KARACHI: National Savings has announced major shake-up in profit rates for its savings products, effective January 23, 2026.
Central Directorate of National Savings (CDNS) dropped bombshell as profit rates on famous savings schemes took a sharp dive.
From Defence Savings Certificates to Special Savings and Islamic accounts, returns that many had relied on for steady income suddenly looked a lot smaller.
Savers are seeing significant changes across the board. Defence Savings Certificates (DSC) have been reduced by 64 basis points, now offering 10.44% per annum.
Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have all been cut by 48 basis points, with returns now at 12% annually.
Regular Income Certificates (RIC) will yield 9.96% per year, a decrease of 60 basis points. Special Savings Certificates (SSC) have seen the steepest drop of 80 basis points, now paying 9.4% per annum. Special Savings Accounts (SSA) remain unchanged at 10.2%, providing some stability for depositors.
Islamic savings products are also affected, Sarwa Islamic Term Account (SITA) now offers 9.96% per annum, while Sarwa Islamic Savings Account (SISA) provides 9.92% per year.
| Certificates | Change (bps) | New Rate (%) |
| Behbood Savings Certificates (BSC) | -48 | 12.00 |
| Shuhada Family Welfare Accounts (SFWA) | -48 | 12.00 |
| Regular Income Certificates (RIC) | -60 | 9.96 |
| Special Savings Certificates (SSC) | -80 | 9.40 |
| Special Savings Accounts (SSA) | 10.20 | |
| Sarwa Islamic Term Account (SITA) | 9.96 | |
| Sarwa Islamic Savings Account (SISA) | 9.92 | |