National Savings Profit Rates in Pakistan – Latest Update October 2025
The latest National Savings profit rates in Pakistan (October 2025) range between 13.68% and 18.60% annually, depending on the scheme type. These include Defense Savings Certificates, Behbood Savings Certificates, Pensioner Benefits Accounts, and Regular Income Certificates. Profit rates are revised periodically by the Central Directorate of National Savings (CDNS) based on market and policy changes.
What Are National Savings Schemes?
The National Savings Schemes are government-backed investment programs that provide secure and steady returns to Pakistani citizens. These schemes are ideal for retired persons, widows, pensioners, and low-risk investors who prefer guaranteed profit rather than market-linked returns. The profit you earn depends on your investment type and tenure.
Latest National Savings Profit Rates – October 2025
Below is the latest National Savings profit rate chart for October 2025 as announced by CDNS:
| Scheme Name | Profit Rate (Annual) | Profit Payment Mode |
| Defense Savings Certificates | 14.10% | Paid on Maturity |
| Behbood Savings Certificates | 18.56% | Monthly |
| Pensioner Benefits Accounts | 18.56% | Monthly |
| Regular Income Certificates | 14.64% | Monthly |
| Special Savings Certificates | 14.10% | Every Six Months |
| Short Term Savings Certificates | 13.68% | On Maturity |
| Savings Account | 17.50% | On Balance |
These rates may slightly vary depending on CDNS revisions or policy adjustments.
National Savings Profit Rates on 1 Lac per Month
If you invest Rs. 100,000 in different schemes, here’s how much you can earn monthly on average:
WhatsApp Channel| Scheme | Monthly Profit on Rs. 100,000 |
| Behbood Savings Certificate | Rs. 1,545 – Rs. 1,550 |
| Pensioner Benefit Account | Rs. 1,545 – Rs. 1,550 |
| Regular Income Certificate | Rs. 1,200 – Rs. 1,250 |
| Defense Savings Certificate | Rs. 1,100 (paid at maturity) |
| Savings Account | Around Rs. 1,400 |
This makes the Behbood and Pensioner schemes the top choices for monthly income seekers.
National Savings Profit Rates Calculator
To estimate your returns, use the National Savings profit rate calculator available on the CDNS official website.
You just need to:
- Choose the type of savings certificate.
- Enter your investment amount.
- Select the duration (3, 5, or 10 years).
- The calculator will show your expected monthly or total profit automatically.
This tool is especially helpful for pensioners or families planning long-term financial goals.
Profit Rates for Pensioners and Senior Citizens
For pensioners and senior citizens, the Pensioner Benefit Account remains the most rewarding option. It currently offers around 18.56% annual profit, paid monthly. This scheme was designed to help retired individuals receive a stable monthly income without the risks of market fluctuations.
To open this account, you only need:
- A valid CNIC
- Pension book or proof of retirement
- Minimum investment of Rs. 10,000
National Savings Profit Rates Today – Market Overview
As of October 2025, National Savings rates are higher compared to early 2024 due to the State Bank of Pakistan’s policy rate remaining above 20%. This move helped increase profits for small investors while keeping investments in local currency attractive.
Experts believe these rates may stay stable for the next quarter unless SBP cuts the policy rate in its upcoming monetary review.
How to Invest in National Savings Schemes
You can invest easily by visiting your nearest National Savings Centre (NSC) or applying through the official CDNS website. The process involves:
- Filling out an investment form.
- Submitting your CNIC and proof of income.
- Depositing the amount either in cash or cheque.
- Receiving a certificate or account confirmation slip.
You can also check profit updates regularly on www.savings.gov.pk, where CDNS publishes official circulars.
Tax and Zakat on National Savings
All National Savings profits are subject to withholding tax, which is deducted at source. For filers, the tax rate is lower than for non-filers. However, Behbood and Pensioner accounts are exempt from tax on profit for senior citizens.
Zakat is applicable on most accounts unless the investor has a Zakat exemption certificate.
Why National Savings Remains Popular
National Savings remains Pakistan’s most trusted savings platform because it offers security, regular income, and government-backed assurance. With no market risk and transparent policies, it’s especially preferred by families, retirees, and low-income groups who value consistent profit over high-risk returns.
Latest News – National Savings Profit Rates 2025
The government recently hinted at reviewing profit margins to align with inflation and monetary trends. Analysts expect minor rate revisions in the upcoming November 2025 announcement, depending on economic conditions and SBP policy direction. Investors are advised to keep checking the official website for fresh updates.
Conclusion
The National Savings profit rates in Pakistan continue to offer one of the most reliable and stable investment options in 2025. Whether you’re a pensioner, small investor, or family saver, these schemes provide secure returns and government-backed guarantees. Keeping an eye on the latest CDNS announcements will help you choose the best savings plan that matches your financial needs and monthly income goals.
