The government has reduced profit rates on several National Savings schemes, lowering returns for investors across Pakistan. The revised rates affect welfare, pension, and income certificate holders. The changes are expected to influence returns for thousands of savers.
According to an official National Savings notification, the annual profit rate for the Behbood Savings Certificate and Pensioners Benefit Account has been reduced to 12.96%. Meanwhile, the monthly profit rate for the Regular Income Certificate has been fixed at 11.52%.
Under the revised rates, an investment of Rs100,000 in the Regular Income Certificate will now generate a monthly profit of Rs960. Moreover, the Special Savings Certificate will offer an 11.2% return during the first six months. The final six months will carry a profit rate of 12.6%.
Read more: Pakistan updates profit rates for National Savings schemes
The notification also stated that the annual profit rate for the Shuhada Family Welfare Account has been revised to 12.96%. According to officials, the updated rates apply to the relevant National Savings investment schemes.
The revised profit rates may reduce returns for pensioners, senior citizens, and other investors who depend on National Savings schemes for regular income. Therefore, many savers could see lower earnings from their investments under the new rates.
Meanwhile, National Savings schemes remain among Pakistan’s most widely used government-backed investment options. Additionally, changes in profit rates generally reflect broader monetary and financial conditions affecting the country’s savings instruments.
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The latest revision has taken effect through the official notification issued by National Savings. Investors are advised to review the updated rates before making new investments or renewing existing certificates.