ISLAMABAD (Kashmir English): The federal government has released important news for those investing in Defence Savings Certificates. The Central Directorate of National Savings has released the new rates of return on the scheme, which have come into effect from January 2026.
The Defence Savings Certificates scheme was launched in 1966. Its main objective is to provide citizens and overseas Pakistanis with an opportunity to grow their savings safely over the long term.
The scheme is available in certificates of various denominations, including Rs 500, Rs 1,000, Rs 5,000, Rs 10,000, Rs 50,000, Rs 100,000, Rs 500,000, and Rs 100,000.
Investors can invest as little or as much as they want according to their financial capacity. The scheme is open to adult Pakistani citizens, overseas Pakistanis, NICOPs or POC holders. Minors can also invest with their guardian or jointly, while joint investment is also possible between two adults or an adult and a minor.
Facilities for investment are available at National Savings Centers, authorized branches of scheduled banks, and the State Bank of Pakistan. The National Savings Bank has fixed the rate of interest on Defence Savings Certificates at 11.08%.
For example, on an investment of Rs 100,000, the expected profit in the first year will be Rs 1,09,000, while in the second year it will be Rs 1,19,000, in the third year Rs 1,30,000, in the fourth year Rs 1,43,000, in the fifth year Rs 1,58,000, in the sixth year Rs 1,76,000, in the seventh year Rs 1,97,000, in the eighth year Rs 2,22,000, in the ninth year Rs 2,51,000 and in the tenth year Rs 2,86,000.
According to the State Bank, tax and zakat will also be deducted from the profits of investors. The withholding tax for filers is 15 percent, while for non-filers it is 35 percent.
Defense Savings Certificates are known as a safe and profitable option for long-term investment. Investors can take advantage of this opportunity to grow their savings and achieve financial security in the long term.
