Behbood Savings Certificates profit rate updated for 2026

ISLAMABAD: The Central Directorate of National Savings has announced a revised profit rate for Behbood Savings Certificates, which will be effective from January 2026.

The federal government introduced Behbood Savings Certificates in 2003 to support widows and senior citizens who face financial difficulties. These certificates are popular because they offer monthly profit, making them a reliable source of income.

In 2004, the scheme was expanded to include disabled persons and special-needs minors. In such cases, a guardian is allowed to manage the investment on their behalf.

Denominations of Behbood Savings Certificates

Behbood Savings Certificates are available in the following amounts:
Rs5,000, Rs10,000, Rs50,000, Rs100,000, Rs500,000, and Rs1,000,000.

Who Can Buy Behbood Savings Certificates?

According to official rules, the certificates can be purchased by:

• Senior citizens aged 60 years or above

• Widows, as long as they do not remarry

• Two eligible persons (senior citizens or widows) in joint names

• Disabled persons holding a NIC with a disability logo

• Special-needs minors, through their guardian

Investment Limit

A single investor can invest up to Rs7.5 million, while joint investors can invest up to Rs15 million.

Latest Profit Rate

The government has fixed the profit rate at 12.48 percent. This means an investor can earn a monthly profit of Rs1,040 on an investment of Rs100,000.

Why Behbood Savings Certificates Matter

Behbood Savings Certificates are considered one of the best investment options for widows, senior citizens, and disabled persons in Pakistan because they provide steady monthly income and financial security.