The federal government has officially revised the National Savings profit rates, introducing both increases and reductions across several saving schemes effective November 4, 2025, according to a notification from the Ministry of Finance.

These changes come as part of the government’s efforts to balance investor returns with prevailing market conditions, ensuring that small savers, retirees, and families continue to benefit from stable and risk-free investment options.

Among the major changes, the Special Savings Certificates will now offer a return of 11.60%, while the Regular Income Certificate provides a revised rate of 10.92%. The Short-Term Savings Certificates also saw an upward revision, with three-month certificates now yielding 10.44% and one-year certificates offering 10.64%.

On the other hand, the Defence Savings Certificate has faced a reduction in its profit rate, and the Behbood Savings Certificate has been brought down from 13.44% to 12.72%. The Pensioners’ Benefit Account and Shuhada Family Welfare Account will now return 12.72%, marking a slight dip from the previous rate.

Meanwhile, the Savings Account rate remains steady at 9.50%, ensuring consistent returns for general depositors.

Updated profit rates

Islamic schemes also updated

The Sarwa Islamic Term Account has seen an increase in the three-year and five-year categories, while the one-year account remains unchanged at 9.92%. The Sarwa Islamic Savings Account continues at its previous rate, maintaining stability for investors seeking Shariah-compliant options.

According to the Ministry of Finance, the revision of National Savings profit rates aims to align the returns with current market dynamics and sustain investor confidence. The move is expected to attract more individuals—especially pensioners, families, and risk-averse savers—toward secure, government-backed investment opportunities.