Islamabad: Many Pakistanis invest in Central Directorate of National Savings (CDNS) due to the safety of the schemes, stable returns and variety of products tailored to different needs including special schemes for senior citizens and disadvantaged groups.
National Savings has long served as the primary channel for savings in the Asian nation through government securities. With a large portfolio of Rs 3.2 trillion, National Savings accounts for about 14 percent of the country’s total banking deposits and serves about 3 million customers.
CDNS aims to provide a financial safety net to the general public, especially senior citizens, pensioners, widows, differently abled persons and families of martyrs in the war against terrorism. It accomplishes this by maintaining a diverse product mix of NSS to meet the varied needs of customers.
Among other products, the Directorate introduced two new products, Sarawa Islamic Savings Schemes, Shariah Compliant Option, and Digital Savings Schemes, with a combined net investment of Rs 78.0 billion.
The NSS product range includes options from 3-month Short Term Savings Certificates (STSC) to 10-year long-term Defense Savings Certificates.
| S.No | Name of Scheme | w.e.f. 10-04-2023 | w.e.f. 24-03-2024 | Maturity Period | Tax Status |
| 1 | Defence Savings Certificates | 14.87% | 13.36% | 10 Years | Taxable |
| 2 | Special Savings Certificates/Accounts | 17.13% (Average) | 15.93% (Average) | 3 Years | Taxable |
| 3 | Regular Income Certificates | 12.84% | 14.76% | 5 Years | Taxable |
| 4 | Savings Account | 18.50% | 20.50% | Running Account | Taxable |
| 5 | Pensioners’ Benefit Account | 16.56% | 15.60% | 10 Years | Tax exempt |
| 6 | Bahbood Savings Certificates | 16.56% | 15.60% | 10 Years | Tax exempt |
| 7 | Shuhada Family Welfare Account | 16.56% | 15.60% | 10 Years | Tax exempt |
| 8 | National Prize Bonds (Bearer) | 10.00% | 10.00% | Perpetual | Taxable |
| 9 | Premium Prize Bonds (Registered) | 12.92%** | 16.40%* | Perpetual | Taxable |
| 10 | Short Term Savings Certificates (STSC) | ||||
| STSC 3 Months | 19.92% | 19.40% | 3 Months | Taxable | |
| STSC 6 Months | 19.64% | 19.38% | 6 Months | Taxable | |
| STSC 12 Months | 19.82% | 19.00% | 12 Months | Taxable | |
| 11 | SARWA Islamic Savings Schemes | ||||
| SISA | – | 20.50% | Running Account | Taxable | |
| SITA 1 Year | – | 18.54% | 1 Year | Taxable | |
| SITA 3 Year | – | 15.25% | 3 Year | Taxable | |
| SITA 5 Year | – | 14.76% | 5 Year | Taxable |
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