HabibMetro profit rates on savings accounts for individuals are 10.50% a year from 1 November 2026 on balances up to Rs 1 crore, the State Bank’s new minimum, so Rs 1 lakh earns about Rs 875 a month before tax, or Rs 700 for a filer. HabibMetro’s term deposits are among the highest-paying in Pakistan: the HABIB METRO Mahana Scheme pays 11.00% with monthly profit for one year and up to 11.38% for three years, and regular term deposits pay up to 12.00% at maturity.
Last updated: 11 November 2026 by Ahmed. Savings rate from the State Bank’s minimum deposit rate rule (10.50% from 1 November 2026). Account details and term deposit rates are from HabibMetro’s latest published indicative profit rates (effective 1 September 2026); no newer sheet was posted when we checked.
Compare HabibMetro with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
HabibMetro Profit Rates on Savings Accounts (November 2026)
HabibMetro’s September sheet shows 10.00% on all individual savings accounts, which was the minimum at the time. After the State Bank raised the policy rate to 12% on 27 October 2026, the minimum for individuals with up to Rs 1 crore became 10.50% from 1 November, and it applies to HabibMetro as to every conventional bank.
| HabibMetro account | Profit paid | Rate (individuals, up to Rs 1 crore) |
|---|---|---|
| HABIB METRO Rozana Munafa Savings Account | Monthly | 10.50% |
| HABIB METRO Ladies Savings Account | Monthly | 10.50% |
| HABIB METRO Saving Plus Account (individuals) | Monthly | 10.50% |
| HABIB METRO Privilege 55 Plus Account | Monthly | 10.50% |
| HABIB METRO Asaan Digital Remittance Saving | Monthly | 10.50% |
| HABIB METRO Multiplier Account | Quarterly | 10.50% |
| HABIB METRO Junior Savers Account | Quarterly | 10.50% |
| PLS Saving Deposit (individual) | Every 6 months | 10.50% |
| HABIB METRO Asaan and Asaan Digital Savings | Every 6 months | 10.50% |
| HABIB METRO Freelancer Saving (and digital) | Every 6 months | 10.50% |
| Sohni Dharti Remittance Saving Account | Every 6 months | 10.50% |
| Roshan Digital Account (PKR saving) | Every 6 months | 10.50% |
Payout frequency from HabibMetro’s indicative profit rates (1 September 2026). Rate shown is the State Bank minimum from 1 November 2026.
On the September sheet, individuals with more than Rs 1 crore got 9.00%, companies and other legal entities 9.00%, and financial institutions and public limited companies 8.50%.
For monthly profit, choose Rozana Munafa, Ladies Savings (for women) or Privilege 55 Plus (for those aged 55 and above), not the PLS Saving Deposit, which pays twice a year.
HabibMetro Profit Rates on 1 Lac and Other Amounts
At the 10.50% minimum 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 HabibMetro profit rate on 1 lac works out to Rs 875 a month, or Rs 10,500 a year before tax.
HABIB METRO Mahana Scheme (Monthly Profit)
The Mahana Scheme locks your money for one to five years and pays profit every month. It pays more than the savings account:
| Tenor | Minimum deposit | Rate | Monthly profit on Rs 1 lakh | Monthly profit on Rs 10 lakh |
|---|---|---|---|---|
| 1 year | Rs 25,000 | 11.00% | Rs 917 | Rs 9,167 |
| 2 years | Rs 25,000 | 11.15% | Rs 929 | Rs 9,292 |
| 3 years | Rs 50,000 | 11.38% | Rs 948 | Rs 9,483 |
| 4 years | Rs 50,000 | 11.20% | Rs 933 | Rs 9,333 |
| 5 years | Rs 1,00,000 | 11.30% | Rs 942 | Rs 9,417 |
Before tax, HabibMetro sheet effective 1 September 2026.
At 11.00% to 11.38%, the Mahana Scheme is one of the highest monthly-profit bank products in Pakistan right now, ahead of Bank Al Habib’s Mahana Munafa (10.75%) and JS Bank’s 1-year deposit (10.62%).
HabibMetro Term Deposit Rates
Regular Term Deposits (profit at maturity)
| Tenor | Rate |
|---|---|
| 1 month | 10.00% |
| 3 months | 10.25% |
| 6 months | 10.50% |
| 1 year | 11.50% |
| 2 years | 11.75% |
| 3 years | 12.00% |
| 4 years | 11.80% |
| 5 years | 11.90% |
Other HabibMetro Deposits
| Product | Tenor | Rate |
|---|---|---|
| Special Term Deposit | 13 months | 13.00% flat (about 12.00% a year), at maturity |
| Special Term Deposit | 15 months | 15.00% flat (about 12.00% a year), at maturity |
| Bharpoor Munafa Scheme | 1 year | 11.50%, at maturity |
| Short Notice Term Deposit | 7 days or 30 days+ | 10.00% |
HABIB METRO Premium Deposit Scheme
| Tenor | Quarterly | Every 6 months | Yearly |
|---|---|---|---|
| 1 year | 11.05% | 11.20% | 11.50% |
| 2 years | 11.25% | 11.45% | 11.75% |
| 3 years | 11.50% | 11.65% | 12.00% |
| 4 years | 11.30% | 11.45% | 11.80% |
| 5 years | 11.40% | 11.55% | 11.90% |
Yearly rates, HabibMetro sheet effective 1 September 2026. Term deposits are not covered by the State Bank minimum; confirm the current rate with the branch before booking.
Is HabibMetro Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| HabibMetro Mahana Scheme, 3 years | 11.38% | Rs 9,483 |
| HabibMetro Mahana Scheme, 1 year | 11.00% | Rs 9,167 |
| Bank Al Habib Mahana Munafa, 1 year | 10.75% | Rs 8,958 |
| JS Bank 1-year term deposit, monthly profit | 10.62% | Rs 8,850 |
| Any conventional bank savings account | 10.50% | Rs 8,750 |
| National Savings Regular Income Certificate | 12.12% | Rs 10,100 |
Bank rates November 2026 (HabibMetro term rates from the September 2026 sheet); National Savings rate from 21 October 2026.
For savings, HabibMetro pays the same 10.50% as HBL or MCB. For monthly income from a lump sum, its Mahana Scheme currently beats most banks, though National Savings schemes still pay more.
Tax on HabibMetro Profit
HabibMetro 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
- Leaving a lump sum in savings when you want monthly income. The Mahana Scheme pays 11.00% or more.
- Choosing the PLS Saving Deposit for monthly profit. It pays every six months.
- Booking without confirming the current rate. HabibMetro’s posted term rates are from September.
- 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.
HabibMetro Profit Rates: FAQs
What is the HabibMetro profit rate on 1 lac?
Individuals with up to Rs 1 crore must get at least 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.
What is the HABIB METRO Mahana Scheme profit rate?
11.00% for one year, 11.15% for two years, 11.38% for three years, 11.20% for four years and 11.30% for five years, with profit every month, on the September 2026 sheet.
What is the HabibMetro term deposit rate for 1 year?
11.50% at maturity on the September 2026 sheet. The Bharpoor Munafa Scheme also pays 11.50% for one year.
How much profit does HabibMetro give on 10 lakh?
About Rs 8,750 a month in a savings account at 10.50%, or about Rs 9,167 a month in the 1-year Mahana Scheme at 11.00%, before tax.
HabibMetro mein 1 lakh par kitna munafa milta hai?
Saving account mein Rs 1 lakh par taqreeban Rs 875 mahana (10.50%). Mahana Scheme (1 saal) mein 11% par taqreeban Rs 917 mahana milta hai.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with HabibMetro before you invest.
Related Guides
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- Regular Income Certificate monthly profit