Behbood Defense Savings Certificates 2025 – A Safe & Steady Investment Option
The Defense Savings Certificate (DSC) is one of Pakistan’s most trusted long-term savings schemes, managed by the Central Directorate of National Savings (CDNS). It allows citizens to invest securely while earning a guaranteed profit. Over the years, it has become a top choice for people who prefer safe, government-backed investments instead of risky options.
Purpose of the Scheme
The Defense Savings Certificate was introduced to help the government raise funds for national defense and public welfare. It also encourages personal savings by offering a stable and risk-free way to grow money. The scheme is especially popular among retirees, salaried individuals, and families planning for education, retirement, or long-term security.
Key Features
- Eligibility: Available to all Pakistani citizens, including joint holders and minors through guardians.
- Tenure: 10 years (profit paid at maturity).
- Profit Payment: Profit is cumulative and paid as a lump sum after 10 years, meaning it compounds annually.
- Denominations: Rs. 500, Rs. 1,000, Rs. 5,000, Rs. 10,000, Rs. 50,000, Rs. 100,000, Rs. 500,000, and Rs. 1,000,000.
- Minimum Investment: Rs. 500 only.
- Maximum Limit: No fixed upper limit, but large investments may need extra verification.
- Encashment: Can be withdrawn before maturity with lower profit.
- Tax & Zakat: Profit is taxable, and Zakat applies unless an exemption is declared.
Latest Profit Rate (October 2025 Update)
As of October 2025, the profit rate for Defense Savings Certificates is 12.40% per annum, slightly higher than the mid-2025 rate of 12.10%. This increase was announced after the central bank adjusted its policy rate.
For example, if you invest Rs. 100,000, after 10 years you can expect around Rs. 322,000 in total, including accumulated profit.
Why Choose DSC?
- Safe and government-backed
- Fixed, predictable profit
- Suitable for retirement or children’s education planning
- Easy to buy from any National Savings Center
- Option to withdraw early if needed
Final Thoughts
The Defense Savings Certificate 2025 remains a top pick for low-risk investors in Pakistan. With the latest profit rate of 12.40%, it offers steady growth and long-term financial peace of mind — a smart choice for anyone planning a secure future.
