The government has announced updated profit rates for National Savings Schemes (NSS), effective April 22, 2025, reflecting adjustments in various investment categories. These revisions aim to balance returns with prevailing economic conditions and market trends.

Changes in Profit Rates

According to the latest figures, the Regular Income Certificate experienced a marginal decrease of 4 basis points (bps), reducing the rate from 11.74% to 11.7%. Meanwhile, both the Special Savings Certificate and Special Savings Account saw an increase of 20 bps, bringing their rates up to 11.2% from 11%.

Market Implications

The revision signals the government’s ongoing efforts to regulate savings returns while maintaining competitive investment opportunities. The adjustments come amid broader economic measures aimed at stabilizing financial markets, encouraging savings, and ensuring steady returns for investors participating in National Savings Schemes.

Investor Outlook

The changes are expected to impact investors differently depending on their chosen savings plans. Those holding Regular Income Certificates might see a slight dip in returns, while Special Savings Certificate and Special Savings Account holders will benefit from increased profit rates. Financial analysts anticipate that the revised rates may influence investment behaviors, prompting savers to reassess portfolio allocations.