The National Savings Centre continues to provide a reliable investment option for specific groups in Pakistan. Behbood Savings Certificates offer attractive, stable monthly returns for investors.
The profit rate remains at 12.96% per annum as of October 2025. This rate was last revised in July and provides a secure return for small and medium investors. The government has set the annual profit rate at 12.96%. This provides a steady, predictable income for eligible individuals.
For every Rs. 100,000 invested, the monthly profit is Rs. 1,080. This consistent payout makes it a preferred choice for those seeking a risk-free income. The scheme is backed by the Government of Pakistan. This makes it one of the most secure investment avenues available.
Read: State Bank of Pakistan Holds Interest Rate at 11%
Behbood Savings Certificates are designed for specific groups. The eligibility criteria are clearly defined by the National Savings Centre.
The following individuals can invest:
- Senior citizens aged 60 years or above.
- Widows (as long as they remain unmarried).
- Persons with disabilities holding a CNIC with a disability logo.
- Special minors through their legal guardians.
There is a maximum limit for investment. A single person can invest up to Rs. 7.5 million.
For joint investors, the maximum limit is Rs. 15 million. The certificates are available in various denominations to suit different investment capacities.
