Dubai Islamic Bank (DIB Pakistan) profit rates for October 2026 are 6.35% a year on savings accounts for individuals with balances up to Rs 1 crore, so Rs 1 lakh earned about Rs 529 that month before tax, or Rs 423 for a filer. DIB’s fixed deposits paid only 5.00% to 6.20%, less than its savings accounts. As an Islamic bank, DIB declares its rates after each month ends.
Last updated: 11 November 2026 by Ahmed. Rates are from Dubai Islamic Bank Pakistan’s historical rate sheet (CMP) for October 2026.
Compare DIB with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
Dubai Islamic Bank Profit Rates on Savings Accounts (October 2026)
All of DIB’s main rupee savings accounts paid the same rate to individuals covered by the State Bank’s minimum deposit rate rule (balances up to Rs 1 crore), with profit paid monthly:
| DIB account | Profit paid | Oct 2026 | Sept 2026 | Aug 2026 |
|---|---|---|---|---|
| Savings Regular / RDA | Monthly | 6.35% | 6.45% | 6.05% |
| Savings Special | Monthly | 6.35% | 6.45% | 6.05% |
| Savings Plus | Monthly | 6.35% | 6.45% | 6.05% |
| Enhanced Saving | Monthly | 6.35% | 6.45% | 6.05% |
| Johara Account (women) | Monthly | 6.35% | 6.45% | 6.05% |
| Senior Citizen / Pensioner / Widows Account | Monthly | 6.35% | 6.45% | 6.05% |
| Asaan Saving and Asaan Digital Account | Monthly | 6.35% | 6.45% | 6.05% |
| Freelancer and Asaan Remittance Saving | Monthly | 6.35% | 6.45% | 6.05% |
| E-Savings | Quarterly | 6.35% | 6.45% | 6.05% |
Yearly rates for individuals with balances up to Rs 1 crore, DIB Pakistan historical rate sheet (October 2026). Customers outside the minimum rate rule got about 4.50% to 5.00%.
Islamic banks are not bound by the 10.50% minimum that conventional banks must pay from November 2026. DIB shares what its deposit pool earns, so its rate is lower and moves every month: it rose from 6.05% in August to 6.45% in September, then eased to 6.35% in October.
DIB Profit Rates on 1 Lac and Other Amounts
At the October 2026 rate of 6.35%:
| Amount | Monthly profit (before tax) | Filer (after 20% tax) | Non-filer (after 40% tax) |
|---|---|---|---|
| Rs 1 lakh | Rs 529 | Rs 423 | Rs 318 |
| Rs 5 lakh | Rs 2,646 | Rs 2,117 | Rs 1,588 |
| Rs 10 lakh | Rs 5,292 | Rs 4,233 | Rs 3,175 |
| Rs 25 lakh | Rs 13,229 | Rs 10,583 | Rs 7,938 |
| Rs 50 lakh | Rs 26,458 | Rs 21,167 | Rs 15,875 |
| Rs 1 crore | Rs 52,917 | Rs 42,333 | Rs 31,750 |
So the Dubai Islamic Bank profit rate on 1 lac worked out to about Rs 529 a month for October 2026.
DIB Fixed Deposit Rates (October 2026)
Profit at maturity
| Tenor | Rs 1 lakh to Rs 9.99 lakh | Rs 10 lakh to Rs 99.9 lakh | Rs 1 crore and above |
|---|---|---|---|
| 1 month | 5.00% | 5.15% | 5.30% |
| 3 months | 5.50% | 5.65% | 5.75% |
| 6 months | 5.50% | 5.70% | 5.90% |
| 1 year | 5.60% | 5.70% | 5.80% |
| 2 years | 5.90% | 5.90% | 5.90% |
| 3 years | 6.00% | 6.00% | 6.00% |
| 5 years | 6.10% | 6.10% | 6.10% |
| 7 years | 6.20% | 6.20% | 6.20% |
Monthly profit (1 year)
| Amount | October 2026 |
|---|---|
| Rs 1 lakh to Rs 9.99 lakh | 5.25% |
| Rs 10 lakh to Rs 99.9 lakh | 5.30% |
| Rs 1 crore to Rs 9.99 crore | 5.40% |
Declared rates, DIB Pakistan historical rate sheet for October 2026.
In October, a DIB savings account (6.35%) paid more than any DIB fixed deposit, and you can withdraw at any time.
DIB vs Other Islamic Banks and Conventional Banks
| Option | Rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| Dubai Islamic Bank savings (October 2026) | 6.35% | Rs 5,292 |
| Meezan Bank Saving Account (October 2026) | 6.79% | Rs 5,658 |
| BankIslami Islami Bachat (October 2026) | 6.91% | Rs 5,757 |
| Conventional bank savings (HBL, MCB, Allied) | 10.50% | Rs 8,750 |
| Sarwa Islamic Savings Account (National Savings) | 11.84% | About Rs 9,867 |
Islamic bank rates declared for October 2026; conventional rates from 1 November 2026; Sarwa rate from 21 October 2026.
In October, DIB paid a little less than Meezan Bank and BankIslami on savings. For a Shariah-compliant option with a much higher return, compare the government’s Sarwa Islamic Savings Account.
Tax on DIB Profit
DIB 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
- Booking a DIB fixed deposit when the savings account paid more in October.
- Comparing DIB’s rate with a conventional bank’s rate. The 10.50% minimum does not apply to Islamic banks.
- Assuming the rate is fixed. DIB declares its rate monthly.
- 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.
Dubai Islamic Bank Profit Rates: FAQs
What is the Dubai Islamic Bank profit rate on 1 lac?
About Rs 529 a month before tax at the October 2026 savings rate of 6.35%. A filer keeps about Rs 423 after 20% tax.
What is the DIB Johara Account profit rate?
6.35% a year for October 2026 for individuals with balances up to Rs 1 crore, with monthly profit.
What is the DIB fixed deposit rate for 1 year?
5.60% to 5.80% at maturity, or 5.25% to 5.40% with monthly profit, depending on the amount, for October 2026.
Dubai Islamic Bank mein 1 lakh par kitna munafa milta hai?
October 2026 ke rate (6.35% salana) par Rs 1 lakh par taqreeban Rs 529 mahana munafa mila. Filer ko tax ke baad taqreeban Rs 423 milte hain.
This guide is for general information only and is not financial, tax or religious advice. Rates change every month, so confirm the latest figures with Dubai Islamic Bank before you invest.
Related Guides
- Meezan Bank profit rates
- BankIslami profit rates
- Islamic banks in Pakistan
- Sarwa Islamic Savings Account
- Bank profit rates in Pakistan (all banks)
- Bank Profit Calculator