The government has reduced National Savings profit rates across several savings schemes, lowering returns for investors who depend on these government-backed investment products. According to an official notification, the revised rates apply to Bahbood Savings Certificates, Pensioners Benefit Accounts, Regular Income Certificates, Special Savings Certificates, and the Shuhada Family Welfare Account.
Under the latest revision, the annual profit rate for Bahbood Savings Certificates and the Pensioners Benefit Account has been set at 12.96%. These schemes primarily serve senior citizens, pensioners, and other eligible investors seeking secure and stable returns on their savings.
The notification also revised the Regular Income Certificate, setting its monthly profit rate at 11.52%. With the new rate, an investment of Rs100,000 will now earn Rs960 in monthly profit, reducing expected returns for certificate holders.
Meanwhile, the Special Savings Certificate has also seen changes. Investors will receive an annualized profit rate of 11.2% during the first six months, while the remaining six months will offer a profit rate of 12.6%, according to the official notification.
The government has further revised the annual return on the Shuhada Family Welfare Account to 12.96%. The scheme is intended to provide financial support to the families of martyrs through government-backed savings investments.
The reduction in National Savings profit rates reflects the government’s ongoing adjustments to returns offered on savings instruments in line with broader economic and monetary conditions. Profit rates on National Savings schemes are periodically reviewed based on prevailing financial indicators.
The revised rates are expected to affect both existing investors and individuals planning future investments in National Savings products. Investors are advised to review the updated returns carefully before making new investment or renewal decisions.
