Behbood Special Savings Certificate : Secure Savings for Senior & Special Citizens (October 2025 Update)

The Behbood Special Savings Certificate (BSC) is one of the most trusted saving schemes introduced by the Government of Pakistan through the Central Directorate of National Savings (CDNS). It is specially designed to support senior citizens, widows, and persons with disabilities by offering them a safe investment option with a steady monthly income. The October 2025 update confirms that this scheme continues to attract thousands of investors across the country due to its stability and government-backed security.

Who Can Apply

The Behbood Special Savings Certificate is meant for specific groups who require financial assistance and stable returns. The following people are eligible to invest:

• Senior citizens aged 60 years or above
• Widows who have not remarried
• Persons with disabilities holding a valid disability certificate
• Parents or guardians investing on behalf of a disabled child

Joint accounts are also allowed, meaning two eligible individuals (for example, a retired couple) can invest together and share monthly profits.

Main Features

• Available Denominations: Rs. 5,000, 10,000, 50,000, 100,000, 500,000, and 1,000,000
• Tenure: 10 years (long-term investment with steady returns)
• Monthly Profit: Paid every month directly to the investor’s account
• Investment Limit:
  • Single investor – up to Rs. 7.5 million
  • Joint account – up to Rs. 15 million
• Early Encashment: Allowed before maturity with small service charges if cashed within 4 years
• Tax & Zakat: Profit is taxable, but Zakat exemption applies in eligible cases

Latest Profit Rate (October 2025 Update)

As per the latest CDNS announcement, the profit rate for Behbood Special Savings Certificates is 12.96% per annum. Though slightly lower than earlier this year (13.20% in June), it remains one of the highest profit rates among all National Savings schemes.

For instance, an investor who deposits Rs. 100,000 can earn around Rs. 1,080 monthly, making it a consistent and risk-free income source.

How to Apply

You can apply at any National Savings Center (NSC) in Pakistan:

1. Visit the nearest NSC branch.
2. Fill out the BSC application form.
3. Attach required documents:
   • CNIC copy
   • Proof of eligibility (such as a pension or disability certificate)
   • Passport-size photographs
4. Deposit your investment amount via cash or cheque.

Conclusion

The Behbood Special Savings Certificate (BSC) remains one of Pakistan’s most secure and beneficial saving plans for deserving citizens. With a 12.96% profit rate, monthly income, and complete government guarantee, it ensures financial peace and stability for senior citizens, widows, and people with disabilities — making it a smart and compassionate investment choice in 2025.