Behbood Profit Rate History: Every Change From 2023 to 21 October 2026, Plus Pensioners' and Shuhada Rates (Full List)

The Behbood Savings Certificate pays Rs 1,080 a month on every Rs 100,000 (12.96% a year) from 21 October 2026, after seven rate changes in 2026 alone. The same rate applies to the Pensioners' Benefit Account and the Shuhada Family Welfare Account. Below is every Behbood rate change since 2023, the highs and lows since 2003, and what each change meant for a monthly profit.

We downloaded National Savings' own history file for these three schemes on 1 November 2026. It lists every rate applied from 1 July 2003 to date, with the monthly profit on Rs 100,000 and the yearly rate.

The Behbood rate is Rs 1,080 a month per lakh from 21 October 2026

From 21 October 2026, Behbood pays Rs 1,080 a month on each Rs 100,000, or 12.96% a year. Before that, from 1 to 20 October, it paid Rs 1,060 (12.72%). So the latest change was a rise of Rs 20 a month per lakh.

National Savings' rate card for 21 October lists the rules beside the rate. Behbood is only for widows, senior citizens and physically challenged people, with a minimum of Rs 5,000 and a maximum of Rs 7,500,000. The Pensioners' Benefit Account, for retired government employees, and the Shuhada Family Welfare Account, for families of martyrs, pay the same Rs 1,080 with a Rs 10,000 minimum.

Every Behbood rate change since December 2023: the full list

The table covers each period from the file, newest first. The profit is per Rs 100,000 per month. The file gives the start and end date of each period.

In 2026 the rate went down to Rs 1,000 in January, up to Rs 1,100 in June, and has moved four times since July. Over the whole year it has stayed between Rs 1,000 and Rs 1,100.

The highest Behbood rate was 16.80% in 2008 and 2009

The file goes back to July 2003, when Behbood paid Rs 840 a month (10.08%). The highest rate was Rs 1,400 a month (16.80%), from 1 December 2008 to 31 March 2009. The lowest was Rs 760 (9.12%), from August to September 2016.

Behbood rates track the government's cost of borrowing. When the State Bank's policy rate was very high in 2023, Behbood reached Rs 1,380. As the policy rate came down, so did Behbood.

What the changes mean for Rs 10 lakh invested

Multiply the per-lakh figure by ten. On Rs 1,000,000, Behbood pays Rs 10,800 a month from 21 October 2026. At the 2026 low of Rs 1,000 it paid Rs 10,000, and at the 2023 high of Rs 1,380 it paid Rs 13,800.

The 2026 swings changed a Rs 10 lakh holder's monthly profit by up to Rs 1,000. For a widow or retired person living on this income, that is real money. Larger amounts are worked out in the monthly profit table for 1 to 75 lakh.

How to check the Behbood rate yourself

National Savings publishes both the current rate card and the full history file. Both are free.

1. Open the National Savings latest profit rates page.
2. Look at the rate card at the top for the current Behbood, Pensioners' Benefit and Shuhada rate.
3. Click "Behbood Savings Certificate Historical Profit Rates" for the PDF history.
4. Find the row whose period covers your profit date.
5. Multiply the per-lakh figure by your amount in lakh.

How to buy, who qualifies and which papers to bring are covered in buying Behbood Savings Certificates. Retired officials can follow opening a Pensioners' Benefit Account.

Common questions

What is the Behbood profit rate today?

Rs 1,080 a month on each Rs 100,000, or 12.96% a year, from 21 October 2026.

How many times did the Behbood rate change in 2026?

Seven times: 5 January, 23 January, 10 June, 18 July, 4 September, 1 October and 21 October 2026.

Is the Pensioners' Benefit Account rate the same as Behbood?

Yes. National Savings applies one rate to Behbood, the Pensioners' Benefit Account and the Shuhada Family Welfare Account.

What was the highest Behbood rate ever?

In the file from 2003, the highest was Rs 1,400 a month, 16.80% a year, from December 2008 to March 2009.

Does a rate change apply to certificates I already hold?

The history file lists rates by period, which means the rate in force when a profit falls due is the one applied. Ask your National Savings centre to confirm how it applies to your certificate.

Who can buy Behbood certificates?

Only widows, senior citizens and physically challenged people, from Rs 5,000 up to Rs 7,500,000, according to the 21 October 2026 rate card.

How we verified this

What we checked, where we read it, and what we could not confirm.

Last checked 1 November 2026. Every rate and period comes from National Savings' history file for Behbood, Pensioners' Benefit and Shuhada Family Welfare (BSC-PBA-SFWA_211026.pdf) and its rate card dated 21 October 2026, both downloaded from savings.gov.pk on 1 November 2026. The Rs 10 lakh figures are our arithmetic. The link to the policy rate is general background; National Savings does not explain individual changes. How a change applies to an existing holding is not stated in the file, so we have not stated it as fact.