National Savings Saving Account Profit Rate History in Pakistan: Every Change From 2015 to 2026, Now 10.00%
National Savings Saving Account has paid 10.00% since 26 May 2026. See all 33 rate periods since 2015, from the 3.90% low to the 20.50% peak of 2023 and 2024.
The National Savings Saving Account pays 10.00% a year, a rate it has held since 26 May 2026. National Savings left it unchanged on 21 October 2026, when it raised every other scheme. Below is every Saving Account rate since June 2015, the 20.50% peak of 2023 and 2024, and what the rate means for your balance.
We downloaded National Savings' own Saving Account history file from savings.gov.pk on 12 November 2026. It lists 33 rate periods from 1 June 2015 to date.
The Saving Account rate is 10.00% from 26 May 2026
The Saving Account has paid 10.00% a year since 26 May 2026. The rate card of 21 October 2026 marks it "No Change". Before 26 May, from 5 January 2026, it paid 9.00%.
This is the account you can open with Rs 100 and withdraw from three times a week. Because it works like a current savings account, its rate moves less often than the certificates. It changed twice in 2026, while Special Savings and Short Term certificates changed eight times each.
Every Saving Account rate change since 2015: the full list
The table shows every period in the file, newest first. The rate is per year.
| From | To | Rate a year |
|---|---|---|
| 26 May 2026 | Till date | 10.00% |
| 5 Jan 2026 | 25 May 2026 | 9.00% |
| 19 May 2025 | 4 Jan 2026 | 9.50% |
| 20 Mar 2025 | 18 May 2025 | 10.50% |
| 31 Jan 2025 | 19 Mar 2025 | 11.50% |
| 10 Dec 2024 | 30 Jan 2025 | 13.50% |
| 25 Sep 2024 | 9 Dec 2024 | 16.00% |
| 7 Aug 2024 | 24 Sep 2024 | 19.00% |
| 30 Oct 2023 | 6 Aug 2024 | 20.50% |
| 9 May 2023 | 29 Oct 2023 | 19.50% |
| 10 Apr 2023 | 8 May 2023 | 18.50% |
| 20 Dec 2022 | 9 Apr 2023 | 14.50% |
| 10 Aug 2022 | 19 Dec 2022 | 13.50% |
| 3 Jun 2022 | 9 Aug 2022 | 12.25% |
| 10 May 2022 | 2 Jun 2022 | 10.75% |
| 4 Feb 2022 | 9 May 2022 | 8.25% |
| 10 Dec 2021 | 3 Feb 2022 | 7.25% |
| 2 Jul 2020 | 9 Dec 2021 | 5.50% |
| 2 Jun 2020 | 1 Jul 2020 | 6.50% |
| 24 Apr 2020 | 1 Jun 2020 | 7.00% |
| 1 Jan 2020 | 23 Apr 2020 | 8.60% |
| 1 Nov 2019 | 31 Dec 2019 | 8.20% |
| 1 Jul 2019 | 31 Oct 2019 | 10.25% |
| 1 Jan 2019 | 30 Jun 2019 | 8.50% |
| 1 Nov 2018 | 31 Dec 2018 | 7.00% |
| 1 Sep 2018 | 31 Oct 2018 | 6.00% |
| 1 Jul 2018 | 31 Aug 2018 | 5.00% |
| 1 May 2018 | 30 Jun 2018 | 4.50% |
| 1 Feb 2017 | 30 Apr 2018 | 3.95% |
| 1 Dec 2015 | 31 Jan 2017 | 3.90% |
| 1 Oct 2015 | 30 Nov 2015 | 4.25% |
| 1 Aug 2015 | 30 Sep 2015 | 4.75% |
| 1 Jun 2015 | 31 Jul 2015 | 4.50% |
The longest stretch at one rate was 5.50%, from 2 July 2020 to 9 December 2021, about 17 months. The lowest rate was 3.90%, from December 2015 to January 2017.
The highest Saving Account rate was 20.50% in 2023 and 2024
The Saving Account paid 20.50% from 30 October 2023 to 6 August 2024, the highest in the file. That was more than five times the 3.90% low of 2016. The rate then fell in seven steps to 9.00% by January 2026.
| Moment | Rate a year | Rs 100,000 for a full year |
|---|---|---|
| December 2015 to January 2017 (lowest) | 3.90% | Rs 3,900 |
| July 2020 to December 2021 | 5.50% | Rs 5,500 |
| October 2023 to August 2024 (highest) | 20.50% | Rs 20,500 |
| 5 January to 25 May 2026 (2026 low) | 9.00% | Rs 9,000 |
| From 26 May 2026 | 10.00% | Rs 10,000 |
The Saving Account follows the State Bank's policy rate, as the other schemes do, but more slowly. When the State Bank raised its policy rate to 12% in October 2026, the Saving Account did not move. The October 2026 policy rate decision has the details.
What 10.00% means for your balance
On Rs 1,000,000 kept for a full year, 10.00% is about Rs 100,000 before tax. On Rs 100,000 it is about Rs 10,000. These are our estimates for a steady balance.
The real figure depends on how National Savings counts your balance. Its Saving Account page says profit is credited on 30 June every year. It is worked out on the lowest balance between the close of the 6th day and the end of each month. So money taken out early in the month, or put in after the 6th, earns nothing for that month.
Tax comes off the profit. The same page says withholding tax is 15% for people on the Active Taxpayer List and 30% for others, and Zakat applies as per rules. On Rs 100,000 of profit, a filer keeps Rs 85,000. If you want a higher fixed rate and can lock your money, compare every scheme's rate from 21 October 2026.
How to check the Saving Account rate yourself
National Savings publishes the current rate and the full history on one page.
- Open the National Savings latest profit rates page.
- Find box 8, Saving Account, on the rate card.
- Open the Saving Account historical profit rates PDF on the same page.
- Find each period that falls inside the year ending 30 June.
- Apply each rate to the months it covered, using your lowest balance in each month.
How to open the account with Rs 100 and a CNIC copy is in opening a National Savings Saving Account. To compare it with a bank, see National Savings or a bank savings account.
Common questions
What is the National Savings Saving Account rate today?
10.00% a year, unchanged since 26 May 2026. The rate card of 21 October 2026 marks it "No Change".
How many times did the Saving Account rate change in 2026?
Twice: to 9.00% on 5 January and to 10.00% on 26 May 2026.
What was the highest Saving Account rate?
20.50% a year, from 30 October 2023 to 6 August 2024.
When is Saving Account profit paid?
Once a year, on 30 June, according to the National Savings Saving Account page.
What is the minimum to open a Saving Account?
Rs 100, with no upper limit. You can withdraw three times a week.
Did the Saving Account rate go up with the policy rate in October 2026?
No. National Savings raised the other schemes on 21 October 2026 but left the Saving Account at 10.00%.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 12 November 2026. Every rate and period comes from National Savings' Saving Account history file (SavingAccount_wef01X26.pdf) and its rate card dated 21 October 2026, both on savings.gov.pk. Profit timing, minimum, withdrawals and tax come from the National Savings Saving Account page, read the same day. The rupee figures are our arithmetic for a steady balance.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
