Govt revises National Savings profit rates

ISLAMABAD: The government has increased the profit rates of National Saving schemes, including the Sarwa Islamic products, with the revised structure coming into effect from May 26, 2026.

As stated in an official notification, the National Savings Department updated profit rates for some instruments, but a bunch of them have stayed as they were, more or less.

Under the refreshed arrangement, the Special Savings Certificate/Account will now pay 11.6% per annum for the first five profit payouts, and then the final payout has been moved up to 12.4% annually.

For Short Term Savings Certificates, the government also lifted the numbers a bit. The annual returns are now set at 10.84% for three months, 10.58% for six months, and 11.23% for one year.

At the same time, the Savings Account will provide a fixed profit rate of 10% per annum, so that part is not meant to be variable. Meanwhile, the returns for several longer-horizon instruments and welfare-type schemes have been kept as they were before.

These include Defence Savings Certificates, Bahbood Savings Certificates, Pensioners’ Benefit Account, and the Shuhada Family Welfare Account, all of which will continue to offer 12% per year.

On the Islamic side of things, the government has adjusted returns, too. Sarwa Islamic Term Account and Sarwa Islamic Savings Account both got a raise in expected profit. The one-year Islamic term account is now at 10.93% expected annual return, and the five-year account has been set at 11.16%.