat deductions.

Sarwa Islamic Term Account (SITA)

• 1-Year: 9.94% per annum (Expected profit: Rs. 9,940)

• 3-Year: 10.30% per annum (Bi-annual payout: Rs. 5,150 per Rs. 100,000)

• 5-Year: 10.80% per annum (Monthly payout: Rs. 900 per Rs. 100,000)

Sarwa Islamic Saving Account (SISA)

• Offers 9.94% per annum, yielding Rs. 828 monthly per Rs. 100,000 investment.

• All Islamic accounts are subject to zakat and service charges in accordance with applicable rules.

Read More: Govt reduces profit rates on National Savings schemes