The CDNS new profit rates 2026 are now in effect, bringing changes to returns across most National Savings schemes. The revised rates apply from January 5, 2026, and reflect a broader shift toward lower interest rates following recent monetary policy adjustments.
These updates matter for millions of savers who rely on National Savings for stable, low-risk returns—especially pensioners and fixed-income households.
What’s included in the CDNS rate update
According to the latest figures compiled by Central Directorate of National Savings (CDNS), profit rates were reduced on the majority of conventional schemes, while Islamic savings products saw slight increases.
Key changes under the CDNS new profit rates 2026 include:
-
Savings Account: reduced to 9.00%
-
Special Savings Certificates: now 10.20%
-
Regular Income Certificates: revised to 10.56%
-
Defence Savings Certificates: adjusted to 11.08%
-
Behbood Savings Certificate, Pensioners’ Benefit Account, Shuhada Family Welfare Account: each set at 12.48%
These cuts range from 23 to 50 basis points, depending on the product.
Islamic savings rates move slightly higher
While most conventional schemes saw lower returns, Islamic savings accounts moved in the opposite direction. The Sarwa Islamic Term Account and Sarwa Islamic Saving Account were both increased marginally to 9.96%. Though the increase is small, it stands out in the current rate cycle.
Why CDNS reduced profit rates in 2026
The adjustment closely follows the policy direction set by the State Bank of Pakistan, which recently lowered the benchmark interest rate. With inflation easing and borrowing costs expected to decline gradually, savings instruments are being realigned with prevailing market conditions.
CDNS rates typically lag policy changes, so this revision was widely anticipated by market observers.
What this means for savers
For pensioners and welfare-account holders, returns remain relatively attractive despite the reduction. However, short-term savers and those using standard savings accounts will feel the impact more directly.
Investors may want to:
-
Review payout needs and tenures
-
Compare fixed-income options carefully
-
Consider Islamic products if stability is a priority
FAQ
Are CDNS new profit rates 2026 final?
Yes, these rates are effective from January 5, 2026, until the next official revision.
Can rates change again in 2026?
Yes. Future changes depend on inflation trends and monetary policy decisions.
The CDNS new profit rates 2026 highlight a clear shift toward lower returns, making informed savings choices more important than ever.
This article is published for informational and educational purposes only. nise.org.pk is not an official government website and is not affiliated with any government department. Readers are advised to verify all information from official sources before taking any action.
