Learn about National Savings Schemes 2025 in Pakistan including Defence Savings Certificates, Special Savings Certificates, Digital Prize Bonds, mobile app services, profit rates, eligibility, investment limits, and FAQs.
Overview of National Savings Schemes 2025
The National Savings Organization (CDNS) is Pakistan’s largest financial institution with a portfolio of over Rs. 3.4 trillion and more than 4 million investors. With 376 branches across the country and 12 Regional Directorates, National Savings has been promoting the culture of savings for more than 140 years.
Established under the Government Savings Bank Act of 1873, the institution played a crucial role during both World Wars by raising funds. Later, after independence in 1947, National Savings continued as one of the country’s most trusted financial institutions.
Today, National Savings is not just a custodian of the nation’s wealth but also a reliable source of financing for the Government’s budgetary deficit and infrastructure projects.
Vision, Mission & Values
- Vision: To promote thrift and mobilize national savings.
- Mission: To be the preferred institution for small savers, ensuring financial inclusion and providing a social security net to deserving communities.
New Initiatives under National Savings Schemes 2025
1. Launch of Digital Prize Bonds
- Paper-based prize bonds are being replaced with digital prize bonds.
- Prize money will be directly credited to customers’ accounts.
- No need to physically store bonds.
2. Scripless National Savings Certificates with CDC
CDNS in collaboration with the Central Depository Company (CDC) has introduced digital book-entry certificates including:
- Special Savings Certificates (SSC-R)
- Defence Savings Certificates (DSC)
- Regular Income Certificates (RIC)
Benefits:
- No physical paperwork
- Digital conversion of existing certificates
- Profit and maturity payments directly in bank accounts
- Centralized portfolio management
3. Digital Mobile Application
The CDNS mobile app offers:
- Digital product purchases
- Bill payments & mobile top-up
- Account statements & tax certificates
- Complaint management & IBFT transfers
4. SMS & Email Alert Services
Upcoming feature for real-time profit and account updates.
Key National Savings Schemes 2025
Defence Savings Certificates (DSC)
Introduced in 1966, Defence Savings Certificates are among the most popular schemes.
Salient Features:
- Eligibility: Adults (single/joint), minors, and overseas Pakistanis
- Investment Limit: No maximum limit
- Maturity Period: 10 years (auto reinvestment if not encashed)
- Encashment: Allowed after 1 month
- Mode of Deposit: Cash or cheque
Profit Example (on Rs. 100 invested @ 9.46% rate):
| Duration | Value (Rs.) |
|---|---|
| 1 Year | 105.0 |
| 5 Years | 138.0 |
| 10 Years | 247.0 |
Special Savings Certificates (SSC)
Introduced in 1990, SSCs are designed for medium-term investors.
Features:
- Maturity Period: 3 years
- Denominations: Rs. 500 to Rs. 1,000,000
- Profit Payment: Every 6 months
- Auto Reinvestment: If profit is not withdrawn, it is reinvested automatically
Profit Example (on Rs. 100 invested @ 8.60% rate):
| Duration | Value (Rs.) |
|---|---|
| 6 Months | 4.20 |
| 1.5 Years | 13.13 |
| 3 Years | 28.59 |
Why Choose National Savings Schemes 2025?
- Safe and government-backed investments
- Flexible profit payment schedules
- Options for both short-term and long-term savers
- Now available in digital formats for added security and convenience
- Accessible for overseas Pakistanis as well
Frequently Asked Questions (FAQs)
Q1: What is National Savings Schemes 2025?
Ans: It is a range of government-backed investment options including Defence Savings Certificates, Special Savings Certificates, and new digital services.
Q2: Can overseas Pakistanis invest in National Savings?
Ans: Yes, overseas Pakistanis can invest through designated overseas bank branches of HBL and UBL.
Q3: What are the profit rates of Defence Savings Certificates in 2025?
Ans: Current profit rate is around 9.46%, subject to revision by the government.
Q4: Is there a maximum investment limit in DSC?
Ans: No, there is no maximum investment limit in Defence Savings Certificates.
Q5: How often is profit paid on Special Savings Certificates?
Ans: Profit is paid every six months.
Q6: What happens if I don’t encash DSC after maturity?
Ans: The investment is automatically reinvested for another 10 years.
Q7: Can I purchase savings certificates online?
Ans: Yes, with the introduction of digital certificates in collaboration with CDC.
Q8: Is Zakat deducted on National Savings Schemes?
Ans: Yes, Zakat is deducted at the time of encashment.
Q9: What is the benefit of digital prize bonds?
Ans: They remove the need for physical custody and directly credit prize winnings to accounts.
Q10: Is there withholding tax on profits?
Ans: Yes, 10% withholding tax is deducted if profit exceeds Rs. 150,000.
Final Words for National Savings Schemes
The National Savings Schemes 2025 continue to be the backbone of Pakistan’s savings culture, offering reliable, government-backed investment opportunities for citizens and overseas Pakistanis alike. With the introduction of digital prize bonds, mobile applications, and scripless certificates, CDNS is now moving towards a more modern, transparent, and customer-friendly system.
Whether you are a small saver, a retiree, or an overseas investor, National Savings Schemes provides safe and profitable investment options with the added convenience of digital accessibility.
Latest Government Schemes
Visit our website for more Updates about Government Schemes :
For More SCHEMES like this visit here :
https://pakgovschemes.pk/pave-pm-e-bike-and-e-rickshaw-program-2025/