ISLAMABAD – National Savings has revised profit rates for various national savings certificates, accounts and Sarwa Islamic schemes, effective from today October 21, 2026.
The revised rates cover Special Savings Certificates, Defence Savings Certificates, Regular Income Certificates, Behbood Savings Certificates, Pensioners’ Benefit Accounts, Shuhada’s Family Welfare Accounts, Short-Term Savings Certificates and Islamic savings products.
Special Savings Certificates
The Special Savings Certificate and Account offers an annual profit rate of 12% for profit payments numbered one to five, equivalent to Rs6,000 per Rs100,000 every six months.
For the sixth and final profit payment, the rate is 12.8%, providing Rs6,400 per Rs100,000 over six months.
Withholding tax applies at 15% for filers and 30% for non-filers. Zakat deductions of 2.5% are also applicable under the relevant rules.
Defence Savings Certificates
Defence Savings Certificates offer cumulative returns based on the investment period. The listed profit percentages are 10% after one year, 21% after two years, 34% after three years, 49% after four years and 67% after five years.
The cumulative profit percentages increase to 88% after six years, 113% after seven years, 142% after eight years, 176% after nine years and 215% after ten years.
Applicable withholding tax and zakat deductions are subject to the relevant rules.
Regular Income Certificates
The Regular Income Certificate offers a monthly profit of Rs1,010 on an investment of Rs100,000, equivalent to an annual rate of 12.12%.
Withholding tax is applicable at 15% for filers and 30% for non-filers, according to the provided rate information.
Behbood Savings Certificates
Behbood Savings Certificates are available to widows, senior citizens and physically challenged individuals.
The scheme offers a monthly profit of Rs1,080 per Rs100,000 invested, representing an annual rate of 12.96%. The minimum investment is Rs5,000, while the maximum limit is Rs7.5 million.
Pensioners’ Benefit Account
The Pensioners’ Benefit Account is designed for retired government employees. It provides a monthly profit of Rs1,080 per Rs100,000, equivalent to an annual rate of 12.96%.
The minimum investment is Rs10,000, and the maximum investment limit is Rs7.5 million.
Shuhada’s Family Welfare Account
The Shuhada’s Family Welfare Account is available to the families of Shuhadas. The scheme offers a monthly return of Rs1,080 per Rs100,000 invested, with an annual profit rate of 12.96%.
The minimum investment requirement is Rs10,000, while the maximum limit stands at Rs7.5 million.
Short-Term Savings Certificates
The Short-Term Savings Certificates offer different annual profit rates depending on the investment period.
The three-month certificate carries an annual rate of 11.12%, equivalent to Rs2,780 per Rs100,000 for the stated period. The six-month certificate offers 11.50%, providing Rs5,750 per Rs100,000, while the one-year certificate carries a rate of 11.72%, equivalent to Rs11,720 per Rs100,000.
Withholding tax applies at 15% for filers and 30% for non-filers, subject to the applicable rules.
National Savings Account
The regular Savings Account maintains an annual profit rate of 10%, according to the provided details.
Withholding tax and zakat deductions apply under the relevant rules, with the listed withholding tax rates standing at 15% for filers and 30% for non-filers.
Sarwa Islamic Term Account Rates
The Sarwa Islamic Term Account (SITA) offers expected annual profit rates based on the investment tenure and payment schedule.
The one-year option provides an expected annual rate of 11.84%, with Rs11,840 per Rs100,000 payable at maturity.
The three-year option carries an expected annual rate of 12.10%, with biannual profit payments of Rs6,050 per Rs100,000. The five-year option offers an expected annual rate of 12.12%, with monthly payments of Rs1,010 per Rs100,000.
Withholding tax, zakat and service charges apply according to the relevant rules.
Sarwa Islamic Savings Account
The Sarwa Islamic Savings Account (SISA) offers an expected annual profit rate of 11.84%. The listed expected monthly profit payment is Rs973.15 per Rs100,000 invested.
Withholding tax is listed at 15% for filers and 30% for non-filers, while zakat deductions of 2.5% apply under the relevant rules.
