Latest profit rate on 2 lakh investment in Behbood Saving Certificates

ISLAMABAD: National Savings Centre or Qaumi Bachat Bank provides a handsome monthly return on Behbood Savings Certificates to customers in Pakistan.

The directorate had already changed the rates of profit in July 2025, a nd they remain unchanged in October 2025.

The Government of Pakistan launched the Behbood Certificates in 2003, considering the hardships of widows and elderly people, as it provides a monthly pension at a reasonable rate.

These certificates are deemed among the most appealing investment options for this segment of society in Pakistan because they provide monthly returns.

During the year 2004, the scheme was also opened for disabled individuals and special disabled minors through their guardians.

The Behbood Savings Certificates can be purchased in denominations of Rs5,000, Rs10,000, Rs50,000, Rs 100,000, Rs500,000, and Rs1,000,000.

Who Can Purchase Behbood Savings Certificates?

As per the official website, the certificates are available for purchase by any of the following Pakistani citizens, i.e.:

(a)A person who is a senior citizen of sixty years or more

(b)A single widow, provided she does not remarry

(c)Two eligible individuals as in sub-clause (a) and (b) jointly in their names

(d)Disables possessing NIC with Disability logo, and a special minor under a Guardian.

Investment Limit

One individual can invest a maximum of Rs7.5 million, while the joint investors can invest Rs15 million.

Profit on Rs 2 lakh investment in Behbood Savings Certificates

The government has determined the rates of profit on Behbood Savings Certificates at 12.96 percent. It implies that the citizens can earn Rs 1,080 monthly profit on an investment of Rs 100,000 each.

If you invest Rs200,000 in Behbood certificates, the monthly profit will be Rs2,160.