The Central Directorate of National Savings (CDNS) has reduced profit rates on several National Savings Schemes (NSS), with the new rates taking effect from July 28, 2025. This revision impacts popular savings products like Regular Income Certificates, Short Term Savings Certificates, and Special Savings Accounts.
The return on Regular Income Certificates has dropped to 10.68%, showing a 48 basis points decrease from the earlier 11.16%. Meanwhile, Short Term Savings Certificates now offer 10.14%, which is 26 basis points lower than the previous 10.40% rate.
Similarly, the Behbood Savings Certificate rate has been revised to 12.96%, falling from the previous 13.20%. The same rate change applies to Pensioners Benefit Accounts and Shuhada Family Welfare Accounts, each now offering 12.96% instead of 13.20%.
The Special Savings Certificates and Special Savings Accounts now both offer 10.40%, reduced from 10.60%. This marks a 20 basis points cut in both these categories, further tightening returns for investors.
Defence Savings Certificates are now set at 11.61%, a slight drop from the earlier 11.76%. The Serwa Islamic Saving Account and Term Account have also been adjusted to 9.94%, marking a 19 basis points decrease from 10.13%.
These new profit rates will only apply to investments made on or after July 28, 2025. Investors are advised to review the revised figures before planning any new deposits under these schemes.