ISLAMABAD: The government has reduced the profit rates on two major National Savings schemes, Defence Savings Certificates and Behbood Savings Certificates. The new rates will come into effect from the month of September 2026.
Under the new profit rates, the maturity period of Defence Savings Certificates is set at 10 years. A customer investing Rs100,000 in Defence Savings Certificates will receive Rs300,000 at the end of the maturity period. An investment of Rs100,000 will increase to Rs110,000 after the first year, Rs121,000 after the second year and Rs133,000 after the third year.
Similarly, the investment will increase to Rs147,000 after the fourth year and Rs163,000 after the fifth year. The investment amount will rise to Rs182,000 after the sixth year, Rs204,000 after the seventh year and Rs230,000 after the eighth year.
According to the new rates, an investment of Rs100,000 will reach Rs262,000 after the ninth year, while the same investment will reach Rs300,000 after completing the 10-year maturity period. Similarly, as per the cut in the profit rate on Behbood Savings Certificates. An investment of Rs100,000 will earn a monthly profit of Rs1,050, thus, the annual income will be Rs12600.
Behbood Savings Certificates were introduced specifically to meet the financial needs of widows and senior citizens.
The new rates have been introduced after the government reduced profit rates on the National Savings schemes, and the revised rates are now applicable from September 2026.
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