The government has increased the profit rates on various National Savings schemes, effective from June 10, 2026. A formal notification has been issued in this regard.
According to the notification, the profit rate on the Special Savings Certificate Account has been increased. For every Rs100,000 certificate, the profit for the first six months will be Rs6,200, while for the second six months it will increase to Rs6,800. The annual profit rate has been raised from 12.4% to 13.6%.
Under the new policy, filers will be charged 15% tax, while non-filers will be charged 30% tax. For the Defence Savings Certificate, the profit rate has been fixed at 10% in the first year, increasing to 67% by the fifth year.
The Regular Income Certificate will offer an annual profit rate of 12.24%, while the Bahbood Savings Certificate, Pensioners Benefit Account, and Shuhada Family Welfare Account will provide a profit rate of 13.20%.
The profit rate on Short-Term Savings Certificates has been set at 11.4% for three months, 11.66% for six months, and 11.77% for one year.
Furthermore, the profit rate on Savings Accounts will remain unchanged at 10%, while profit rates on Sarwa Islamic Term Accounts and Islamic Savings Accounts have also been increased.
The revised increased rates are aimed at returning better savings to savers amid soaring inflation and evolving market interest rates. The increase is targeted to benefit thousands of investors, particularly retirees, pensioners, and individuals who rely on National Savings schemes as a means of income and long-term financial planning.
