Short-Term Savings Certificates: Total Profit on Rs1 Million
The National Savings Centre (Qaumi Bachat) continues to offer Short-Term Savings Certificates (STSCs) as one of the most reliable options for investors seeking quick, stable, and government-backed returns.Â
Designed for short-duration financial planning, these certificates remain a popular choice among Pakistanis looking for secure profits without long-term commitments.
Why Investors Prefer Short-Term Savings Certificates
Short-Term Savings Certificates offer fixed returns backed by the Government of Pakistan, making them a low-risk investment during times of economic uncertainty. Profit rates are revised periodically, depending on inflation, monetary policy, and market conditions, ensuring that investors receive competitive yields.
Who Can Invest In Short-Term Savings Certificate
STSCs are available in three tenures: three months, six months, and one year. All certificates are pledgeable, making them suitable for individuals who may need collateral for financial arrangements.
Both Pakistani residents and overseas Pakistanis can invest in this scheme, with a minimum deposit of Rs10,000 and no upper limit.
Updated STSC Profit Rates – December 2025
The latest officially announced profit rates for December 2025 are as follows:
| Maturity Duration | Profit Rate | Profit on Rs100,000 |
| 3 Months | 10.28% | Rs2,570 |
| 6 Months | 10.30% | Rs5,150 |
| 12 Months | 10.42% | Rs10,420 |
These revised rates show a steady upward adjustment, offering investors a secure and predictable return for the short-term period.
Profit on Rs1 Million Investment in STSCs
With the updated profit rates, here is the total return you can expect on an investment of Rs1 million:
| Tenure | Profit Rate | Profit Per Rs1,000,000 |
| 3 Months | 10.28% | Rs25,700 |
| 6 Months | 10.30% | Rs51,500 |
| 12 Months | 10.42% | Rs104,200 |
For those seeking quick liquidity, the three-month option provides an attractive short-term gain, while the one-year certificate delivers the highest overall return.
Withholding Tax on STSC Profit
Investors listed in the Active Taxpayers List (ATL) will be charged 15% withholding tax on earned profit.
Non-filers, however, are subject to a 30% tax deduction, double the rate applied to filers, regardless of the investment amount or profit earned. This tax policy continues to encourage documentation and compliance among investors.
Conclusion
Short-Term Savings Certificates remain one of the safest and most rewarding investment choices for Pakistanis looking for quick, guaranteed returns. With updated profit rates for December 2025, STSCs offer a stable earning opportunity, especially for those investing larger amounts like Rs1 million. Backed by government security, flexible tenures, and predictable profit payouts, STSCs continue to serve as a dependable financial tool amid Pakistan’s changing economic environment.