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The Central Directorate of National Savings (CDNS) has revised the rates of return on some of its National Savings schemes.

After the revision, the rates of Savings Account (SA) have been raised by 100bps to 20.5% from 19.5% earlier.

However, Special Savings Certificates (SSC) will now yield 18% against 18.2% earlier after a decrease of 20bps.

In addition, the return on Short Term Savings Certificates (STSC) rose to 21.8% from 20.8%, while Regular Income Certificates (RIC) have been set to yield 16.1 % from 15.1% earlier.

The rates of Bahbood Savings Certificates (BSC) and Pensioners Benefit Account (PBA) have been marginally reduced to 16.3% from 16.6% earlier.

The change in the rate of return will take effect from October 30 onward.

The revision in rates of savings schemes came after the Monetary Policy Committee (MPC) of the State Bank of Pakistan (SBP) kept the key interest rate unchanged at 22% on Monday.

The committee had noted that headline inflation rose in September 2023 as expected.

“However, it is projected to decline in October and then maintain a downward trajectory, especially in the second half of the fiscal year,” it had said.

Pakistan’s headline inflation clocked in at 26.9% on a year-on-year basis in October, the Pakistan Bureau of Statistics (PBS) said on Wednesday, significantly lower than the reading in September when it stood at 31.4%. On month-on-month basis, it was up 1.1%.

Comments

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Asif Nov 02, 2023 01:11am
I think Nov and Dec are going to be tough months for low income ppl
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Shahid wasim Nov 02, 2023 10:20am
It is highly regretted that govt of Pakistan has not taken into account the plight of senior citizens holding behbood certs who only source of income are behbood certs , surprised they have decreased the rate of return
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Zain Nov 02, 2023 11:02am
National savings seriously lacking the basic digital banking facilities. Even after launch of mobile application many of the features still not implemented especially the funds transfer which need to be implement very soon.
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shaista shahab rizvi Nov 02, 2023 03:22pm
The decrease in the return on Behbood Savings Certificates is regrettable and unjustified since Income Tax has also been levied on (IT Filers) Pensioners earning above PKR 50,000/- per month. This is a counter productive move as it will discourage senior citizens from retaining their life long savings in Behbood and move to converting their savings into FOREX. While commercial Banks are paying interest above 19% on deposits why should the Senior Citizens who are also Filers be given a lower profit on their investments in Behbood Saving Certificates.
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Usman Nov 03, 2023 09:19am
@Shahid wasim , this is not chatity ots a financial product.No wonder we are in a mess with this kind of attitude.
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n.a.saghir Dec 06, 2023 05:07pm
@Zain, i deposited Rs 500,000 profit in my savings account. why the withholding tax you take on its annual profit while it has been already taken. its taken twice from it. can you explain why it is so. nazir
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