Profit rate increased on Short-Term Savings certificates – March 2025

The Central Directorate of National Savings (CDNS) has announced an increase in the profit rates for its Short-Term Savings Certificates, which are designed for investors looking for quick returns within a year.

These certificates, introduced back in 2012, offer flexible maturity periods of 3 months, 6 months, and 1 year. They are a great option for both Pakistani citizens and overseas Pakistanis looking for short-term investments. A minimum of Rs10,000 is required to invest, with no upper limit, and the certificates can also be used as collateral (pledged).

Short-Term Savings Certificates Profits Rate – March 2025

The updated rates, which came into effect on March 20, 2025, are:

• 3-month maturity: 11.12% profit (Rs2,780 per Rs100,000 investment)

• 6-month maturity: 11.08% profit (Rs5,540 per Rs100,000 investment)

• 12-month maturity: Rs10,960 profit per Rs100,000 investment

Tax on Profits

If you’re on the Active Taxpayer List, you’ll pay 15% tax on your profit.
However, if you’re not on the list, the tax jumps to 30%, regardless of how much or when you invested.

These changes aim to attract more investors seeking safe and short-term savings options with decent returns.

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