In May 2025, the Central Directorate of National Savings, Qaumi Bachat, announced revised profit rates for its popular investment schemes amid declining inflation in Pakistan.
The National Savings rates for Special Savings Certificates have been decreased, while Behbood Savings Certificates have experienced a slight increase.
National Saving Special Savings Certificates, a three-year investment plan favouring small and medium investors, offer bi-annual interest payments with no maximum investment limit. For May 2025, the profit rate is 10.90% for the first five semi-annual periods, rising to 11.90% for the sixth. An investment of Rs 100,000 yields Rs 5,800 per period for the first five and Rs 5,900 for the final period.
Taxation includes a 15% withholding tax for Active Taxpayers (ATL) and 30% for non-filers, ensuring compliance with fiscal regulations.
Following a review in March, the profit rate for Behbood Savings Certificates has been updated to 13.68% for May 2025. With an investment of Rs 100,000, you can now earn a monthly profit of Rs 1,140, making it an appealing option for those seeking a steady income.
Both schemes provide secure, government-backed investment options for Pakistanis seeking reliable returns. The Special Savings Certificates suit those wanting bi-annual payouts, while Behbood Savings Certificates cater to monthly income needs. These adjustments reflect Qaumi Bachat’s response to economic trends, ensuring investor confidence.
The revised Pakistan investment rates are effective throughout May 2025, pending further updates from Qaumi Bachat. Investors are encouraged to consult with National Savings centres for personalised advice.
