Key Takeaways
- The federal government has reduced profit rates for several National Savings Schemes.
- Investments in the Regular Income Certificate now yield Rs. 960 per month.
- Annual profit rates have been cut across various savings certificates.
The federal government has announced significant reductions in profit rates for multiple National Savings Schemes, impacting pensioners and regular investors. According to an official notification from the National Savings, these changes will affect several popular schemes including the Regular Income Certificate (RIC), Behbood Savings Certificate, Pensioners’ Benefit Account, Special Savings Certificate, and Shuhada Family Welfare Account.
Under the new rates, a Rs. 100,000 investment in the RIC will now generate a monthly profit of Rs. 960, down from previous returns. The Behbood Savings Certificate and Pensioners’ Benefit Account have seen their annual profit rate reduced to 12.96 percent, while the Special Savings Certificate offers an annualized return of 11.2 percent for the first six months and 12.6 percent for the remaining six months.
The government has also lowered the annual profit rate on the Shuhada Family Welfare Account to 12.96%. These revised rates apply immediately to all affected schemes, impacting thousands of investors who rely on these savings instruments for financial security.
An official from National Savings stated that the changes are part of a broader economic strategy aimed at managing national finances more efficiently. However, this move has raised concerns among pensioners and regular investors who have seen their returns diminish significantly.
The announcement was made through an official notification on July 19, 2026, and is expected to affect the financial planning and savings strategies of many Pakistanis. The government has not provided a specific timeframe for when these changes will be reviewed or potentially adjusted in future.
Investors are advised to review their current investments and consider alternative options if necessary. Financial experts recommend diversifying investment portfolios to mitigate risks associated with fluctuating profit rates.
