ISLAMABAD – Bad News for Savers as National Savings slashed National Savings Returns by upto 100BPS after changes in policy rate by central bank.
Directorate of National Savings announced major downward revision in profit rates across multiple National Savings Schemes (NSS and revised rates take effect from May 2025.
Savings Account saw sharp reduction of 100 basis points, bringing the rate down from 10.5% to 9.5%. This marks one of the steepest single-period declines in recent years for this widely-used savings instrument.
National Savings New Rates May 2025
| Investment Type | Old Rate | New Rate | Change (bps) |
| Special Saving Certificate | 10.90% | 11.20% | -30 |
| Defence Savings Certificate | 11.91% | 12.12% | -21 |
| Regular Income Certificate | 11.52% | 11.70% | -18 |
| Saving Account Rate | 9.50% | 10.50% | -100 |
| Pensioners Benefit Account | 11.44% | 13.68% | -224 |
| Behbood Saving Certificate | 13.44% | 13.68% | -24 |
| Shuhda Family Welfare Account | 13.44% | 13.68% | -24 |
| Sarwa Islamic Term Account | 10.34% | 10.44% | -10 |
| Sarwa Islamic Saving Account | 10.34% | 10.44% | -10 |
Savings Account has been decreased by 100 bps to 9.50pc, Special Savings Certificates (SSC) down by 30 bps to 10.90pc, Regular Income Certificates (RIC) reduced by 18 bps to 11.52pc.
Defence Savings Certificates (DSC) moved down by 21 bps to 11.91pc Bahbood Savings Certificates (BSC), Pensioner Benefit Account (PBA), and Shuhada Family Welfare Account (SFWA) each dropped by 24 bps to 13.44 percent.
National Savings announces new profit rates from April 2025 [Qaumi Bachat rates]
