A mainstay of Pakistan’s National Savings portfolio for many years, the Behbood Savings Certificate (BSC) offers widows, older people, retirees, and martyrs’ families financial stability. It is one of the most well-liked government-sponsored programs that provides steady monthly returns with sovereign guarantees. But the government changed the profit rate on bank savings certificates in June 2025. Further, the government has also made changes to many other national savings plans. Although it has a small numerical impact on the profit rate. Yet this change has wider ramifications for retirees, savers and the economy as a whole.
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