ISLAMABAD – The Central Directorate of National Savings has revised the profit rate for Defence Savings Certificates (DSCs) with effect from January 2026.
Originally launched in 1966, the Defence Certificates scheme is specifically designed to help citizens—both in Pakistan and abroad—make the most of their savings over time.
The certificates are available in a wide range of denominations to suit various financial capacities, including Rs500, Rs1,000, Rs5,000, Rs10,000, Rs50,000, Rs100,000, Rs500,000, and Rs1,000,000.
The investors can start with a small amount or make large investment based on their goals and resources.
The scheme is open to adult Pakistani nationals, overseas Pakistanis, those holding valid NICOP or POC and minors, either independently with a guardian or in joint investments with adults or other minors.
Joint investments can be made by two adults or by an adult and a minor. Payments from the certificates can be received jointly or by any one of the named holders.
Where to Buy It
Defence Savings Certificates can be purchased through any National Savings Centre (NSC), authorized branches of scheduled banks and the State Bank of Pakistan (SBP).
Defence Savings New Profit Rates
The Qaumi Bachat Bank has decreased the profit rate to 11.08 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 Rs158,000
Sixth Year Rs176,000
Seventh Year Rs197,000
Eighth Year Rs222,000
Ninth Year Rs251,000
Tenth Year Rs286,000
Taxation on Profit
In accordance with the State Bank of Pakistan’s policy, taxes and Zakat are deducted from profits. For individuals who file their taxes, the withholding tax rate is set at 15%, whereas for non-filers, it stands at 35%.
