• Pensioner, Behbod is returned adjusted to 13.68%.
• Sarwa Islamic accounts now offer 10.44% return.
• MPC decision to keep interest rates requesting changes in deserves.

Karachi: Central Directorate of National Savings (CDNS) has revised surplus rates for several national savings schemes after the State Bank of Pakistans (SBP) Monetary Policy Committee (MPC) decision to keep the policy rate unchanged to 12%, The news reported.

As part of the audit, the return on short -term savings certificates (STSC) has been raised by 15 basic points to 10.96%, up from the previous 10.81%. While defense -saving certificates (DSC) now offer a slightly higher return of 12.15%, 1 basic point increased from 12.14%.

Meanwhile, the return on the pension benefit account, the WEBOD SAVINGS CERTIFATE and Shuhada Family Welfare account has been raised by 10 bps to 13.68%.

The Sarwa Islamic Term account (SITA) and Sarwa Islamic Saving Account (SISA) also experienced a significant increase, with rates increasing by 70 bps to 10.44% each from the previous 9.74%. In contrast, the savings account has been reduced by 100 bps, which now offers a return of 10.5%, down from 11.5%.

The CDNs are Pakistan’s largest financial institution, which manages assets exceeding RS3.4 trillion and serving over four million customers through a nationwide network of 376 branches across the country, managed by 12 regional director.

It plays an important role in helping the government fund its budget deficits and support key infrastructure projects.

These changes in profit returns come after SBP’s MPC decision to keep the political rate stable at 12%, one step consistent with the effort to control inflation and support financial stability.

Inflation, measured by the consumer price index (CPI), slowed down to 1.5% in the previous year in February 2025, down from 2.4% in January, marking the lowest inflation of 113 months, according to the Pakistan Bureau of Statistics (PBS).