The federal government has announced revised rates for various National Savings Schemes, with the new National Savings profit rates taking effect from November 4, 2025. The Ministry of Finance issued an official notification detailing both increases and decreases across multiple saving instruments.
Key Changes in National Savings Profit Rates
The National Savings profit rate for the Special Savings Certificate has been increased to 11.60%, while the Regular Income Certificate now offers a 10.92% return. Short-Term Savings Certificates have also seen an upward revision, with three-month investments yielding 10.44% and one-year certificates offering 10.64%.
However, not all schemes saw an increase. The Defence Savings Certificate rate has been reduced, and the Bahbood Savings Certificate has dropped from 13.44% to 12.72%. The Pensioners’ Benefit Account and Shuhada Family Welfare Account will now yield 12.72%, marking a 0.72% decrease. Meanwhile, the general Savings Account rate remains unchanged at 9.50%.
Updated Profit Rates for November 2025
| Savings Scheme | Revised Profit Rate (%) |
|---|---|
| Defence Savings Certificates | 11.30 |
| Behbood, Pensioner & Shaheed Family Accounts | 12.72 (highest) |
| Regular Income Certificates | 10.92 |
| Special Savings Certificates & Accounts | 10.60 |
| Short-Term Investment & Savings Certificates | 10.44 |
| Savings Accounts | 9.50 (unchanged) |
| Shariah-Compliant Savings Accounts | 9.92 (unchanged) |
Shariah-Compliant Schemes Also Updated
The Sarwa Islamic Term Account has witnessed increases in its three-year and five-year plans, while the one-year Sarwa Islamic Account remains steady at 9.92%. The Sarwa Islamic Savings Account remains unchanged.
Government’s Objective
The Ministry of Finance stated that the National Savings profit adjustments aim to align returns with market trends and encourage citizens to invest in secure, government-backed savings options. These changes are expected to boost investor confidence and attract more individuals, especially retirees and families seeking stable, risk-free returns.
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Investors are advised to visit their nearest National Savings Centre or check the official website for detailed information on the updated schemes.
