If you’re keeping an eye on short term savings certificates rates, here’s the latest update! The Central Directorate of National Savings (CDNS) has revised the profit rates for Short Term Saving Certificates, effective February 2025. This change comes as inflation declines, impacting financial instruments nationwide.
New Short Term Savings Certificates Rates – February 2025
The federal government introduced Short Term Savings Certificates (STSCs) in 2012 to provide investors with flexible short-term investment options. These certificates come with maturity periods of three months, six months, and one year.
Here’s a breakdown of the latest National Savings profit rates today in Pakistan for these certificates:
- Three-Month Certificate – New rate: 11.24% (previously 12.76%)
- Profit on Rs100,000 investment: Rs2,810
- Six-Month Certificate – New rate: 11.32% (previously 12.74%)
- Profit on Rs100,000 investment: Rs5,660
- One-Year Certificate – New rate: 11.38%
- Profit on Rs100,000 investment: Rs11,380
How to Calculate National Savings Profit Rates on 1 Lac Today?
If you want to check your returns on investments, you can use a Short Term Savings Certificates Rates Calculator to estimate your earnings. Whether you invest Rs100,000 or more, a National Savings profit rates per month Calculator can help you determine your expected profits.
Who Can Invest in Short Term Saving Certificates?
This program is open to Pakistani nationals and Overseas Pakistanis with investments starting from Rs10,000—there’s no upper limit! Additionally, investors can pledge these certificates as security for loans.
Taxation on National Savings Profit Rates Per Month
Your profit tax depends on your tax status:
- Active Taxpayer List (ATL) investors: 15% withholding tax
- Non-filers (not on ATL): 30% withholding tax
These tax rates apply uniformly, regardless of the investment date or profit amount.
Why the Change in Short Term Savings Certificates Rates?
The government is adjusting financial instruments to align with economic conditions while offering attractive returns. These revised National Savings profit rates per month ensure investors benefit while maintaining financial stability.
Stay updated on the latest National Savings profit rates today in Pakistan for smart investment planning! Let us know in the comments—will you be investing in Short Term Saving Certificates this month?
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