Alot of Pakistanis invest in Central Directorate of National Savings (CDNS) due to schemes’ safety, stable returns, and variety of products tailored to different needs, including specialized schemes for senior citizens and marginalized groups.
National Savings have long served as primary channel for savings in Asian nation through government securities. With a mammoth portfolio valued at Rs 3.2 trillion, National Savings accounts for about 14 percent of country’s total banking deposits and serves around 30 lac customers.
National Savings Scheme Profit Rates 2024
| S.No | Name of Scheme | w.e.f. 10-04-2023 | w.e.f. 24-03-2024 | Maturity Period | Tax Status |
| 1 | Defence Savings Certificates | 14.87% | 13.36% | 10 Years | Taxable |
| 2 | Special Savings Certificates/Accounts | 17.13% (Average) | 15.93% (Average) | 3 Years | Taxable |
| 3 | Regular Income Certificates | 12.84% | 14.76% | 5 Years | Taxable |
| 4 | Savings Account | 18.50% | 20.50% | Running Account | Taxable |
| 5 | Pensioners’ Benefit Account | 16.56% | 15.60% | 10 Years | Tax exempt |
| 6 | Bahbood Savings Certificates | 16.56% | 15.60% | 10 Years | Tax exempt |
| 7 | Shuhada Family Welfare Account | 16.56% | 15.60% | 10 Years | Tax exempt |
| 8 | National Prize Bonds (Bearer) | 10.00% | 10.00% | Perpetual | Taxable |
| 9 | Premium Prize Bonds (Registered) | 12.92%** | 16.40%* | Perpetual | Taxable |
| 10 | Short Term Savings Certificates (STSC) | ||||
| STSC 3 Months | 19.92% | 19.40% | 3 Months | Taxable | |
| STSC 6 Months | 19.64% | 19.38% | 6 Months | Taxable | |
| STSC 12 Months | 19.82% | 19.00% | 12 Months | Taxable | |
| 11 | SARWA Islamic Savings Schemes | ||||
| SISA | – | 20.50% | Running Account | Taxable | |
| SITA 1 Year | – | 18.54% | 1 Year | Taxable | |
| SITA 3 Year | – | 15.25% | 3 Year | Taxable | |
| SITA 5 Year | – | 14.76% | 5 Year | Taxable |
