Behbood, Defence Savings Certificates updated profit rates – August 2025

The Central Directorate of National Savings (CDNS) offers different savings schemes in Pakistan, including Behbood Savings Certificates (BSCs) and Defence Savings Certificates (DSCs). These schemes are designed to provide citizens with safe investments and reasonable profit rates, which are revised regularly according to inflation.

Behbood Savings Certificates (BSCs)

• Introduced in 2003, mainly for widows and senior citizens.

• Later, it was also extended to disabled persons and special minors with guardians.

• The duration is 10 years, and profit is paid every month from the purchase date.

• Minimum investment: Rs5,000.

• Maximum investment: Rs7.5 million for single investors and Rs15 million for joint investors.

Updated Profit Rate

• Current profit rate: 12.96%.

• Example: On an investment of Rs100,000, a person can earn Rs1,080 profit per month.

Defence Savings Certificates (DSCs)

• Available to all Pakistani nationals and Overseas Pakistanis.

• Can be purchased by an adult singly, jointly with another adult, or on behalf of minors.

• No maximum investment limit.

Profit Rate (from August 21)

• Current profit rate: 11.54%.

• Example of Rs100,000 investment over 10 years:

  • 1st Year: Rs109,000

  • 2nd Year: Rs119,000

  • 3rd Year: Rs130,000

  • 4th Year: Rs143,000

  • 5th Year: Rs158,000

  • 6th Year: Rs177,000

  • 7th Year: Rs200,000

  • 8th Year: Rs227,000

  • 9th Year: Rs259,000

  • 10th Year: Rs298,000

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