The government of Pakistan has increased profit rates on several National Savings schemes, with the revised rates taking effect from October 21, 2026.

According to the Central Directorate of National Savings (CDNS), the profit rate on Behbood Savings Certificates, Pensioners’ Benefit Accounts and Shuhada’s Family Welfare Accounts has risen from 12.72% to 12.96%. Investors in these schemes will now receive Rs1,080 per month on an investment of Rs100,000, compared with Rs1,060 previously.

The rate on regular income certificates has increased from 11.76% to 12.12%, raising monthly profit on Rs100,000 to Rs1,010. Special Savings Certificates now offer 12% for the first five profit payments, while the final payment carries a rate of 12.8%.

Returns on Defence Savings Certificates and Short-Term Savings Certificates have also increased. Sharia-compliant Sarwa Islamic savings products will offer higher expected returns under the revised schedule.

However, the profit rate on ordinary National Savings Accounts remains unchanged at 10% annually.

Withholding tax and applicable Zakat deductions will continue to apply according to the relevant rules.