ISLAMABAD – The Central Directorate of National Savings has announced revised profit rate for Behbood Savings Certificates, taking effect from January 2026.
The federal government launched the Behbood Certificates in 2003 keeping in view the difficulties faced by widows and the elderly as it offers monthly handsome profit on investment.
These certificates are regarded as one of the most appealing investment options for this demographic in Pakistan, as they provide monthly returns.
In 2004, the program was expanded to include disabled individuals and special-needs minors, allowing their guardians to manage the investment on their behalf.
Behbood Certificates Denominations
The Behbood Savings Certificates are available in the denominations of Rs5, 000, Rs10,000, Rs50,000, Rs 100,000, Rs500,000 and Rs1,000,000.
Who Can Buy Behbood Savings Certificates?
According to the official website, the certificates can be purchased by any of the following citizens of Pakistan, namely:
(a)A senior citizen aged sixty years or above
(b)A single widow as long as she does not re-marry
(c)Two eligible persons as in clause (a) and (b) in their joint names
(d) Disables holding NIC with Disability logo, and special minor through a Guardian.
Investment Limit
A single person can make a maximum investment of Rs7.5 million while the joint investors can make an investment of Rs15 million.
Behbood Savings Certificates Latest Profit Rate
The government has fixed the profit rates on Behbood Savings Certificates at 12.48 percent. It means the people can earn monthly profit of Rs1,040 on investment of Rs100,000 each.
FAQs about Behbood Savings Certificates
1. What is the profit rate for Behbood Savings Certificates in 2026?
The profit rate is 12.48%, offering a monthly return of Rs1,040 on an investment of Rs100,000.
2. Who is eligible to purchase Behbood Savings Certificates?
Senior citizens, widows, disabled individuals, and special-needs minors (through a guardian) are eligible.
3. What denominations are available for Behbood Savings Certificates?
The certificates are available in denominations of Rs5,000, Rs10,000, Rs50,000, Rs100,000, Rs500,000, and Rs1,000,000.
4. What is the maximum investment limit for Behbood Savings Certificates?
The maximum investment for an individual is Rs7.5 million, and for joint investors, it is Rs15 million.
5. Why were Behbood Savings Certificates introduced?
They were introduced in 2003 to support widows and the elderly by providing a monthly income from investments.
