Behbood Savings Certificates (October 2025 Update): Earn Big with Up to 50 Lac Investment Limit

The Behbood Savings Certificates (BSCs) remain one of the most secure and rewarding savings options offered by the Government of Pakistan under the Central Directorate of National Savings (CDNS). This special scheme is designed to provide financial security and regular income to senior citizens, widows, and persons with disabilities. As of the October 2025 update, the scheme continues to attract thousands of investors due to its high profit rates and government-backed safety.

Latest Profit Rate (October 2025 Update)

According to the latest notification from National Savings Pakistan, the current profit rate on Behbood Savings Certificates is 13.68% per annum. This rate has slightly increased compared to the mid-2025 rate of 13.20%, providing better returns to investors.

💡 Example:
If you invest Rs. 100,000, you can earn around Rs. 1,140 every month as profit.

Even after minor fluctuations earlier in the year, BSCs still offer one of the highest profit rates among all National Savings schemes.

Who Can Invest?

The following individuals are eligible to purchase Behbood Savings Certificates:

• Senior citizens aged 60 years or above
• Widows who have not remarried
• Persons with disabilities, verified through their CNIC
• Guardians of special minors

Joint accounts are also allowed between two eligible individuals, such as two senior citizens or a widow and a parent of a special child.

Investment & Withdrawal Rules

• Minimum investment: Rs. 5,000
• Maximum (single): Rs. 7.5 million
• Maximum (joint): Rs. 15 million

Early encashment is allowed, but service charges apply if withdrawn before four years. After four years, investors can withdraw funds without any penalty.

How to Apply

You can buy BSCs from any National Savings Center (NSC) in Pakistan.
Simply:

1. Fill out the SC-1 form (available at the branch).
2. Submit your CNIC, eligibility proof (such as pension card, disability certificate, or widowhood proof), and passport-size photos.
3. Pay through cash, cheque, or pay order.

Final Thoughts

The Behbood Savings Certificates continue to be a top choice for Pakistan’s senior citizens, widows, and people with disabilities. With a 13.68% annual return, guaranteed safety, and monthly profit, this scheme offers peace of mind and stable income. However, investors should keep track of profit rate changes and manage withdrawals carefully to make the most of their savings in 2025.