CDNS Revises Profit Rates for Savings Schemes
The Central Directorate of National Savings (CDNS) has revised profit rates for various schemes effective January 5, 2026.
The changes cover both conventional and Islamic instruments, aiming to align returns with prevailing market trends and monetary conditions.
Among conventional schemes, Defence Savings Certificates (DSC) fell by 23 basis points, offering 11.08% per annum for ten years.
Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts declined by 24 basis points, now providing 12.48%.
Regular Income Certificates (RIC) dropped by 36 basis points for five-year terms, yielding 10.56% per annum to investors.
The Savings Account experienced the largest decrease of 50 basis points, now offering 9.00% per annum on running accounts.
Special Savings Certificates (SSC) and Special Savings Accounts (SSA) rose by 40 basis points, offering 11.00% per annum for three years.
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Islamic savings instruments showed mixed results, with SISA and one-year SITA rising by four basis points to 9.96%.
Three-year and five-year SITA accounts declined by ten and twelve basis points respectively, while STSC now yields 10.32–10.68%.
Premium Prize Bonds (Registered) remain unchanged, continuing to provide 2.92% per annum with bi-annual payouts for investors across Pakistan.
Smart Table: Updated CDNS Profit Rates
| S.No | Scheme Name | Profit Rate (from 05/01/2026) | Tenure |
|---|---|---|---|
| 1 | Defence Savings Certificates (DSC) | 11.08% | 10 Years |
| 2 | Behbood Savings Certificates (BSC) | 12.48% | 10 Years |
| Pensioners Benefit Account (PBA) | 12.48% | 10 Years | |
| Shuhada Family Welfare Account (SFWA) | 12.48% | 10 Years | |
| 3 | Regular Income Certificates (RIC) | 10.56% | 5 Years |
| 4 | Special Savings Certificates (SSC) | 11.00% | 3 Years |
| Special Savings Account (SSA) | 11.00% | 3 Years | |
| 5 | Savings Account | 9.00% | Running Account |
| 6 | Short Term Savings Certificates (STSC) 3 Months | 10.32% | 3 Months |
| 7 | Short Term Savings Certificates (STSC) 6 Months | 10.36% | 6 Months |
| 8 | Short Term Savings Certificates (STSC) 12 Months | 10.68% | 12 Months |
| 9 | Sarwa Islamic Savings Account (SISA) | 9.96% | Running Account |
| 10 | Sarwa Islamic Term Account (SITA) 1 Year | 9.96% | 1 Year |
| 11 | Sarwa Islamic Term Account (SITA) 3 Years | 10.20% | 3 Years |
| 12 | Sarwa Islamic Term Account (SITA) 5 Years | 10.44% | 5 Years |
| 13 | Premium Prize Bonds (Registered) | 2.92% | Bi-Annual |