Govt cuts profit rates on National Savings Schemes

Annual profit rate on the Behbood Savings Certificate and the Pensioners’ Benefit Account has been revised down to 12.96%, says official notification

KARACHI: (UrduPoint /UrduPoint / Pakistan Point News-July 18th, 2026) The Federal government has reduced the profit rates on several National Savings Schemes, lowering returns for investors across a number of savings products.

An official notification issued by the National Savings Directorate said that the annual profit rate on the Behbood Savings Certificate and the Pensioners’ Benefit Account has been revised down to 12.96%.

The notification also stated that the monthly profit rate on the Regular Income Certificate (RIC) has been set at 11.52%. Under the revised rate, an investment of Rs100,000 in the RIC will now generate a monthly return of Rs960.

For the Special Savings Certificate (SSC), the profit rate has been fixed at 11.2% for the first six months and 12.6% for the remaining six months of the investment period.

The government has also reduced the annual profit rate on the Shuhada Family Welfare Account to 12.96%, bringing it in line with the revised returns offered on the Behbood Savings Certificate and the Pensioners’ Benefit Account.

The revised rates are part of the government’s latest adjustments to returns on National Savings Schemes, which are widely used by pensioners, senior citizens and small investors seeking secure investment options.