CDNS Revised Profit Rates January 2026 have officially come into effect from January 5, 2026, marking a fresh adjustment across Pakistan’s national savings landscape. The Central Directorate of National Savings (CDNS) has revised profit rates on both conventional and Islamic savings schemes to better align with prevailing market dynamics, monetary policy trends, and broader economic conditions.
These revisions directly impact retirees, pensioners, long-term investors, and short-term savers who rely on National Savings schemes for stable and predictable returns.
CDNS Revised Profit Rates January 2026 for Long-Term Savings Schemes
Under the latest notification, Defence Savings Certificates (DSC) now offer a profit rate of 11.08% per annum for a 10-year tenure, following a reduction of 23 basis points. This adjustment reflects easing yields in the broader interest rate environment.
Similarly, socially targeted savings instruments—Behbood Savings Certificates (BSC), Pensioners Benefit Accounts (PBA), and Shuhada Family Welfare Accounts (SFWA) have seen their profit rates reduced by 24 basis points. These schemes now provide a return of 12.48% per annum over a 10-year period, maintaining their position as relatively high-yield options for pensioners, widows, and families of martyrs.
Regular Income and Special Savings Under CDNS Revised Profit Rates January 2026
The Regular Income Certificates (RIC), popular among investors seeking monthly income, now carry a profit rate of 10.56% per annum for a 5-year tenure, after a 36 basis point reduction. Despite the cut, RICs remain a reliable income-generating instrument in a declining rate cycle.
In contrast, CDNS has increased returns on Special Savings Certificates (SSC) and Special Savings Accounts (SSA). These schemes now offer 11.00% per annum for a 3-year tenure, following a 40 basis point increase, making them more attractive for medium-term investors looking to balance yield and liquidity.
Short-Term Investments in CDNS Revised Profit Rates January 2026
Short-duration investors will find differentiated returns across Short Term Savings Certificates (STSC). As per the revised structure:
• A 3-month STSC offers 10.32% per annum
• A 6-month STSC provides 10.36% per annum
• A 12-month STSC yields 10.68% per annum
These rates indicate CDNS’s intent to keep short-term instruments competitive while remaining aligned with policy rate expectations.
Meanwhile, the Savings Account rate has been reduced by 50 basis points and now stands at 9.00% per annum on a running account basis, impacting depositors who prioritize liquidity over returns.
Islamic Savings Schemes and CDNS Revised Profit Rates January 2026
In the Islamic finance segment, the Sarwa Islamic Savings Account (SISA) now offers a profit rate of 9.96% per annum on a running basis, reflecting a 4 basis point increase from the previous rate.
For fixed-tenure Islamic investments, the Sarwa Islamic Term Account (SITA) presents mixed adjustments:
• 9.96% per annum for 1 year (up 4 basis points)
• 10.20% per annum for 3 years (down 10 basis points)
• 10.44% per annum for 5 years (down 12 basis points)
These selective changes highlight CDNS’s nuanced approach to Islamic savings products across different maturities.
Premium Prize Bonds and Market Alignment
The Premium Prize Bonds (Registered) continue to offer a return of 2.92% per annum, with bi-annual profit payments, unchanged under the CDNS Revised Profit Rates January 2026. This stability maintains their appeal among risk-averse investors seeking periodic income with prize incentives.
What CDNS Revised Profit Rates January 2026 Mean for Investors
The latest revision underscores CDNS’s ongoing effort to align national savings returns with policy rates, inflation trends, and fiscal conditions. While some long-term and income-focused instruments have seen reductions, targeted increases in special and short-term schemes provide investors with strategic alternatives.
For savers, these changes highlight the importance of tenure selection, diversification, and timing when investing in National Savings schemes amid a shifting economic landscape.