Defense Savings Certificates FAQs

All Pakistani Nationals, non-resident Pakistanis and Foreign Nationals can purchase Defence savings certificates.

Maturity period of Defence savings certificate is 10 years.

These Certificates are available in the denominations of Rs.500/-, Rs.1000/-, Rs. 5,000/-, Rs. 10,000/-, Rs. 50,000/-, Rs. 100,000/-, Rs. 500,000/-, Rs. 1,000,000/-

Defence Savings Certificate can be purchased by depositing cash/cheque/ draft/ pay-order at the Issuing Office.

Yes, minimum deposit limit is Rs. 500/- but no limit in maximum investment.

DSCs are encashable at par any time after the date of purchase. However, no profit is payable if encashment is made before completion of one complete year.

Yes, taxes are applicable on Defence savings Certificate.

  • Filers: 10% of the yield/ profit
  • Non-Filers: 17.5% of the yield/ profit; however, the rate shall be 10% if the yield or profit paid is less than Rs. 500,000/-.

Zakat shall be deducted at source as per rules.


For more details see under Product > Certificate > Defence Savings Certificate.