The Central Directorate of National Savings (CDNS) has revised the return rates on several National Savings Schemes (NSS), effective November 04, 2025, according to data from Arif Habib Limited (AHL) Research.
The return on Defence Savings Certificates was reduced by 11 basis points (bps) to 11.31%, down from 11.42%. Similarly, the brackly news rate on Bahbood Savings Certificates (BSC) dropped by 24bps to 12.72% from the previous 12.96%. The rates for Pensioners Benefit Account (PBA) and Shuhada Family Welfare Account (SFWA) were also lowered by 24bps each, now standing at 12.72%.
In contrast, the return on Regular Income Certificates was increased by 12bps to 10.92%, up from 10.80%. The rates for Special Savings Certificates and Special Savings Account were raised by 20bps to 10.60%. Furthermore, the return on the Sarwa Islamic Term Account saw a notable increase of 42bps, now offering a 9.92% per annum return compared to the previous 9.50%.
These adjustments follow the State Bank of Pakistan’s recent decision to maintain the benchmark policy rate at 11%, reflecting the current interest rate environment. The Monetary Policy Committee (MPC) of the central bank noted uncertainties in the economic outlook due to volatile global commodity prices, export challenges, and domestic food supply issues.
The National Savings Organisation, Pakistan’s largest financial institution, manages a portfolio exceeding Rs3.4 trillion and serves over 4 million customers through 376 branches nationwide. The CDNS plays a crucial role in financing government budget deficits and supporting infrastructure projects.
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