Islamabad: The Central Directorate of National Savings (CDNS) has maintained the dividend rate of Bahbud Savings Certificates (BSC) at 13.68 percent. This rate was last revised in March 2025. When it was increased by 10 basis points from 13.58 percent to 13.68 percent, it hadn’t changed since then.
Key features of the certificate:
Eligibility: Available for senior citizens aged 60 years or above, widows (who have not remarried), persons with disabilities having NIC with disability logo, and special minors through guardians.
Investment limit: Individuals can invest up to Rs. 7.5 million. Joint investors can invest up to Rs 15 million.
Nomination: Certificates are available in denominations of PKR 5,000, PKR 10,000, PKR 50,000, PKR 100,000, PKR 500,000, and PKR 1,000,000.
Dividend Distribution: The dividend is distributed monthly and credited directly to the investor’s linked savings account.
Taxes: Profits from BSC are exempt from zakat. However, withholding tax applies based on the investor’s tax status: 15% for filers and 35% for non-filers.
This stable rate of return is aimed at providing consistent returns to eligible investors in line with the government’s efforts to offer safe and profitable savings options amid changing economic conditions.
