ISLAMABAD – The Central Directorate of National Savings offers Defence Savings Certificates in order to meet the financial needs of long term category investors and provide them with the opportunity to take maximum benefit of their savings.
The directorate recently revised the profit rate in March 2025 it is still applicable in May 2025 without any change.
The Defence Certificates are offered as an option of investment for a period of 10 years to the Pakistani citizens.
All Pakistani nationals as well as overseas Pakistanis are eligible to buy the certificates. An adult can also purchase DSC on behalf of a single minor, two minors jointly or as a joint with a minor.
The certificates can be purchased from any National Savings Centre (NSC) by filling in the SC-I (Application Form) which available free of cost from all the above issuing offices.
A person can invest in this category with minimum Rs500 while there is no maximum limit.
Defence Savings New Profit Rates
The Central Directorate of National Savings (CDNS) has fixed the profit rate to 12.15 percent. Following are the profits that a person can earn on investment Rs100,000 until 10 years maturity:
First Year Rs109,000
Second Year Rs119,000
Third Year Rs130,000
Fourth Year Rs143,000
Fifth Year Rs160,000
Sixth Year Rs181,000
Seventh Year Rs206,000
Eighth Year Rs235,000
Ninth Year Rs270,000
Tenth Year Rs314,000
The taxes and Zakat are deducted on the profits in line with the policy of the State Bank of Pakistan. The withholding tax for filers has been fixed at 15 percent while it is 30 percent for non-fielders.
