The government has reduced the profit rates on two major National Savings schemes, with revised returns for Defence Savings Certificates and Behbood Savings Certificates coming into effect in September 2026.
Under the new structure, Defence Savings Certificates have a maturity period of 10 years. An investment of Rs100,000 is projected to grow to Rs300,000 by the end of the 10 years.
The accumulated value of the Rs100,000 investment is set at Rs110,000 after the first year, increasing to Rs121,000 in the second year and Rs133,000 in the third year. The amount rises to Rs147,000 in the fourth year and Rs163,000 in the fifth year. By the sixth year, the investment reaches Rs182,000, followed by Rs204,000 in the seventh year.
The accumulated amount is expected to reach Rs230,000 in the eighth year and Rs262,000 in the ninth year before reaching Rs300,000 at maturity in the tenth year. The government has also lowered the profit rate for Behbood Savings Certificates under the revised September 2026 rates.
Investors in the Behbood scheme will now receive a monthly profit of Rs1,050 on an investment of Rs100,000. This is equivalent to an annual profit rate of 12.60%. Behbood Savings Certificates were introduced to provide financial support to widows and senior citizens, making the scheme an important savings option for these groups. The revised rates are part of the government’s latest adjustment to returns offered through National Savings schemes.