Government announce new profit rates on National Saving scheme-effective November 2025
The federal government has announced new profit rates for various National Savings Schemes (NSS), effective from November 4. The Ministry of Finance issued a notification stating that some schemes will now offer higher returns, while others have seen a slight decrease.
Higher Returns for Key Schemes:
- Several popular savings options will now provide better profit rates.
- The Special Savings Certificate profit rate has increased to 11.60%.
- The Regular Income Certificate will now offer 10.92%.
Short-Term Savings Certificates also saw an increase — the three-month rate is now 10.44%, while the one-year rate stands at 10.64%.
In Islamic finance, the Sarwa Islamic Term Account has higher returns for its three- and five-year categories.
Reduced Rates for Some Schemes:
- A few schemes, mainly designed for specific groups, have lower returns now.
- The Behbood Savings Certificate, popular among widows and senior citizens, has been reduced from 13.44% to 12.72%.
- The Defence Savings Certificate also faced a rate cut.
- The Shuhada Family Welfare Account profit rate dropped by 0.72%.
No Change in Some Accounts:
- Certain savings options remain unchanged.
- The Savings Account rate stays at 9.50%.
- The one-year Sarwa Islamic Account continues at 9.92%.
- The Sarwa Islamic Savings Account also remains the same.
The Pensioners’ Benefit Account now offers 12.72%, matching the new Behbood rate.
With these updates now in effect, investors are encouraged to review their savings plans and see how the new profit rates will impact their overall returns.
The National Savings Organization stands as Pakistan’s largest financial institution, managing a portfolio of over Rs. 3.4 trillion and serving more than 4 million customers across the country. It operates through a wide network of 376 branches, overseen by 12 Regional Directorates.
As a leading public sector financial body, National Savings has played a key role in promoting a culture of saving among Pakistanis while helping the government generate funds to meet budget needs and finance major infrastructure projects.
With a proud legacy of over 140 years, the organization traces its origins to the Government Savings Bank Act of 1873. It was originally used by the British government to raise funds during World Wars I and II. Later, the National Savings Bureau (NSB) was set up in 1943-44 to formalize savings efforts — a role it has continued since Pakistan’s independence in 1947.
