PRICING SUPPLEMENT NO. 96-21 Dated December 11, 1996     Rule 424(b)(2) 
To Prospectus Supplement Dated August 22, 1996           File No. 33-64357



                         BENEFICIAL CORPORATION


                       Medium-Term Notes, Series H
                          (Book Entry Notes)


J.P.  Morgan  Securities  Inc.  purchased $60,000,000 principal amount
of these Medium-Term Notes, Series H, maturing on December 18,  2000,
at  a principal  price  of  $59,760,000.00 for resale to investors from
time to time at prices based on market conditions at the time of
resale.


       Fixed Rate Notes Due 9 Months or More from Date of Issue

                                   

                                                               Interest
  Principal         Settlement             Maturity            Rate Per
   Amount              Date                  Date                Annum

$ 60,000,000     December 16, 1996     December 18, 2000         6.33%



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