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Following a reduction in December 2024, the National Savings (Qaumi Bachat) has kept the profit rate for Defence Savings Certificates (DSCs) unchanged at 12.19 percent for January 2025.
These certificates, introduced to support long-term investments, are available for investment by both Pakistani citizens and Pakistanis living abroad.
They come with a 10-year maturity term, with various investment values ranging from Rs. 500 to Rs. 1,000,000.
Here is the breakdown of the payable amount (Principal + Profit) for an investment of Rs100,000 over 10 years:
- First Year: Rs109,000
- Second Year: Rs119,000
- Third Year: Rs130,000
- Fourth Year: Rs143,000
- Fifth Year: Rs159,000
- Sixth Year: Rs179,000
- Seventh Year: Rs204,000
- Eighth Year: Rs235,000
- Ninth Year: Rs272,000
- Tenth Year: Rs316,000
Tax and Zakat Deduction
Taxes and Zakat are deducted from the profits as per the State Bank of Pakistan’s policy. The withholding tax for filers is 15 percent, while for non-filers, it stands at 30 percent.
