The government has updated the profit rates for several National Savings Schemes, effective from September 17, 2025.

These changes will affect the returns investors get from these popular saving options.

One of the key changes is in the Short-Term Savings Certificates, which now offer a profit rate of 10.42%, slightly higher than the previous rate of 10.36%.

This small increase means investors will earn a bit more on their money in this scheme.

However, the Defence Savings Certificates have seen a slight decrease in their profit rate. The new rate is 11.42%, down from 11.54%.

Though the drop is small, it may affect those who rely on this scheme for steady returns.

The biggest rise is in the Serwa Islamic Saving Account and the Serwa Islamic Term Account, which both have increased profit rates from 9.50% to 9.92%.

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This 42-basis-point jump makes these Shariah-compliant savings plans more attractive to investors who prefer Islamic finance options.

Overall, these revisions reflect the government’s attempt to balance offering competitive returns while managing economic factors.

Investors should review these changes carefully to decide which savings schemes suit their financial goals best.

With the Serwa Islamic accounts seeing the largest increase, they may attract more customers, while the small cut in Defence Savings Certificates suggests a cautious approach to that scheme.