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National Savings profit rates

National Savings offers certificates and accounts whose profit rates the government sets and revises from time to time. The list below shows each rate with the date on which the National Savings page says it took effect.

Profit rates by certificate

Rates in force from the date on the National Savings page. Where the page gives a range, the figure is the start of the range.

Special Savings Certificate
12.00%start of the published range; the full table is in the PDF linked at the source
Regular Income Certificate
12.12%profit rate as published
Behbood, Pensioner and Shuhada Savings
12.96%profit rate as published
Short-Term Savings Certificates
11.12%start of the published range; the full table is in the PDF linked at the source
Savings Account
10.00%profit rate as published
Sarwa Term
11.84%start of the published range; the full table is in the PDF linked at the source

Source: National Savings, latest profit rates.

What the list shows

Each line is one certificate or account, with the profit rate as published. Where the page gives a range, we print the start of the range and point to the full table on the National Savings site.

The rates change when the government revises them, and a certificate you buy keeps the terms printed on it. Check the page for the date before you rely on a figure.

How this differs from a mutual fund

A certificate pays a profit rate set by the issuer for its term. A mutual fund unit has a price that moves with the fund's holdings, and its past return is not a rate anyone has promised.

Tax is withheld at source and depends on your status with the tax authority. Read the current rules on the tax authority's site, because this page does not reprint them.

A common mistake

Comparing a certificate's profit rate with a fund's past return as if both were promised. Only the first is set in advance.

Sources 1

Every figure on this page points to one of these. The date is the day we read the source.

  1. 1GovernmentLatest profit rates, National Savingssavings.gov.pkcertificate profit rates