ISLAMABAD: The federal government has increased profit rates on several National Savings certificates and accounts, offering higher returns to investors under revised rates that took effect on May 26, 2026.
According to a notification issued by the Central Directorate of National Savings (CDNS), the revised rates apply to various savings instruments and are aimed at making National Savings schemes more attractive for individuals seeking secure investment options.
The increase comes as the government seeks to encourage savings and provide competitive returns in line with prevailing monetary conditions and the State Bank of Pakistan’s policy rate.
Revised profit rates
Under the new rates, Special Savings Certificates and Special Savings Accounts will offer an annual profit rate of 11.6% on the first five profit payments. The final profit payment will be made at a rate of 12.4%.
Profit rates on Short-Term Savings Certificates have also been revised. Investors will receive an annual return of 10.84% on three-month certificates, 10.58% on six-month certificates, and 11.23% on one-year certificates.
Meanwhile, the profit rate on Regular Savings Accounts has been set at 10% per annum.
Effective from May 26
The revised rates became effective on May 26, 2026, according to the National Savings notification.
National Savings products remain among Pakistan’s most widely used government-backed investment instruments, attracting pensioners, salaried individuals, and other savers seeking relatively stable returns on their deposits.
The latest adjustment is expected to increase the appeal of National Savings schemes for both existing and prospective investors.
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