CDNS Reduces Profit Rates on Regular Income Certificates – Full Details

The Central Directorate of National Savings (CDNS), also known as Qaumi Bachat, has once again lowered the profit rate on its popular savings product — the Regular Income Certificates (RICs). This change came after the State Bank of Pakistan (SBP) revised its interest rates, which directly impacts savings schemes.

Regular Income Certificates (RICs) were first introduced by the Government of Pakistan in 1993. These certificates are a type of fixed-income investment, which means you get a steady profit each month over a fixed period. The RICs have a maturity period of five years, which means your investment will reach its full value after five years.

People can buy these certificates in different amounts, starting from as low as Rs 50,000 and going up to Rs 10,000,000. These options make it easier for both small and large investors to benefit from a regular monthly income.

New Profit Rate for RICs

According to the latest update by National Savings, the new profit rate for Regular Income Certificates is 11.52%. This means if someone invests Rs 100,000, they will now receive Rs 960 per month. Previously, the monthly return for the same amount was Rs 979, which shows a slight decrease in monthly income.

Zakat and Other Certificates

It’s important to note that investments in Regular Income Certificates are exempt from Zakat deductions, making them more attractive for many investors, especially during the religious months.

In addition to lowering the profit rates on RICs, the CDNS has also reduced profit rates on other popular saving schemes. These include:

• Behbood Savings Certificates
• Defence Savings Certificates
• Special Savings Certificates

Each of these certificates is designed to meet the needs of different types of investors.

Defence Savings Certificates: Long-Term Investment

Defence Savings Certificates (DSCs) are meant for people looking for long-term investment options. These certificates come with a 10-year maturity period, which means the investor will receive full benefits after 10 years. Both Pakistani citizens and overseas Pakistanis are eligible to buy these certificates.

To invest, one must visit any National Savings Centre (NSC) and fill out the SC-I application form, which is available free of cost. This makes the process easy and accessible for everyone.

Meanwhile, the National Savings has made a small increase in the profit rate for Behbood Savings Certificates. After a review in March 2025, the revised rates will now be applied from May 2025 onwards, until another announcement is made.

The new profit rate for Behbood Savings Certificates is 13.68%. So, if someone invests Rs 100,000, they will now receive Rs 1,140 per month in profit. This change is good news for senior citizens, widows, and pensioners, as Behbood Certificates are mainly targeted towards them.

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