{
  "id": 15859301,
  "title": "Profit rates on National Savings schemes increased from Oct 21",
  "url": "https://urgent.news/2026/10/21/profit-rates-on-national-savings-schemes-increased-from-oct-21-15859301",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-21T06:22:11.000Z",
  "source": {
    "name": "Dawn",
    "slug": "dawn",
    "url": "https://www.dawn.com/news/2038739/profit-rates-on-national-savings-schemes-increased-from-oct-21"
  },
  "original_language": "en",
  "account": "Islamabad: The government has raised profit rates on various national savings schemes, including pensioners', senior citizens', and martyrs' family welfare accounts, effective October 21. The Central Directorate of National Savings (CDNS) has announced the new rates, which include an increase to 12.96% on Behbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada’s Family Welfare Accounts. This change will result in a higher monthly profit of Rs1,080 on a Rs100,000 investment, up from Rs1,060. The profit rate on Regular Income Certificates has also been increased to 12.12% from 11.76%, providing a monthly return of Rs1,010 on the same investment, compared to Rs980 previously. The profit rate on Special Savings Certificates has been raised to 12% from 11.6% for the first five profit payments, with investors receiving Rs6,000 every six months, followed by a final payment of Rs6,400 at a rate of 12.8%. The government has also increased cumulative profit rates on Defence Savings Certificates, with six-year returns rising to 88% from 86%, seven-year returns to 113% from 109%, eight-year returns to 142% from 136%, nine-year returns to 176% from 168%, and ten-year returns to 215% from 205%. Additionally, Short Term Savings Certificates have seen an upward revision, with three-month certificates now offering 11.12% interest, up from 10.80%, and longer maturities ranging up to 11.72%. The government has raised returns on Sharia-compliant savings schemes, with Sarwa Islamic Term Accounts offering rates between 11.84% and 12.12%, while Sarwa Islamic Savings Accounts have been increased to 11.84% from 11.33%. Ordinary Savings Accounts maintain a profit rate of 10% per annum. Profits on national savings schemes are subject to withholding tax at 15% for filers and 30% for non-filers, with Zakat deductions as prescribed under relevant rules.",
  "summary": "ISLAMABAD: The government has increased profit rates on several national savings schemes, including those for pensioners, senior citizens and families of martyrs, with the revised rates taking effect from October 21. According to the revised schedule issued by the Central Directorate of National Savings (CDNS), the profit rate on Behbood Savings Certificates, Pensioners’ Benefit Accounts and…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}