National Savings has officially revised the profit rates for multiple investment schemes across Pakistan. Effective today, June 10, 2026, the organization has increased returns ranging from 0.042% to 1.2% on key accounts. Consequently, these revised rates offer excellent news for investors who seek stable, fixed-income opportunities. Moreover, National Savings schemes continue to stand out as a highly popular choice for low-risk investments in the country.
High-Yield Welfare & Standard National Savings Accounts
National Savings designed specific accounts to support targeted community members. Currently, these specialized welfare schemes offer the highest fixed return at 13.20% per annum. Therefore, investors receive a steady monthly payout of Rs. 1,100 for every Rs. 100,000 invested.
| Scheme Name | Eligibility | Profit Rate (p.a.) | Monthly Return (per Rs. 100,000) |
| Behbood Savings Certificate | Widows, senior citizens, persons with disabilities | 13.20% | Rs. 1,100 |
| Pensioners’ Benefit Account | Retired government employees | 13.20% | Rs. 1,100 |
| Shuhada Family Welfare Account | Families of martyrs | 13.20% | Rs. 1,100 |
Note: The Behbood Savings Certificate limits investments between Rs. 5,000 and Rs. 7.5 million.
Meanwhile, the Regular Income Certificate provides a dependable monthly return for the general public. It now offers a 12.24% annual profit rate, which translates to Rs. 1,020 monthly per Rs. 100,000. Alternatively, the standard Saving Account profit rate remains entirely unchanged at 10% per annum.
Short-Term & Special Savings Certificates
Investors seeking quicker turnarounds can opt for Short-Term Savings Certificates. National Savings has updated these specific tenures accordingly to provide better short-term yields.
| Short-Term Scheme Tenure | Profit Rate (p.a.) | Return per Rs. 100,000 |
| 3 Months | 11.40% | Rs. 2,850 |
| 6 Months | 11.66% | Rs. 5,830 |
| 1 Year | 11.77% | Rs. 11,770 |
Furthermore, the Special Savings Certificates provide structured payouts every six months. For the first five payouts, investors earn a 12.4% annual rate, which equals Rs. 6,200 per Rs. 100,000. Finally, the sixth and final profit jumps to 13.6% annually, delivering Rs. 6,800 per Rs. 100,000. However, investors must remember that standard withholding tax and zakat deductions apply to these returns.
Islamic Investments & Long-Term Defence Returns
National Savings also accommodates investors looking for Shariah-compliant options. Therefore, the institution updated the profit structure for both of its Sarwa Islamic accounts.
The Sarwa Islamic Saving Account (SISA) now delivers an 11.88% annual profit rate, yielding Rs. 990 monthly per Rs. 100,000. Additionally, the Sarwa Islamic Term Account (SITA) offers varying returns based on the chosen holding period:
- 1 Year: 11.88% (Rs. 11,880 at maturity)
- 3 Years: 9.16% (Rs. 4,580)
- 5 Years: 11.16% (Rs. 930 monthly profit)
Lastly, the Defence Savings Certificates reward long-term patience. These certificates aggressively scale their returns over a 10-year holding period. For instance, an investor earns a 10% return after the first year. The total return then climbs steadily, reaching 67% by year five. Ultimately, if an investor holds the certificate for the full 10 years, the total return peaks at an impressive 216%.
