The National Savings Center (Qaumi Bachat Bank) continues to offer an attractive profit rate on the Behbood Savings Certificates (BSC) for October 2025. This scheme remains one of the most trusted and secure investment options in Pakistan, especially designed for widows, senior citizens, and persons with disabilities.
The profit rate, which was last revised in July 2025, has not changed this month, giving investors a sense of stability and long-term security. For individuals looking for a steady monthly income with guaranteed returns, the Behbood Savings Certificates are an excellent choice.
Background of the Scheme
The Behbood Savings Scheme was launched in 2003 to financially support widows and senior citizens. In 2004, the program was expanded to include persons with disabilities and special minors through their guardians. Over the years, it has become one of Pakistan’s safest investment options, offering consistent profits and full government backing.
These certificates are available in various denominations, including Rs. 5,000, Rs. 10,000, Rs. 50,000, Rs. 100,000, Rs. 500,000, and Rs. 1,000,000—making it suitable for both small and large investors.
Current Profit Rate – October 2025
The current profit rate stands at 12.96% per annum, which equals a monthly profit of Rs. 1,080 on every Rs. 100,000 invested.
This consistent return, backed by the Government of Pakistan, provides financial peace of mind to investors who prefer a low-risk and predictable income source.
Investment Limit
- Maximum limit for a single investor: Rs. 7.5 million
- Maximum limit for joint investors: Rs. 15 million
These limits allow individuals and couples to invest comfortably while earning regular income through safe means.
Eligibility Criteria
The following individuals can invest in Behbood Savings Certificates:
- Senior citizens aged 60 years or above
- Widows, as long as they remain unmarried
- Persons with disabilities (holding a CNIC with the disability logo)
- Special minors, through their legal guardians
How to Apply for Behbood Savings Certificates
- Visit your nearest National Savings Center (Qaumi Bachat Bank) branch.
- Carry your original CNIC, passport-size photographs, and proof of eligibility (such as a widowhood or disability certificate).
- Fill out the application form provided by the bank.
- Deposit your investment amount through cash, cheque, or bank draft.
- Once approved, your Behbood Savings Certificate will be issued, and you’ll start earning profits from the next month.
Conclusion
The Behbood Savings Certificates continue to stand out as a safe and stable investment option for Pakistan’s senior citizens, widows, and differently-abled individuals. With a competitive profit rate of 12.96%, guaranteed monthly returns, and full government security, it remains a top choice for those seeking risk-free income.
