National Savings Schemes Revised Profit Rates June 2026

Special Savings Certificates and Defence Savings Certificates Rates

National Savings has updated returns for Special Savings Certificates and Defence Savings Certificates. These schemes provide investors with structured profit options according to their selected investment period.

Special Savings Certificates Revised Profit Details

Special Savings Certificates offer profit payments every six months. The revised rates provide different returns during the certificate period.

Profit Period	Revised Rate	Payment Details
Profit Nos. 1 to 5	12.4% per annum	Rs6,200 per Rs100,000 for 6 months
Final Profit No. 6	13.6% per annum	Rs6,800 per Rs100,000 for 6 months

Profit payments are made every six months, while applicable withholding tax and zakat deductions are applied according to rules.

Defence Savings Certificates Long-Term Returns

Defence Savings Certificates provide a long-term investment structure with returns increasing according to the holding period.

The revised structure shows different return levels from the first year to the tenth year, allowing investors to review long-term earning potential.

Year	Return
Year 1	10%
Year 5	67%
Year 10	216%

Important Note for Investors

Investors should review the official updated chart and scheme rules before selecting any certificate to understand applicable conditions and returns.

Monthly Income Schemes and Savings Account Updates

National Savings offers different income-based options for investors who prefer regular profit payments. These schemes are designed for people looking for planned monthly earnings.

The revised rates provide updated earning details for Regular Income Certificate, Behbood Savings Certificate, Pensioners’ Benefit Account, and Shuhada Family Welfare Account.

Regular Income Certificate Updated Rate

Regular Income Certificate is designed for investors who want a consistent monthly return from their savings.

• Profit rate: 12.24% per annum
• Monthly return: Rs1,020 per Rs100,000
• Suitable for regular income planning

Behbood Savings Certificate Benefits

Behbood Savings Certificate is designed for eligible categories including widows, senior citizens, and persons with disabilities.

• Profit rate: 13.20% per annum
• Monthly return: Rs1,100 per Rs100,000
• Investment range: Rs5,000 to Rs7.5 million

Pensioners’ Benefit Account and Shuhada Family Welfare Account

These accounts provide updated profit options for specific groups with eligibility-based benefits.

Scheme	Profit Rate	Monthly Return
Pensioners’ Benefit Account	13.20% per annum	Rs1,100 per Rs100,000
Shuhada Family Welfare Account	13.20% per annum	Rs1,100 per Rs100,000

Choosing Income-Based Savings Options

Before investing, users should compare profit rates, eligibility requirements, and payment schedules to select a scheme that fits their financial needs.

Short Term Savings Certificates and Islamic Investment Options

National Savings also provides short-term and Islamic investment options for people who want flexible saving choices with updated profit structures.

These schemes allow investors to select products based on their preferred duration, income expectations, and saving objectives.

Short Term Savings Certificates Revised Returns

Short Term Savings Certificates are suitable for investors looking for returns over shorter investment periods.

Duration	Revised Profit Rate	Return Details
3 Months	11.4%	Rs2,850 per Rs100,000
6 Months	11.66%	Rs5,830 per Rs100,000
1 Year	11.77%	Rs11,770 per Rs100,000

National Savings Account Profit Update

The Saving Account profit rate remains unchanged at 10% per annum. It continues to provide a simple option for regular savers.

Sarwa Islamic Term Account (SITA)

Sarwa Islamic Term Account offers Shariah-compliant investment options with different durations and profit structures.

• 1 Year: 11.88% with Rs11,880 per Rs100,000 maturity
• 3 Years: 9.16% with Rs4,580 per Rs100,000
• 5 Years: 11.16% with monthly profit structure

Sarwa Islamic Saving Account (SISA)

Sarwa Islamic Saving Account provides another Islamic saving option with updated returns for investors seeking Shariah-compliant products.

• Profit rate: 11.88% per annum
• Monthly return: Rs990 per Rs100,000

Conclusion: Updated National Savings Options for Investors

The revised National Savings profit rates for June 2026 provide investors in Pakistan with updated opportunities across certificates, income schemes, and Islamic products.

Each scheme has different features, payment methods, and eligibility requirements, allowing savers to choose according to their financial plans.

How to Select the Suitable Scheme

Investors should review the duration, expected returns, and personal financial needs before choosing any National Savings product.

• Check the latest official profit rates before investing
• Compare monthly income and maturity-based options
• Consider eligibility requirements for special accounts
• Understand applicable tax and zakat deductions

Impact of Revised Profit Rates on Savers

Changes in profit rates can influence investment decisions, especially for people who depend on savings income for regular expenses.

A clear understanding of available options helps investors make better choices and manage their financial goals more effectively.

Final Investor Reminder

National Savings schemes continue to provide structured investment solutions for people looking for planned returns and secure saving options in Pakistan.

Always verify the latest official updates before making an investment decision, as rates and policies may change over time.