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The federal government has revised National Savings profit rates, with the updated returns becoming effective from November 4.
According to data shared by equity brokerage Arif Habib Ltd, the profit rate for Regular Income Certificates has increased from 10.80 percent to 10.92 percent. Rates for Special Savings Certificates and Special Savings Accounts have also risen from 10.40 percent to 10.60 percent.
Rates of profit on National Savings Schemes have been revised with effect from 04-Nov-2025@savingsgovpk @StateBank_Pak @Financegovpk#Pakistan #Economy #AHL pic.twitter.com/Z4B3YWBQen
— Arif Habib Limited (@ArifHabibLtd) November 5, 2025
The latest adjustment to National Savings returns includes an increase for the Serwa Islamic Term Account, which has moved up from 9.50 percent to 9.92 percent. However, several major schemes have experienced cuts.
The profit rate for the Behbood Savings Certificate, the Pensioners Benefit Account and the Shuhada Family Account has been reduced from 12.96 percent to 12.72 percent. Meanwhile, Defence Savings Certificates have seen a downward revision from 11.42 percent to 11.31 percent.
