{"id":61797,"date":"2025-01-08T15:48:26","date_gmt":"2025-01-08T10:48:26","guid":{"rendered":"https:\/\/dailyausaf.com\/en\/?p=61797"},"modified":"2025-01-08T15:48:26","modified_gmt":"2025-01-08T10:48:26","slug":"qaumi-bachat-profit-rate-for-short-term-savings-certificates-january-2025","status":"publish","type":"post","link":"https:\/\/dailyausaf.com\/en\/business\/qaumi-bachat-profit-rate-for-short-term-savings-certificates-january-2025\/","title":{"rendered":"Qaumi Bachat profit rate for Short Term savings Certificates \u2014 January 2025"},"content":{"rendered":"

ISLAMABAD: The Central Directorate of National Savings <\/a>offers an excellent avenue for investment in the short term savings <\/span>carrying<\/span>\u00a0<\/span>reasonable profit rates.<\/span><\/p>\n

\u00a0<\/span>It<\/span>\u00a0<\/span>was due to this reason that\u00a0<\/span>Short Term Savings Certificates<\/span>\u00a0<\/span><\/a>were<\/span>\u00a0<\/span>introduced\u00a0<\/span>in 2012,\u00a0<\/span>carrying<\/span>\u00a0<\/span>short-term\u00a0<\/span>maturity periods of 3 months, 6 months, and 1 year<\/span>\u00a0to meet the short-term funding requirements of investors<\/span>.<\/span><\/p>\n

These certificates are pledge-able and open to all Pakistani Nationals and Overseas Pakistanis,\u00a0<\/span>having<\/span>\u00a0<\/span>minimum investment requirement of\u00a0<\/span>Rs. 10<\/span>,000\u00a0<\/span>without<\/span>\u00a0<\/span>any<\/span>\u00a0maximum limit.<\/span><\/p>\n

Short Term Savings Certificates Profit Rate for Jan 2025<\/a><\/h2>\n

Profit rates <\/span>were\u00a0<\/span>revised in December 2024 and\u00a0<\/span>remain<\/span>\u00a0<\/span>valid<\/span>. For instance, the three-month maturity period\u00a0<\/span>now<\/span>\u00a0<\/span>carries\u00a0<\/span>a profit rate of 12.76%,\u00a0<\/span>or<\/span>\u00a0<\/span>Rs3,190 on an investment of Rs100,000,\u00a0<\/span>compared<\/span>\u00a0<\/span>with<\/span>\u00a0<\/span>14.32% or Rs3,580<\/span>\u00a0earlier<\/span>. <\/span><\/p>\n

The six-month maturity\u00a0<\/span>period<\/span>\u00a0has\u00a0<\/span>been fixed at\u00a0<\/span>a profit rate of 12.74%, or Rs6,370<\/span>\u00a0<\/span>as<\/span>\u00a0<\/span>against<\/span>\u00a0the previous 13.46% or Rs6,730.\u00a0<\/span>The\u00a0<\/span>maturity period\u00a0<\/span>of<\/span>\u00a0<\/span>12 months carries\u00a0<\/span>a profit rate of 12.38%, or Rs12,380.<\/span><\/p>\n

Tax Deduction on STSC Profit Rate<\/h2>\n

It<\/span>\u00a0<\/span>is<\/span>\u00a0<\/span>pertinent<\/span>\u00a0to\u00a0<\/span>mention<\/span>\u00a0<\/span>here\u00a0<\/span>that\u00a0<\/span>the<\/span>\u00a0<\/span>profit<\/span>\u00a0<\/span>rates<\/span>\u00a0<\/span>are<\/span>\u00a0<\/span>after<\/span>\u00a0<\/span>deductions<\/span>.\u00a0<\/span>An<\/span>\u00a0<\/span>investor,\u00a0<\/span>who\u00a0<\/span>is<\/span>\u00a0<\/span>an<\/span>\u00a0<\/span>active member\u00a0<\/span>of the Active Taxpayer List<\/span>,<\/span>\u00a0will\u00a0<\/span>have<\/span>\u00a0<\/span>a\u00a0<\/span>15% withholding tax on\u00a0<\/span>the<\/span>\u00a0total\u00a0<\/span>amount of\u00a0<\/span>profit<\/span>; otherwise<\/span>,\u00a0<\/span>30%<\/span>\u00a0<\/span>of<\/span>\u00a0<\/span>yield<\/span>\u00a0<\/span>or<\/span>\u00a0<\/span>profit<\/span>\u00a0will be charged\u00a0<\/span>on<\/span>\u00a0<\/span>his<\/span>\u00a0<\/span>amount<\/span>,\u00a0<\/span>irrespective<\/span>\u00a0of the\u00a0<\/span>date or\u00a0<\/span>investment\u00a0<\/span>amount<\/span>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

ISLAMABAD: The Central Directorate of National Savings offers an excellent avenue for investment in the short term savings carrying\u00a0reasonable profit rates. \u00a0It\u00a0was due to this reason that\u00a0Short Term Savings Certificates\u00a0were\u00a0introduced\u00a0in 2012,\u00a0carrying\u00a0short-term\u00a0maturity periods of 3 months, 6 months, and 1 year\u00a0to meet the short-term funding requirements of investors. These certificates are pledge-able and open to all […]<\/p>\n","protected":false},"author":9,"featured_media":61801,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,2],"tags":[25591,25592],"class_list":["post-61797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-pakistan","tag-short-term-savings-certificates","tag-short-term-savings-certificates-profit-rate-for-jan-2025"],"_links":{"self":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/61797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/comments?post=61797"}],"version-history":[{"count":3,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/61797\/revisions"}],"predecessor-version":[{"id":61802,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/61797\/revisions\/61802"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/media\/61801"}],"wp:attachment":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/media?parent=61797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/categories?post=61797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/tags?post=61797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}