The federal government has revised profit rates for National Savings Schemes, with the new rates effective from November 4, 2025.
According to data from Arif Habib Ltd, the profit rate for Regular Income Certificates has been slightly increased from 10.80% to 10.92%, while Special Savings Certificates and Special Savings Accounts have also seen a rise from 10.40% to 10.60%.
The federal government has revised profit rates on various National Savings Schemes, effective from November 4, 2025, according to a notification issued by the Ministry of Finance.https://t.co/XxKG2Rw0w3#profitrates #NationalSavingsSchemes #PakistanEconomy #brecordernews pic.twitter.com/cZTMYOYPIb
— Business Recorder (@brecordernews) November 7, 2025
The Sarwa Islamic Term Account rate was revised upward from 9.50% to 9.92%.
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However, profit rates for Behbood Savings Certificates, Pensioners Benefit Accounts, and Shuhada Family Accounts were reduced from 12.96% to 12.72%, while the Defence Savings Certificates rate dropped from 11.42% to 11.31%.
The adjustments come as part of the government’s periodic review of national savings instruments, balancing returns with broader fiscal and economic conditions.
