ISLAMABAD, November 15, 2026: Pakistanis investing Rs100,000 in National Savings’ Short-Term Savings Certificates (STSCs) can earn up to Rs11,720 in annual gross profit, while shorter investment periods offer returns of Rs2,780 over three months and Rs5,750 over six months.
The government-backed savings scheme provides investment options for three months, six months and one year, allowing individuals to choose a maturity period based on their financial requirements.
According to the latest reported profit rates, investors purchasing a three-month certificate will receive an annualised return of 11.12 percent. This means an investment of Rs100,000 will generate approximately Rs2,780 in gross profit at maturity.
For a six-month investment, the annualised profit rate stands at 11.50 percent, providing a return of Rs5,750 on Rs100,000.
Investors choosing the one-year certificate can earn Rs11,720 at an annual profit rate of 11.72 percent. This works out to an average of approximately Rs977 per month, although the profit is calculated for the full investment period rather than paid monthly.
Profit on Rs100,000 Investment
| Certificate duration | Annual profit rate | Gross profit at maturity |
|---|---|---|
| 3 months | 11.12% | Rs2,780 |
| 6 months | 11.50% | Rs5,750 |
| 1 year | 11.72% | Rs11,720 |
The actual amount received will be lower after applicable withholding tax deductions.
Who Can Invest in Short-Term Savings Certificates?
The scheme is open to Pakistani citizens and overseas Pakistanis. Certificates can be purchased individually, through joint holdings or on behalf of minors.
National Savings offers certificates in denominations of Rs10,000, Rs50,000, Rs100,000, Rs500,000, Rs1 million, Rs5 million and Rs10 million.
The minimum investment is Rs10,000, while no maximum investment limit has been specified.
Interested investors can obtain the certificates from any National Savings Centre by completing the SC-1 application form, which is available free of charge.
The certificates can also be used as collateral.
Tax Deductions on Savings Profit
Under the reported tax structure, a 15 percent withholding tax applies to profit earned by active taxpayers, while non-filers face a 30 percent deduction.
For example, on a one-year investment of Rs100,000, the gross profit of Rs11,720 would fall to approximately Rs9,962 after a 15 percent withholding tax. For non-filers, the amount would be approximately Rs8,204 after a 30 percent deduction.
Investments in Short-Term Savings Certificates are exempt from Zakat deduction.
Investors should verify the prevailing profit rates and applicable tax deductions with National Savings before making an investment.