1 crore profit in bank in Pakistan is about Rs 87,500 a month before tax at the 10.5% minimum savings rate that applies from 1 November 2026. A filer keeps Rs 70,000 after 20% tax and a non-filer Rs 52,500. National Savings pays more on the same Rs 1 crore: about Rs 1,01,000 a month in a Regular Income Certificate before tax.
Last updated: 4 November 2026 by Ahmed. Rates checked on official bank, CDNS and State Bank sources on 3 to 4 November 2026.
Use our free Bank Profit Calculator to try any amount, and see the full guide to bank profit rates in Pakistan for every bank.
1 Crore Profit in Bank: Monthly Profit by Option
| Where you keep Rs 1 crore | Yearly rate | Monthly profit (before tax) | Filer, after tax | Non-filer, after tax |
|---|---|---|---|---|
| Bank savings account (SBP minimum) | 10.50% | Rs 87,500 | Rs 70,000 | Rs 52,500 |
| Bank Alfalah Pehchaan / Kifayat (top tier) | 10.80% | Rs 90,000 | Rs 72,000 | Rs 54,000 |
| Meezan Bank Rupee Savings (up to Rs 1 crore) | 6.79% | Rs 56,583 | Rs 45,267 | Rs 33,950 |
| National Savings Account (SA) | 10.00% | Rs 83,333 | Rs 70,833 | Rs 58,333 |
| Regular Income Certificate (RIC) | 12.12% | Rs 1,01,000 | Rs 85,850 | Rs 70,700 |
| Special Savings Certificate (SSC) | 12.00% | Rs 1,00,000 (paid every 6 months) | Rs 85,000 | Rs 70,000 |
| Behbood Savings Certificate (eligible people only) | 12.96% | Rs 1,08,000 | Rs 91,800 | Rs 75,600 |
Why Rs 1 Crore Is an Important Limit in a Bank
Since 1 August 2026, the State Bank’s minimum savings rate applies only to individuals whose monthly average balance is up to Rs 1 crore. Above that, the bank can pay you less. On their current sheets, banks pay noticeably less on bigger balances:
- Bank Alfalah: 9.50% above Rs 1 crore (November 2026).
- JS Bank: 7.50% on balances from Rs 1 crore to Rs 2.5 crore (November 2026).
- Meezan Bank: 6.00% above Rs 1 crore on Rupee Savings (October 2026).
So Rs 2 crore in one Bank Alfalah savings account at 9.5% earns about Rs 1,58,333 a month before tax, not Rs 1,75,000. At JS Bank’s 7.5% it would be about Rs 1,25,000.
Is Rs 1 Crore Safe in One Bank?
The Deposit Protection Corporation covers up to Rs 10 lakh per depositor per bank. Anything above that is not protected if a bank fails. Large banks rarely fail, but spreading money across banks, or keeping part in government-backed National Savings, lowers the risk.
A Smarter Way to Get 1 Crore Profit in Bank and Savings
Here is one example of splitting Rs 1 crore for monthly income while keeping some money easy to reach. It is an illustration, not advice for your situation.
| Part | Amount | Rate | Monthly profit (before tax) | Filer, after tax |
|---|---|---|---|---|
| Bank savings in 2 banks (Rs 10 lakh each) | Rs 20,00,000 | 10.50% | Rs 17,500 | Rs 14,000 |
| Regular Income Certificate | Rs 50,00,000 | 12.12% | Rs 50,500 | Rs 42,925 |
| Special Savings Certificate | Rs 30,00,000 | 12.00% | Rs 30,000 (paid 6-monthly) | Rs 25,500 |
| Total | Rs 1,00,00,000 | Rs 98,000 | Rs 82,425 |
The trade-off: certificates cut your profit if you cash them early, and the government can change their rates every few weeks. The bank part stays fully liquid and within the Deposit Protection limit in each bank.
Tax on 1 Crore Profit in Bank
Banks deduct tax before paying your profit: 20% if you are on the Active Taxpayers List and 40% if you are not. On Rs 1 crore at 10.5%, a non-filer loses Rs 2,10,000 a year more than a filer. If you hold this much, becoming a filer is the single biggest way to raise your profit. See how to become a filer.
Common Mistakes
- Keeping more than Rs 1 crore in one savings account and getting a lower rate on all of it.
- Keeping everything in one bank, above the Rs 10 lakh protection limit.
- Using a PLS account that pays every six months when you need monthly income.
- Comparing before-tax bank profit with after-tax figures from National Savings.
- Breaking a certificate early without checking the encashment penalty.
Frequently Asked Questions
How much is 1 crore profit in bank per month in Pakistan?
About Rs 87,500 a month before tax at the 10.5% minimum rate from 1 November 2026, or Rs 70,000 after 20% tax for a filer.
Which bank gives the highest profit on 1 crore?
Bank Alfalah’s tiered savings accounts pay up to 10.80% up to Rs 1 crore. Above Rs 1 crore, rates drop at most banks, for example 9.5% at Bank Alfalah and 7.5% at JS Bank.
Is National Savings better than a bank for Rs 1 crore?
National Savings pays more per month (Regular Income Certificate 12.12%, about Rs 1,01,000 before tax) and is taxed at 15% for filers, but early encashment reduces profit.
Is Rs 1 crore safe in a bank?
Deposit Protection covers only Rs 10 lakh per depositor per bank, so many savers spread large amounts across several banks and government schemes.
How much tax is deducted on 1 crore bank profit?
20% for filers and 40% for non-filers. On Rs 87,500 a month that is Rs 17,500 for a filer and Rs 35,000 for a non-filer.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with your bank or CDNS before you invest.
Related Guides
- HBL profit rates
- Meezan Bank profit rates
- MCB profit rates
- Allied Bank profit rates
- Bank Al Habib profit rates
- HabibMetro profit rates
- JS Bank profit rates
- 10 lakh profit in bank per month
- Bank Profit Calculator for any amount
- Bank profit rates in Pakistan (pillar guide)
- Qomi Bachat profit rate on 1 lakh per month
- Fixed deposit rates in Pakistan
- NBP profit rates 2026
- Regular Income Certificate monthly profit
Sources
- State Bank of Pakistan: policy rate 12%, floor rate 11% (from 27 October 2026)
- FBR: Withholding tax rate card (section 151)
- Pakera: Bank Alfalah and JS Bank rates from 1 November 2026
- Meezan Bank: historical profit rates 2026
- Mettis Global: CDNS profit rates from 21 October 2026
- Profit: CDNS withholding tax 15% filers, 30% non-filers