ISLAMABAD: The Central Directorate of National Savings (CDNS) cut the profit rate on Short-Term Savings Certificates with effect from September 2025.
The government introduced the certificates for the first time in 2012. They are particularly aimed at serving the short-term fund requirements of investors, with tenure ranging from 3 months to 6 months to 1 year.
It is pledgeable and has 3-month, 6-month, and 1-year maturity plans, which allow all Pakistani nationals, as well as overseas citizens, can invest under this plan.
An investor can invest a minimum Rs10,000 under this category, whereas no upper limit exists. The Qaumi Bachat recently updated the Short Term Savings Certificates profit rate last month.
Short Term Certificates Profit Rate September 2025
Three-month maturity profit rate has been kept constant at 10.28 percent or Rs2,570 on investment of every Rs100,000.
Profit rate for the six-month maturity range has been kept constant at 10.30% or Rs5,150, while the profit of the 12-month maturity has been kept constant at Rs10,420.
Tax Deduction on STSC Profit Rate
Investors showing in the Active Taxpayer List will deduct 15% in the wake of withholding tax on total profit.
But the authorities will impose a fee of 30% of the yield/profit regardless of the date of investment and the amount/profit.
