Defence Savings Certificates new profit rate – January 2026

ISLAMABAD: The Central Directorate of National Savings has announced a new profit rate for Defence Savings Certificates (DSCs) starting January 2026.

Launched in 1966, DSCs help citizens in Pakistan and abroad save money and earn profits over time. The certificates are available in different amounts, including Rs 500, Rs 1,000, Rs 5,000, Rs 10,000, Rs 50,000, Rs 100,000, Rs 500,000, and Rs 1,000,000, so investors can choose according to their goals and budget.

Who Can Invest

The scheme is open to:

• Adult Pakistani nationals

• Overseas Pakistanis

• People with NICOP or POC

• Minors, either with a guardian or in joint investments with adults or other minors

Joint investments can be made by two adults or an adult and a minor. Payments can be received by either one or both of the named holders.

Where to Buy

Defence Savings Certificates can be purchased from:

• Any National Savings Centre (NSC)

• Authorized branches of scheduled banks

• State Bank of Pakistan (SBP)

New Profit Rates

The Qaumi Bachat Bank has decreased the profit rate to 11.08%. For an investment of Rs 100,000, the profits over 10 years will be:

• Year 1: Rs 109,000

• Year 2: Rs 119,000

• Year 3: Rs 130,000

• Year 4: Rs 143,000

• Year 5: Rs 158,000

• Year 6: Rs 176,000

• Year 7: Rs 197,000

• Year 8: Rs 222,000

• Year 9: Rs 251,000

• Year 10: Rs 286,000

Tax and Zakat

Taxes and Zakat are deducted from profits according to State Bank of Pakistan rules:

• Tax filers: 15% withholding tax

• Non-filers: 35% withholding tax

The revised profit rate ensures that DSCs remain a reliable way for Pakistanis to grow their savings safely over the long term.

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