Last Updated: 22 October 2026
Author: Muhammad Imran – Educativz.com
Source: savings.gov.pk – Latest Profit Rates (CDNS), effective 21 October 2026
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⚡ Quick answer: The Behbood Savings Certificate profit rate rose from 12.72% to 12.96% per year from 21 October 2026, which means Rs 1,080 monthly profit on every Rs 100,000 (up from Rs 1,060). The Central Directorate of National Savings (CDNS) also raised the rates on Regular Income, Special Savings, Defence Savings, Short Term Savings and Sarwa Islamic schemes. The ordinary Savings Account stays at 10%. Rates and rules below are taken from savings.gov.pk; please confirm before you invest.
📑 In this guide
If you were searching for the Behbood Savings Certificate profit rate in October 2026, here is the short story: National Savings has revised its profit rates and most schemes now pay more. Senior citizens, widows and disabled persons who invest in Behbood certificates get 12.96% a year paid monthly. This guide lists every scheme with the old vs new rate, explains who can invest in Behbood, shows a simple example (for example Rs 10 lakh) and answers common questions such as “national savings profit rate barh gaya” and “CDNS naye rates”. The previous revision (effective 1 October 2026) had put Behbood at 12.72%, as reported by ProPakistani.
📊 CDNS Profit Rates October 2026: OLD vs NEW (Full List)
Effective 21 October 2026. Profit rates are per year unless stated. Old rates are the rates before this revision as reported by The News, ProPakistani and Daily Pakistan; new rates match the savings.gov.pk page.
| Scheme | Old rate | New rate | What it means |
|---|---|---|---|
| Behbood Savings Certificates (10 yrs, monthly profit) | 12.72% | 12.96% | Rs 1,060 → Rs 1,080 per Rs 100,000 per month |
| Pensioners’ Benefit Account | 12.72% | 12.96% | Same as Behbood: Rs 1,080 per Rs 100,000 per month |
| Shuhada Family Welfare Account | 12.72% | 12.96% | Same as Behbood: Rs 1,080 per Rs 100,000 per month |
| Regular Income Certificates | 11.76% | 12.12% | Rs 980 → Rs 1,010 per Rs 100,000 per month |
| Special Savings Certificates | 11.6% | 12% | First 5 six-monthly payments Rs 6,000 per Rs 100,000; final (6th) payment 12.8% = Rs 6,400 |
| Short Term Savings Certificates (3 months) | 10.80% | 11.12% | Longer periods up to 11.72% (see savings.gov.pk for the old figures) |
| Sarwa Islamic Savings Account | 11.33% | 11.84% | Official page shows 11.84% |
| Sarwa Islamic Term Accounts | see savings.gov.pk | 11.84% – 12.12% | Depends on the term |
| Savings Account | 10% | 10% (no change) | Official page: “no change” |
| Special Savings Account | see savings.gov.pk | see savings.gov.pk | Not given in the sources we checked |
Defence Savings Certificates (cumulative return over the full term):
| Term | Old | New |
|---|---|---|
| 6 years | 86% | 88% |
| 7 years | 109% | 113% |
| 8 years | 136% | 142% |
| 9 years | 168% | 176% |
| 10 years | 205% | 215% |
Note: We list a number only where an official or cross-checked source shows it. Where a figure is not shown above, see savings.gov.pk/latest-profit-rates. The official summary table on that page is an image; always check it for the latest figures.
👵 Behbood Savings Certificate: Who Can Invest and Key Rules
Behbood Savings Certificates (BSC) are meant for senior citizens, widows and disabled persons. The facts below are from the official Behbood Savings Certificate page:
- ✅ Who can invest: citizens of Pakistan aged 60 or above; a single widow (as long as she does not remarry); two eligible persons in joint names; disabled persons with an NIC carrying the disability logo (special minors through a guardian since 1 Jan 2018).
- ✅ Tenor: 10 years. Profit: paid monthly from the date of purchase.
- ✅ Minimum investment: Rs 5,000. Maximum: Rs 7.5 million (single) / Rs 15 million (joint investors in the categories above).
- ✅ Denominations: Rs 5,000, 10,000, 50,000, 100,000, 500,000 and 1,000,000.
- ✅ Early encashment: allowed after issuance with a service charge on face value: 1% (before 1 year), 0.75% (before 2), 0.50% (before 3), 0.25% (before 4), none after 4 years.
- ✅ Where to buy: National Savings Centres only (Form SC-1).
🧮 Example: How Much Monthly Profit at 12.96%?
Formula: Monthly profit = Investment × 12.96% ÷ 12 (equivalent to Rs 1,080 for every Rs 100,000). This is an indicative calculation before any tax; actual payments follow National Savings rules and rounding.
| Investment | Monthly profit (NEW 12.96%) | Monthly profit (OLD 12.72%) | Yearly profit (NEW) |
|---|---|---|---|
| Rs 100,000 | Rs 1,080 | Rs 1,060 | Rs 12,960 |
| Rs 500,000 | Rs 5,400 | Rs 5,300 | Rs 64,800 |
| Rs 1,000,000 (10 lakh) | Rs 10,800 | Rs 10,600 | Rs 129,600 |
| Rs 7,500,000 (single-investor limit) | Rs 81,000 | Rs 79,500 | Rs 972,000 |
Example: Rs 1,000,000 × 12.96% ÷ 12 = Rs 10,800 per month (Rs 129,600 per year). That is Rs 200 more per month than at 12.72%.
📝 How to Invest in Behbood Savings Certificates
Check that you qualify (age 60+, single widow, disabled person with NIC disability logo, or an eligible joint holder).
Visit your nearest National Savings Centre and ask for Form SC-1 (free). Check the current rate and limit at the counter or on savings.gov.pk.
Fill the form and attach your CNIC / NIC (NICOP for overseas Pakistanis). Widows also need the husband’s death certificate and a notarized stamp-paper undertaking that she has not remarried.
Pay by cash, cheque, draft or pay order. Cash certificates are issued immediately; for cheque, draft or pay order the certificate starts when the instrument is realized.
Keep the certificate safe and collect your monthly profit as per the payment option you chose.
🛠️ Tools for Upload: Resize your CNIC copy or photograph before uploading it anywhere:
💰 Tax and Zakat on National Savings Profit
The savings.gov.pk homepage says the rates are subject to 15% withholding tax (filers), 30% withholding tax (non-filers) and 2.5% Zakat where applicable. But the official Behbood product page says withholding tax is not collected on BSC profit and that the investment is exempt from Zakat. These two statements differ, so please confirm at your National Savings Centre and check current FBR rules before relying on either. Related: Zakat Nisab 2026 and Rs 750 Prize Bond list 15 October 2026.
📰 Official Source and News Coverage
| Official (CDNS) | Latest Profit Rates, savings.gov.pk and Behbood Savings Certificate page |
| News (context only) | The News, ProPakistani, Daily Pakistan: all report the revision effective 21 October 2026 |
| Not verified | No separate Finance Division press release was found at the time of writing; the savings.gov.pk page is the official notice. The official page’s “last updated” footer text looks old, so always check the rates banner. |
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❓ FAQs: Behbood Savings Certificate and CDNS Profit Rates (October 2026)
Q1: What is the new Behbood Savings Certificate profit rate in October 2026? (behbood savings certificate profit rate)
Ans: From 21 October 2026 the rate is 12.96% per year, which is Rs 1,080 monthly profit on every Rs 100,000. The previous rate was 12.72% (Rs 1,060 monthly). The same 12.96% applies to the Pensioners’ Benefit Account and the Shuhada Family Welfare Account.
Q2: When do the new National Savings (CDNS) rates start?
Ans: The revised rates are effective from 21 October 2026, as shown on savings.gov.pk and reported by The News, ProPakistani and Daily Pakistan.
Q3: Behbood certificate par kitna profit milta hai 10 lakh par? (savings certificate monthly profit 10 lakh)
Ans: At 12.96% a Rs 1,000,000 (10 lakh) investment gives Rs 10,800 per month before any tax, i.e. Rs 129,600 per year. At the old 12.72% it was Rs 10,600 per month, so the monthly profit rises by Rs 200.
Q4: Who can invest in Behbood Savings Certificates?
Ans: Per savings.gov.pk: Pakistani citizens aged 60 or above, a single widow (until she remarries), two eligible persons in joint names, and disabled persons holding an NIC with the disability logo (special minors through a guardian since 1 January 2018).
Q5: What is the maximum and minimum investment in Behbood?
Ans: The minimum is Rs 5,000. The maximum is Rs 7.5 million for a single investor and Rs 15 million for joint investors, as printed on the official Behbood page. Please re-check the limit on savings.gov.pk before investing.
Q6: Is the profit on Behbood certificates taxed?
Ans: The savings.gov.pk homepage banner says National Savings profit is subject to 15% withholding tax for filers and 30% for non-filers, with 2.5% Zakat where applicable. The Behbood product page, however, states that withholding tax is not collected on BSC profit. The two statements differ, so confirm at your National Savings Centre and check current FBR rules.
Q7: What is the tenor of a Behbood certificate and can I withdraw early?
Ans: The tenor is 10 years with profit paid monthly. Early encashment is allowed any time after issuance with a service charge on the face value: 1% before 1 year, 0.75% before 2 years, 0.50% before 3 years, 0.25% before 4 years and none after 4 years (official Behbood page).
Q8: Where can I buy Behbood Savings Certificates?
Ans: Only at National Savings Centres (NSC) using Form SC-1, which is free from the issuing office. Cash, cheque, draft or pay order is accepted. Take your CNIC (and, for widows, the husband’s death certificate and a stamp-paper undertaking).
Q9: Did the savings account rate also go up?
Ans: No. The ordinary Savings Account rate stays at 10.00% per year (savings.gov.pk).
Q10: Which National Savings schemes got higher profit rates in October 2026? (national savings profit rate barh gaya)
Ans: Behbood, Pensioners’ Benefit and Shuhada Family Welfare (12.72% to 12.96%), Regular Income (11.76% to 12.12%), Special Savings (11.6% to 12%), Defence Savings (cumulative return up for 6 to 10 years), Short Term Savings (3-month 10.80% to 11.12%) and Sarwa Islamic accounts. See the full OLD vs NEW table above.
✍️ About the Author
Muhammad Imran writes simple guides on jobs, admissions, schemes and savings at Educativz.com. Rates in this article come from savings.gov.pk (effective 21 October 2026).
Disclaimer: This article is for information only and is not financial advice. Educativz.com is not CDNS or the National Savings organization. Rates can change; please confirm the latest rates, limits and tax treatment at savings.gov.pk or a National Savings Centre before investing.
