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National Savings Accounts

National Savings Accounts are deposit-style products from the Central Directorate of National Savings (CDNS). They cover everyday saving with quick access, regular income for pensioners, and dedicated welfare schemes — all backed by the Government of Pakistan.

Four accounts

Choose the account that fits your life

Everyday savings

Savings Account

  • TypeOpen ended
  • Profit paymentHalf yearly
  • MinimumRs. 500
  • Withdrawals3 times / week

The original National Savings product — built to encourage small savers to set money aside while keeping it within easy reach for day-to-day needs.

Full rules & eligibility
  • Eligibility: Savings Accounts can be opened by Pakistani nationals and Overseas Pakistanis as a single or joint account holder (Joint-A or Joint-B), or on behalf of a minor under guardianship.
  • Profit: Profit on Savings Accounts is credited annually on 30th June and is calculated on the minimum monthly balance from the 6th day to the end of each month.
    For rates click HERE
  • Withdrawals: Deposits can be withdrawn anytime after deposit, with up to three withdrawals allowed per week.
  • Tax & Zakat:
    Filers (ATL): 15% withholding tax on profit
    Non-Filers: 30% withholding tax on profit
    Zakat: Applicable as per rules.
  • Where to open: Savings Accounts can be opened at any National Savings Centre (NSC) using the free DA-I application form.

For pensioners

Pensioners' Benefit Account

  • Maturity10 years
  • Profit paymentMonthly
  • MinimumRs. 10,000
  • Launched2003

A welfare account for retired pensioners — provides a steady monthly income stream above standard rates so retirement savings keep working.

Full rules & eligibility
  • Eligibility: PBA is available for pensioners of federal and provincial governments, Armed Forces, AJK Government, semi-government, and autonomous bodies, including eligible family members after the pensioner’s death.
  • Investment cap:
    Minimum Investment: Rs. 10,000
    Maximum Investment: Rs. 7.5 million
    Only 8 deposits are allowed per account
    Only one PBA account is allowed per person across Pakistan
    Violation of these rules may result in the account being treated as irregular with zero profit.
  • Profit: PBA deposits can be reinvested on maturity at the profit rates applicable on the reinvestment date.
    For rates click HERE
  • Tax & Zakat: Profit earned on PBA deposits is exempt from withholding tax and Zakat deduction.
  • Where to open:Only one PBA account can be opened at a time across Pakistan, AJK, and Gilgit Baltistan at any National Savings Centre (NSC) using the free DA-I application form.

3-year · Bi-annual

Special Savings Account

  • Maturity3 years
  • Profit paymentEvery 6 months
  • MinimumRs. 500
  • Launched1990

A medium-term account where profit is paid every six months — useful when you want predictable payouts without locking funds for a decade.

Full rules & eligibility
  • Eligibility:Special Savings Accounts can be opened by Pakistani nationals and Overseas Pakistanis individually, jointly, or on behalf of dependent minors.
  • Profit:Receive 6 profit payments over 3 years at a fixed profit rate.
    For rates click HERE
  • Withdrawals: Funds can be withdrawn anytime after deposit, but no profit is paid before 6 months. Withdrawals must be in multiples of Rs. 500, with a minimum balance of Rs. 500. Deposits made or reinvested on or after July 1, 2017 cannot be reinvested on maturity.
  • Tax & Zakat:
    Filers (ATL): 15% withholding tax on profit
    Non-Filers: 30% withholding tax on profit
    Zakat: Deducted at source on principal withdrawal as per rules.
  • Where to open: Special Savings Accounts (SSA) can be opened at any National Savings Centre (NSC) using the free DA-1 application form.

Welfare · Families of Shuhadas

Shuhadas Family Welfare Account

  • Maturity10 years
  • Profit paymentMonthly
  • MinimumRs. 10,000
  • ForShuhadas families

Provides maximum social security to the families of Shuhadas of the Armed Forces, Law Enforcement Agencies and civilians who laid down their lives in the line of duty.

Full rules & eligibility
  • Eligibility:Shuhada Family Welfare Accounts can be opened by eligible family members of martyrs who are citizens of Pakistan.
  • Investment cap:
    Minimum Investment: Rs. 10,000
    Maximum Investment: Rs. 7.5 million
    Only one account is allowed per eligible family member.
  • Profit: Profit is calculated on daily balances and paid monthly at rates notified by the Finance Division. A Savings Account is required for monthly profit credit.
    For rates click HERE
  • Tax & Zakat:
    Tax: Profit is exempt from withholding tax
    Zakat: No Zakat is deducted on the account.
  • Where to open: Shuhada Family Welfare Accounts can be opened at any National Savings Centre (NSC) using the free DA-I application form.

At a glance

Compare all four accounts

Account Term Profit payment Minimum Best for
Savings (SA) Open endedHalf yearlyRs. 500Day-to-day saving
Pensioners' Benefit (PBA) 10 yearsMonthlyRs. 10,000Retired employees
Special Savings (SSA) 3 yearsEvery 6 monthsRs. 500Mid-term, regular payouts
Shuhadas Family Welfare (SFWA) 10 yearsMonthlyRs. 10,000Families of Shuhadas

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