HBL profit rates on savings accounts are 10.50% a year from 1 November 2026 for balances up to Rs 1 crore, so Rs 1 lakh in an HBL savings account earns about Rs 875 a month before tax, or Rs 700 for a filer. Above Rs 1 crore HBL pays 9.50%. HBL Advantage term deposits pay 10.20% a year with monthly profit for one year, and 10.60% if you take the profit at maturity.
Last updated: 11 November 2026 by Ahmed. Rates are from HBL’s indicative rate sheet effective 1 November to 31 December 2026.
Compare HBL with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
HBL Profit Rates on Savings Accounts (November 2026)
All HBL rupee savings accounts for individuals pay the same simple rate. What changes between accounts is how often profit is paid, which slightly changes the effective (compounded) yearly return.
| HBL account | Profit paid | Up to Rs 1 crore | Above Rs 1 crore | Effective rate (up to Rs 1 crore) |
|---|---|---|---|---|
| HBL PLS Savings Account | Every 6 months (30 June and 31 December) | 10.50% | 9.50% | 10.78% |
| HBL Mahana Amdan | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Daily Munafa Account | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Daily Progressive Account | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Nisa Savings Account (women) | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Rutba Account (above 55 years) | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Money Club (under 18) | Monthly | 10.50% | 9.50% | 11.02% |
| HBL Value Account | Quarterly | 10.50% | 9.50% | 10.92% |
Yearly rates for individuals, HBL rate sheet effective 1 November 2026. The effective rate assumes you leave the monthly or quarterly profit in the account to compound.
The 10.50% is the minimum the State Bank requires conventional banks to pay individuals on savings up to Rs 1 crore, after it raised the policy rate to 12% on 27 October 2026. Before November, HBL paid 10.00%.
If you want monthly income, choose HBL Mahana Amdan, Nisa (for women) or Rutba (for those above 55). The HBL PLS Savings Account pays only twice a year.
HBL Profit Rates on 1 Lac and Other Amounts
At the 10.50% HBL savings rate:
| Amount | Monthly profit (before tax) | Filer (after 20% tax) | Non-filer (after 40% tax) |
|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 525 |
| Rs 2 lakh | Rs 1,750 | Rs 1,400 | Rs 1,050 |
| 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 HBL profit rate on 1 lac works out to Rs 875 a month, or Rs 10,500 a year before tax. In the PLS Savings Account the same profit arrives in two payments of about Rs 5,250 each (June and December) instead of every month.
HBL Mahana Amdan Account
HBL Mahana Amdan is HBL’s main monthly-profit savings account. It pays 10.50% on balances up to Rs 1 crore, calculated on your daily closing balance and credited after each month ends. You can withdraw any time. On Rs 10 lakh, that is about Rs 8,750 a month before tax, or Rs 7,000 for a filer.
HBL Term Deposit Rates: HBL Advantage (November 2026)
HBL Advantage is HBL’s main term deposit (minimum Rs 25,000). The rate depends on the tenor and how often you take profit:
| Tenor | Monthly profit | Quarterly | Every 6 months | At maturity (effective yearly) |
|---|---|---|---|---|
| 1 month | 9.28% | – | – | – |
| 3 months | – | 9.15% | – | – |
| 6 months | – | – | 9.40% | – |
| 1 year | 10.20% | 10.30% | 10.50% | 10.60% |
| 2 years | 9.00% | 9.18% | 9.40% | 9.80% |
| 3 years | 8.85% | 9.03% | 9.25% | 9.71% |
| 5 years | 9.03% | 9.21% | 9.44% | 9.82% |
| 10 years | 9.48% | 9.57% | 9.71% | 9.15% |
Simple yearly rates for monthly, quarterly and six-monthly payouts; effective yearly rate for profit at maturity. HBL rate sheet effective 1 November 2026.
HBL Advantage Plus pays the same monthly rates (10.20% for one year) but credits the profit to a linked current account.
Right now an HBL savings account at 10.50% with no lock-in pays more than a 1-year HBL Advantage deposit with monthly profit (10.20%). A term deposit only makes sense if you want to lock a rate and expect rates to fall.
HBL Notice Deposit
HBL’s Notice Deposit pays 10.50% (11.02% effective) for 7 days’ notice or more. Profit is paid only when you encash.
Is HBL Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| HBL savings (Mahana Amdan, Nisa, Rutba) | 10.50% | Rs 8,750 |
| HBL Advantage 1 year, monthly profit | 10.20% | Rs 8,500 |
| Any conventional bank savings (UBL, NBP, MCB, BOP) | 10.50% | Rs 8,750 |
| BOP Naaz (Rs 5 lakh to Rs 30 lakh slab) | 10.90% | Rs 9,083 |
| Meezan Bank Saving Account (October 2026) | 6.79% | Rs 5,658 |
| National Savings Regular Income Certificate | 12.12% | Rs 10,100 |
Bank rates November 2026; National Savings rate from 21 October 2026.
On savings up to Rs 1 crore, HBL pays the same as UBL, NBP and Bank of Punjab, because they all pay the State Bank minimum. Above Rs 1 crore HBL pays 9.50%, which is higher than UBL (8.00%). For a Shariah-compliant option, see Meezan Bank profit rates.
Tax on HBL Profit
HBL deducts withholding tax before paying profit: 20% for filers on FBR’s Active Taxpayers List and 40% for non-filers. On Rs 10 lakh, a filer keeps Rs 7,000 a month and a non-filer Rs 5,250, a difference of Rs 21,000 a year. See how to become a filer.
How to Open an HBL Savings Account
- Online: download the HBL Mobile app and open a digital account with your CNIC and biometric verification.
- Branch: visit any HBL branch with your original CNIC and proof of income.
- Overseas Pakistanis: open an HBL Roshan Digital Account.
- Filer status: make sure your CNIC is on FBR’s Active Taxpayers List so HBL deducts 20%, not 40%.
Common Mistakes
- Choosing the PLS Savings Account for monthly income. It pays only twice a year; Mahana Amdan pays monthly.
- Booking HBL Advantage for 1 year at 10.20% monthly when the savings account pays 10.50% without any lock-in.
- Keeping more than Rs 1 crore in one account. The rate on balances above Rs 1 crore drops to 9.50%.
- Forgetting filer status. A non-filer loses 40% of profit to tax.
HBL Profit Rates: FAQs
What is the HBL profit rate on 1 lac?
HBL savings accounts pay 10.50% a year from 1 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 HBL Mahana Amdan profit rate?
10.50% a year on balances up to Rs 1 crore and 9.50% above that, with profit paid every month, on the November 2026 sheet.
What is the HBL term deposit rate for 1 year?
HBL Advantage pays 10.20% with monthly profit, 10.30% quarterly, 10.50% every six months and 10.60% at maturity for one year.
How much profit does HBL give on 10 lakh?
About Rs 8,750 a month before tax at 10.50%, or Rs 7,000 a month for a filer.
Does HBL PLS Savings Account pay monthly profit?
No. The HBL PLS Savings Account credits profit twice a year, on 30 June and 31 December. For monthly profit, use HBL Mahana Amdan, Nisa, Rutba or Daily Munafa.
HBL mein 1 lakh par kitna munafa milta hai?
HBL saving account mein Rs 1 lakh par taqreeban Rs 875 mahana munafa milta hai (10.50% salana). Filer ko tax ke baad Rs 700 aur non-filer ko Rs 525 milte hain.
HBL mein mahana munafa kis account par milta hai?
HBL Mahana Amdan, Nisa (khawateen ke liye), Rutba (55 saal se upar) aur Daily Munafa account har mahine munafa dete hain.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with HBL before you invest.
Related Guides
- Bank profit rates in Pakistan (all banks)
- Bank Profit Calculator
- Meezan Bank profit rates
- Bank of Punjab profit rates
- UBL profit rates 2026
- NBP profit rates 2026
- Bank Alfalah profit rates 2026
- Fixed deposit rates in Pakistan
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