Behbood Savings Certificates: Check latest profit rate for April 2025

ISLAMABAD: The Central Directorate of National Savings, also known as the Qaumi Bachat Bank, has announced a slight increase in the rate of interest on Behbood Savings Certificates for April 2025 following its recent review conducted in March 2025.

The revised rates will be applicable for the entire month of April 2025 until further notice is announced.

Behbood Savings Certificates were introduced in 2003, with the aim of providing financial relief to widows and senior citizens through continuous monthly interest.

In 2004, disabled persons and special minors were also included in the scheme to be placed under the custody of qualified guardians.

Profit Rate for Behbood Savings Certificates

According to the latest revision, the Behbood Savings Certificates Profit Rate for April 2025 has been updated to 13.68%. It means that an investment of Rs 100,000 will give a monthly profit of Rs 1,140.

Here’s the Eligibility Criteria

The following Pakistani citizens are eligible to purchase Certificates:

• Senior citizens aged 60 years or above.
• Single widows who have not remarried.
• Two eligible individuals (senior citizens or widows) in joint names.
• Disabled persons holding a NIC with Disability logo, and special minors through a guardian.

Investment Limits

The maximum investment limit for a single individual is Rs7.5 million, while joint investors can invest up to Rs 15 million.

Denominations Available

Behbood Savings Certificates are available in the following denominations:

• Rs5,000
• Rs10,000
• Rs50,000
• Rs100,000
• Rs500,000
• Rs1,000,000.

For more details on the latest interest rates, visit the official website of National Savings Pakistan here. Earlier, the Central Directorate of National Savings had fixed a competitive interest rate for Defence Savings Certificates in April 2025.

This rate, updated in March 2025, remains in effect until the next adjustment. These certificates are intended to be a 10-year investment opportunity for Pakistani citizens, including overseas Pakistanis.

Both Pakistani citizens and overseas Pakistanis can invest, and adults can also purchase them on behalf of one or two minors, or jointly with a minor.