ISLAMABAD – The National Savings Centre or Markaz Qaumi Bachat has significantly reduced the profit rate on Special Savings Certificate in latest revision conducted in May 2025 amid declining inflation in the country.
The Pakistani government introduced the Special Savings Certificates with an aim to cater the needs and demands of small and medium range investors with a unique investment opportunity of bi-annual returns on their investments.
With a tenure of three years, the investment offer is available for the general public. Profit is paid to the investors on the completion of each period of six months.
There is no maximum investment limit in this category as Pakistani citizens can buy the certificates for any amount.
Special Savings Certificates Profit Rate from May 2025
Currently, the profit rate for Special Savings Certificates has been fixed at 10.90 percent for first five bi-annual profits while it will be 11.90% for sixth profit.
Profit No 1 to 5 10.90% per bi-annual or Rs5,450 on investment of Rs100,000 each
Profit No 6 (Last) 11.90% per or Rs5,900 on investment of Rs100,000 each
Tax Deduction
As per the rules, persons appearing in Active Tax Payer List (ATL), rate of withholding tax shall be 15% of the yield/profit irrespective of date of investment and amount/profit.
However, the non-filers will be liable to pay 30% in wake of withholding tax on the profit irrespective of date of investment and amount/profit.
