Behbood Short Term Savings Certificate 2025 – Safe Income for Senior & Special Citizens
The Behbood Short Term Savings Certificate (BSTSC) is a secure and government-backed savings option managed by the Central Directorate of National Savings (CDNS). It provides short-term investment opportunities with monthly profits for senior citizens, widows, and persons with disabilities. The scheme is designed to give financial independence to people who rely on regular income but do not want to keep their money locked for many years.
Purpose of the Scheme
The main goal of the Behbood Short Term Savings Certificate is to offer safety, regular income, and flexibility. It suits those who want to earn profit without taking risks or committing to long-term investments. Many retirees, widows, and disabled persons use this scheme to manage household, medical, or personal expenses while keeping their savings secure.
Key Features
- Eligibility: Senior citizens (60+), widows (not remarried), and persons with disabilities (verified CNIC).
- Tenure: Usually 3 to 5 years, providing short-term flexibility.
- Profit Payment: Monthly profit gives consistent income.
- Denominations: Rs. 10,000, Rs. 50,000, Rs. 100,000, Rs. 500,000, and Rs. 1,000,000.
- Investment Limit: Up to Rs. 7.5 million for single investors and Rs. 15 million for joint accounts.
- Tax & Zakat: Profit is taxable under government rules. Zakat is deducted unless exemption applies.
- Early Withdrawal: Investors can cash out before maturity with a small service charge during early years.
Latest Profit Rate (October 2025 Update)
According to the latest CDNS notification, the profit rate for Behbood Short Term Savings Certificates has been revised to 12.20% per annum, up from 12.00% in July 2025.
For instance, if you invest Rs. 100,000, you can earn around Rs. 1,017 per month as profit. This makes it a dependable source of regular income for retirees and widows.
Benefits
- Government-guaranteed safety
- Steady monthly profit
- Flexible short-term plan
- Easy to open and manage at any National Savings Center
- Especially designed to support vulnerable citizens
Conclusion
The Behbood Short Term Savings Certificate 2025 is one of Pakistan’s most reliable options for a secure and regular income. With the latest profit rate of 12.20%, it gives peace of mind and financial independence to special citizens, helping them manage their needs with dignity and confidence.
