The federal government has reduced profit rates on Defence Savings Certificates and Behbood Savings Certificates, according to official notifications issued for September 2026. Under the revised schedules, a standard investment of Rs100,000 in Defence Savings Certificates will mature over a 10-year period to reach Rs300,000, while Behbood Savings Certificates will yield an annual return of 12.60%, according to the federal government’s schedule.
Defence Savings Certificates Maturity Schedule and Yields
Defence Savings Certificates operate on a 10-year maturity timeline. According to the federal government’s revised data, a principal investment of Rs100,000 grows incrementally each year before reaching its final maturity value of Rs300,000.
Based on the official schedule, the investment climbs to Rs110,000 after the first year and Rs121,000 after the second year. Valuations continue upward to Rs133,000 in the third year, Rs147,000 in the fourth year, and Rs163,000 in the fifth year, according to the revised figures.
In the second half of the tenure, the Rs100,000 principal expands to Rs182,000 in the sixth year, Rs204,000 in the seventh year, and Rs230,000 in the eighth year. By the ninth year, the amount reaches Rs262,000 before hitting the final Rs300,000 mark at the end of the 10-year maturity period.
Behbood Savings Certificates Monthly Profit Reductions
According to the revised rates, a principal investment of Rs100,000 will now earn a monthly profit of Rs1,050.
This monthly return translates to an annual profit rate of 12.60%.
Did you know?
Behbood Savings Certificates were specifically designed to support vulnerable demographics like senior citizens and widows by delivering predictable monthly payouts.
Comparing National Savings Scheme Adjustments
Frequently Asked Questions
What is the maturity period for Defence Savings Certificates under the new rates?
According to the federal government, Defence Savings Certificates carry a 10-year maturity period.
How much does a Rs100,000 investment in Defence Savings Certificates yield at maturity?
An investment of Rs100,000 grows to Rs300,000 at the end of the 10-year term, according to the revised schedule.
What is the new annual profit rate for Behbood Savings Certificates?
According to the federal government, Behbood Savings Certificates offer an annual profit rate of 12.60%, resulting in a monthly profit of Rs1,050 on a Rs100,000 investment.
Who are Behbood Savings Certificates intended for?
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