Today News! Behbood Savings Certificates Profit Rate January 2026
Good news for senior citizens, widows, and disabled persons in Pakistan. The Government of Pakistan has officially confirmed the Behbood Savings Certificates (BSC) profit rate for January 2026. This scheme is one of the most trusted saving options in Pakistan, specially designed for people who depend on monthly income. If you have already invested in Behbood Savings or are planning to invest, this article gives you complete, updated, and easy-to-understand information so you do not need to search anywhere else.
Quick Information Table – January 2026
| Field | Details |
|---|---|
| Program Name | Behbood Savings Certificates |
| Start Date | January 2026 |
| End Date | No fixed end date |
| Profit Rate | 12.72% per annum |
| Monthly Profit | Rs 1,060 per 1 lakh |
| Eligible Persons | Senior Citizens, Widows, Disabled Persons |
| Application Method | Offline (National Savings Centers) |
What Are Behbood Savings Certificates?
Behbood Savings Certificates are a special investment scheme offered by National Savings Pakistan (Qoumi Bachat). This scheme is specially made for people who need regular monthly income, such as retired persons, widows, and persons with disabilities. The biggest advantage of this scheme is that the profit is paid every month directly into your bank account.
For January 2026, the government has kept the profit rate at 12.72% per year, which makes this scheme one of the highest and safest profit-giving saving options in Pakistan.
Behbood Savings Certificates Profit Rate – Latest Update January 2026
According to the latest update from National Savings, the profit rate for Behbood Savings Certificates in January 2026 is 12.72% per annum. Despite changes in inflation and market conditions, the government has decided to keep this rate stable for now. This is very good news for investors who depend on monthly profit for household expenses.
Profit Calculation Table – January 2026
You can check your monthly and yearly profit according to your investment amount in the table below:
| Total Investment (PKR) | Monthly Profit (Approx) | Yearly Profit |
|---|---|---|
| Rs 100,000 | Rs 1,060 | Rs 12,720 |
| Rs 500,000 | Rs 5,300 | Rs 63,600 |
| Rs 1,000,000 | Rs 10,600 | Rs 127,200 |
| Rs 5,000,000 | Rs 53,000 | Rs 636,000 |
Who Can Invest in Behbood Savings Certificates? (Eligibility 2026)
Behbood Savings Certificates are not open for everyone. Only the following people can invest under the 2026 rules:
- Senior Citizens: Age 60 years or above
- Widows: Until they remarry
- Persons with Disabilities: Must have a Special CNIC or disability certificate
- Joint Account: Two eligible persons can invest together
Investment Limit – January 2026
The government has set clear investment limits:
- Single Investor: Maximum Rs 7.5 million
- Joint Account: Maximum Rs 15 million
Investment beyond these limits is not allowed.
Major Benefits of Behbood Savings Certificates
- 100% Government Guarantee
This scheme is backed by the Government of Pakistan, so there is no risk of loss. - Regular Monthly Income
Fixed monthly profit helps in managing household and medical expenses easily. - Stable Profit Rate
Even when market profit rates change, Behbood Savings usually remain stable.
How to Open a New Behbood Savings Account? (Step-by-Step)
- Visit your nearest National Savings Center (NSC)
- Take your original CNIC and photocopies
- Widows must bring a husband’s death certificate
- Disabled persons must show a disability certificate or Special CNIC
- Deposit money through cash or cheque
- Receive your certificate and start getting monthly profit
Frequently Asked Questions (FAQs)
Q: Will the Behbood Savings profit rate decrease in January 2026?
A: At the moment, there is no official announcement of a decrease. The rate remains 12.72%.
Q: Is Zakat deducted on Behbood Savings Certificates?
A: No, Zakat is not deducted on this scheme, which is a big relief for investors.
Q: When will I receive my first profit?
A: You will receive your first monthly profit exactly one month after investment.
Final Words
Behbood Savings Certificates January 2026 are an excellent, safe, and reliable investment option for senior citizens, widows, and disabled persons in Pakistan. With a 12.72% profit rate, monthly income, and full government security, this scheme remains one of the best saving choices in the country.