Behbood Short Term Savings Certificate: A Safe Option for Special Citizens

The Behbood Short Term Savings Certificate is a government-backed saving instrument offered through the Central Directorate of National Savings (CDNS). It is designed to provide a safe, short-term investment opportunity for senior citizens, widows, and persons with disabilities. The scheme aims to support these groups by giving them a secure way to earn a regular profit without locking their money for too long.

Purpose of the Scheme

The main purpose of the Behbood Short Term Savings Certificate is to help individuals who depend on regular income but do not wish to invest their funds for a long period. It provides them with a balance between profit, safety, and liquidity.

This scheme is especially suitable for retirees or widows who may need to withdraw their money earlier to meet household or medical expenses.

Key Features

• Eligibility: Senior citizens (60 years and above), widows who have not remarried, and persons with disabilities holding valid disability certificates can invest in this scheme.
• Tenure: The term of the Behbood Short Term Savings Certificate is generally 3 to 5 years.
• Profit Payment: Profit is paid monthly, giving investors a consistent income source.
• Denominations: Certificates are available in various amounts such as Rs. 10,000, Rs. 50,000, Rs. 100,000, Rs. 500,000, and Rs. 1,000,000.
• Investment Limit: A single person can invest up to Rs. 7.5 million, while a joint account can go up to Rs. 15 million.
• Tax & Zakat: The profit earned is subject to tax deductions according to government rules. However, Zakat exemptions may apply under certain conditions.
• Early Encashment: Investors can withdraw their funds before maturity, but a small service charge may apply during the first few years.

Profit Rate 2025 Update

As of July 2025, the government set the profit rate for short-term saving certificates at around 10.14% per year. A Behbood version would typically offer a slightly higher rate, close to 12% annually, as it is aimed at special citizens.

For example, if someone invests Rs. 100,000, they may earn approximately Rs. 1,000 per month in profit.

Advantages

1. Secure Investment: It is fully backed by the Government of Pakistan.
2. Monthly Income: Regular profit payments help maintain a stable income flow.
3. Flexibility: The short-term duration makes it suitable for those who don’t want long-term commitments.
4. Special Support: It helps senior citizens and widows to manage their finances independently.

Conclusion

The Behbood Short Term Savings Certificate provides a strong combination of security, flexibility, and regular income. It serves as a practical choice for those who cannot commit to long-term investments but still want to earn a decent profit from their savings. By introducing such short-term options, the government continues its mission to empower special citizens through safe and rewarding financial schemes.