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Here is List of National Savings Scheme Profit Rates 2024

Pakistanis Heavily Invest in CDNS for Secure and Stable Returns

Many Pakistanis invest in the Central Directorate of National Savings (CDNS) due to the safety, stable returns, and diverse product offerings tailored to various needs, including schemes for senior citizens and marginalized groups. National Savings, a primary channel for savings in Pakistan, boasts a portfolio valued at Rs 3.2 trillion, accounting for about 14 percent of the country’s total banking deposits and serving around 3 million customers.

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National Savings Scheme Profit Rates 2024

S.NoName of Schemew.e.f. 10-04-2023w.e.f. 24-03-2024Maturity PeriodTax Status
1Defence Savings Certificates14.87%13.36%10 YearsTaxable
2Special Savings Certificates/Accounts17.13% (Average)15.93% (Average)3 YearsTaxable
3Regular Income Certificates12.84%14.76%5 YearsTaxable
4Savings Account18.50%20.50%Running AccountTaxable
5Pensioners’ Benefit Account16.56%15.60%10 YearsTax exempt
6Bahbood Savings Certificates16.56%15.60%10 YearsTax exempt
7Shuhada Family Welfare Account16.56%15.60%10 YearsTax exempt
8National Prize Bonds (Bearer)10.00%10.00%PerpetualTaxable
9Premium Prize Bonds (Registered)12.92%**16.40%*PerpetualTaxable
10Short Term Savings Certificates (STSC)
STSC 3 Months19.92%19.40%3 MonthsTaxable
STSC 6 Months19.64%19.38%6 MonthsTaxable
STSC 12 Months19.82%19.00%12 MonthsTaxable
11SARWA Islamic Savings Schemes
SISA20.50%Running AccountTaxable
SITA 1 Year18.54%1 YearTaxable
SITA 3 Year15.25%3 YearTaxable
SITA 5 Year14.76%5 YearTaxable

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CDNS provides a financial safety net for the general public, particularly senior citizens, pensioners, widows, differently-abled individuals, and families of martyrs from the war against terror. This is achieved through a diverse product mix of National Savings Schemes (NSS) to meet various customer needs.

The directorate recently introduced two new products: SARWA Islamic Savings Schemes, a Shariah-compliant option, and digital savings schemes, which have collectively attracted a net investment of Rs 78 billion. These new products add to the already extensive range of NSS offerings.

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The NSS product range includes options from 3-month Short-Term Savings Certificates (STSC) to 10-year long-term Defence Savings Certificates, catering to different investment horizons and customer preferences.

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