Latest revision: effective 21 October 2026 (rates increased). The SBP raised the policy rate to 12% on 26 October, so another revision is possible; we update this page as soon as CDNS announces new rates. · Last checked: 13 November 2026 (no new CDNS revision since 21 October)
The Central Directorate of National Savings (CDNS) raised profit rates on most National Savings schemes from 21 October 2026. Behbood Savings Certificates, Pensioners’ Benefit and Shuhada accounts now pay 12.96%, and Regular Income Certificates pay 12.12%. Here are all the new rates and what they mean on Rs100,000.
National Savings Profit Rates (Effective 21 October 2026)
| Scheme | Old Rate | New Rate | Profit on Rs100,000 |
|---|---|---|---|
| Behbood Savings Certificates | 12.72% | 12.96% | Rs1,080 / month |
| Pensioners’ Benefit Account | 12.72% | 12.96% | Rs1,080 / month |
| Shuhada Family Welfare Account | 12.72% | 12.96% | Rs1,080 / month |
| Regular Income Certificates (RIC) | 11.76% | 12.12% | Rs1,010 / month |
| Special Savings Certificates (1st–5th payment) | 11.60% | 12.00% | Rs6,000 every 6 months |
| Special Savings Certificates (6th payment) | — | 12.80% | — |
| Short Term Savings Certificates (3 months) | 10.80% | 11.12% | Rs2,780 per 3 months |
| Short Term Savings Certificates (6/12 months) | — | Up to 11.72% | — |
| Sarwa Islamic Savings Account | 11.33% | 11.84% | About Rs987 / month |
| Sarwa Islamic Term Accounts | — | 11.84% – 12.12% | By tenure |
| Savings Account | 10.00% | 10.00% | About Rs833 / month |
Profit shown before tax. Behbood and Pensioners’ Benefit are for widows, senior citizens (60+), and specified groups only.
Defence Savings Certificates (DSC) – Cumulative Profit
| Held for | Old | New | Rs100,000 grows to |
|---|---|---|---|
| 1 year | — | 10% | Rs110,000 |
| 2 years | — | 21% | Rs121,000 |
| 3 years | — | 34% | Rs134,000 |
| 4 years | — | 49% | Rs149,000 |
| 5 years | — | 67% | Rs167,000 |
| 6 years | 86% | 88% | Rs188,000 |
| 7 years | 109% | 113% | Rs213,000 |
| 8 years | 136% | 142% | Rs242,000 |
| 9 years | 168% | 176% | Rs276,000 |
| 10 years | 205% | 215% | Rs315,000 |
National Savings Profit Calculator
In 2026-27, tax is deducted at 15% for filers and 30% for non-filers on most National Savings profit. Behbood Savings Certificates and the Pensioners’ Benefit Account have no tax deducted at source. Check our tax on investments guide.
National Savings Profit by Amount
See every scheme compared for your exact amount: 1 lakh · 5 lakh · 10 lakh · 20 lakh · 50 lakh
National Savings Rate History 2026
CDNS has revised National Savings rates several times in 2026. This table shows how the two most popular monthly income schemes have moved, so you can see why the profit in your account changes even though you invested once.
| Effective from | Behbood / Pensioners / Shuhada | Regular Income Certificate | Monthly profit on Rs10 lakh (Behbood) |
|---|---|---|---|
| 21 Oct 2026 | 12.96% | 12.12% | Rs10,800 |
| 1 Oct 2026 | 12.72% | 11.76% | Rs10,600 |
| 4 Sep 2026 | 12.60% | 11.16% | Rs10,500 |
| 18 Jul 2026 | 12.96% | — | Rs10,800 |
| 10 Jun 2026 | 13.20% | 12.24% | Rs11,000 |
| 26 May 2026 | 12.00% | — | Rs10,000 |
| Jan 2026 | 12.00% | 9.96% | Rs10,000 |
— means the rate for that revision is not shown here. We add every new CDNS revision to this table.
Rate history FAQs
Kya National Savings ke rates har mahine badalte hain?
Koi fixed schedule nahi hai, lekin 2026 mein rates kai dafa badle hain. Hum har naye revision par yeh page update karte hain.
Rate badalne se meri purani Behbood ya Regular Income investment ka profit bhi badalta hai?
Monthly profit wali schemes mein naya rate lagu hone ke baad aap ka monthly profit bhi badal sakta hai. Apne case ke liye National Savings centre se confirm karein.
Which National Savings Scheme Is Best?
- Monthly income for retirees/widows: Behbood or Pensioners’ Benefit (highest rate). See Behbood profit rate.
- Monthly income for everyone else: Regular Income Certificates.
- Long-term saving: Defence Savings Certificates, held to maturity.
- Islamic option: Sarwa Islamic accounts (see our Sarwa guide).
National Savings vs Banks
With the policy rate at 12%, some bank term deposits and T-bills now pay similar or higher returns. Compare with bank profit rates 2026, the Bank Profit Calculator and T-bills before deciding.
FAQs (Roman Urdu)
Behbood ka naya rate kya hai?
12.96%, 21 October 2026 se. Rs1 lakh par takreeban Rs1,080 mahana.
Regular Income Certificate ka rate kya hai?
12.12%, yani Rs1 lakh par takreeban Rs1,010 mahana.
Kya rates dobara badlenge?
Mumkin hai, kyun ke SBP ne 26 October ko policy rate 12% kar diya. Yeh page update hota rahega.
Sources: CDNS (savings.gov.pk); revision reported by Daily Pakistan. Not investment advice.