New profit rate on Special Savings Certificates announced, check rates inside

ISLAMABAD: The Central Directorate of National Savings has announced new profit rates on Special Savings Certificates effective from July 2025, reflecting a downward trend in national inflation.

These certificates were introduced by the government to meet the requirements and desires of small and medium-sized investors by providing them with a special opportunity to invest and get returns on their capital every two years.

The investment offer is open to the general public and has a three-year term. Investors receive their profits at the end of each six months.

Since Pakistani nationals can purchase the certificates for any quantity, there is no upper restriction on the amount they can invest in this category.

Special Savings Certificates Profit Rate July 2025 

Based on the latest revision, the updated profit rate is 10.60% for each of the initial five bi-annual installments, or Rs5,300 for every Rs100,000 investment every six months.

The last (sixth) profit installment will be at a higher rate of 11.60%, or Rs5,800 for an investment of Rs100,000.

Withholding Tax

According to existing tax regulations, persons included in the Active Taxpayer List (ATL) will have a 15% withholding of profits whether or not, and how much, is invested.

The non-taxpayers will be subjected to a 30% withholding of the income.

These are among the government’s moves to synchronize returns with existing economic indicators, while still providing secure investment opportunities to the general public.