Behbood Savings Certificates profit rate in Pakistan – April 2025

The Qaumi Bachat Bank (also known as the Central Directorate of National Savings) has slightly increased the profit rate for Behbood Savings Certificates in its latest review done in March 2025. These updated rates are still valid for April 2025 and will stay the same until the next revision.

What is Behbood Savings Certificate?

This savings plan received its launch in 2003 to assist the elderly and widows with a reliable source of monthly income, before subsequently expanding in 2004 to now include disabled persons and special disabled minors (through their guardians).

These certificates are popular because they offer a monthly profit, making them a great investment option for people who rely on regular income.

Available Denominations:

You can buy these certificates in amounts of Rs5,000, Rs10,000, Rs50,000, Rs100,000, Rs500,000, and Rs1,000,000.

Who Can Invest?

• Citizens aged 60 years or older
• Widows who have not remarried
• Joint holders (like a senior citizen and a widow together)
• Disabled persons with a CNIC showing their disability
• Special minors through a guardian

Investment Limit

• Rs7.5 million for a single investor
• Rs15 million for joint investors

Behbood Savings Certificates Profit Rate April 2025

The new profit rate is 13.68%, which means if you invest Rs100,000, you’ll earn a monthly profit of Rs1,140.

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