The Central Directorate of National Savings (CDNS) has officially announced revised profit rates for all major National Savings Schemes (NSS), effective November 4, 2025. The new rates reflect adjustments aligned with current monetary trends, market conditions, and State Bank of Pakistan policies.
This revision affects both conventional and Islamic savings instruments, giving investors a chance to earn competitive returns while maintaining financial security.
Overview: CDNS Profit Rates (Effective November 4, 2025)
| S.No | Scheme Name | Profit Rate (Per Annum) | Tenure |
|---|---|---|---|
| 1 | Defence Savings Certificates (DSC) | 11.31% | 10 Years |
| 2 | Bahbood Savings Certificates (BSC) / Pensioners Benefit Account (PBA) / Shuhada Family Welfare Account (SWFA) | 12.72% | 10 Years |
| 3 | Regular Income Certificates (RIC) | 10.92% | 5 Years |
| 4 | Special Savings Certificates (SSC) / Special Savings Account (SSA) | 10.60% | 3 Years |
| 5 | Savings Account | 9.50% | Running Account |
| 6 | Short Term Savings Certificates (STSC) – 3 Months | 10.44% | 3 Months |
| 7 | Short Term Savings Certificates (STSC) – 6 Months | 10.30% | 6 Months |
| 8 | Short Term Savings Certificates (STSC) – 12 Months | 10.64% | 12 Months |
| 9 | Sarwa Islamic Savings Account (SISA) | 9.92% | Running Account |
| 10 | Sarwa Islamic Term Account (SITA) – 1 Year | 9.92% | 1 Year |
| 11 | Sarwa Islamic Term Account (SITA) – 3 Years | 10.30% | 3 Years |
| 12 | Sarwa Islamic Term Account (SITA) – 5 Years | 10.56% | 5 Years |
| 13 | Premium Prize Bonds (Registered) | 2.92% | Bi-Annual |
Key Highlights of the November 2025 Revision
Defence Savings Certificates (DSC)
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New Rate: 11.31% (reduced by 0.11%)
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Tenure: 10 Years
These long-term instruments remain one of the safest and most preferred investments for those seeking steady growth and guaranteed returns.
Bahbood, Pensioners & Shuhada Accounts
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New Rate: 12.72% (revised down by 0.24%)
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Tenure: 10 Years
These accounts continue to offer the highest return among all National Savings Schemes, designed specifically to benefit senior citizens, widows, and families of martyrs.
Regular Income Certificates (RIC)
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Revised Rate: 10.92% (up by 0.12%)
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Tenure: 5 Years
RIC investors will now enjoy slightly improved monthly income, ideal for individuals relying on consistent cash flow.
Special Savings Certificates (SSC) & Accounts (SSA)
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New Rate: 10.60% (increase of 0.20%)
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Tenure: 3 Years
These flexible short-term investment options now yield higher profits, making them a smart choice for medium-term savers.
Short-Term Savings Certificates (STSC)
Short-term schemes are great for investors looking for quick returns with minimal lock-in periods:
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3 Months – 10.44%
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6 Months – 10.30%
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12 Months – 10.64%
The 12-month plan now offers the best short-term yield among all options.
Islamic Savings Schemes (Sarwa Accounts)
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Sarwa Islamic Savings Account (SISA): 9.92%
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Sarwa Islamic Term Accounts (SITA):
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1 Year – 9.92%
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3 Years – 10.30%
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5 Years – 10.56%
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These Shariah-compliant options continue to attract Islamic investors seeking halal profit opportunities with steady growth potential.
Premium Prize Bonds (Registered)
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Return Rate: 2.92% (Bi-Annual)
This remains one of the lowest-risk, government-backed options with the added benefit of periodic lucky draws for registered investors.
Why CDNS Adjusted the Profit Rates
The Central Directorate of National Savings (CDNS) regularly reviews profit rates to align them with State Bank policy rate changes, inflation trends, and domestic borrowing needs.
According to financial experts, this adjustment reflects a balance between offering competitive returns to investors and maintaining fiscal stability in Pakistan’s economy.
Best Investment Options in November 2025
For different types of investors:
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Retirees & Pensioners: Bahbood Savings Certificates (12.72%)
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Regular Income Seekers: Regular Income Certificates (10.92%)
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Short-Term Investors: STSC 12-Month Option (10.64%)
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Islamic Investors: Sarwa Islamic Term Account – 5 Years (10.56%)
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Conservative Savers: Defence Savings Certificates (11.31%)
How to Invest in National Savings Schemes
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Visit your nearest National Savings Center (NSC).
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Bring your original CNIC and two passport-size photographs.
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Complete the investment form for your selected scheme.
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Deposit funds via cash, cheque, or bank transfer.
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Receive your certificate or account confirmation slip.
Alternatively, you can track and manage your savings online through the National Savings Digital Portal for eligible schemes.
Expert Insight
Financial analysts suggest that these revised rates create a favorable environment for savers, especially amid economic uncertainty.
For investors preferring low-risk returns, National Savings Schemes remain a secure and rewarding choice backed by the Government of Pakistan.
Conclusion
The CDNS November 2025 profit rate revision brings a mix of adjustments — minor cuts in some long-term instruments and modest increases in short-term and income-based schemes.
With Defence, Bahbood, and Regular Income Certificates still offering double-digit returns, Pakistan’s National Savings remains one of the most trusted and stable investment options for the public.
Whether you’re planning for retirement, education, or financial stability, these schemes offer safe, government-guaranteed growth for every type of investor.