The Central Directorate of National Savings (CDNS) has revised the profit rates for several National Savings Schemes (NSS), with the new rates taking effect from April 22, 2025.
The adjustment comes amid a notable decline in the inflation rate across the country.
According to an official notification issued by the directorate, the profit rate for Regular Income Certificates has been slightly reduced by four basis points, while Special Savings Certificates and the Special Savings Account have received modest increases. Other savings instruments remain unchanged.
A breakdown of the revised profit rates is as follows:
| Savings Scheme | Previous Rate | Revised Rate | Profit on Rs100,000 Investment |
|---|---|---|---|
| Regular Income Certificates | 11.74% | 11.70% | Rs970 per month |
| Special Savings Certificates | 11.00% (1–5) | 11.20% (1–5) | Rs5,600 (bi-annual, 1–5th) |
| 11.00% (6th) | 11.80% (6th) | Rs5,900 (bi-annual, 6th) | |
| Special Savings Account | 11.00% | 11.20% | — |
| Behbood Savings Certificates | 13.68% | 13.68% (unchanged) | Rs1,140 per month |
The Regular Income Certificates, designed for monthly profit generation, now offer a slightly reduced return. With the revised rate of 11.70%, an investor will earn Rs970 per month on an investment of Rs100,000, compared to Rs974 previously.
Meanwhile, the Special Savings Certificates, which operate on a bi-annual profit distribution model, have become more attractive. The new rate of 11.20% for the first five bi-annual payouts and 11.80% for the sixth enhances medium-term investment appeal, especially for those seeking scheduled returns over three years.
No changes were made to the Behbood Savings Certificates, which continue to offer the highest return among NSS instruments. Reserved for widows, pensioners, and senior citizens, these certificates were launched in 2003 to provide financial relief to vulnerable segments. The scheme maintains its 13.68% profit rate, ensuring a monthly return of Rs1,140 on an investment of Rs100,000.
The Special Savings Account, another short-to-medium-term option, has also witnessed an upward revision by 20 basis points, now offering 11.20% annual return.
These adjustments are part of the CDNS’s periodic review of returns in response to market trends and economic indicators. The changes aim to provide competitive savings options while aligning with the government’s broader fiscal strategy in a declining inflation environment.
