The federal government has increased profit rates on several national savings schemes, with revised returns coming into effect from June 10, 2026, according to an official notification issued on Tuesday.
The updated rates apply to multiple investment instruments, including Special Savings Certificates, Defence Savings Certificates, and schemes designed for pensioners, widows, and families of martyrs.
Under the revised structure, the profit rate on Special Savings Certificates has been raised significantly. For an investment of Rs100,000, investors will now receive Rs6,200 as profit in the first half-year and Rs6,800 in the second half-year. This brings the annual return to 13.6 percent, up from the previous rate of 12.4 percent.
The notification also clarified tax treatment on profits. Tax filers will be charged 15 percent, while non-filers will face a 30 percent tax deduction, reinforcing the government’s policy of linking higher net returns to tax compliance.
Profit rates on defence savings certificates have also been revised. According to the notification, returns will start at 10 percent in the first year and increase gradually over time, reaching up to 67 percent by the fifth year, depending on the holding period.
In addition, revised rates were announced for other popular savings schemes.
Also read: Government cuts profit rates on National Savings Schemes; Check new rates
The Regular Income Certificate has been increased to 12.24 percent annually, while Behbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts have been fixed at 13.20 percent.
These schemes are primarily aimed at providing stable income to pensioners, widows, senior citizens, and martyrs’ families.
Short-term investment options have also seen upward revisions. Profit rates now stand at 11.4 percent for three-month certificates, 11.66 percent for six-month certificates, and 11.77 percent for one-year certificates.
According to the notification, the profit rate on standard savings accounts has been maintained at 10 percent. However, it added that returns on Islamic term deposit accounts and Islamic savings accounts have also been increased, with detailed rates to be issued separately.
The government said the revised profit structure aligns with updated financial and monetary policy measures aimed at offering competitive returns to small savers while encouraging documented economic activity.
