The Central Directorate of National Savings (CDNS) has revised profit rates across its range of savings schemes, effective November 4, 2025, reflecting changes in market and monetary conditions.
According to the latest update, the profit rate on Defence Savings Certificates (DSC) has been reduced by 11 basis points to 11.31% per annum for a 10-year tenure. Returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been lowered by 24 basis points, now offering 12.72% per annum for a 10-year period.
The profit rate on Regular Income Certificates (RIC) has been increased by 12 basis points to 10.92% per annum for a 5-year tenure. Special Savings Certificates (SSC) and Special Savings Accounts (SSA) have seen a 20 basis point hike, now yielding 10.60% per annum for a 3-year tenure.
For shorter-term investments, Short Term Savings Certificates (STSC) will offer 10.44% per annum for three months, 10.30% per annum for six months, and 10.64% per annum for twelve months. The Savings Account rate remains unchanged at 9.50% per annum on a running account basis.
In the Islamic segment, the Sarwa Islamic Savings Account (SISA) continues to provide a return of 9.92% per annum. The Sarwa Islamic Term Account (SITA) offers 9.92% per annum for one year, 10.30% per annum for three years, and 10.56% per annum for five years.
Additionally, Premium Prize Bonds (Registered) will carry a return of 2.92% per annum, with profits distributed bi-annually.
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