The federal government has increased the profit rates on National Savings schemes and Sarwa Islamic schemes.
The National Savings Department has announced revised profit rates for National Savings schemes, which will take effect from October 21, 2026.
According to details, the annual profit rate on the first five profit payments under Special Savings Certificates and Accounts has been set at 12%, while the sixth and final payment will carry a rate of 12.8%. Under this arrangement, an investment of Rs100,000 will earn Rs6,000 every six months for the first five payments and Rs6,400 for the sixth payment.
For Defence Savings Certificates, the profit rates have been set at 10% for one year, 21% for two years, 34% for three years, 49% for four years, 67% for five years, 88% for six years and 113% for seven years.
The rates will rise to 142% for eight years, 176% for nine years and 215% for ten years.
Under Regular Income Certificates, the monthly profit on an investment of Rs100,000 has been set at Rs1,010, equivalent to an annual rate of 12.12%.
Under Behbood Savings Certificates, widows, senior citizens and persons with disabilities will receive a monthly profit of Rs1,080 on every Rs100,000 invested, equivalent to an annual rate of 12.96%. The minimum investment under this scheme is Rs5,000, while the maximum is Rs7.5 million.
For retired government employees, the Pensioners’ Benefit Account will also offer a monthly profit of Rs1,080 on every Rs100,000 invested. The minimum investment is Rs10,000, while the maximum is Rs7.5 million.
The Shuhada Family Welfare Account, designed for the families of martyrs, will also provide a monthly profit of Rs1,080 per Rs100,000, equivalent to an annual rate of 12.96%. The investment limit ranges from Rs10,000 to Rs7.5 million.
For Short-Term Savings Certificates, the annual profit rates have been set at 11.12% for three months, 11.50% for six months and 11.72% for one year. Accordingly, an investment of Rs100,000 will earn Rs2,780, Rs5,750 and Rs11,720, respectively.
The profit rate on Savings Accounts has remained unchanged at 10% annually.
Under the Sarwa Islamic Term Account, the expected annual profit rate has been set at 11.84% for a one-year term, with payment at maturity; 12.10% for a three-year term, with semi-annual payments; and 12.12% for a five-year term, with monthly payments.
On an investment of Rs100,000, the expected profits will be Rs11,840 at maturity for the one-year term, Rs6,050 every six months for the three-year term, and Rs1,010 per month for the five-year term.
The expected annual profit rate on the Sarwa Islamic Savings Account has been set at 11.84%, with an expected monthly profit of Rs973.15 per Rs100,000 invested.
In addition, withholding tax, Zakat and applicable service charges will be deducted from various schemes in accordance with the rules governing each scheme.
