Earn Big with Behbood Savings Certificates – Up to 50 Lac Limit

Behbood Savings Certificates (BSCs) are special saving options by the Pakistani government for vulnerable groups. They offer monthly profits and are designed to help widows, senior citizens, and disabled people.

Let’s walk through all the important details as of 2025.

What Are Behbood Savings Certificates?

• The scheme started in 2003 to support widows and older people.
• In 2004, it was expanded so that disabled individuals and special minors (via guardians) can also invest.
• Profit is paid every month, starting from the purchase date.
• The certificate runs for 10 years.

Profit Rates (Latest)

Here is how the profit rates have changed recently:

• From February 2025, the rate was revised to 13.68% annually.
• Before that, in March 2025 it was cut from a higher rate.
• Earlier in 2025, the government reduced several National Savings scheme rates, including Behbood.
• In mid‑2025, Behbood, along with Pensioners Benefit and Shuhda Welfare, was offering 13.20% per annum after reduction.

So currently, 13.68% is the applied rate for Behbood as per national savings notice.

Example: If someone invests Rs 100,000, at 13.68%, they would earn Rs 1,140 per month in profit.

Who Can Invest?

These are eligible:

• Senior citizens aged 60 or above
• Widows who have not remarried
• Disabled persons, verified with CNIC having a disability logo
• Special minors under guardianship
• Joint accounts of two eligible persons (for example, two senior citizens or a senior citizen + widow)

Investment Size & Withdrawals

• Minimum investment: Rs 5,000
• Maximum for single investor: Rs 7.5 million
• Maximum for joint investors: Rs 15 million

Encashment or Early Withdrawal

You can cash out the certificate before the full 10 years, but there are some charges:

• If withdrawn before 1 year: 1% service charge
• Before 2 years: 0.75%
• Before 3 years: 0.50%
• Before 4 years: 0.25%
• After 4 years: no penalty

But note: Certificates purchased on or after November 15, 2010 cannot be reinvested on maturity.

How to Buy

• You must go to a National Savings Center (NSC)
• Fill out form SC‑1, available free at the office
• Submit required documents: CNIC, proof for widow (death certificate), proof of age, disability document if applicable
• Payment can be via cash, cheque, draft, or pay order

Things to Watch Out For & Challenges

• Profit rates may decrease with changes in government or policy. They were cut in early 2025.
• The service and process for encashment may take time, especially in remote areas.
• Some people complain about customer service delays, document issues, or getting cheque books. (From community reports)
• These certificates don’t compound (profit is not added to principal). So you don’t earn profit on profit.
• If a widow remarries later, she may have to return the benefit.

Final Thoughts

Behbood Savings Certificates remain one of the more generous and stable saving options for senior citizens, widows, disabled persons, and special minors in Pakistan. The current rate (13.68%) gives a steady monthly income, and with its built‑in exemptions and security, it is favored by many. But as with all investments, staying updated on policy changes and planning withdrawals carefully is important.