National Savings Schemes Profit Rates Revised from 18 July 2026 – Complete Details of New CDNS Rates

 The Government of Pakistan has officially revised the profit rates of National Savings Schemes (NSS) with effect from 18 July 2026. The revised rates have been issued by the Finance Division (Debt Management Office) and implemented through the Central Directorate of National Savings (CDNS).

These changes apply to several major National Savings investment products, including Defence Savings Certificates (DSC), Bahbood Savings Certificates (BSC), Pensioners' Benefit Account (PBA), Shuhada Family Welfare Account (SFWA), Regular Income Certificates (RIC), Special Savings Certificates (SSC), and Short-Term Savings Certificates (STSC).

If you are an investor or planning to invest in National Savings, here is everything you need to know.

Official Notification Summary

Issuing Authority: Finance Division (Debt Management Office), Government of Pakistan

Notification Date: 17 July 2026

Effective Date: 18 July 2026

The revised rates will remain applicable until further notice.

National Savings Schemes with Revised Profit Rates

The following schemes have received revised profit rates:

  • Defence Savings Certificates (DSC)

  • Bahbood Savings Certificates (BSC)

  • Pensioners' Benefit Account (PBA)

  • Shuhada Family Welfare Account (SFWA)

  • Regular Income Certificates (RIC)

  • Special Savings Certificates (SSC)

  • Short-Term Savings Certificates (STSC)

    • 3 Months

    • 6 Months

    • 12 Months

Key Highlights

1. Pensioners' Benefit Account (PBA)

The annual profit rate has been revised to:

12.96% per annum

Effective from 18 July 2026.

2. Shuhada Family Welfare Account (SFWA)

The annual profit rate is now:

12.96% per annum

Effective from 18 July 2026.

3. Bahbood Savings Certificates (BSC)

Monthly profit has been revised as follows:

Certificate ValueMonthly Profit
Rs. 5,000Rs. 54
Rs. 10,000Rs. 108
Rs. 50,000Rs. 540
Rs. 100,000Rs. 1,080
Rs. 500,000Rs. 5,400
Rs. 1,000,000Rs. 10,800

4. Regular Income Certificates (RIC)

Revised monthly profit:

InvestmentMonthly Profit
Rs. 50,000Rs. 480
Rs. 100,000Rs. 960
Rs. 500,000Rs. 4,800
Rs. 1,000,000Rs. 9,600
Rs. 5,000,000Rs. 48,000
Rs. 10,000,000Rs. 96,000

5. Defence Savings Certificates (DSC)

The maturity values have been updated for all denominations from:

  • Rs.500

  • Rs.1,000

  • Rs.5,000

  • Rs.10,000

  • Rs.50,000

  • Rs.100,000

  • Rs.500,000

  • Rs.1,000,000

The revised maturity table is effective from 18 July 2026.

6. Special Savings Certificates (SSC)

Profit rates have also been revised for new certificates purchased on or after 18 July 2026, including revised six-month profit calculations and reinvestment values.

7. Short-Term Savings Certificates (STSC)

The revised rates are applicable for:

  • 3-Month Certificates

  • 6-Month Certificates

  • 12-Month Certificates

Effective from 18 July 2026.

Important Instructions from CDNS

The Central Directorate of National Savings has directed all National Savings Centres to:

  • Display the revised rates on public notice boards.

  • Implement the new profit rates from 18 July 2026.

  • Update all certificate issuance procedures.

  • Use revised certificate markings (Issue-85, Issue-89 & Issue-96) where applicable until new stock becomes available.

What This Means for Investors

The revised profit rates are important for:

  • Existing National Savings investors

  • Senior citizens

  • Pensioners

  • Widows

  • Families of martyrs

  • Long-term investors

  • Individuals planning secure government-backed investments

Anyone purchasing eligible National Savings products from 18 July 2026 will receive profits according to the revised rates announced by the Government of Pakistan.

Final Words

The Government of Pakistan has officially updated the National Savings Schemes profit rates, reflecting the latest investment returns for various government-backed savings products. Investors are advised to review the revised rates carefully before making new investments or renewing existing certificates.

For the latest updates on National Savings, Government Notifications, Finance Division circulars, and CDNS announcements, stay connected with our blog.

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The Government of Pakistan has revised National Savings Schemes (NSS) profit rates effective from 18 July 2026. Check the latest CDNS rates for DSC, BSC, PBA, SFWA, RIC, SSC, and STSC.

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