Central Directorate of National Savings (CDNS), Government of Pakistan, has updated the rates of profit on its savings schemes and Sarwa Islamic Accounts. The new rates, which came into effect as from June 27, 2025, are designed to provide improved yields to savers from all segments of income and society, such as widows, pensioners, and Shuhada families.
Following is a comprehensive analysis of the new rate of profit and details of each savings scheme.
Special Savings Certificate / Account
Profit Rate:
Years 1 to 5: 10.6% per annum
6th and Last Year: 11.6% per annum
Profit Payment: Half Yearly
Profit Example:
Rs.5,300 for each Rs.100,000 for 6 months (Years 1–5)
Rs.5,800 for each Rs.100,000 for 6 months (Year 6)
Deductions: Withholding tax (Filer: 15% / Non-Filer: 35%) and Zakat (2.5%) according to rules
Defence Savings Certificate
This long-term investment offers cumulative profits each year.
| Year | Profit (%) | Year | Profit (%) |
|---|---|---|---|
| 01 | 09% | 06 | 77% |
| 02 | 19% | 07 | 100% |
| 03 | 30% | 08 | 128% |
| 04 | 43% | 09 | 162% |
| 05 | 58% | 10 | 204% |
Deductions: Withholding tax (Filer 15% / Non-Filer 35%) and Zakat (2.5%)
Regular Income Certificate
Profit Rate: 11.16% per annum
Monthly Profit: Rs.930 per Rs.100,000
Deductions: Withholding tax and Zakat as applicable
Behbood Savings Certificate
Eligibility: Only for Widows, Senior Citizens, and Physically Challenged Persons
Profit Rate: 13.20% per annum
Monthly Profit: Rs.1,100 per Rs.100,000
Investment Limit: Minimum Rs.5,000 – Maximum Rs.7,500,000
Pensioner’s Benefit Account
Eligibility: Retired Government Employees
Profit Rate: 13.20% per annum
Monthly Profit: Rs.1,100 per Rs.100,000
Investment Limit: Minimum Rs.10,000 – Maximum Rs.7,500,000
Shuhadas Family Welfare Account
Eligibility: Martyrs’ (Shuhada) Families
Profit Rate: 13.20% annually
Monthly Profit: Rs.1,100 per Rs.100,000
Investment Limit: Minimum Rs.10,000 – Maximum Rs.7,500,000
Short-Term Savings Certificates
These offer higher short-term returns
| Duration | Profit Rate (%) | Profit per Rs.100,000 |
|---|---|---|
| 3 Months | 10.36% p.a. | Rs.2,590 |
| 6 Months | 10.38% p.a. | Rs.5,190 |
| 1 Year | 10.40% p.a. | Rs.10,400 |
Deductions: Withholding tax and Zakat as per standard rates
Savings Account (No Change)
- Profit Rate: 9.50% per annum
- Deductions: Withholding tax (Filer 15% / Non-Filer 35%) and Zakat (2.5%)
Sarwa Islamic Term Account – SITA
Shariah-compliant profit-sharing model:
| Term | Expected Profit Rate | Annual Expected Profit |
|---|---|---|
| 1 Year | 9.75% | Rs.9,750 per Rs.100,000 |
| 3 Years | 10.30% (Bi-Annual) | Rs.5,150 per Rs.100,000 |
| 5 Years | 10.32% (Monthly) | Rs.860 per Rs.100,000 |
Deductions: Tax and Zakat as applicable
Service Charges: As per rules
Sarwa Islamic Saving Account – SISA
Profit Rate: 9.75% per annum
Monthly Expected Profit: Rs.812 per Rs.100,000
Deductions: Withholding tax and Zakat as per rules
