ISLAMABAD – The Central Directorate of National Savings has slashed the profit rates on Special Savings Certificates with effect from July 2025, reflecting a downward trend in national inflation.
The Special Savings Certificates are designed to offer a secure investment avenue to small and medium-scale investors, with fixed returns paid out every six months.
These certificates come with a three-year maturity period and are open to all Pakistani citizens. Notably, there is no upper limit on the amount that can be invested.
Updated Profit Rates – Effective July 2025
According to the latest update, the revised profit rate stands at 10.60% for each of the first five bi-annual payments, translating to Rs5,300 per Rs100,000 investment every six months.
The final (sixth) profit payment will be at a higher rate of 11.60%, or Rs5,800 on an investment of Rs100,000.
Withholding Tax
As per current taxation rules, individuals listed on the Active Taxpayer List (ATL) will face a 15% withholding tax on profits, regardless of when or how much is invested.
The non-taxpayers will be subject to a 30% withholding tax on the earnings.
These adjustments are part of the government’s efforts to align returns with prevailing economic indicators, while continuing to offer safe investment opportunities to the public.