Behbood Savings Certificates FAQs

Widows,Senior citizens and Disables having CNIC with the logo of disability  of Pakistani nationals can purchase BSC.

No, at present the widowers cannot invest in BSC.

Maturity period of BSC is 10 years.

BSC 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 issue of certificates.

Behbood Savings Certificates can be purchased by depositing cash/cheque/ draft/ pay-order at the Issuing Office.

Yes, minimum deposit limit is Rs. 5000/- but maximum limit for single investor is 5 million rupees and as joint investor 10 million rupees.

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 respectively as 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.

No, withholding tax is not collected on the profit earned on Behbood Savings Certificate

BSC are exempted from Zakat.


For more details see under Product > Certificate > Behbood Savings Certificate.