KARACHI – National Savings Division jacked up profit rates on Savings Schemes, increasing rates by upto 70bps.
New Data shared by the directorate revised the profit rate from March 25 and it will remain applicable from now onwards.
New Profit Rates 2025
Sarwa Islamic Term Account (SITA) rates moved up by 70 basis points, to 10.44percent. Defence Savings Certificates (DSC) saw a meagre increase of 1 bps to 12.15%.
| Category | Old Rate | New Rate | Change |
|---|---|---|---|
| Defence Savings Certificates (DSC) | 12.14% | 12.15% | +1 bps |
| Bahbood Savings Certificates (BSC) | 13.58% | 13.68% | +10 bps |
| Sarwa Islamic Term Account (SITA) | 9.74% | 10.44% | +70 bps |
| Short-Term Savings Certificates (STSC) | 10.81% | 10.96% | +15 bps |
| Pensioner Benefit Account (PBA) | 13.58% | 13.68% | +10 bps |
| Shuhada Family Welfare Account (SFWA) | 13.58% | 13.68% | +10 bps |
| Savings Account (SA) | 11.50% | 10.50% | -100 bps |
Short-Term Savings Certificates (STSC) increased by 15 bps to 10.96%, while Bahbood Savings Certificates (BSC), Pensioner Benefit Account (PBA), and Shuhada Family Welfare Account (SFWA) each rose by 10 bps to 13.68%.
Sarwa Islamic Term Account (SITA) saw largest increase of 70 basis points, rising to 10.44%.
Defence Savings Certificates (DSC) also experienced a slight increase of 1 bps, now offering a rate of 12.15%.
These changes reflect the government’s ongoing adjustments to the National Savings Schemes, aimed at providing more favorable options for investors while responding to market dynamics.
