JS Bank profit rates on savings accounts are 10.50% a year from 1 November 2026 for individuals with balances up to Rs 1 crore, so Rs 1 lakh earns about Rs 875 a month before tax, or Rs 700 for a filer. JS Bank’s 1-year term deposit pays 11.32% at maturity and 10.62% with monthly profit, one of the highest 1-year rates among Pakistani banks. Above Rs 1 crore, though, the JS savings rate drops sharply to 7.50%.
Last updated: 11 November 2026 by Ahmed. Rates are from JS Bank’s PKR profit payout rates, effective 1 November 2026.
Compare JS Bank with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
JS Bank Profit Rates on Savings Accounts (November 2026)
| Balance (individuals) | Rate |
|---|---|
| Up to Rs 1 crore | 10.50% |
| Rs 1 crore to Rs 2.5 crore | 7.50% |
| Rs 2.5 crore to Rs 5 crore | 7.75% |
| Rs 5 crore to Rs 10 crore | 8.00% |
| Rs 10 crore to Rs 25 crore | 8.25% |
| Rs 25 crore to Rs 50 crore | 8.50% |
Yearly rates, JS Bank sheet effective 1 November 2026.
These rates apply to all JS Bank savings accounts, including PLS Saving, Rupee Plus Saving, JS Her Saving Account (for women), Muhib-e-Watan Account, Payroll Saver, JS Asaan Savings, Asaan Digital Savings, Freelance Digital Savings, JS Roshan Digital (PKR) Saving and the Digital Savings Account.
The 10.50% is the minimum the State Bank requires conventional banks to pay individuals on balances up to Rs 1 crore, after it raised the policy rate to 12% on 27 October 2026. JS Bank raised its rate from 10.00% on 1 November. Above Rs 1 crore, JS pays only 7.50%, much lower than HBL, Allied or Bank Al Habib (9.50%).
JS Bank Profit Rates on 1 Lac and Other Amounts
At the 10.50% JS 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 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 JS Bank profit rate on 1 lac works out to Rs 875 a month, or Rs 10,500 a year before tax.
JS Bank Term Deposit Rates (November 2026)
JS Bank pays more on term deposits than most large banks. Rates rise slightly with the amount. For deposits of Rs 1 lakh to Rs 49.99 lakh:
| Tenor | Monthly profit | Quarterly | Every 6 months | At maturity |
|---|---|---|---|---|
| Up to 1 month | – | – | – | 8.95% |
| 3 months | 9.75% | – | – | 10.20% |
| 6 months | 9.85% | 10.08% | – | 10.43% |
| 1 year | 10.62% | 10.75% | 10.93% | 11.32% |
| 2 years | 9.80% | 9.85% | 9.93% | 10.43% |
| 3 years | 9.78% | 9.81% | 9.87% | 10.42% |
| 5 years | 9.90% | 9.92% | 9.95% | 10.56% |
For bigger deposits, JS Bank adds about a quarter of a point:
| Amount | 1 year, monthly profit | 1 year, at maturity |
|---|---|---|
| Rs 1 lakh to Rs 49.99 lakh | 10.62% | 11.32% |
| Rs 50 lakh to Rs 99.99 lakh | 10.87% | 11.57% |
| Rs 1 crore and above | 10.97% | 11.67% |
Yearly rates, JS Bank term deposit rates effective 1 November 2026. Rates are indicative and can change.
Monthly Profit on a JS Bank 1-Year Term Deposit
| Amount | Rate (monthly profit) | Monthly profit (before tax) | Filer (after 20% tax) |
|---|---|---|---|
| Rs 1 lakh | 10.62% | Rs 885 | Rs 708 |
| Rs 10 lakh | 10.62% | Rs 8,850 | Rs 7,080 |
| Rs 50 lakh | 10.87% | Rs 45,292 | Rs 36,233 |
| Rs 1 crore | 10.97% | Rs 91,417 | Rs 73,133 |
For balances above Rs 1 crore, a JS term deposit makes much more sense than the savings account: about 10.97% against 7.50%.
Early encashment: if you break a JS term deposit early, profit is paid only for the last completed tenor at the rates applicable when you booked. Deposits of one year or more broken within the first year may also face a charge.
Is JS Bank Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| JS Bank 1-year term deposit, monthly profit | 10.62% | Rs 8,850 |
| Bank Al Habib Mahana Munafa, 1 year | 10.75% | Rs 8,958 |
| JS Bank savings account | 10.50% | Rs 8,750 |
| HBL Advantage 1 year, monthly profit | 10.20% | Rs 8,500 |
| Allied Behtar Munafa 1 year, monthly profit | 10.00% | Rs 8,333 |
| MCB 1-year term deposit, monthly profit | 7.45% | Rs 6,208 |
Bank rates November 2026.
For a lump sum you can lock for a year, JS Bank’s 11.32% at maturity is among the best bank rates in Pakistan. For savings under Rs 1 crore it pays the same as HBL, MCB and Allied Bank. Avoid keeping more than Rs 1 crore in a JS savings account.
Tax on JS Bank Profit
JS Bank deducts withholding tax before paying profit: 20% for filers on FBR’s Active Taxpayers List and 40% for non-filers. See how to become a filer.
Common Mistakes
- Keeping more than Rs 1 crore in a JS savings account. The extra balance earns only 7.50%.
- Breaking a term deposit early. You lose part of the profit and may pay a charge.
- Picking monthly profit without comparing. On a 1-year deposit, monthly profit pays 10.62% against 11.32% at maturity.
- Forgetting filer status. A non-filer loses 40% of profit to tax.
Compare more: see National Savings profit rates 2026, the monthly profit on Rs 10 lakh in Pakistani banks, or work out your own amount on the bank profit calculator.
JS Bank Profit Rates: FAQs
What is the JS Bank profit rate on 1 lac?
JS Bank 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 JS Bank term deposit rate for 1 year?
11.32% at maturity or 10.62% with monthly profit for Rs 1 lakh to Rs 49.99 lakh, rising to 11.67% at maturity for Rs 1 crore and above.
What is the JS Bank profit rate above Rs 1 crore?
7.50% a year on savings balances between Rs 1 crore and Rs 2.5 crore, rising slowly for larger balances.
What is the JS Her Saving Account profit rate?
10.50% a year on balances up to Rs 1 crore, the same as other JS Bank savings accounts.
JS Bank mein 1 lakh par kitna munafa milta hai?
JS Bank saving account mein Rs 1 lakh par taqreeban Rs 875 mahana munafa milta hai (10.50% salana). 1 saal ke term deposit par mahana munafa 10.62% (Rs 885) hai.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with JS Bank before you invest.
Related Guides
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- Bank Al Habib profit rates
- HBL profit rates
- Allied Bank profit rates
- 1 crore profit in bank in Pakistan
- Bank Alfalah profit rates 2026