Pakistan Revises National Savings Profit Rates 2026 – Latest Updated Rates on Regular Income, Bahbood & Defence Savings Schemes

Pakistan has officially revised profit rates across multiple National Savings schemes, introducing updated returns on popular savings instruments including Regular Income Certificates, Special Savings Accounts, Bahbood Savings Certificates, Defence Savings Certificates, and Short Term Savings Certificates.

The announcement was issued through a new notification by the National Savings Directorate, adjusting profit rates in line with prevailing financial and economic conditions across Pakistan.

Updated Profit Rates on National Savings Schemes in Pakistan 2026

According to the latest notification, key revisions in profit rates include:

• Regular Income Certificates: Profit rate set at 12.24%
• Special Savings Accounts: Average return increased to 12.4%
• Bahbood Savings Certificates: Maintained at 13.20%
• Pensioners Benefit Accounts & Welfare Accounts: Continued return of 13.20%

These schemes remain among the most popular low-risk investment options for pensioners, senior citizens, and low to middle-income investors seeking stable monthly returns.

Short Term Savings Certificates Profit Rates Revised

The revised structure for Short Term Savings Certificates is as follows:

• 3-month deposit: 11.4%
• 6-month deposit: 11.66%
• 1-year deposit: 11.77%

These updated rates make short-term investments more attractive for investors looking for liquidity along with reasonable returns.

Islamic Savings and Defence Savings Updates

The notification also confirmed updated returns for Islamic and long-term investment products:

• Sarwa Islamic Savings Accounts: 11.88% profit for both 1-year and 2-year tenures
• Defence Savings Certificates: Profit rates increased across 1 to 10-year investment plans

These revisions aim to strengthen confidence in both conventional and Shariah-compliant savings options.

Tax and Withholding Adjustments Announced

Alongside profit rate changes, the government has also revised tax rules:

• Filers: Withholding tax remains at 15%
• Non-filers: Reduced from 35% to 30%
• Zakat deduction: Maintained at 2.5%

These adjustments are expected to slightly improve net returns for non-filers while maintaining compliance measures within the savings system.

Objective Behind New Profit Rate Revision

Officials stated that the updated profit structure is designed to better align savings returns with current monetary conditions and inflation trends. The move is also aimed at encouraging greater participation in government-backed savings instruments.