The Behbood Savings Certificate (BSC) is a government-backed saving scheme in Pakistan. It is designed to help senior citizens, widows, disabled people, and guardians of special children. The main benefit of this certificate is that it gives monthly profits while keeping your money safe.
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Who Can Invest?
The certificate is available for:
- People aged 60 years or above
- Widows who have not remarried
- Persons with disabilities (with proper ID)
- Parents or guardians of special children
Key Features
- Denominations: Rs 5,000; Rs 10,000; Rs 50,000; Rs 100,000; Rs 500,000; Rs 1,000,000
- Maximum investment: Rs 7.5 million for one person, Rs 15 million for joint investors
- Profit payment: Paid monthly directly to your account
- Low risk: Fully backed by the government of Pakistan
Latest Profit Rates
- As of October 2025, the profit rate is about 13.68% per year.
- For example, if you invest Rs 100,000, you can get around Rs 1,140 per month.
- Rates may change over time, so always check official sources before investing.
Benefits of Behbood Savings Certificate
- Safe investment: Your money is protected by the government.
- Monthly income: Regular payments make it easy to manage daily expenses.
- Helps special groups: Senior citizens, widows, and disabled people benefit directly.
- Flexible investment: Start small or invest a larger amount within limits.
- No risk of loss: Unlike stocks, your capital is safe.
How to Apply
- Visit a National Savings Centre or the Central Directorate of National Savings (CDNS).
- Fill out the application form (SC‑1).
- Submit required documents like CNIC, disability certificate, widow’s certificate, etc.
- Deposit your money via cash, cheque, or pay order.
- You will receive your certificate, and profits will start monthly.
Withdrawal & Encashment
- You can withdraw before 4 years, but some charges may apply.
- After 4 years, you can encash without penalty.
- Profits continue until the certificate is withdrawn or matures.
Conclusion
The Behbood Savings Certificate is a safe and reliable way to save money and earn monthly profits. It is ideal for retired people, widows, and persons with disabilities who need steady income.
If you are eligible, investing in a Behbood Savings Certificate is a smart choice for financial security and regular earnings.
