The National Savings, also known as Qaumi Bachat Bank, introduced Behbood Savings Certificates in 2003 to support widows and elderly individuals by providing them with monthly profits at reasonable rates.

Recently, the government has lowered the profit rates for Behbood Certificates for the third time in a few months, and as of February 21, 2024, it stands at 15.36%.

Initially designed for widows and elderly individuals, the scheme was expanded in 2004 to include disabled persons and special minors through their guardians.

Behbood Savings Certificates are available in various denominations ranging from Rs5,000 to Rs1,000,000, with profits paid on a monthly basis from the date of purchase.

Eligible purchasers include senior citizens aged sixty or above, single widows who do not remarry, joint holders consisting of two eligible individuals, and disabled persons or special minors through a guardian.

Regarding investment limits, the minimum investment is Rs5,000, while single investors can invest up to Rs7.5 million, and joint investors have a limit of Rs15 million.

As of February 21, 2024, the profit rate for Behbood Savings Certificates has been reduced to 15.36%, resulting in a profit of Rs1,280 for every Rs100,000 invested. Previously, the profit rate was 16.08% until February 20, 2024.

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