{"id":527565,"date":"2026-01-25T08:16:25","date_gmt":"2026-01-25T03:16:25","guid":{"rendered":"https:\/\/leadpakistan.com.pk\/news\/?p=527565"},"modified":"2026-01-25T08:16:25","modified_gmt":"2026-01-25T03:16:25","slug":"cdns-reduces-profit-rates-on-majority-of-schemes","status":"publish","type":"post","link":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/","title":{"rendered":"CDNS reduces profit rates on majority of schemes"},"content":{"rendered":"<p>National Savings Scheme<br \/>\nReduction aligns with expectations of decline in policy rate<br \/>\n Islamabad<br \/>\nThe Central Directorate of National Savings (CDNS) has reduced profit rates on the majority of its National Savings Schemes (NSS), effective January 23, 2026.<br \/>\nAccording to data compiled by Arif Habib Limited, released on Friday, the return on Short-Term Special Savings Certificates (STSC) was cut by 110 basis points (bps) to 9.58% from 10.68%, marking one of the steepest declines among the schemes.<br \/>\nThe rate on the Defence Saving Certificate reduced by 64bps to 10.44%. Similarly, the Regular Income Certificate was lowered by 60bps to 9.96% from 10.56%.<br \/>\nRates on the Pensioners\u2019 Benefit Account, Behbood Savings Certificate, and Shuhada Family Welfare Account were each reduced by 48bps to 12% from 12.48%, while the Special Savings Certificate rate was cut by 40bps to 10.20%.<br \/>\nIn contrast, Special Saving Account showed a reversed trend, recording a notable 20bps increase, taking the rate to 10.40%, making it one of the few instruments to offer higher returns after the revision.<br \/>\nMarket participants view the across-the-board reduction as aligned with expectations of a gradual decline in key interest rates amid moderating inflation and improving macroeconomic indicators.<br \/>\nLast month, contrary to market expectations, the Monetary Policy Committee (MPC) of the State Bank of Pakistan (SBP) decided to reduce the policy rate by 50bps to 10.5%.<br \/>\nThe National Savings Organisation is Pakistan\u2019s largest financial institution, managing a portfolio exceeding Rs3.4 trillion and serving over 4 million customers through a network of 376 branches across the country, administered by 12 Regional Directorates.<br \/>\nThe CDNS helps the government finance budgetary deficits and support critical infrastructure projects.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>National Savings Scheme Reduction aligns with expectations of decline in policy rate Islamabad The Central Directorate of National Savings (CDNS) has reduced profit rates on the majority of its National Savings Schemes (NSS), effective January 23, 2026. According to data compiled by Arif Habib Limited, released on Friday, the return on Short-Term Special Savings Certificates [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-527565","post","type-post","status-publish","format-standard","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CDNS reduces profit rates on majority of schemes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CDNS reduces profit rates on majority of schemes\" \/>\n<meta property=\"og:description\" content=\"National Savings Scheme Reduction aligns with expectations of decline in policy rate Islamabad The Central Directorate of National Savings (CDNS) has reduced profit rates on the majority of its National Savings Schemes (NSS), effective January 23, 2026. According to data compiled by Arif Habib Limited, released on Friday, the return on Short-Term Special Savings Certificates [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/\" \/>\n<meta property=\"og:site_name\" content=\"Daily Lead Pakistan\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DailyLeadPak\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-25T03:16:25+00:00\" \/>\n<meta name=\"author\" content=\"Web Desk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@DailyLeadPak\" \/>\n<meta name=\"twitter:site\" content=\"@DailyLeadPak\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Web Desk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/\"},\"author\":{\"name\":\"Web Desk\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#\\\/schema\\\/person\\\/6ef8309590ff620a99ce35559f54fd62\"},\"headline\":\"CDNS reduces profit rates on majority of schemes\",\"datePublished\":\"2026-01-25T03:16:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/\"},\"wordCount\":263,\"publisher\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#organization\"},\"articleSection\":[\"Business\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/\",\"url\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/\",\"name\":\"CDNS reduces profit rates on majority of schemes\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#website\"},\"datePublished\":\"2026-01-25T03:16:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/cdns-reduces-profit-rates-on-majority-of-schemes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CDNS reduces profit rates on majority of schemes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#website\",\"url\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/\",\"name\":\"Daily Lead Pakistan\",\"description\":\"Daily Lead Pakistan\",\"publisher\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#organization\",\"name\":\"Daily lead Pakistan\",\"url\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/logo3.jpg\",\"contentUrl\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/logo3.jpg\",\"width\":1000,\"height\":154,\"caption\":\"Daily lead Pakistan\"},\"image\":{\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/DailyLeadPak\\\/\",\"https:\\\/\\\/x.com\\\/DailyLeadPak\",\"https:\\\/\\\/instagram.com\\\/DailyLeadPak\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/#\\\/schema\\\/person\\\/6ef8309590ff620a99ce35559f54fd62\",\"name\":\"Web Desk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g\",\"caption\":\"Web Desk\"},\"url\":\"https:\\\/\\\/leadpakistan.com.pk\\\/news\\\/author\\\/edt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CDNS reduces profit rates on majority of schemes","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/","og_locale":"en_US","og_type":"article","og_title":"CDNS reduces profit rates on majority of schemes","og_description":"National Savings Scheme Reduction aligns with expectations of decline in policy rate Islamabad The Central Directorate of National Savings (CDNS) has reduced profit rates on the majority of its National Savings Schemes (NSS), effective January 23, 2026. According to data compiled by Arif Habib Limited, released on Friday, the return on Short-Term Special Savings Certificates [&hellip;]","og_url":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/","og_site_name":"Daily Lead Pakistan","article_publisher":"https:\/\/www.facebook.com\/DailyLeadPak\/","article_published_time":"2026-01-25T03:16:25+00:00","author":"Web Desk","twitter_card":"summary_large_image","twitter_creator":"@DailyLeadPak","twitter_site":"@DailyLeadPak","twitter_misc":{"Written by":"Web Desk","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/#article","isPartOf":{"@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/"},"author":{"name":"Web Desk","@id":"https:\/\/leadpakistan.com.pk\/news\/#\/schema\/person\/6ef8309590ff620a99ce35559f54fd62"},"headline":"CDNS reduces profit rates on majority of schemes","datePublished":"2026-01-25T03:16:25+00:00","mainEntityOfPage":{"@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/"},"wordCount":263,"publisher":{"@id":"https:\/\/leadpakistan.com.pk\/news\/#organization"},"articleSection":["Business"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/","url":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/","name":"CDNS reduces profit rates on majority of schemes","isPartOf":{"@id":"https:\/\/leadpakistan.com.pk\/news\/#website"},"datePublished":"2026-01-25T03:16:25+00:00","breadcrumb":{"@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/leadpakistan.com.pk\/news\/cdns-reduces-profit-rates-on-majority-of-schemes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/leadpakistan.com.pk\/news\/"},{"@type":"ListItem","position":2,"name":"CDNS reduces profit rates on majority of schemes"}]},{"@type":"WebSite","@id":"https:\/\/leadpakistan.com.pk\/news\/#website","url":"https:\/\/leadpakistan.com.pk\/news\/","name":"Daily Lead Pakistan","description":"Daily Lead Pakistan","publisher":{"@id":"https:\/\/leadpakistan.com.pk\/news\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/leadpakistan.com.pk\/news\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/leadpakistan.com.pk\/news\/#organization","name":"Daily lead Pakistan","url":"https:\/\/leadpakistan.com.pk\/news\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/leadpakistan.com.pk\/news\/#\/schema\/logo\/image\/","url":"https:\/\/leadpakistan.com.pk\/news\/wp-content\/uploads\/2022\/04\/logo3.jpg","contentUrl":"https:\/\/leadpakistan.com.pk\/news\/wp-content\/uploads\/2022\/04\/logo3.jpg","width":1000,"height":154,"caption":"Daily lead Pakistan"},"image":{"@id":"https:\/\/leadpakistan.com.pk\/news\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/DailyLeadPak\/","https:\/\/x.com\/DailyLeadPak","https:\/\/instagram.com\/DailyLeadPak\/"]},{"@type":"Person","@id":"https:\/\/leadpakistan.com.pk\/news\/#\/schema\/person\/6ef8309590ff620a99ce35559f54fd62","name":"Web Desk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/41f05ebf0a510062a26cf1d9e662155a6901c6733aa66a6c0f61daea3d680dc7?s=96&d=mm&r=g","caption":"Web Desk"},"url":"https:\/\/leadpakistan.com.pk\/news\/author\/edt\/"}]}},"_links":{"self":[{"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/posts\/527565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/comments?post=527565"}],"version-history":[{"count":1,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/posts\/527565\/revisions"}],"predecessor-version":[{"id":527585,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/posts\/527565\/revisions\/527585"}],"wp:attachment":[{"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/media?parent=527565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/categories?post=527565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/leadpakistan.com.pk\/news\/wp-json\/wp\/v2\/tags?post=527565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}