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In a recent development, the federal government has officially reduced profit rates on several National Savings Schemes, with the changes taking effect from July 28, 2025. The move comes as part of a broader financial adjustment in line with ongoing fiscal strategies.
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Revised Profit Rates – Key Changes
Special Savings Certificates
- Previous Rate: 10.6%
- New Rate: 10.4%
Bahbood Savings Certificates, Pensioners’ Benefit Accounts, and Shuhada Family Welfare Accounts
- Previous Rate: 13.20%
- New Rate: 12.96%
Defence Savings Certificates
- Cumulative Return Over 9 Years:
- Before: 162%
- Now: 161%
- 10-Year Return:
- Before: 204%
- Now: 200%
Short-Term Savings Certificates
- Rates: Reduced (exact figures not disclosed yet)
Regular Savings Account
- Status: Unchanged at 9.50%
Islamic Accounts See an Increase
In a contrast to the reductions, the government has increased the profit rates on:
- Sarwa Islamic Term Accounts
- Islamic Savings Accounts
This adjustment appears to be aimed at encouraging Shariah-compliant investments and diversifying the portfolio of savings options.
Implications for Investors
The revised profit structure may prompt investors to reassess their savings strategies. Retirees and pensioners relying on Bahbood and Pensioners’ Benefit Accounts might feel a mild pinch. Meanwhile, those seeking Islamic investment avenues could benefit from the upward adjustment in Sarwa products.
Conclusion
The changes mark the government’s continuing effort to balance public savings incentives with broader macroeconomic needs. Investors are advised to monitor profit rate trends closely and diversify portfolios accordingly.
