The Central Directorate of National Savings (CDNS) has revised profit rates across its range of savings schemes, effective January 5, 2026.
According to the latest update, the profit rate on Defence Savings Certificates (DSC) has been reduced by 23 basis points to 11.08 percent.
Returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been cut by 24 basis points, now offering 12.48 percent per annum.
The profit rate on Regular Income Certificates (RIC) has been increased by 36 basis points to 10.56 percent per annum.
Profit rates on Special Savings Certificates (SSC) and Special Savings Accounts (SSA) have been increased by 40 basis points each, now yielding 11 percent per annum.
The Sarwa Islamic Term Account (SITA) now offers 9.96 percent per annum, up by 4 basis points.
The Sarwa Islamic Savings Account (SISA) also offers a 9.96 percent return per annum.
| S. No | Name of Schemes | 05/1/2026 to date |
| 1 | Defence Savings Certificates (DSC) | 11.08% |
| 2 | Bahbood Savings Certificates (BSC), Pensioners Benefit Account (PBA), Shuhuda Family Welfare Account (SWFA) | 12.48% |
| 3 | Regular Income Certificates (RIC) | 10.56% |
| 4 | Special Savings Certificates (SSC), Special Savings Account (SSA) | 11% |
| 5 | Savings Account | 9% |
| 6 | Short-Term Savings Certificates (STSC) 3 months | 10.32% |
| 7 | Short-Term Savings Certificates (STSC) 6 months | 10.36% |
| 8 | Short-Term Savings Certificates (STSC) 12 months | 10.68% |
| 9 | Sarwa Islamic Savings Account (SISA) | 9.96% |
| 10 | Sarwa Islamic Term Account (SITA) 1 year | 9.96% |
| 11 | Sarwa Islamic Term Account (SITA) 3 years | 10.2% |
| 12 | Sarwa Islamic Term Account (SITA) 5 years | 10.44% |