National Savings has identified 111 centers as inefficient and financially unsustainable and ordered steps to improve their performance.

Under the new criteria, operating costs have been benchmarked at Rs. 2,500 for every Rs. 1 million in deposits.

Sr No	NSC Code	Name of NSC	Name of Region	Portfolio (In Million)	Total Expenditure (In Million)	Expenditure to Portfolio Ratio	Category
1	1105	Cantt-2, Pesh	Peshawar	4,667.60	13.02	0.28%	Expensive
2	1118	City-1, Pesh	Peshawar	4,520.77	12.64	0.28%	Expensive
3	1107	DIK-2	Peshawar	2,449.12	7.75	0.32%	Expensive
4	1110	Karak	Peshawar	2,853.59	9.05	0.32%	Expensive
5	1106	DIK-1	Peshawar	3,698.10	12.23	0.33%	Expensive
6	1104	Charsadda	Peshawar	2,096.83	7.49	0.36%	Expensive
7	1124	City-7, Pesh	Peshawar	3,408.47	13.24	0.39%	Expensive
8	1120	City-3, Pesh	Peshawar	2,434.43	10.01	0.41%	Expensive
9	1102	Bannu-1	Peshawar	2,210.14	9.42	0.43%	Expensive
10	1109	Jehangira	Peshawar	1,123.80	6.13	0.55%	Expensive
11	1129	Tehkal Bala, Pesh	Peshawar	1,774.44	10.92	0.62%	Expensive
12	1101	Akora khattak	Peshawar	1,505.89	10.77	0.72%	Expensive
13	1125	Risalpur Cantt	Peshawar	1,191.71	9.47	0.79%	Expensive
14	1127	Shabqadar	Peshawar	613.21	5.65	0.92%	Expensive
15	1113	Lakki Marwat	Peshawar	1,007.19	10.78	1.07%	Expensive
16	1126	Serai Naurang	Peshawar	502.20	6.57	1.31%	Expensive
17	1128	Tank	Peshawar	483.98	6.73	1.39%	Expensive
18	1210	Ghazi	Abbottabad	2,917.98	7.38	0.25%	Expensive
19	1222	Mingora	Abbottabad	3,976.45	10.06	0.25%	Expensive
20	1203	Abbottabad-III	Abbottabad	3,291.57	8.89	0.27%	Expensive
21	1225	Nawanshehr	Abbottabad	2,267.63	6.46	0.28%	Expensive
22	1213	Haripur-II	Abbottabad	4,085.49	12.72	0.31%	Expensive
23	1215	Havelian	Abbottabad	2,473.46	8.15	0.33%	Expensive
24	1221	Mardan-II	Abbottabad	3,007.71	11.11	0.37%	Expensive
25	1207	Batkhela	Abbottabad	2,147.02	8.03	0.37%	Expensive
26	1230	Hassanabdal	Abbottabad	1,888.66	7.49	0.40%	Expensive
27	1232	Khaplu	Abbottabad	1,061.01	5.24	0.49%	Expensive
28	1228	Shinkiari	Abbottabad	1,079.76	5.93	0.55%	Expensive
29	1208	Chitral	Abbottabad	1,094.83	6.29	0.57%	Expensive
30	1322	Murree	Islamabad	3,797.64	10.01	0.26%	Expensive
31	1306	Khayaban	Islamabad	3,836.52	10.37	0.27%	Expensive
32	1341	Bharakahu	Islamabad	2,368.07	9.06	0.38%	Expensive
33	1417	Malakwal	Gujranwala	3,203.90	8.08	0.25%	Expensive
34	1425	Sangla Hill	Gujranwala	2,961.95	8.25	0.28%	Expensive
35	1421	Pasroor	Gujranwala	3,139.67	10.27	0.33%	Expensive
36	1422	Phalia	Gujranwala	2,312.46	7.61	0.33%	Expensive
37	1403	Farooqabad	Gujranwala	1,992.40	6.57	0.33%	Expensive
38	1423	Pindi Bhattian	Gujranwala	1,133.97	7.74	0.68%	Expensive
39	1525	Pattoki	Lahore	2,994.71	8.01	0.27%	Expensive
40	1527	Ravi Road	Lahore	4,822.17	13.67	0.28%	Expensive
41	1530	Bilal Ganj	Lahore	4,359.82	12.77	0.29%	Expensive
42	1517	Misrishah	Lahore	4,969.12	15.56	0.31%	Expensive
43	1526	Raiwind	Lahore	2,548.70	8.46	0.33%	Expensive
44	1535	Sharagpur	Lahore	1,135.36	7.55	0.66%	Expensive
45	1635	Shahpur Saddar	Faisalabad	2,608.55	6.85	0.26%	Expensive
46	1620	Kamalia	Faisalabad	3,105.32	8.54	0.28%	Expensive
47	1636	Shorkot cantt	Faisalabad	2,071.79	6.29	0.30%	Expensive
48	1638	Tandilianwala	Faisalabad	1,965.42	5.97	0.30%	Expensive
49	1637	Silanwali	Faisalabad	1,649.54	5.56	0.34%	Expensive
50	1623	Liaquatabad	Faisalabad	1,612.80	7.52	0.47%	Expensive
51	1708	DG Khan-II	Multan	4,236.83	10.70	0.25%	Expensive
52	1733	Renala khurd	Multan	3,323.74	8.50	0.26%	Expensive
53	1706	Depalpur	Multan	2,646.22	6.94	0.26%	Expensive
54	1714	Kot Addu	Multan	2,952.73	7.88	0.27%	Expensive
55	1723	Multan-VII	Multan	3,706.26	10.25	0.28%	Expensive
56	1725	Multan-IX	Multan	3,049.59	8.52	0.28%	Expensive
57	1727	Multan-XI	Multan	2,779.07	7.80	0.28%	Expensive
58	1737	Shujabad	Multan	3,075.01	8.64	0.28%	Expensive
59	1736	Sahiwal-III	Multan	2,731.08	7.70	0.28%	Expensive
60	1740	Okara-II	Multan	2,203.43	6.45	0.29%	Expensive
61	1702	Alipur	Multan	2,023.85	6.32	0.31%	Expensive
62	1732	Rajanpur	Multan	1,706.66	6.28	0.37%	Expensive
63	1711	Jampur	Multan	1,701.91	6.66	0.39%	Expensive
64	1710	Jahanian	Multan	1,733.76	6.85	0.40%	Expensive
65	1738	Taunsa Sharif	Multan	1,579.59	6.45	0.41%	Expensive
66	1712	Kabirwala	Multan	1,681.48	7.49	0.45%	Expensive
67	1701	Abdul Hakeem	Multan	1,128.10	5.56	0.49%	Expensive
68	1729	Okara Cantt	Multan	1,167.35	6.64	0.57%	Expensive
69	1742	Multan-DHA	Multan	342.94	7.55	2.20%	Expensive
70	1816	Lodhran	Bahawalpur	3,135.63	8.41	0.27%	Expensive
71	1811	Hasilpur	Bahawalpur	2,727.24	7.45	0.27%	Expensive
72	1805	Bahawalpur-3	Bahawalpur	4,089.91	11.54	0.28%	Expensive
73	1801	Ahmedpur East	Bahawalpur	2,426.56	7.08	0.29%	Expensive
74	1804	Bahawalpur-2	Bahawalpur	7,126.77	22.50	0.32%	Expensive
75	1817	Mailsi	Bahawalpur	1,755.87	7.00	0.40%	Expensive
76	1815	Liaqatpur	Bahawalpur	2,007.78	9.11	0.45%	Expensive
77	1821	Yazman	Bahawalpur	1,284.72	6.71	0.52%	Expensive
78	1808	Dahranwala	Bahawalpur	1,410.87	7.39	0.52%	Expensive
79	1812	Kehrorpacca	Bahawalpur	997.42	7.36	0.74%	Expensive
80	1809	Fortabbas	Bahawalpur	692.28	5.29	0.76%	Expensive
81	1813	Khairpur Tamewali	Bahawalpur	740.88	7.21	0.97%	Expensive
82	1818	Minchinabad	Bahawalpur	455.16	6.57	1.44%	Expensive
83	1926	Sukkur-III	Sukkur	2,412.67	6.25	0.26%	Expensive
84	1919	Rato Dero	Sukkur	2,088.85	6.19	0.30%	Expensive
85	1917	Pano Akil	Sukkur	2,126.66	7.28	0.34%	Expensive
86	1914	Moro	Sukkur	1,968.11	7.82	0.40%	Expensive
87	1927	Sukkur-IV	Sukkur	2,474.07	10.24	0.41%	Expensive
88	1906	Kamber Ali Khan	Sukkur	941.44	5.34	0.57%	Expensive
89	2003	Digri	Hyderabad	2,236.54	6.72	0.30%	Expensive
90	2001	Badin	Hyderabad	2,017.32	6.10	0.30%	Expensive
91	2022	Shahdadpur	Hyderabad	2,215.03	6.71	0.30%	Expensive
92	2024	Tando Adam	Hyderabad	1,528.57	6.70	0.44%	Expensive
93	2020	Sakrand	Hyderabad	1,142.13	6.84	0.60%	Expensive
94	2029	Matiari	Hyderabad	513.11	5.80	1.13%	Expensive
95	2106	Bohrapir	Karachi	4,843.95	15.94	0.33%	Expensive
96	2105	Mahmoodabad	Karachi	3,824.54	13.92	0.36%	Expensive
97	2132	Super Market	Karachi	2,400.44	9.55	0.40%	Expensive
98	2130	Shershah	Karachi	3,012.94	16.32	0.54%	Expensive
99	2119	Orangi Town	Karachi	1,309.85	8.72	0.67%	Expensive
100	2209	Quarry Road	Quetta	1,899.04	10.76	0.57%	Expensive
101	2212	Sibbi	Quetta	1,822.82	11.70	0.64%	Expensive
102	2206	Masjid Road	Quetta	2,060.54	13.78	0.67%	Expensive
103	2204	Khuzdar	Quetta	1,044.23	8.04	0.77%	Expensive
104	2214	Turbat	Quetta	1,280.92	10.80	0.84%	Expensive
105	2211	Meconghy Road	Quetta	1,471.18	12.49	0.85%	Expensive
106	2201	Brewery Road	Quetta	1,243.07	12.33	0.99%	Expensive
107	2202	Dera Murad Jamali	Quetta	621.31	7.54	1.21%	Expensive
108	2207	Mastung	Quetta	528.62	8.09	1.53%	Expensive
109	2205	Loralai	Quetta	275.29	8.28	3.01%	Expensive
110	2208	Pishin	Quetta	68.63	7.38	10.75%	Expensive
111	2215	Gawadar	Quetta	71.92	7.78	10.82%	Expensive

The affected centers have been directed to prepare plans to either lower their operating costs or increase deposits and business activity.

According to a notification, a center that cannot become financially viable may be shut down and its operations merged with a nearby functional center.

National Savings has also given centers the option of relocation. Centers operating in areas with limited business activity can be moved to locations with stronger business and investment potential.

Regional directorates must submit business improvement or relocation plans within 15 days where a move is proposed.

If a center is closed, the concerned authorities will also have to submit details of all employees posted there, along with their residential locations and preferred locations for future deployment.

The measures are aimed at reducing operational expenses and improving the business performance of National Savings centers.