ISLAMABAD – The Central Directorate of National Savings or Qaumi Bachat Bank announced a slight increase in the profit rate for Behbood Savings Certificate in its recent review conducted in March 2025.
The rates are still applicable in April 2025 until they are revised again by the directorate.
The Behbood Certificates were launched by the Pakistani government in 2003 keeping in view the difficulties faced by widows and the elderly as it offers monthly profit at reasonable rate.
These certificates are one of the most attractive investment categories for this group of people in Pakistan as it offers monthly profits.
In 2004, the scheme was extended to disabled persons and special minors with disability through their guardians.
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?
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 limit has been fixed at Rs15 million for joint investors.
Behbood Savings Certificates Profit Rate April 2025
As per latest revision, the government has fixed the profit rates on Behbood Savings Certificates at 13.68 percent. It means the people can earn monthly profit of Rs1,140 on investment of Rs100,000.
