ISLAMABAD: The Central Directorate of National Savings established a competitive profit rate for Defense Savings Certificates in May 2025.
This rate, which was revised in March 2025, will remain unchanged in May 2025. These certificates provide a 10-year investment opportunity and target Pakistani nationals, including those who reside overseas.
Adults can purchase Defence Savings Certificates on behalf of one or two minors, or in conjunction with a minor, and both Pakistani citizens and Pakistanis living abroad are eligible to invest.
To make a purchase, people can go to any National Savings Center (NSC) and complete the SC-I Application Form, which is free. There is no upper limit to the minimum investment, which starts at Rs 500.
For March 2025 and beyond, the Qaumi Bachat maintained the Defence Savings Certificates profit rate at 12.15 percent. Until the subsequent adjustment, the profit rate will remain unchanged.
According to the State Bank of Pakistan’s policy, taxes and zakat are subtracted from profits. The withholding tax rate is set at 15% for filers and 30% for non-filers.
Total Payable Amount On Investment of Every Rs 100,000
| First Year | Rs 109,000 |
| Second Year | Rs 119,000 |
| Third Year | Rs 130,000 |
| Fourth Year | Rs 143,000 |
| Fifth Year | Rs 160,000 |
| Sixth Year | Rs 181,000 |
| Seventh Year | Rs 206,000 |
| Eighth Year | Rs 235,000 |
| Ninth Year | Rs 270,000 |
| Tenth Year | Rs 314,000 |
