The Central Directorate of National Savings has set a competitive profit rate for Defence Savings Certificates in May 2025.
This rate, updated in March 2025, will stay in effect in May 2025 without any change. 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 Defence Savings Certificates on behalf of one or two minors, or jointly with a minor.
Individuals can visit any National Savings Centre (NSC) and fill out the free SC-I Application Form to purchase. The minimum investment starts at Rs500, with no upper limit.
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 | Rs 109,000 |
| Second Year | Rs 119,000 |
| Third Year | Rs 130,000 |
| Fourth Year | Rs 143,000 |
| Fifth Year | Rs 160,000 |
| Sixth Year | Rs 181,000 |
| Seventh Year | Rs 206,000 |
| Eighth Year | Rs 235,000 |
| Ninth Year | Rs 270,000 |
| Tenth Year | Rs 314,000 |
Tax/Zakat Deduction
The taxes and Zakat are deducted from 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-filers.
Read More: NADRA offers free NICs for first-time applicants
The National Database and Registration Authority (NADRA) has taken a key step, offering first-time applicants the opportunity to get their national ID cards made free of charge.
This step is to make the ID registration easier for Pakistani citizens. Also, the integration of smart features into the non-chip ID card system makes it more prominent.
As per the new policy, individuals who are going to apply for their first Computerised National Identity Card (CNIC) may visit NADRA centres and receive their non-chip ID card free of cost.