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Short Term Savings Certificates for 1 year Complete Information.



Introduction
National Savings Organization is Pakistan’s largest financial institution, with a portfolio of over Rs. 3.4 trillion and over 04 million valued customers served through a large network of 376 branches nationwide administered by 12 Regional Directorates. As one of the primeval financial institutions in the public sector, CDNS has not only been successful in promoting a savings culture in the country, but it has also generated funds for the government to finance the budgetary deficit and infrastructure projects.

SISA
Shariah Compliant Product:
Well-cognizant of the need, Central Directorate of National Savings (CDNS) is fully committed to structure and offer investment avenues which are fully compliant to the principles of Sharia. As a first step towards the objective, and in view of the long outstanding desire of public to have a Sharia compliant investment avenue, CDNS has launched a dedicated Islamic window, named as Rafa National Savings (RNS). RNS is being established to offer Sharia Compliant savings solutions to the public, thereby promoting interest (Riba) free savings and investments opportunities.
Rafa National Savings is a separate and independent Islamic window of CDNS. It works under the guidance of Shariah board lead by esteemed and renowned members and governed by a robust Sharia governance framework.
Products offered by Rafa National Savings:
The following Shariah compliant products are being offered
1- Sarwa Islamic Savings Account (SISA)
2- Sarwa Islamic Term Account (SITA) – 1 year
3- Sarwa Islamic Term Account (SITA) – 3 years
4- Sarwa Islamic Term Account (SITA) – 5 years



BEHBOOD SAVINGS CERTIFICATES

Recognizing the difficulties faced by widows and the elderly, The Government introduced Behbood Savings Certificates (BSCs) in 2003. As of Jan 1, 2004, the scheme has been extended to disabled persons and special minors with disability through their guardians.
BSC is available in the denominations of:
Rs.5, 000/-, Rs. 10,000/-, Rs. 50,000/-, Rs. 100,000/-, Rs. 500,000/- Rs. 1,000,000/-.
Profit is paid on monthly basis started from the date of purchase of the certificates.


National Savings Latest Profit Rates September 2024 | Usman Azam Siddiqui

Govt of Pakistan Ministry of Finance ( Finance Division) National Savings Organization Latest Profit rates have been discussed in this video and presentation. Also the characteristics of the different savings certificates have been discussed here.

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