The federal government has revised profit rates on various National Savings Schemes, effective from November 4, 2025, according to a notification issued by the Ministry of Finance.

The changes include both upward and downward adjustments across multiple saving instruments.

Key changes in profit rates

The Special Savings Certificate rate has been increased to 11.60%, while the Regular Income Certificate now offers a 10.92% return.
Similarly, the Short-Term Savings Certificates have seen a hike, with the three-month return set at 10.44% and the one-year certificate yielding 10.64%.

However, the Defence Savings Certificate has undergone a reduction in its profit rate. The Bahbood Savings Certificate has also been cut from 13.44% to 12.72%.

The Pensioners’ Benefit Account and the Shuhada Family Welfare Account will now both offer a 12.72% return, reflecting a 0.72% decrease from the previous rate. Meanwhile, the 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 (Islamic) Savings Accounts	9.92 (unchanged)

Shariah-compliant schemes also updated

The Sarwa Islamic Term Account has witnessed an increase in the three-year and five-year categories, while the one-year Sarwa Islamic Account remains steady at 9.92%.

No change has been made to the Sarwa Islamic Savings Account.

Govt’s focus on investor confidence

The Ministry of Finance said the adjustments aim to align returns with prevailing market conditions while encouraging citizens to invest in secure, government-backed schemes.
The revised rates are expected to attract more individual investors, particularly retirees and families seeking stable, risk-free returns.

Investors have been advised to visit their nearest National Savings Centre or consult the official website for detailed information on the updated schemes.