The Central Directorate of National Savings has officially announced a new profit rate for Defence Savings Certificates (DSCs), effective from January 2026. The revision affects investors who rely on this long-term savings option for secure and steady returns.
Defence Savings Certificates are among Pakistan’s oldest and most trusted savings schemes, widely used by individuals looking for safe investment with guaranteed maturity value.
What Are Defence Savings Certificates?
Defence Savings Certificates were introduced in 1966 to encourage long-term savings among citizens. The scheme is backed by the Government of Pakistan and is designed for people who want to invest once and receive a lump-sum return after maturity.
These certificates are especially popular among:
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Retired individuals
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Long-term investors
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Overseas Pakistanis
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Families saving for future needs
New Profit Rate from January 2026
From January 2026, the profit rate on Defence Savings Certificates has been revised to 11.08%. This rate applies to new investments and reflects adjustments made in line with national monetary policy.
Although the rate has been reduced compared to earlier years, DSCs remain a low-risk and government-guaranteed investment option.
Profit Growth Example (Investment of Rs. 100,000)
Below is an estimated growth pattern of a Rs. 100,000 investment over the 10-year maturity period:
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End of 1st Year: Rs. 109,000
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End of 2nd Year: Rs. 119,000
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End of 3rd Year: Rs. 130,000
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End of 4th Year: Rs. 143,000
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End of 5th Year: Rs. 158,000
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End of 6th Year: Rs. 176,000
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End of 7th Year: Rs. 197,000
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End of 8th Year: Rs. 222,000
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End of 9th Year: Rs. 251,000
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End of 10th Year (Maturity): Rs. 286,000
This structure makes DSCs suitable for people planning long-term financial security.
Available Denominations
Defence Savings Certificates can be purchased in multiple denominations, making them accessible for both small and large investors:
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Rs. 500
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Rs. 1,000
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Rs. 5,000
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Rs. 10,000
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Rs. 50,000
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Rs. 100,000
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Rs. 500,000
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Rs. 1,000,000
Investors can choose the amount based on their savings capacity and goals.
Who Can Invest?
The scheme is open to a wide range of individuals:
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Adult Pakistani citizens
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Overseas Pakistanis
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NICOP and POC holders
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Minors (through a guardian)
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Joint investors (two adults or adult with a minor)
In joint investments, profit payments can be received jointly or by any one holder, depending on the selected option.
Where to Buy Defence Savings Certificates
Certificates can be purchased from:
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National Savings Centres across Pakistan
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Authorized scheduled banks
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State Bank of Pakistan branches
The purchase process is straightforward and requires basic identification documents.
Tax and Zakat Deduction
Profit earned on Defence Savings Certificates is subject to deductions as per government rules:
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15% withholding tax for tax filers
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35% withholding tax for non-filers
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Zakat is deducted where applicable
These deductions are made automatically at the time of profit payment.
Is Defence Savings Certificate Still a Good Option?
Despite the revised profit rate, Defence Savings Certificates remain attractive for investors who prioritize:
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Capital safety
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Guaranteed returns
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Long-term planning
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Government-backed security
For people seeking stability rather than short-term gains, DSCs continue to be a reliable savings instrument in 2026.
This content is published for general information and awareness purposes. kixxoil.pk is an independent informational website and is not officially connected with any government authority or public institution. Readers are encouraged to confirm details directly from official sources before making any decisions.
