The Behbood Saving Certificate (BSC) is a popular financial scheme launched by the Government of Pakistan to provide steady profit assistance to specific groups of citizens. It is especially designed for senior residents, widows who have not remarried, and men and women with disabilities. This scheme has grown to be one of the most trusted financial savings alternatives because it gives a guaranteed monthly earnings, is free from tax deductions, and is fully subsidized with the aid of the government.
Latest Profit Rate – October 2025
According to the official update for October 2025, the annual profit rate for BSC is fixed at 13.20%, which is paid out every month to certificate holders.
- April 2025 rate: 13.68%
- March 2025 rate: 13.58%
- September 2025 rate: 13.20% (latest update)
Although the profit rate has slightly decreased compared to earlier months, it still remains one of the highest-return and safest savings schemes in Pakistan.
Who Can Invest? (Eligibility Criteria)
You can apply for Behbood Saving Certificates if you fall under any of these categories:
- Senior citizen (60 years or older)
- Widow who has not remarried
- Disabled person with valid proof
- Parents or legal guardians of a disabled child
✅ Joint accounts are also allowed, meaning two eligible people can open and invest together.
Investment Limits & Certificate Options
The scheme allows flexible investment amounts with clear limits:
- Single investor limit: Up to Rs. 7.5 million
- Joint account limit: Up to Rs. 15 million
Certificates are available in different denominations, such as:
- Rs. 5,000
- Rs. 10,000
- Rs. 50,000
- Rs. 100,000
- Rs. 500,000
- Rs. 1,000,000
This variety makes it easier for investors to choose an amount that suits their financial needs.
Key Features & Benefits
- Monthly Profit: 13.20% annual return, paid every month.
- Tax & Zakat Free: Investors enjoy full exemption from both.
- Government Security: Fully guaranteed by the Government of Pakistan.
- Tenure: Valid for up to 10 years with an option for early encashment (some conditions apply).
- Stable Income: Provides a reliable monthly income, especially helpful for retirees and widows.
How to Apply for Behbood Saving Certificates
Applying for BSC is simple and can be done through any National Savings Center (NSC) branch across Pakistan.
Step-by-Step Process:
- Visit your nearest National Savings Center.
- Collect and fill out the BSC application form.
- Prepare required documents:
- Original CNIC + photocopy
- Proof of eligibility (pension card, disability certificate, or widowhood proof)
- Passport-size photographs
- Submit the form along with the investment amount.
- After verification, your certificate will be issued.
- Monthly profit starts after the first month of issuance.
Why Choose BSC?
The Behbood Saving Certificate is one of the safest and most rewarding savings plans in Pakistan. Unlike risky investments, it provides a guaranteed monthly income without any tax deductions. This makes it perfect for people who need a steady source of income, such as pensioners, widows, and families caring for disabled members.
Final Thoughts
As of October 2025, the Behbood Saving Certificate gives a 13% percent.20% annual profit fee, making it an exquisite preference for long-term savings and monthly profits. With its authorities’ backing, tax-free returns, and high reliability, BSC remains a pinnacle monetary guide option in Pakistan.
