Behbood Saving Certificates – A Safe & Smart Monthly Income Option
Behbood Saving Certificate (BSC) is a unique financial savings plan launched by the Government of Pakistan to assist people who want extra economic assistance. It is specifically designed for senior residents, widows who’ve not remarried, and individuals with disabilities. This scheme is taken into consideration secure and gives regular earnings every month.
Latest Profit Rate (Updated June 27, 2025)
The government has fixed the latest profit rate at 13.20% per year, which is paid on a monthly basis to all certificate holders.
Earlier profit rates were slightly higher in previous months, such as 13.68% in April 2025 and 13.58% in March 2025, but the most recent official update confirms 13.20% per annum.
Who Can Invest? (Eligibility)
You can invest in Behbood Saving Certificates if you are:
- A senior citizen (60 years or above)
- A widow who has not remarried
- A physically disabled person
- Parent or guardian of a disabled child
Joint accounts are also allowed, meaning two eligible people can open and invest together.
Investment Limits and Certificate Options
- A single investor can invest up to Rs 7.5 million.
- For joint accounts, the maximum limit is Rs 15 million.
- Certificates are available in different amounts: Rs 5,000, Rs 10,000, Rs 50,000, Rs 100,000, Rs 500,000, and Rs 1,000,000.
Main Features and Benefits
| Monthly Profit | 13.20% annual return, paid every month |
| Tax & Zakat | Completely exempt from both |
| Security | Fully backed by the Government of Pakistan |
| Tenure | Valid for up to 10 years; early cashing allowed with some conditions |
How to Apply for Behbood Saving Certificates
Applying for a BSC is simple and can be done at any branch of National Savings Centers across Pakistan. Follow these steps:
- Visit a National Savings Center near you.
- Pick up the BSC form.
- Prepare required documents, including:
- Original CNIC and its photocopy
- Proof of eligibility (for example: pension card, disability certificate, or widowhood proof)
- Recent passport-size photographs
- Fill out the application form carefully and attach the required documents.
- Submit the form and deposit your investment amount at the counter.
- After verification, you will be issued the certificate, and your monthly profit will start after the first month.
Why Choose BSC?
This scheme is highly beneficial for those who want a regular monthly income without taking risks. The exemption from tax and Zakat makes it even more attractive, as you get the full benefit of your investment.
Conclusion
Behbood Saving Certificate is one of the most trusted and high-return saving options in Pakistan for specific groups. From June 27, 2025, the profit rate stands at 13.20% annually, providing stable monthly earnings. If you or your family members fall under the eligible categories, this is a secure and rewarding way to grow your savings.
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Wm952595
Is BS certified is halal from Islamic point of view
Is it Shariah Compliant?
Did you receive any response?
Do it becomes Ribah (سود) in any way as per Islamic Shariah?
Hope you will please reply keeping in view the Islamic Jurisdiction.
Ja Zak Allaho khairan.
Indeed help
Reply
شریعت کے مطابق ھے
Ok Sahi ha phr
Plz can u explain k kasay hi ye shayret k mutabiq
Ghazanfar Shahzad Pakistan Punjab Gujranwala City Asad colony Mickey road – 00923007410070 ——– 00923456757055 00923158281285 [email protected]
“Hi, I have a query regarding savings certificates. If I invest a certain amount and need to withdraw it within a short period, say 1-3 months, what penalties or deductions can I expect? Although I know these certificates are designed for long-term investments (10 years), I’d like to know the specifics of early withdrawal penalties. Could you please provide more information on this? Thank you!”
If the certificates encashed before completion of 1,2,3 and 4 years from the date of purchase then 1%, 0.75%,0.50% and 0.25% service charges of the face value shall be deducted respectively
Yes one thousand is deducted on 1 lac investment
👍👍👍👍👍
Aoa sir ka Kya normal awam ko Kya faida ho ga plz bta dain
Is it Shariah compliant?
I understand these are not Sharia Compiant. Had it been there would have been an announcement from National Saving Centre NSC). However, It will be worthwhile to get it confirmed from NSC.
Last year 2023 2024 fbr return income tax was charges 5 percent above income of 600000 This year 2024 2025income when we fill the same it is charging 15 percent why if there is any change it should be charged in 2025 2026 because what ever we have earn profit is for 2024 2025. Please clarify immediately we are wating to submit the return
I am talking about beh ood income above 600000