Govt Revises Profit Rates on Different National Savings Schemes

The government has announced a revision in the profit rates of National Savings Schemes (NSS), with the updated rates coming into effect from September 17, 2025.

Key Changes in Profit Rates

According to the notification, profit rates have seen both increases and a slight decrease across different investment categories:

• Short-Term Savings Certificates (STSC): 10.42% — up by 6 basis points (bps) from 10.36%.
• Defence Savings Certificates (DSC): 11.42% — down by 12 bps from 11.54%.
• Serwa Islamic Saving Account: 9.92% — up by 42 bps from 9.50%.
• Serwa Islamic Term Account: 9.92% — up by 42 bps from 9.50%.

Overview

This latest adjustment reflects the government’s ongoing strategy to align savings returns with market trends and monetary policy dynamics.

While Short-Term Savings Certificates and Islamic saving products witnessed an upward revision, the Defence Savings Certificates saw a marginal cut in returns.

The move is expected to influence investors’ portfolio choices, particularly among small savers and retirees who rely on NSS instruments for steady income.