Government Revises National Savings Profit Rates
The Government of Pakistan has announced revised profit rates for several National Savings Schemes and Sarwa Islamic schemes, effective May 26, 2026. The updated rates provide improved returns for investors in selected savings products while keeping the profit rates of several popular schemes unchanged.
The revised rates are aimed at offering competitive returns to savers and encouraging investment in government-backed savings instruments.
New Profit Rates for National Savings Schemes
According to the latest notification issued by the National Savings Department, the following revised annual profit rates will apply:
Scheme
Revised Annual Profit Rate
Special Savings Certificate/Account (First 5 Profit Payouts) 11.60%
Special Savings Certificate/Account (Final Profit Payout) 12.40%
Short Term Savings Certificate (3 Months) 10.84%
Short Term Savings Certificate (6 Months) 10.58%
Short Term Savings Certificate (1 Year) 11.23%
Savings Account 10.00%
The revised rates will be applicable from May 26, 2026.
Profit Rates That Remain Unchanged
The government has decided to maintain the existing 12% annual profit rate for the following savings products:
Defence Savings Certificates
Bahbood Savings Certificates
Pensioners’ Benefit Account
Shuhada Family Welfare Account
These schemes continue to offer stable returns, particularly benefiting retirees, widows, pensioners, and the families of martyrs.