ISLAMABAD – The National Savings Centre or Qaumi Bachat Bank offers Short Term Savings Certificates (STSCs) to meet the short term funding needs of the investors.
The maturity period for STSCs stands at 3-months, 6-months and 1-year. The certificates are pledge-able and having 3-month, 6-month and 1-year maturity scheme.
All Pakistani nationals as well as overseas citizens can invest in this scheme. An investor can deposit minimum Rs10,000 in this category while there is no maximum limit.
The Qaumi Bachat recently revise the profit rates on Short Term Savings Certificates whenever needed depending on the economic condition in the country, inflation and other factors.
Short Term Savings Certificates Profit Rate December 2025
The profit rate for three-month maturity has been fixed at 10.28 percent or Rs2,570 on investment of each Rs100,000.
The profit rate for six-month maturity category has been fixed at 10.30% or Rs5,150 while the profit from 12-month maturity has been set at Rs10,420 or 10.42%.
Profit on STSCs on Rs1 Million Investment
If you make an investment of Rs1 million, you can earn Rs25,700 on maturity of three months. If the investment is for the period of six months, the profit would be Rs51,500, as of December 2025.
Similarly, the profit on Rs1 million investment for the period of one year will be Rs104,200.
Tax Deduction on STSC Profit Rate
Investors appearing in Active Taxpayer List will pay 15% in wake of withholding tax on the total profit.
However, the authorities will charge 30% of the yield/profit irrespective of date of investment and amount/profit.
