The government raised profit rates on several National Savings schemes. The new rates took effect on October 21, 2026, according to the Central Directorate of National Savings (CDNS).
The hike benefits pensioners, senior citizens, and the families of martyrs. It also covers regular savers who hold Defence Savings Certificates and other popular schemes.
Behbood Savings Certificates, Pensioners' Benefit Accounts, and Shuhada Family Welfare Accounts now carry a profit rate of 12.96%. This is up from 12.72%.
On an investment of Rs 100,000, the monthly profit rises from Rs 1,060 to Rs 1,080.
The rate on Regular Income Certificates rose from 11.76% to 12.12%. On Rs 100,000, the monthly return goes up from Rs 980 to Rs 1,010.
The rate on these certificates rose from 11.6% to 12% for the first five profit payments. Each payment on Rs 100,000 is now Rs 6,000 every six months. The sixth and final payment stays higher, at Rs 6,400, for a rate of 12.8%.
The three-month rate rose from 10.80% to 11.12%. Longer terms under this scheme now earn up to 11.72%.
