Behbood Savings Certificates are National Savings’ highest-paying scheme. They are made for senior citizens, widows and persons with disabilities who want a steady monthly income backed by the Government of Pakistan.
Last updated: 29 October 2026 by Ahmed.
Behbood Certificate Profit Rate (October 2026)
From 21 October 2026, the Central Directorate of National Savings (CDNS) pays 12.96% a year on Behbood Savings Certificates, up from 12.72%. That works out to Rs 1,080 a month on every Rs 100,000. The same rate applies to the Pensioners’ Benefit Account and Shuhada’s Family Welfare Account.
Monthly Profit on Behbood Certificates
| Investment | Monthly profit (no tax) | If 15% tax applied | If 30% tax applied |
|---|---|---|---|
| Rs 100,000 | Rs 1,080 | Rs 918 | Rs 756 |
| Rs 500,000 | Rs 5,400 | Rs 4,590 | Rs 3,780 |
| Rs 1,000,000 | Rs 10,800 | Rs 9,180 | Rs 7,560 |
| Rs 2,500,000 | Rs 27,000 | Rs 22,950 | Rs 18,900 |
| Rs 5,000,000 | Rs 54,000 | Rs 45,900 | Rs 37,800 |
| Rs 7,500,000 (individual limit) | Rs 81,000 | Rs 68,850 | Rs 56,700 |
Who Can Invest in Behbood Certificates?
- Pakistani senior citizens aged 60 or above
- Widows
- Persons with disabilities (differently-abled persons), with the required certificate
- Guardians on behalf of eligible minor disabled persons, under National Savings rules
Key Features
| Feature | Details |
|---|---|
| Maturity | 10 years |
| Profit payment | Every month |
| Denominations | Rs 5,000, 10,000, 50,000, 100,000, 500,000 and 1,000,000 |
| Maximum investment | Rs 7.5 million (single), Rs 15 million (joint) |
| Early encashment | Allowed, with a service charge of 1%, 0.75%, 0.5% or 0.25% of face value if encashed before 1, 2, 3 or 4 years; no charge after 4 years |
| Where to buy | Any National Savings Centre, and selected banks |
Is Behbood Certificate Profit Taxed?
Profit on Behbood Savings Certificates has been kept outside the general 15%/30% withholding tax that applies to most National Savings schemes, which is one reason it is popular with retirees. Tax rules can change in each budget, so ask your National Savings Centre to confirm the current treatment for your case. You can read more in our National Savings Certificates guide.
How to Buy Behbood Certificates
- Visit your nearest National Savings Centre with your original CNIC and a copy.
- Bring proof of eligibility: CNIC showing age 60+, a death certificate of your husband for widows, or a disability certificate.
- Fill in the application form for Behbood Savings Certificates.
- Deposit cash, or a cheque or pay order in the name of the National Savings Centre.
- Collect your certificates or registered account details, and give your bank account details for monthly profit.
Behbood vs Other Monthly Income Options
| Scheme | Rate (from 21 Oct 2026) | Profit on Rs 1 lakh | Who can invest |
|---|---|---|---|
| Behbood Savings Certificate | 12.96% | Rs 1,080 a month | Seniors 60+, widows, disabled persons |
| Pensioners’ Benefit Account | 12.96% | Rs 1,080 a month | Government pensioners |
| Regular Income Certificate | 12.12% | Rs 1,010 a month | Anyone |
| National Savings Savings Account | 10.00% | About Rs 833 a month | Anyone |
If you are not eligible for Behbood, our Regular Income Certificate guide explains the next-best monthly income scheme.
Frequently Asked Questions
What is the Behbood certificate profit rate today?
12.96% a year from 21 October 2026, or Rs 1,080 a month per Rs 100,000.
What is the age limit for Behbood certificates?
Senior citizens must be 60 years or older. Widows and persons with disabilities can invest at any adult age.
How much can I invest in Behbood certificates?
Up to Rs 7.5 million in a single name and Rs 15 million jointly.
Can I withdraw Behbood certificates early?
Yes. A service charge of 1% to 0.25% of face value applies if you encash within the first four years.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with the official source before you invest.
Related Guides
- National Savings Certificates: latest rates and tax
- National Savings Accounts: rates and rules
- Regular Income Certificate: monthly profit table
- Best investments for monthly income in Pakistan