National Savings Update: CDNS Revises Profit Rates for January 2026

The Central Directorate of National Savings (CDNS) has announced a revision of profit rates for various savings schemes. Announced today, January 7, 2026, these changes technically took effect on January 5, 2026. The directorate adjusted returns across both conventional and Islamic instruments to align with prevailing market dynamics and monetary conditions.

Shifts in Conventional Schemes

Investors in long-term certificates will see a decrease in returns. CDNS reduced the profit rate on Defence Savings Certificates (DSC) by 23 basis points. Consequently, the new rate stands at 11.08% per annum for a 10-year tenure. Similarly, returns on the Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) dropped by 24 basis points. These schemes now offer 12.48% per annum.

Furthermore, the Regular Income Certificates (RIC) saw a reduction of 36 basis points, bringing the rate to 10.56% per annum for a 5-year tenure. The Savings Account took the most significant hit, reducing by 50 basis points to offer 9.00% per annum on a running account basis.

However, not all rates declined. The rates for Special Savings Certificates (SSC) and Special Savings Accounts (SSA) increased by 40 basis points. These now offer 11.00% per annum for a 3-year tenure.

Updates on Islamic & Short-Term Instruments

In the Islamic segment, results are mixed. The Sarwa Islamic Savings Account (SISA) now provides a return of 9.96% per annum, an increase of 4 basis points. Likewise, the 1-year Sarwa Islamic Term Account (SITA) rose by 4 basis points to 9.96%. Conversely, the 3-year and 5-year SITA rates fell by 10 and 12 basis points, respectively.

Additionally, Short Term Savings Certificates (STSC) will yield between 10.32% and 10.68%, depending on the duration. Finally, the Premium Prize Bonds (Registered) remain unchanged at 2.92% per annum.

National Savings: Detailed Rate Sheet