Small investors now have a Sharia-compliant option to grow their money with the National Savings Center’s Sarwa Islamic Savings Account (SISA), which maintains a 9.5% profit rate.
The most recent update (effective August 21, 2025) states that a person investing Rs100,000 in SISA will make Rs950 per month. Nevertheless, government withholding tax deductions apply to the return.
Profit-tax
Filer investors’ monthly profit drops from Rs950 to Rs807.50 due to 15% tax.
35% tax for non-filer investors lowers monthly profit from Rs950 to Rs617.50
This implies that investors can keep a bigger portion of their monthly profits if they submit taxes.
Limits and the minimum investment
A Rs50,000 minimum deposit is required for the scheme.
