Behbood savings certificates profit rates for December 2025 announced
Business
The profit rates were last revised in November 2025 and remain unchanged for December 2025.
ISLAMABAD (Dunya News) - The National Savings Centre, also known as Qaumi Bachat Bank, provides monthly profit returns to investors through the Behbood Savings Certificates (BSCs).
The profit rates were last revised in November 2025 and remain unchanged for December 2025.
Introduced by the government in 2003, the Behbood Savings Certificates were designed to support widows and senior citizens by offering them a stable monthly income at a reasonable rate. Owing to these benefits, the scheme is considered one of the most attractive investment options for this segment. In 2004, eligibility for the scheme was expanded to include persons with disabilities and special minors through their guardians.
The certificates are available in multiple denominations, including Rs5,000, Rs10,000, Rs50,000, Rs100,000, Rs500,000, and Rs1,000,000.
Investment Limit
Under the current rules, an individual investor can invest up to Rs7.5 million, while joint investors can invest up to Rs15 million for a duration of 10 years.
Profit Rate
The government has fixed the profit rate on Behbood Savings Certificates at 12.72 percent. This means an investor earns a monthly profit of Rs1,060 on an investment of Rs100,000.
Updated Profit on Rs2 Million Investment
For those investing Rs2 million in Behbood Savings Certificates, the monthly profit amounts to Rs21,200.
