The federal government has announced revised profit rates for National Savings Schemes (NSS) effective from November 4, according to a notification issued by the Ministry of Finance. The updated rates include both upward and downward adjustments across several saving instruments, reflecting recent shifts in the financial market.
Under the revised structure, Defence Saving Certificates (DSCs) now offer a profit rate of 11.31 percent, down slightly from 11.42 percent. Profit rates for Bahbood Savings Certificates (BSCs), Pensioner Benefit Accounts (PBAs), and Shuhada Family Welfare Accounts (SWFAs) have also been reduced from 12.96 percent to 12.72 percent — though they remain the highest among all schemes.
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In contrast, Regular Income Certificates (RICs) have seen an increase from 10.80 percent to 10.92 percent, while Special Savings Certificates (SSCs) and Special Savings Accounts (SSAs) have been raised to 10.60 percent. Similarly, profit rates on Short-Term Savings Certificates (STSCs) have risen, with the three-month tenure moving from 10.28 percent to 10.44 percent and the one-year tenure from 10.42 percent to 10.64 percent.
Meanwhile, profit rates on Savings Accounts and Sarwa Islamic Savings Accounts (SISA) remain unchanged at 9.50 percent and 9.92 percent, respectively. The one-year Sarwa Islamic Term Account (SITA) also remains steady at 9.92 percent, though the three-year and five-year SITAs have increased to 10.30 percent and 10.56 percent, respectively.
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According to Business Recorder, the adjustments are aimed at balancing returns for small investors, retirees, and families seeking stable, risk-free income options. Financial analysts suggest the move could attract greater individual participation in government-backed savings instruments amid fluctuating market conditions.