Current Profit/ Interest Rate of Each National Savings Scheme

The current profit/ interest rate of each scheme of national savings centres are as under:

Name of National Savings SchemeProfit/Interest rate (per annum) applicable from August 28, 2020
Defence Savings Certificates8.49%
Special Savings Certificates/Accounts7.77% (Average)
Regular Income Certificates8.04%
Bahbood Savings Certificates10.32%
Short Term Savings Certificates6.60% (03 Months)
6.80% (06 Months)
6.80% (12 Months)
Savings Accounts5.50%
Pensioners’ Benefit Account10.32%
Shuhada Welfare Family Account10.32%
National Prize Bonds10.00%
Premium Prize Bonds (Registered)6.79%

Modes of receiving profit payments

The investors of National Savings have multiple options for collection of payments/profits without any risk of carrying hard cash or paying personal visit to the concerned National Savings Centers.

The Customers of the Central Directorate of National Savings (CDNS) can receive their profit payments in various modes.


Customers/citizens are not required to visit the NSCs for the sake of receiving profits.

As far as the matter of profit payment is concerned, National Savings has deployed its new Core Business Application in 329 NSCs out of a total of 376 NSCs.

In this automated environment, customers are treated on a fast and efficient track with minimum paperwork involved.


The CDNS is in the process of transformation and restructuring by adopting information technology in its operations.

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