National Savings Scheme “Behbood Savings Certificates” (BSC)


Behbood Savings Certificates (BSC)

Central Directorate of National Savings Government of Pakistan ministry of finance announced Behbood Savings Certificates (BSC) for Widows & Senior Citizen. Keeping in view the hardships faced by the widows and senior citizens, Behbood Savings Certificates with a 10-years maturity period were launched by the Government of Pakistan on 30, July 2003. Initially, BSC was meant for widows only; however, it was decided later by the Government to extend the facility to senior citizen aged 60 years and above with effect from January 1, 2004.

Behbood Savings Certificates Main Points

Categories Certificates
Starting Date 2003
Maturity 10 Years
Profit Paid Monthly Basis
Beneficiaries Widows & Senior Citizen
Denomination 5000/-, 10000/-, 50000/-, 100000/-, 500000/-, 1000000/-
Mode of investment Cash & Cheque

Profit Rate Revised

 Behbood Savings Certificates is available in the denominations of:

  • Rs.5, 000/
  • Rs. 10,000/
  • Rs. 50,000/
  • Rs. 100,000/
  • Rs. 500,000
  • Rs. 1,000,000

Profit is paid on monthly basis started from the date of purchase of the certificates.

Who Can Invest Behbood Savings Certificates?

Behbood Savings Certificates can be purchased by any of the following Citizens of Pakistan, namely: –

(a) A senior citizen aged sixty years or above

(b) A single widow as long as she does not re-marry

(c) Two eligible persons as in clause (a) and (b) in their joint names

Payments can be made the holders jointly or to either with the written consent of the other (Joint class-A) and to either (Joint class-B).

Behbood Savings Certificates

How to Purchase Behbood Savings Certificates?

BSC can be purchased only from the National Savings Centers (NSC) by filling in SC-1 (Application Form), available free of cost from the issuing offices.

Documents Required with the Application Form

  • Senior citizens:
  • A copy of the Computerized National Identity Card (CNIC)/ National Identity Card
  • Overseas Pakistanis:
  • National Identity Card for Overseas Pakistanis (NICOP)
  • Widows:
  • A copy of the Death Certificate of the husband duly issued from concerned department.

An undertaking on stamp paper to the effect that she has not re-married till the date of deposit duly attested by Notary Public/Oath Commissioner bearing his/ her seal and stamp.

On a later stage, if it is disclosed that the widow re-married then the amount received by her shall be refunded as per rules.

To download the application form in editable Adobe Acrobat format please click here.

Mode of Deposit

Behbood Savings Certificates can be purchased by depositing cash at the issuing office or by presenting a cheque/ draft/ pay order. In case of deposit through cheque/ draft/ pay-order, the Certificates will be issued with effect from the date of realization of the cheque/ draft/ pay-order after receipt of the clearance advice. However, the Certificates shall be issued immediately against the cash payment.

Investment Limit

Minimum: Rs. 5,000/-


For a single investor: Rs. 5 million

For Joint investor (Category (a) or (b)): Rs.10 million


BSCs can be enchased any time after issuance subject to the deduction of service charges at the following rates: If the certificates encashed before completion of 1,2,3 and 4 years from the date of purchase then 1%, 0.75%,0.50% and 0.25% service charges of the face value shall be deducted respectively. If encashed after completion of 4 years there will be no service charges.

Furthermore, the Certificates issued/purchased/ reinvested on or after 15-11-2010 shall not be reinvested on maturity.

Rate of Return/Profit rates
For the rates click here

Tax & Zakat Status

Withholding tax is not collected on the profit earned on BSCs. Investments made in the BSC are also exempted from Zakat collection.


  1. I am an overseas retired would like to invest jointly in behbood national saving scheme how to print an application form and further is there any option for a direct deposit of profit to a local bank by NSC behbood in to a bank account.


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