Islamabad, May 21, 2025 – The Central Directorate of National Savings (CDNS) has announced a reduction in profit rates for multiple National Savings Schemes (NSS), with changes effective immediately. The adjustments, ranging up to 100 basis points (bps), affect several popular investment options, reflecting shifts in the economic landscape.
The Savings Account (SA) has undergone the most significant cut, with its rate decreasing from 10.50% to 9.50%, a reduction of 100 bps. This change impacts a wide range of investors who rely on the account for its accessibility and steady returns.
Defence Saving Certificates (DSC) have also seen a adjustment, with returns lowered by 21 bps to 11.91% from 12.12%. Similarly, Bahbood Savings Certificates (BSC) experienced a 24 bps reduction, bringing the new rate to 13.44% from 13.68%.
The Pensioners Benefit Account (PBA) and Shuhda Family Welfare Account (SFWA) both faced identical cuts of 24 bps, aligning their new profit rate at 13.44%. These accounts, designed to support retirees and families of martyrs, remain critical components of the NSS portfolio.
Additionally, Regular Income Certificates (RIC) saw a modest reduction of 18 bps, moving from 11.70% to 11.52%, affecting investors seeking consistent monthly payouts.
The CDNS has not provided detailed reasons for the rate adjustments, but analysts suggest the move aligns with broader economic trends, including changes in monetary policy and market conditions. Investors are advised to review their portfolios and consult financial advisors to understand the implications of these changes.
For further details on the revised rates and their impact, visit the official CDNS website or contact local National Savings Centres.
