Behbood Special Savings Certificate: Secure Savings for Special Citizens
The Behbood Savings Certificate (BSC) is a special savings scheme offered by the Government of Pakistan under the Central Directorate of National Savings (CDNS). It is designed to provide financial support and regular income to senior citizens, widows, and people with disabilities. This scheme is one of the most trusted and beneficial saving options in Pakistan for individuals who seek both safety and steady income.
Who Can Apply
The Behbood Savings Certificate is not open to everyone. Only the following categories of people are eligible to invest:
- Senior citizens aged 60 years or above
- Widows who have not remarried
- Persons with disabilities who hold a valid disability certificate
- Parents or guardians investing on behalf of a disabled minor
Joint accounts can also be opened between eligible persons, such as a husband and wife who both qualify for the scheme.
Main Features
- Denominations: The certificates are available in amounts such as Rs. 5,000, 10,000, 50,000, 100,000, 500,000, and 1,000,000.
- Tenure: The maturity period is 10 years, making it a long-term investment.
- Profit Payments: Profit is paid monthly, providing a regular source of income.
- Investment Limit:
- For a single person – up to Rs. 7.5 million
- For joint accounts – up to Rs. 15 million
- Encashment: Investors can withdraw their money before maturity. However, small service charges apply if the certificate is cashed within the first four years.
- Tax and Zakat: The profit is subject to tax deductions, but Zakat exemption may apply in some cases.
Latest Profit Rate (2025 Update)
As of July 2025, the profit rate on Behbood Savings Certificates is 12.96% per year. This rate is slightly lower than earlier in the year when it was around 13.68%. The profit is credited every month, and the annual return remains among the highest compared to other government savings products.
For example, if someone invests Rs. 100,000, they can earn approximately Rs. 1,080 in profit every month.
Why Choose Behbood Savings Certificate
- Government-backed Security: It is a safe and guaranteed investment.
- Monthly Income: Ideal for retirees and widows who depend on a steady income.
- Special Support: Specifically designed for senior citizens and persons with disabilities.
- Flexible Withdrawal: Funds can be withdrawn before maturity if needed.
How to Apply
You can purchase a Behbood Savings Certificate from any National Savings Center across Pakistan. Simply fill out the application form, provide your CNIC, proof of eligibility (such as a widow’s or disability certificate), and deposit the investment amount in cash or through a cheque.
Conclusion
The Behbood Savings Certificate is one of the great alternatives for senior residents, widows, and disabled people in Pakistan. It combines security, a normal income, and attractive returns, making it a reliable financial guide system for those who deserve special care.
