PRICING SUPPLEMENT NO. 96-22 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)

                                   

Merrill  Lynch & Co., Merrill Lynch, Pierce, Fenner & Smith
Incorporated, purchased $60,000,000 principal amount of these Medium-
Term Notes, Series H, maturing on December 16, 2002, at a principal
price of  $59,715,000.00 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 16, 2002        6.575%



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