Defence Savings certificates latest profit rates – May 2025

The Central Directorate of National Savings (CDNS) offers Defence Savings Certificates (DSCs) for people who want to invest their money long-term and earn good returns. These certificates are ideal for saving over a 10-year period and are available to all Pakistani citizens, including those living abroad.

You can buy a certificate for as little as Rs500, and there’s no upper limit on how much you can invest. Adults can also buy DSCs on behalf of minors, either for one child or two jointly.

To get started, you just need to visit any National Savings Centre (NSC) and fill out a free application form (SC-I).

Profit Rates (As of May 2025)

The current profit rate is 12.15%, which was last updated in March 2025 and is still valid. Here’s what you can earn if you invest Rs100,000 and keep it for 10 years:

• 1st Year: Rs109,000

• 2nd Year: Rs119,000

• 3rd Year: Rs130,000

• 4th Year: Rs143,000

• 5th Year: Rs160,000

• 6th Year: Rs181,000

• 7th Year: Rs206,000

• 8th Year: Rs235,000

• 9th Year: Rs270,000

• 10th Year: Rs314,000

Taxes and Deductions

• Zakat and taxes are deducted from the profit as per State Bank of Pakistan’s rules.

• Withholding tax is 15% for tax filers and 30% for non-filers.

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