UBL profit rates on savings accounts are 10.50% a year from November 2026 for balances up to Rs 1 crore, so Rs 1 lakh in a UBL savings account earns about Rs 875 a month before tax, or Rs 700 for a filer. UBL Mahana Aamdani term deposits pay 9% to 9.50% for up to one year, and certificates of deposit pay 5.50% to 9.50% depending on the tenor.
Last updated: 6 November 2026 by Ahmed. Rates are from UBL’s projected rate sheet for November 2026 and the State Bank’s savings rate rule.
Compare UBL with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
UBL Profit Rates on Savings Accounts (November 2026)
UBL pays the same rate on almost all of its individual rupee savings accounts. The rate depends on your average monthly balance:
| Account | Up to Rs 1 crore | Rs 1 crore to Rs 10 crore | Above Rs 10 crore |
|---|---|---|---|
| UBL Savings, Asaan Savings, Sohni Dharti, Roshan Digital (PKR) | 10.50% | 8.00% | 8.50% |
| UBL Mahana Aamdani Savings Account | 10.50% | 8.00% | 8.50% |
| UBL UniSaver and UniSaver Plus | 10.50% | 8.00% | 8.50% |
| UBL Urooj Saving and Rupee UniFlex | 10.50% | 8.00% | 8.50% |
| UBL Zindagi and Pensioner Saving | 10.50% | 8.50% | 8.50% |
The 10.50% rate on balances up to Rs 1 crore is not a UBL offer. It is the minimum the State Bank requires conventional banks to pay individuals on savings deposits after it raised the policy rate to 12% on 27 October 2026. Above Rs 1 crore the bank sets its own rate, and UBL pays less.
UBL Profit Rates on 1 Lakh and Other Amounts
This is what the 10.50% UBL savings rate pays each month. Tax on bank profit is 20% for filers and 40% for non-filers, deducted by the bank.
| Amount | Monthly profit (before tax) | Filer (after 20% tax) | Non-filer (after 40% tax) |
|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 525 |
| Rs 5 lakh | Rs 4,375 | Rs 3,500 | Rs 2,625 |
| Rs 10 lakh | Rs 8,750 | Rs 7,000 | Rs 5,250 |
| Rs 25 lakh | Rs 21,875 | Rs 17,500 | Rs 13,125 |
| Rs 50 lakh | Rs 43,750 | Rs 35,000 | Rs 26,250 |
| Rs 1 crore | Rs 87,500 | Rs 70,000 | Rs 52,500 |
So the UBL profit rate on 1 lac works out to Rs 875 a month, or Rs 10,500 a year before tax. A filer keeps Rs 700 a month and a non-filer keeps Rs 525. The difference is Rs 2,100 a year on every lakh, which is why it pays to become a filer.
UBL Mahana Aamdani: Monthly Profit
UBL Mahana Aamdani comes in two forms. The Mahana Aamdani Savings Account pays the savings rate above (10.50% up to Rs 1 crore) and lets you withdraw any time. The Mahana Aamdani Term Deposit locks your money for a fixed period and pays profit every month:
| Tenor | Rate | Monthly profit on Rs 1 lakh | Monthly profit on Rs 10 lakh |
|---|---|---|---|
| 3 months | 9.00% | Rs 750 | Rs 7,500 |
| 6 months | 9.25% | Rs 771 | Rs 7,708 |
| 1 year | 9.50% | Rs 792 | Rs 7,917 |
| 3 years | 8.50% | Rs 708 | Rs 7,083 |
| 5 years | 8.00% | Rs 667 | Rs 6,667 |
| 10 years | 7.00% | Rs 583 | Rs 5,833 |
Right now the Mahana Aamdani savings account pays more than the term deposit (10.50% against 9.50% for one year), and you do not lock your money. A term deposit only makes sense if you want a fixed rate for a long period and expect rates to fall.
UBL Certificate of Deposit and Term Deposit Rates
Certificates of deposit (CDs) pay either at maturity or every month. Rates for 3 to 10 years were raised from 5 November 2026:
| Tenor | CD, profit at maturity | CD, monthly profit |
|---|---|---|
| 3 months | 9.00% | – |
| 6 months | 9.00% | – |
| 1 year | 9.00% | 9.50% |
| 2 years | 8.50% | 9.50% |
| 3 years | 8.00% | 8.50% |
| 4 years | 8.00% | 8.50% |
| 5 years | 7.00% | 8.00% |
| 7 years | 6.50% | 8.00% |
| 10 years | 5.50% | 7.00% |
UBL also offers a Special Notice Deposit for short-term money: 8.50% for 7 to 29 days and 9.00% for 30 days or more.
Is UBL Better Than Other Banks?
| Option | Rate on Rs 1 lakh | Monthly profit (before tax) |
|---|---|---|
| UBL savings account | 10.50% | Rs 875 |
| UBL Mahana Aamdani Term Deposit, 1 year | 9.50% | Rs 792 |
| Any conventional bank savings account (State Bank minimum) | 10.50% | Rs 875 |
| National Savings Behbood Certificate (eligible investors only) | 12.96% | Rs 1,080 |
On savings up to Rs 1 crore, UBL pays the same as NBP, HBL, MCB and other conventional banks, because they all pay the State Bank minimum. The difference between banks shows up above Rs 1 crore, in term deposits and in service. For higher returns, compare National Savings certificates, which pay more but lock your money and suit different needs.
How to Open a UBL Savings Account
- Online: download the UBL Digital app and open an account with your CNIC and a selfie (biometric verification).
- At a branch: take your original CNIC and proof of income or employment.
- Overseas Pakistanis: open a Roshan Digital Account with UBL; its PKR savings account pays the same 10.50% up to Rs 1 crore.
- Filer status: make sure your CNIC is on FBR’s Active Taxpayers List so the bank deducts 20% tax, not 40%.
Common Mistakes
- Locking money in a 1-year term deposit at 9.50% when the savings account pays 10.50% with no lock-in.
- Keeping more than Rs 1 crore in one savings account; the rate on the extra balance drops to 8%.
- Forgetting to update filer status with the bank, and losing 40% of profit instead of 20%.
- Comparing rates before tax; always compare what you keep after tax.
Need help? The Invest Pakistan can check your filer status and get you on the Active Taxpayers List. See our ATL registration service.
UBL Profit Rates: FAQs
What is the UBL profit rate on 1 lakh?
UBL savings accounts pay 10.50% a year from November 2026, so Rs 1 lakh earns about Rs 875 a month before tax, Rs 700 for a filer and Rs 525 for a non-filer.
What is the UBL Mahana Aamdani profit rate?
The Mahana Aamdani Savings Account pays 10.50% up to Rs 1 crore. The Mahana Aamdani Term Deposit pays 9.00% for 3 months, 9.25% for 6 months and 9.50% for 1 year, with profit every month.
How much profit does UBL give on 10 lakh?
At 10.50%, Rs 10 lakh earns about Rs 8,750 a month before tax, or Rs 7,000 a month for a filer.
Are UBL profit rates the same as other banks?
For savings balances up to Rs 1 crore, yes. All conventional banks must pay at least 10.50% to individuals from 1 November 2026. Rates differ above Rs 1 crore and on term deposits.
How often does UBL change its profit rates?
UBL publishes a projected rate sheet every month. Rates change mainly when the State Bank changes the policy rate.
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 before you invest.
FAQs (Roman Urdu)
UBL mein 1 lakh par kitna munafa milta hai?
10.50% saalana, yani taqreeban Rs 875 mahana tax se pehle; filer ko Rs 700 aur non-filer ko Rs 525.
UBL Mahana Aamdani ka rate kya hai?
Mahana Aamdani Savings Account 10.50% (Rs 1 crore tak); term deposit 9% se 9.50%.
UBL mein 10 lakh par kitna munafa?
Taqreeban Rs 8,750 mahana tax se pehle, filer ko Rs 7,000.
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