Why Are Investors Turning to National Savings?
News Desk
Islamabad: The Central Directorate of National Savings (CDNS) has mobilized Rs325 billion during the first 10 weeks of fiscal year 2026-27, meeting its target for the period and highlighting continued demand for government-backed savings instruments.
The mobilization, recorded between July 1 and September 10, has given National Savings a strong start to the new fiscal year as it moves towards an ambitious annual target of Rs1.53 trillion.
Officials attributed the performance to improved investor confidence, greater operational efficiency and sustained demand for secure avenues for savings and investment.
The latest figures also point to efforts to bring more household savings into formal financial channels. CDNS is seeking to expand its investor base through a broader range of products, improved digital services and easier access to government-backed savings schemes.
Islamic finance is also becoming an increasingly important part of the institution’s strategy. CDNS is expanding its Shariah-compliant offerings to attract investors looking for savings and investment products based on Islamic financial principles.
For FY2025-26, CDNS had set a Rs60 billion target for Islamic savings instruments. Its overall mobilization target for the year was Rs1.65 trillion, including Rs170 billion earmarked for Islamic finance investments.
National Savings has maintained a strong mobilization record in recent years. In FY2023-24, it surpassed its Rs1.7 trillion target by mobilizing Rs1.742 trillion. It also achieved its Rs1.6 trillion target in FY2022-23.
In FY2021-22, the institution’s initial Rs1.3 trillion mobilization target was revised upward to Rs1.4 trillion following favourable market conditions and stronger resource mobilization.
Officials said reforms and policy measures had improved the efficiency and outreach of National Savings services, strengthening their appeal among citizens seeking secure savings and investment options.
With Rs325 billion already mobilized in the opening weeks of FY2026-27, CDNS now faces the challenge of sustaining the pace required to achieve its Rs1.53 trillion annual target.
Product diversification, digital transformation and expanded Shariah-compliant offerings are expected to remain central to the institution’s strategy as it seeks to attract more investors and deepen participation in formal savings channels.
