Short-Term Saving Certificates: Quami Bachat Updated Profit Rate [2025]

Here is the latest Update for all the residents of Pakistan who are engaged in any kind of business there is a significant decrease in the profit rate for November.

Due to a decline in inflation and encouraging economic data, the Central Directorate of National Savings (CDNS) lowered the profit rate for Short-Term Savings Certificates on November 4, 2024.

Also Read: Benazir Bachat Scheme Registration

Quami Bachat Updated Profit Rate Nov 2024

Discover the updated Rate of Quami Bachat For Short-Term saving certificates, to address investors’ short-term funding needs, the government introduced the Short Term Savings Certificates (STSCs) program in 2012. These certificates have maturities of three, six, and one year.

شارٹ ٹرم سیونگ سرٹیفکیٹس کے لیے قومی بچت کی تازہ ترین شرح دریافت کریں، سرمایہ کاروں کی قلیل مدتی فنڈنگ ​​کی ضروریات کو پورا کرنے کے لیے، حکومت نے 2012 میں شارٹ ٹرم سیونگ سرٹیفکیٹس (STSCs) پروگرام متعارف کرایا۔ سال تمام پاکستانی شہری اور بیرون ملک مقیم پاکستانی اس میں سرمایہ کاری کر سکتے ہیں۔ یہ گروی رکھنے کے قابل ہے اور اس میں 3 ماہ، 5 ماہ اور 1 سال کی میچورٹی اسکیمیں ہیں۔ اس زمرے میں، کوئی بالائی حد نہیں ہے، لیکن ایک سرمایہ کار کم از کم 10,000 روپے جمع کرا سکتا ہے۔

All Pakistani nationals and Pakistanis living abroad can invest in it; it is pledgeable and has 3-month, 5-month, and 1-year maturity schemes. In this category, there is no upper limit, but an investor may deposit a minimum of Rs 10,000.

Latest Profit Rate: Short-Term Saving Certificates 

In contrast to the previous 18.52% or Rs4,630 profit rate, the CDNS has set the three-month maturity profit rate at 14.32 percent, or Rs3,580, on investments of each Rs100,000.

In contrast to the previous 18.22% or Rs 9,110, the profit rate for the six-month maturity category has been set at 13.46% or Rs 6,730.

Likewise, Qaumi Bachat Bank has reduced its one-year maturity profit rate from 17.22%, or Rs17,220, to 12.96%, or Rs12,960. 

Tax Deduction For Profit Rate 

The taxpayer’s position as a filer or non-filer determines the rate of withholding tax assessed on earnings from investments made under CDNS schemes, such as Short-Term Savings Certificates (STSCs). 

Regardless of the investment date or profit amount, filers who are listed on the Federal Board of Revenue’s (FBR) Active Taxpayer List (ATL) are eligible for a reduced tax rate of 15% on their yield or profit. Non-filers, on the other hand, who do not appear on the ATL, are subject to a far higher tax rate of 30%, which essentially doubles their tax obligation.

Conclusion

The updated profit rates for Short-Term Savings Certificates reflect the improving economic conditions in Pakistan, marked by lower inflation and positive indicators. While the reduced rates may impact immediate returns, they align with the broader goal of stabilizing the economy. Investors can still benefit from this secure and flexible investment option, with maturities of 3, 6, and 12 months, and no upper deposit limit.