Behbood Savings Certificate profit rates (May 2025) – check details for Widows, Seniors

Behbood Savings Certificates (BSCs) are getting a lot of attention in Pakistan, especially from widows, senior citizens, disabled people, and guardians of special children. These certificates offer a secure and government-backed way to save money and earn a monthly profit.

Current Profit Rate (May 2025)

As of May 2025, the profit rate is 13.92% per year, the same rate since November 4, 2024. This means if you invest Rs. 100,000, you’ll receive around Rs. 1,160 per month.

What Are Behbood Savings Certificates?

Launched in 2003, these savings certificates are specially designed for:

• Widows

• Senior citizens (60+ years)

• Disabled persons (with a valid disability CNIC)

• Special minors (through guardians)

Key Features

• Investment options: Start from Rs. 5,000 and go up to Rs. 1,000,000

• Maximum limit: Rs. 7.5 million for individuals, Rs. 15 million for joint accounts

• Maturity period: 10 years

• Profit payout: Monthly, directly into your bank account

• Tax benefits: No tax or Zakat is deducted

• Shariah-compliant: Suitable for Islamic investors

• Available at: National Savings Centres, State Bank branches, and authorized banks (also online)

Why the Rate Was Changed Earlier

In November 2024, the rate was adjusted slightly due to falling inflation and a lower interest rate by the State Bank of Pakistan. This helped align the scheme with the overall economic situation.

What Happens If the Investor Passes Away?

National Savings has a clear process:

• Nomination: You can name someone to receive the funds after your death.

• Succession: If no nominee is listed, heirs must provide legal proof to claim the money.

• Joint accounts: The surviving person can continue or encash depending on the account type.

• Special minors: If the guardian dies, a court will appoint a new guardian. The investment stays under the child’s name.

Is It Still a Good Investment?

Yes, especially for people looking for low-risk, monthly income. Some banks may offer higher interest (over 20%), but Behbood Certificates offer stable returns, government guarantee, and tax benefits, which are hard to match.

How to Invest

Just fill out the SC-1 form at a National Savings Centre or authorized bank. You can pay by cash, cheque, or bank draft. You’ll receive your certificates right away if you pay in cash. Online applications are also available for added convenience.

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