ISLAMABAD: The Central Directorate of National Savings (CDNS) has announced revised profit rates for several National Savings Schemes (NSS), effective September 17, 2025.
According to the notification, short-term savings accounts will now earn 10.42 percent annually, up from the previous 10.06 percent. Similarly, the annual profit rate for Sarwa Islamic Saving Accounts and Sarwa Islamic Term Accounts has been increased from 9.50 percent to 9.92 percent.
Conversely, the profit rate on Defence Savings Certificates has been slightly reduced by 12 basis points, bringing it down from 11.54 percent to 11.42 percent. The changes in National Savings profit rates are expected to influence investment decisions, particularly among investors seeking fixed returns.
Officials recommend that customers consult their nearest National Savings Centres or authorised banks for detailed information on updated terms and conditions.
The National Savings Organisation is Pakistan’s largest financial institution, managing assets exceeding Rs3.4 trillion. It serves over 4 million customers nationwide through a network of 376 branches, supervised by 12 Regional Directorates.
The move comes shortly after the State Bank of Pakistan’s Monetary Policy Committee (MPC) decided to maintain the policy rate at 11 percent. Authorities cited the adverse impact of recent floods on the near-term macroeconomic outlook as a key factor for keeping rates unchanged.
Analysts say the updated National Savings rates reflect a balance between supporting investors and aligning with the current economic conditions. The increase in returns for short-term and Islamic savings accounts aims to attract more deposits, while the slight reduction in Defence Savings Certificates aligns with broader fiscal management objectives.
Investors are advised to review their options carefully and consider how the revised National Savings profit rates fit into their overall financial planning.
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