Islamabad: The Central Directorate of National Savings (CDNS) has announced revised profit rates for its full range of savings schemes, effective January 5, 2026.
The changes include both increases and decreases in returns, impacting Defence Savings Certificates, Behbood Savings Certificates, Regular Income Certificates, and other major schemes.
Profit Rates Reduced for Defence and Welfare Schemes
The profit rate on Defence Savings Certificates (DSC) has been reduced by 23 basis points, now offering 11.08% per annum. Similarly, returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have been lowered by 24 basis points, currently yielding 12.48% per annum.
Profit Rates Increased for Other Savings Schemes
Meanwhile, several schemes have seen an increase in profit rates:
Regular Income Certificates (RIC): up by 36 basis points to 10.56% per annum
Special Savings Certificates (SSC) and Special Savings Accounts (SSA): up by 40 basis points to 11% per annum
Sarwa Islamic Term Account (SITA) 1 year: up by 4 basis points to 9.96% per annum
Sarwa Islamic Savings Account (SISA): now at 9.96% per annum
Also read: Profit rates of National Savings Schemes revised
Updated Profit Rates for All CDNS Schemes (From January 5, 2026)
| S. No | Scheme | Profit Rate (%) |
|---|---|---|
| 1 | Defence Savings Certificates (DSC) | 11.08 |
| 2 | Behbood Savings Certificates (BSC), Pensioners Benefit Account (PBA), Shuhuda Family Welfare Account (SWFA) | 12.48 |
| 3 | Regular Income Certificates (RIC) | 10.56 |
| 4 | Special Savings Certificates (SSC), Special Savings Account (SSA) | 11 |
| 5 | Savings Account | 9 |
| 6 | Short-Term Savings Certificates (STSC) 3 months | 10.32 |
| 7 | Short-Term Savings Certificates (STSC) 6 months | 10.36 |
| 8 | Short-Term Savings Certificates (STSC) 12 months | 10.68 |
| 9 | Sarwa Islamic Savings Account (SISA) | 9.96 |
| 10 | Sarwa Islamic Term Account (SITA) 1 year | 9.96 |
| 11 | Sarwa Islamic Term Account (SITA) 3 years | 10.2 |
| 12 | Sarwa Islamic Term Account (SITA) 5 years | 10.44 |
Key Takeaways
Investors in Defence and welfare-linked schemes will see slightly lower returns.
Regular Income Certificates, Special Savings, and Sarwa Islamic schemes offer higher returns, presenting opportunities for investors seeking growth.
CDNS continues to adjust profit rates to reflect economic conditions and market trends, balancing returns across short-term and long-term savings products.
Also read: Pakistan revises National Savings profit rates, cuts savings account return
