Government revises returns on select savings instruments effective May 26 amid changing financial conditions
The Central Directorate of National Savings (CDNS) has increased profit rates on several National Savings Schemes and Sarwa Islamic investment products, effective May 26, 2026.
According to an official notification, the revision applies to selected instruments, while returns on several welfare-oriented savings schemes remain unchanged.
Under the updated structure, the profit rate for the Special Savings Certificate and Special Savings Account has been set at 11.6% per annum for the first five profit payouts, while the final payout will offer an annual return of 12.4%.
The CDNS also increased rates for Short Term Savings Certificates, with revised annual returns set at 10.84% for three-month certificates, 10.58% for six-month certificates, and 11.23% for one-year certificates.
The regular Savings Account will continue to offer a profit rate of 10% per annum.
However, profit rates remain unchanged for key welfare-linked schemes, including Defence Savings Certificates, Bahbood Savings Certificates, Pensioners’ Benefit Account, and Shuhada Family Welfare Account, all of which will continue to provide an annual return of 12%.
The CDNS also revised returns under its Sarwa Islamic investment portfolio. The one-year Sarwa Islamic Term Account will now offer an expected annual return of 10.93%, while the five-year Islamic Term Account will provide an expected return of 11.16%.
Financial analysts said the adjustments reflect broader shifts in market interest rates and investment conditions in the domestic financial system.
