Short Term Savings Certificates FAQs

All Pakistani Nationals, non-resident Pakistanis, and foreign Nationals can purchase STSC.

Maturity period of Short Term Savings Certificates is 03months, 6 months and one year.

Short Term Savings Certificates are available in the denominations of Rs. 10,000/-, Rs. 50,000/-, Rs. 100,000/-, Rs. 500,000/-, Rs. 1,000,000/, Rs. 5,000,000/-,   Rs. 10,000,000/-

Profit shall be due on completion of the maturity period.

Short Term Savings Certificates can be purchased by depositing cash/cheque/ draft/ pay-order at the Issuing Office.

Yes, minimum deposit limit is Rs. 10,000/- rupees but no limit in maximum investment.

STSCs shall be encashed at the office of the issue but not earlier than one month from the date of issuance.

Yes, taxes are applicable on Short Term Savings Certificates.

  • 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/-.

The investment made in STSCs shall be exempted from collection of Zakat.


For more details see under  Product > Certificate > Short Term Savings Certificates