National savings profit rates update for July 2025

ISLAMABAD: The Pakistani government has made a significant cut in National Savings Profit Rates, which will take effect from July 28, 2025, having a significant impact on the country’s millions of investors.

The new rates are effective on a wide array of savings certificates, including Behbood, Defence, and Regular Income Certificates, as well as Sarwa Islamic products.

According to a Ministry of Finance notification, the new rates are part of fiscal reform.

The National Savings Profit Rate on Special Savings Certificates has experienced a reduction of 10.4% annually for the first five profits and 11.0% for the sixth.

These profits are paid biannually and are subject to normal deductions:

• 15% – filers
• 30% – non-filers
• 2.5% – zakat, wherever it is applicable.

Defence Savings Certificates now provide an incremental return framework, ending in 200% over 10 years, opening from 9% in Year 1.

Regular Income Certificates will earn Rs. 890 per month for every Rs. 100,000, earning an annual return of 10.68%.

Rs. 1,080 per month for every Rs. 100,000 will be awarded at the rate of 12.96% yearly return on special plans like Behbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts.

Special schemes have been designed for widows, senior citizens, disabled people, retired government servants, and martyrs’ families.

Changes in Short-Term Savings Certificates have also been made as:

• 3-Months: 10.32% per annum.
• 6 months: 10.20% per annum.
• 1-Year: 10.14% per annum.
• There is no shift in the basic Savings Account rate, which is still at 9.5% per annum.

Read More: New profit rates on savings accounts, certificates announced

Sarwa Islamic Term Accounts (SITA), which fall under the Islamic investment products, now provide:

• 1-Year: 9.94% per annum.
• 3-Year: 10.30% per annum.
• 5-Year: 10.80% per annum.
• Sarwa Islamic Saving Account (SISA) earns 9.94% per annum, with a monthly interest of Rs. 828 on every Rs. 100,000.

The new National Savings Profit Rates are bound to affect investment strategies, particularly fixed-return investments.

Investors are advised to consult National Savings Centres or approved banks for the latest terms and conditions.