The federal government has revised profit rates on several National Savings schemes, increasing returns on a range of certificates and accounts to make government-backed investments more attractive to savers.

According to a notification from the National Savings Department, the updated rates came into effect on May 26, 2026.

Under the revised structure, Special Savings Certificates and Special Savings Accounts will now offer an annual return of 11.6% for the first five profit payouts, while the final payout has been set at 12.4%.

Profit rates on Short Term Savings Certificates have also been increased. The three-month instrument now carries an annual return of 10.84%, the six-month certificate offers 10.58%, and the one-year certificate provides 11.23%.

The rate for regular Savings Accounts has been set at 10% per annum.

However, several long-term and welfare-focused schemes remain unchanged. Defence Savings Certificates, Bahbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts continue to offer 12% annual returns.

In Islamic investment products, expected returns have also been adjusted. The one-year Sarwa Islamic Term Account now offers 10.93%, while the five-year option carries an expected return of 11.16%.

National Savings schemes remain one of the country’s largest retail investment channels, widely used by pensioners, retirees, and low-risk investors seeking stable government-backed income. Rates are typically adjusted in line with broader interest rate and monetary policy trends.