Behbood Regular Income Certificates: A Safe and Steady Monthly Earning Option in Pakistan
For Pakistanis looking for a secure and consistent source of monthly income, the Behbood Regular Income Certificates (RICs) offered by the Central Directorate of National Savings (CDNS) continue to be a trusted choice. Backed by the Government of Pakistan, these certificates provide investors with guaranteed monthly returns — making them an ideal savings plan for retirees, pensioners, and individuals seeking financial stability.
What Are Regular Income Certificates (RICs)?
Regular Income Certificates are government-backed investment instruments designed to give investors a fixed monthly profit over a five-year period. Introduced under the National Savings Scheme, they are structured for individuals who prefer steady, predictable income rather than market-based risk.
Unlike some saving options reserved for specific groups, RICs are open to the general public, including individuals, minors, and joint account holders.
Key Features of Regular Income Certificates
| Feature | Details |
|---|---|
| Tenure / Maturity | Fixed 5-year term |
| Profit Payout | Paid monthly from the date of issuance |
| Available Denominations | Rs. 50,000 – Rs. 10,000,000 |
| Eligibility | Open to all Pakistani citizens (individual, joint, or minor accounts) |
| Zakat Status | Exempt from Zakat deductions |
| Taxation | Subject to withholding tax (different for filers and non-filers) |
| Risk Level | Low-risk, guaranteed by the Government of Pakistan |
These features make RICs a stable and secure investment avenue for those who prioritize consistent income over high-risk returns.
Latest Profit Rate (October 2025 Update)
In July 2025, the government revised profit rates across all National Savings schemes, including Regular Income Certificates.
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Current Profit Rate: 10.68% per annum
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Previous Rate (May 2025): 11.52% per annum
At the current rate of 10.68%, an investment of Rs. 100,000 yields an estimated Rs. 890 per month in profit.
This adjustment reflects the broader fiscal and interest rate changes in Pakistan’s economic landscape. While slightly lower than earlier months, RICs remain one of the most reliable fixed-income options available to the public.
Why Invest in Regular Income Certificates?
The Behbood Regular Income Certificate stands out for its security, simplicity, and stability. Here’s why thousands of Pakistanis trust it as their preferred savings plan:
1. Consistent Monthly Income
Investors receive guaranteed monthly profit, ensuring a regular cash flow for household expenses, medical needs, or retirement support.
2. Government-Backed Security
Since the scheme is run by the Government of Pakistan, investors’ capital and profits are completely risk-free.
3. Easy Accessibility
Available at all National Savings Centers and designated banks, with no complex paperwork or market dependency.
4. Ideal for Fixed-Income Groups
Perfect for retirees, widows, and middle-income families who prefer safety and predictability.
5. Tax Benefits
Exemption from Zakat and manageable tax deductions make RICs more attractive than many private-sector investment products.
How to Apply for Regular Income Certificates
The process to purchase RICs is simple and transparent:
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Visit your nearest National Savings Center (NSC) or authorized branch.
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Fill out the Form SC-1 (application form).
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Submit your CNIC copy (or other valid ID).
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Choose your investment amount based on available denominations.
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Pay through cash, cheque, or pay order.
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Once issued, you will begin receiving monthly profit payments directly.
These profits are typically credited or collected each month from the same branch where the investment was made.
Risks and Considerations
While RICs are a secure investment, there are a few factors investors should keep in mind:
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Interest Rate Adjustments: The government may revise profit rates based on economic conditions.
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Tax Deductions: Withholding tax applies to the profits — with higher rates for non-filers.
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Liquidity Limitations: Early withdrawal before maturity may result in penalties or reduced profit.
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Inflation Impact: Fixed income may lose purchasing power if inflation rises significantly.
Despite these factors, RICs remain one of the most stable investment products in Pakistan’s savings market.
Example of Monthly Return
To understand how RICs work, here’s a simple example:
| Investment Amount (PKR) | Profit Rate (10.68%) | Approx. Monthly Profit (PKR) |
|---|---|---|
| 100,000 | 10.68% | 890 |
| 500,000 | 10.68% | 4,450 |
| 1,000,000 | 10.68% | 8,900 |
| 5,000,000 | 10.68% | 44,500 |
This predictable return structure makes RICs an excellent choice for financial planning and regular budgeting.
Conclusion
The Behbood Regular Income Certificate (RIC) continues to be one of the most reliable and safe investment options in Pakistan, especially for individuals seeking steady monthly income.
While the latest rate of 10.68% per annum is slightly lower than earlier in 2025, it still offers government-backed security, ease of access, and predictable returns — making it a solid choice for investors who prefer stability over risk.
However, it’s always advisable to compare profit rates with other National Savings schemes and consider tax implications before finalizing your investment.
Summary
Regular Income Certificates (RICs) 2025 – Key Highlights:
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Profit Rate: 10.68% per annum
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Tenure: 5 years
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Profit Payout: Monthly
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Eligibility: Open to all individuals
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Zakat: Exempt
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Security: Fully backed by Government of Pakistan
Behbood Regular Income Certificates offer a safe and steady way to earn fixed monthly income, ideal for retirees, savers, and anyone seeking dependable returns without market risk.
