Pakistan raises National Savings profit rates from October 21

Pakistan has increased profit rates on several National Savings schemes from October 21, 2026, raising returns for investors using government-backed savings products.

The profit rate on Special Savings Certificates has increased from 11.6% to 12%, while the rate on Regular Income Certificates has risen from 11.76% to 12.12%.

The rates on Behbood Savings Certificates, Pensioners’ Benefit Accounts and Shuhada Family Welfare Accounts have also increased from 12.72% to 12.96%.

However, the profit rate on regular Savings Accounts remains unchanged at 10%.

Which National Savings schemes offer higher returns?

The government has revised rates across several certificates and accounts, including long-term Defence Savings Certificates and short-term savings products.

The cumulative profit rates on Defence Savings Certificates have been raised across different maturity periods. The rate for six-year certificates has increased from 86% to 88%, while the rate for seven-year certificates has risen from 109% to 113%.

For eight-year certificates, the rate has increased from 136% to 142%. The rate for nine-year certificates has risen from 168% to 176%, while the rate for 10-year certificates has increased from 205% to 215%.

The profit rate on Sarwa Islamic Term Accounts has increased from 11.33% to 11.84%, while the rate on Short-Term Savings Certificates has risen from 10.80% to 11.12%.

Savings account rate remains unchanged

Despite the increases across several National Savings products, the rate on regular Savings Accounts remains at 10%.

The revised rates provide higher stated returns on several savings products, although the amount an investor earns depends on the scheme, investment amount, maturity period and applicable deductions.

Investors should check the latest rates and terms with the Central Directorate of National Savings before investing, as profit rates can change.