The Central Directorate of National Savings has set a competitive profit rate for Defence Savings Certificates in April 2025.
This rate, updated in March 2025, will stay in effect until the next adjustment. Aimed at Pakistani citizens, including those living abroad, these certificates offer a 10-year investment opportunity.
Both Pakistani nationals and overseas Pakistanis can invest, and adults can also buy them on behalf of one or two minors, or jointly with a minor.
To purchase, individuals can visit any National Savings Centre (NSC) and fill out the free SC-I Application Form. The minimum investment starts at Rs500, with no upper limit.
Read More: Defence Savings Certificates: Latest profit on Rs100,000 investment
The Qaumi Bachat kept the profit rate of Defence Savings Certificates for March 2025 and onwards at 12.15 percent. The same profit rate will stay in effect until the next adjustment.
Payable Amount (Principal + Profit ) On Investment of Every Rs.100,000
First Year Rs109,000
Second Year Rs119,000
Third Year Rs130,000
Fourth Year Rs143,000
Fifth Year Rs159,000
Sixth Year Rs179,000
Seven Year Rs204,000
Eighth Year Rs235,000
Ninth Year Rs272,000
Tenth Year Rs316,000
Tax/Zakat Deduction
The taxes and Zakat are deducted on the profits in line with the policy of the State Bank of Pakistan.
The withholding tax for filers has been fixed at 15 percent while it is 30 percent for non-fielders.
