ISLAMABAD: The government has increased profit rates on several National Savings schemes by up to 110 basis points, offering higher returns to investors holding savings certificates and income-based investment products.
According to the revised rates announced on Wednesday, October 21, 2026, the increases range from 26 to 110 basis points across different schemes, including Special Savings Certificates, Regular Income Certificates and Behbood Savings Certificates.
The largest increase was recorded in Special Savings Certificates, where the profit rate rose by 110 basis points to 12 percent annually.
Regular Income Certificates, which are designed to provide periodic income to investors, saw their annual profit rate increase by 96 basis points to 12.12 percent.
The rate on Behbood Savings Certificates increased by 36 basis points to 12.96 percent, while the Sarwa Islamic Savings Account rate rose by 59 basis points to 11.84 percent.
Profit rates on Short Term Savings Certificates were also revised. The three-month certificate rate increased by 26 basis points to 11.12 percent, while the six-month certificate rate rose by 64 basis points to 11.50 percent.
The annual profit rate on one-year Short Term Savings Certificates increased by 44 basis points to 11.72 percent.
Revised National Savings profit rates – October 21, 2026
| Savings scheme | Revised annual rate | Increase |
|---|---|---|
| Special Savings Certificates | 12.00% | 110 bps |
| Regular Income Certificates | 12.12% | 96 bps |
| Behbood Savings Certificates | 12.96% | 36 bps |
| Sarwa Islamic Savings Account | 11.84% | 59 bps |
| Short Term Certificate – 3 months | 11.12% | 26 bps |
| Short Term Certificate – 6 months | 11.50% | 64 bps |
| Short Term Certificate – 1 year | 11.72% | 44 bps |
How much monthly profit can investors earn?
At the revised annual rate of 12.12 percent, an investment of Rs100,000 in Regular Income Certificates would generate approximately Rs1,010 per month before applicable taxes.
Similarly, an investment of Rs500,000 would provide around Rs5,050 monthly, while Rs1 million would generate approximately Rs10,100 per month.
| Investment | Estimated monthly profit at 12.12% |
|---|---|
| Rs100,000 | Rs1,010 |
| Rs200,000 | Rs2,020 |
| Rs500,000 | Rs5,050 |
| Rs1,000,000 | Rs10,100 |
| Rs2,000,000 | Rs20,200 |
These calculations are based on the stated annual profit rate for Regular Income Certificates and represent estimated gross monthly returns. Actual payments may vary according to applicable taxes and scheme rules.
The revised rates are intended to encourage savings and provide improved returns to investors, particularly those seeking income from government-backed savings instruments.
Investors should confirm the applicable rates, eligibility conditions and payment schedules with National Savings before making investment decisions.