The Central Directorate of National Savings (CDNS) has revised profit rates across its range of savings schemes, effective January 23, 2026.
According to the latest update, the profit rate on Defence Savings Certificates (DSC) has been reduced by 64 basis points to 10.44 percent.
Returns on Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have also been cut by 48 basis points, now offering 12 percent per annum.
The profit rate on Regular Income Certificates (RIC) has been decreased by 60 basis points to 9.96 percent per annum.
Profit rate on Special Savings Certificates (SSC) has been decreased by 80 basis points, now yielding 9.4 percent per annum.
The rate on Special Savings Accounts (SSA) has been kept unchanged at 10.2 percent.
The Sarwa Islamic Term Account (SITA) now offers 9.96 percent per annum.
The Sarwa Islamic Savings Account (SISA) offers a 9.92 percent return per annum.
| S. No | Name of Schemes | 05/1/2026 to date |
| 1 | Defence Savings Certificates (DSC) | 10.44% |
| 2 | Bahbood Savings Certificates (BSC), Pensioners Benefit Account (PBA), Shuhuda Family Welfare Account (SWFA) | 12% |
| 3 | Regular Income Certificates (RIC) | 9.96% |
| 4 | Special Savings Certificates (SSC) | 9.4% |
| 5 | Special Savings Account (SSA) | 10.2% |
| 6 | Savings Account | 9% |
| 7 | Sarwa Islamic Savings Account (SISA) | 9.92% |
| 8 | Sarwa Islamic Term Account (SITA) | 9.96% |
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