Date 29 July 2025

The Central Directorate of National Savings (CDNS) has slashed profit rates across key National Savings Schemes, effective July 28, 2025. The rate on Short-Term Savings Certificates dropped by 26bps to 10.14%, while Regular Income Certificates saw a 48bps cut to 10.68%. Defence Savings Certificates now yield 11.61%, down 15bps, and Bahbood Savings Certificates return 12.96% (down 24bps). Rates for Pensioners Benefit and Shuhda Family Welfare Accounts also declined to 12.96%. Special Savings schemes fell to 10.4%, whereas Islamic variants like SISA and SITA were slightly raised to 9.94%. The move reflects shifting monetary trends as inflation eases.