Govt increases profit rates on several national savings schemes
Special Savings Certificates offer up to 12.4% return, Short Term Savings Certificates rise to 10.84%-11.23%, Savings Accounts set at 10%, while Sarwa Islamic Term Accounts increase to 10.93%-11.16% annually
The government has increased profit rates on several National Savings Schemes and Sarwa Islamic schemes with effect from May 26, 2026, according to a notification issued by the National Savings Department.
Under the revised rates, the Special Savings Certificate and Special Savings Account will offer an annual return of 11.6% for the first five profit payouts, while the final payout will carry a profit rate of 12.4%.
The department also revised returns on Short Term Savings Certificates. Profit rates for three-month, six-month and one-year tenures have been set at 10.84%, 10.58% and 11.23% per annum, respectively.
The profit rate on Savings Accounts has been fixed at 10% per annum.
Meanwhile, profit rates on Defence Savings Certificates, Bahbood Savings Certificates, Pensioners' Benefit Account and Shuhada Family Welfare Account remain unchanged at 12% per annum.
The National Savings Department has also increased expected returns on Sarwa Islamic schemes. The one-year Sarwa Islamic Term Account will now offer an expected annual return of 10.93%, while the five-year Sarwa Islamic Term Account will provide an expected annual return of 11.16%.
The revised rates came into effect on May 26, 2026.
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