CDNS Sets Rs 1.5 Trillion Savings Goal for FY2026-27.
Riding on strong public confidence in government-backed savings schemes, the Central Directorate of National Savings (CDNS) has set an ambitious savings mobilisation target of Rs 1.5 trillion for the fiscal year 2026-27, aiming to further strengthen the country’s savings culture and expand financial inclusion.
The fresh target follows the successful achievement of CDNS’s annual savings mobilisation goal of Rs 1.384 trillion during FY2025-26, underscoring growing investor confidence in secure and low-risk investment instruments offered by the government.
According to official sources, CDNS mobilized Rs 1.384 trillion between July 1, 2025, and June 30, 2026, fully achieving its annual target. The milestone reflects sustained public trust in National Savings products despite evolving economic conditions and increasing competition from other financial institutions.
Expanding Financial Inclusion and Islamic Savings
Officials stated that the directorate remains committed to encouraging household savings, widening the investor base, and providing safe investment avenues that contribute to national resource mobilisation. The institution continues to play a vital role in supporting the government’s domestic borrowing programme while promoting long-term financial planning among citizens.
As part of its strategy to diversify investment products, CDNS allocated Rs 60 billion for Islamic savings instruments during FY2025-26. The initiative aims to expand access to Shariah-compliant investment opportunities and support the continued development of Pakistan’s growing Islamic finance industry.
Historical Growth and Future Outlook
The directorate has demonstrated consistent growth in savings mobilisation over the past several years, continually adapting to market conditions to strengthen domestic resource mobilisation.
| Fiscal Year | Savings Target / Achievement | Highlights |
| FY2025-26 | Rs 1.384 Trillion | Fully achieved; included Rs 60B for Islamic savings. |
| FY2024-25 | Rs 1.65 Trillion | Included Rs 170B earmarked for Islamic finance products. |
| FY2023-24 | Rs 1.742 Trillion | Surpassed the annual collection target of Rs 1.7 trillion. |
| FY2022-23 | Rs 1.6 Trillion | Savings target successfully achieved. |
| FY2021-22 | Rs 1.4 Trillion | Revised upward from an initial Rs 1.3 trillion target. |
Officials attributed the directorate’s sustained performance to a combination of institutional reforms, improved operational efficiency, digital transformation, and customer-focused initiatives that have enhanced accessibility and service delivery across the National Savings network.
The CDNS expressed optimism that the Rs 1.5 trillion target for FY2026-27 would further reinforce the culture of savings, strengthen domestic resource mobilisation, and contribute to the country’s broader economic stability by encouraging greater public participation in secure and reliable investment schemes.
