ISLAMABAD (Kashmir English): The Central Directorate of National Savings (CDNS) has announced the new profit rates on various National Savings Schemes (NSS) and Islamic Savings Schemes, effective from August 21, 2025.
According to the details, the directorate has dropped the profit rate for its Sarwa Islamic Savings Account (SISA) and the Sarwa Islamic Term Account (SITA) to 9.5 per cent by 44 bps.
According to the CDNS, the profit rate on Defence Saving Certificates (DSC) has been fixed the rate at 11.54 per cent with a marginal cut of 7 basis points (bps).
CDNS has maintained the rates for Special Savings Certificates (SSC) and Special Savings Account (SSA) unchanged at 10.40 per cent.
National Savings Schemes profit rates
The profit on the Shuhada Family Welfare Account has been reduced to 12.96 per cent, and the profit on Regular Income Certificates has increased to 10.80 per cent.
The Short Term Savings Certificate (STSC) now yields 10.36% annually, up 22 basis points (bps) from the previous rate.
What are National Savings Schemes?
National Savings is Pakistan’s largest financial institution, with a portfolio of over Rs. 3.4 trillion and over 04 million valued customers served through a large network of 376 branches nationwide, administered by 12 Regional Directorates.
Some of the most popular National Savings Schemes include Public Provident Fund (PPF), National Savings Certificate (NSC), Senior Citizens Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), Kisan Vikas Patra (KVP), and Post Office Monthly Income Scheme (POMIS).
The savings bank also offers Islamic Saving Schemes, which include Sarwa Islamic Savings Account (SISA) and Sarwa Islamic Term Account (SITA). They are based on the Shariah structure of Wakala-bil-Istismar, an investment agency or a delegated authority whereby a Muwakkil (principal) appoints the Wakeel (agent) to carry out a specific job on behalf of the Muwakkil.
