The interest rates on national savings schemes have been revised and the new rates have been implemented from September 17, 2025.
According to sources, the highest increase has been seen in Sarva Islamic Savings and Term Accounts where the interest rate has been increased by 42 basis points from 11.50 percent to 11.92 percent.
Similarly, there has been a slight increase in Short Term Savings Certificates and this rate has increased from 10.36 percent to 10.42 percent.
However, the interest rate on Defense Savings Certificates has been reduced, and its rate has decreased from 11.54 percent to 11.42 percent.
According to experts, this change may make Islamic investment accounts more attractive, while investors in conventional schemes will need to be cautious.
| Savings Scheme | Previous Rate (%) | New Rate (%) | Change (Basis Points) |
|---|---|---|---|
| Short Term Savings Certificates | 10.36 | 10.42 | +6 |
| Defence Savings Certificates | 11.54 | 11.42 | -12 |
| Sirwah Islamic Savings Accounts | 11.50 | 11.92 | +42 |
| Sirwah Islamic Term Accounts | 11.50 | 11.92 | +42 |
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