Increased Profit Rates
The government has raised returns on several savings products to encourage investment in national schemes:
- Regular Income Certificates (RICs): Increased from 10.80% to 10.92%.
- Special Savings Certificates (SSC) and Special Savings Accounts (SSA): Raised from 10.40% to 10.60%.
- Sarwa Islamic Term Account: Increased from 9.50% to 9.92%.
These upward adjustments are seen as part of the government’s strategy to attract small and middle-income investors seeking secure and stable returns amid ongoing market volatility.
Reduced Profit Rates
However, profit rates on some popular welfare-focused schemes were slightly reduced:
- Behbood Savings Certificates, Pensioners’ Benefit Account, and Shuhada Family Account: Decreased from 12.96% to 12.72%.
- Defence Savings Certificates: Reduced from 11.42% to 11.31%.
Financial analysts believe these minor downward revisions aim to balance the government’s borrowing costs while maintaining investor confidence in the National Savings framework.
Background
The National Savings Schemes are among Pakistan’s most trusted investment options, offering safe, government-backed returns to millions of citizens — including retirees, widows, and overseas Pakistanis.
The new rates reflect the government’s continued efforts to manage fiscal challenges while providing attractive returns to investors.
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