The federal government has officially reduced profit rates on all National Savings Schemes by up to 100 basis points, effective June 27, 2025. The adjustment reflects ongoing efforts to align returns with broader economic indicators and fiscal strategy.
According to the Central Directorate of National Savings (CDNS), this revision affects a wide range of instruments, including Bahbood Savings Certificates (BSC), Pensioners’ Benefit Account (PBA), Defence Savings Certificates, Special Savings Certificates (SSC), Savings Accounts, and Shuhada Family Welfare Accounts (SFWA).
Islamic savings options have also been impacted. The Sarwa Islamic Savings Account (SISA) and Sarwa Islamic Term Account (SITA) now offer reduced returns, with profit rates dropping from 10.34% to 9.75%.
For conventional savings, the return on Special Savings Certificates has been lowered from 10.9% to 10.6%, affecting a significant number of investors relying on government-backed saving tools.
The move is seen as part of a broader economic recalibration to manage fiscal pressure while maintaining balance between public investment incentives and national financial sustainability.
