National Savings new profit rate for Regular Income Certificates update — May 2025

ISLAMABAD: Following the State Bank of Pakistan’s interest rate reduction, the Central Directorate of National Savings or Qaumi Bachat has once again lowered the profit rate on Regular Income Certificates.

To meet the monthly demands of the general population, the Pakistani government introduced Regular Income Certificates (RICs) with a five-year maturity in 1993.

The certificates can be purchased in the denominations of Rs. 50,000, Rs. 100,000, Rs. 500,000, Rs. 1,000,000, Rs.5,000,000 and Rs.10,000,000.

Beginning on the date of certificate issuance, the Qaumi Bachat Bank provides profit on the Regular Income Certificates on a monthly basis.

Regular Income Certificates New Profit Rate

The National Savings has fixed the profit rate for Regular Income Certificates at 11.52 percent. The investors will receive Rs 960 per month in lieu of profit as compared to the previous Rs 979 per month on each Rs 100,000 investment.

Zakat Deduction 

Investments in Regular Income Certificates are free from Zakat Deduction. The directorate has also cut the profit rates of other certificates, including Behbood Savings Certificates, Defence Certificates, and Special Savings Certificates.

For a decade, Pakistani citizens have had the choice of investing in Defence Certificates.

Certificates may be purchased by all Pakistani citizens as well as overseas Pakistanis. An adult may also buy DSC for one minor, two minors working together, or in conjunction with a minor.

By completing the SC-I (Application Form), which is available free of cost from all the above listed issuing offices, the certificates can be acquired from any National Savings Centre (NSC).