Behbood Savings Certificate Profit Rate Updated to 13.20%
The profit rate on Behbood Savings Certificates (BSCs) has been set at 13.20% as of June 10, 2026, making it one of the most attractive government-backed savings options available for eligible investors in Pakistan. (Source)
The Government of Pakistan introduced the Behbood Savings Certificate scheme in 2003 to provide a steady source of income for widows and senior citizens. Since January 1, 2018, the scheme has also been extended to disabled persons and special minors with disabilities through their guardians.
Behbood Savings Certificates are available in denominations of Rs. 5,000, Rs. 10,000, Rs. 50,000, Rs. 100,000, Rs. 500,000, and Rs. 1,000,000, allowing investors to choose an amount that suits their savings goals.
A key feature of the scheme is that profit is paid on a monthly basis, starting from the date of purchase of the certificates.
How Much Profit Can You Earn on Rs. 100,000?
At the latest profit rate of 13.20%, an investment of Rs. 100,000 would generate:
- Annual Profit: Rs. 13,200
- Monthly Profit: Approximately Rs. 1,100
This means investors can expect to receive around Rs. 1,100 every month before applicable taxes and deductions.
With its government backing and regular monthly profit payments, the Behbood Savings Certificate remains a popular savings option for widows, senior citizens, disabled persons, and special minors with disabilities.