Pakistan Cuts Profit Rates on National Savings Certificates – Effective July 28, 2025
Islamabad: The Ministry of Finance has reduced the profit rates on several national savings instruments including Special Savings Certificates, Defence Savings Certificates, and Regular Income Certificates. The new rates will be effective from July 28, 2025.
According to the official notification, the changes also impact Behbood Savings, Pensioners Benefit, and Shuhada Family Welfare Accounts. The profit on Short-Term Savings Certificates has been cut, while the rate for standard Savings Accounts remains at 9.50%. Islamic accounts such as Sarwa Islamic Term Account and Islamic Savings Account have seen an increase in rates.
| Instrument | Previous Rate | New Rate |
|---|---|---|
| Special Savings Certificate (Annual) | 10.60% | 10.40% |
| Behbood / Pensioners / Shuhada Family Accounts | 13.20% | 12.96% |
| Defence Savings Certificate (9 Years) | 162% | 161% |
| Defence Savings Certificate (10th Year) | 204% | 200% |
| Savings Account | Remains at 9.50% | |
| Sarwa Islamic Term Account / Islamic Savings Account | Profit Rate Increased | |
The revised profit rates are aligned with the government’s broader fiscal and monetary policy to balance savings returns with economic conditions.
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