Qaumi Bachat Bank Revises Profit Rate on Regular Income Certificates for July 2025

ISLAMABAD: The Central Directorate of National Savings (CDNS), commonly known as Qaumi Bachat Bank, has announced a revision in the profit rate for its Regular Income Certificates (RICs), effective July 2025, following the federal budget’s approval for FY 2025–26.

According to official details, the profit rate on RICs has been reduced from 11.52% to 11.16%. These government-backed savings instruments, launched in 1993, are popular for providing monthly income over a five-year maturity period and are aimed at individuals seeking steady returns.

The new rate means that an investment of Rs100,000 will now yield Rs930 per month, compared to Rs960 previously. These certificates are available in various denominations, including Rs50,000, Rs100,000, Rs500,000, Rs1 million, Rs5 million, and Rs10 million.

The reduction comes amid wider fiscal policy adjustments and efforts to realign economic priorities following the national budget.

Certificates can be purchased from any National Savings Centre, authorised branches of scheduled banks, or directly from the State Bank of Pakistan. Minors can also invest under a guardian's supervision or jointly with other minors or adults. Updated profit rates and investment options are available on the official National Savings website.