Central Directorate of National Savings (CDNS) has changed profit rates of various National Savings Schemes (NSS) in Pakistan, which from September 17, 2025. The revision affects the short-term savings, Sarwa Islamic accounts, and Defence Savings Certificates.
National Savings Profit Rates in Pakistan 2025
According to the official notification, the profit rate on short-term savings accounts has been increased from 10.06% to 10.42%.
The annual profit rate on Sarwa Islamic Saving Accounts and Sarwa Islamic Term Accounts has also been raised from 9.50% to 9.92%.
In contrast, the profit rate on Defence Savings Certificates has been reduced by 12 basis points, shifting from 11.54% to 11.42%.
The revised National Savings Profit Rates in Pakistan 2025 are likely to influence investor decisions, especially for those relying on fixed-return schemes. Investors are advised to consult National Savings Centres in Pakistan or authorised banks for the latest terms and conditions.
The revision comes days after the Monetary Policy Committee (MPC) of the State Bank of Pakistan (SBP) kept the policy rate unchanged at 11%. The MPC highlighted the economic pressure caused by recent floods and its adverse impact on near-term growth.
The National Savings Organisation in Pakistan is the country’s largest financial institution, managing a portfolio of over Rs3.4 trillion. It currently serves more than 4 million investors through 376 branches across Pakistan, administered by 12 Regional Directorates.
