National Savings Announces Higher Profit Rates

In practice, the federal administration has climbed profit rates on major National Savings certificates by up to 19 basis points (BPS), offering higher returns to investors in this period of high inflation.

Key points

• Under the new structure, the rate of return on Short Term Savings Certificates has been rose by 3 BPS from 11.28 percent to 11.31 percent.
• The profit rate on Pensioners Benefit Account has been fixed at 12.72 percent, up 12 BPS from 12.6 percent.
• The Serwa Islamic Term Account and Serwa Islamic Saving Account now offer an 11.33 percent rate of return each.
• Defence Savings Certificates now offer a profit rate of 11.8 percent, 19 BPS higher than the previous rate of 11.61 percent.
• According to a notification issued by the National Savings Department, the revised rates took effect from October 1, 2026.

According to a notification issued by the National Savings Department, the revised rates took effect from October 1, 2026. Some rates are now much higher than the central bank's benchmark lending rate of 11.5 percent. IMF Wants Market-Based Rupee, Higher SBP Rate.

Meanwhile, the profit rate on Pensioners Benefit Account has been fixed at 12.72 percent, up 12 BPS from 12.6 percent.

In practice, the profit rate on Bahbood Savings Certificates has rose by 12 basis points to 12.72 percent.

Meanwhile, the Serwa Islamic Term Account and Serwa Islamic Saving Account now offer an 11.33 percent rate of return each.

Changes in profit rates generally follow movements in interest rates and broader monetary policy trends. Stay Connected with ProPakistani.

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Taken together, the developments around national Savings Announces Higher Profit Rates point to a situation that is still moving, and the coming days should bring more clarity.