The Central Directorate of National Savings (CDNS) has announced that Defence Savings Certificates will maintain a competitive profit rate of 12.15% for April 2025.
The 12.15% profit rate will remain effective until the next adjustment by the CDNS. These certificates provide a 10-year investment term, making them a secure, long-term savings option. For an investment of Rs100,000, the payable amount (principal + profit) will be calculated based on the compounded profit rate, detailed in official CDNS resources.
Eligibility and Investment Process
Defence Savings Certificates are accessible to:
- Pakistani nationals residing in Pakistan or abroad.
- Adults purchasing on behalf of one or two minors, or jointly with a minor.
To invest, visit any National Savings Centre (NSC) and complete the free SC-I Application Form. The minimum investment is Rs500, and there is no upper limit, offering flexibility for all investors.
Tax and Zakat Deductions
Profits are subject to taxes and Zakat as per the State Bank of Pakistan policies:
- Withholding tax: 15% for tax filers, 30% for non-filers.
- Zakat: Deducted per applicable regulations.
These deductions ensure compliance with Pakistan’s financial regulations while maintaining transparency for investors.
Why Choose Defence Savings Certificates?
Defence Savings Certificates are a trusted investment vehicle backed by the Government of Pakistan. They offer:
- A stable, competitive profit rate.
- Accessibility for both local and overseas Pakistanis.
- Flexibility for investments of any size.
- A secure option for long-term financial planning.
For detailed profit calculations, such as the return on a Rs100,000 investment, refer to the official CDNS website or contact your nearest National Savings Centre. Stay informed about future rate adjustments to maximise your savings.
Payable Amount (Principal + Profit) on Investment of Rs.100,000
| Year | Payable Amount (Rs.) |
|---|---|
| First Year | 109,000 |
| Second Year | 119,000 |
| Third Year | 130,000 |
| Fourth Year | 143,000 |
| Fifth Year | 159,000 |
| Sixth Year | 179,000 |
| Seventh Year | 204,000 |
| Eighth Year | 235,000 |
| Ninth Year | 272,000 |
| Tenth Year | 316,000 |
