CDNS lowers profit rates on major savings schemes

ISLAMABAD: The Central Directorate of National Savings (CDNS) has lowered profit rates on several of its popular savings schemes, with the revised returns taking effect from July 28, 2025.

According to a report by brokerage firm Arif Habib Limited, the Short-Term Savings Certificates now offer a return of 10.14 per cent, down by 26 basis points. Regular Income Certificates have also seen a notable reduction, with their return dropping to 10.68 per cent from the previous 11.16 per cent.

The rate for Defence Savings Certificates has gone down slightly to 11.61 per cent, while the Bahbood Savings Certificates and the Pensioners Benefit Account now both offer 12.96 per cent returns, following cuts of 24 basis points. The same applies to the Shuhda Family Welfare Account.

Returns on the Special Savings Certificate and Special Savings Account have also declined, now standing at 10.4 per cent, a drop of 20 basis points.

However, not all schemes saw cuts. The Serwa Islamic Savings Account and the Serwa Islamic Term Account saw a small increase of 19 basis points, bringing the new return to 9.94 per cent for both.

CDNS is one of Pakistan’s largest financial institutions, with over Rs3.4 trillion in assets and more than 4 million customers. It operates through a network of 376 branches across the country, overseen by 12 regional directorates.

The organisation plays a key role in helping the government meet its financing needs and fund development projects.

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