ISLAMABAD – The National Savings Centre or Qaumi Bachat Bank offers an handsome monthly profit on Behbood Savings Certificates to the customers in Pakistan.
The directorate previously revised the profit rates in July 2025 and they are still applicable in October 2025.
The Pakistani government rolled out the Behbood Certificates in 2003 keeping in view the difficulties faced by widows and the elderly as it offers monthly profit at reasonable rate.
These certificates are considered are one of 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?
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.
Profit on Rs2 lakh investment in Behbood Savings Certificates
The government has fixed the profit rates on Behbood Savings Certificates at 12.96 percent. It means the people can earn monthly profit of Rs1,080 on investment of Rs100,000 each.
If you purchase Behbood certificates worth Rs200,000, the per month profit will be Rs2,160.
