The federal government has reduced profit rates by up to 100 basis points on all National Savings Schemes, with the revised rates taking effect from June 27, 2025.
According to the Central Directorate of National Savings (CDNS), the new rates apply to Bahbood Savings Certificates (BSC), Pensioners’ Benefit Account (PBA), Defence Savings Certificates, Special Savings Certificates, Savings Account, and Shuhada Family Welfare Accounts (SFWA).
Returns on Islamic-based savings options have also been adjusted, including the Sarwa Islamic Saving Account and the Sarwa Islamic Term Account.
Specifically, the profit rate on Bahbood Savings Certificates and Pensioners’ Benefit Account has been cut from 13.44% to 13.20%.
The Savings Account rate has dropped from 10.50% to 9.50%, and Shuhada Family Welfare Accounts also saw a decrease from 13.44% to 13.20%.
Similarly, the Special Savings Certificates (SSC) rate declined from 10.9% to 10.6%, while both the Sarwa Islamic Savings Account (SISA) and Sarwa Islamic Term Account (SITA) were reduced from 10.34% to 9.75%.
These downward revisions are part of the government’s latest adjustment to the profit structure of national saving schemes.