Bank Al Habib 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 earns about Rs 875 a month before tax, or Rs 700 for a filer. Above Rs 1 crore Bank Al Habib pays 9.50%. Its Salana Munafa Account pays 11.00% for one year, and the Mahana Munafa Account pays 10.75% with monthly profit, among the best 1-year rates at any big bank.
Last updated: 11 November 2026 by Ahmed. Rates are from Bank Al Habib’s deposit rate sheet (savings rates effective 1 November 2026; fixed deposit schemes effective 11 August 2026).
Compare Bank Al Habib with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
Bank Al Habib Profit Rates on Savings Accounts (November 2026)
Bank Al Habib pays the same rate on all of its rupee savings accounts for individuals, based on your monthly average balance:
| Bank Al Habib account | Up to Rs 1 crore | Above Rs 1 crore |
|---|---|---|
| AL Habib PLS Savings Account | 10.50% | 9.50% |
| Monthly Profit Plan Account | 10.50% | 9.50% |
| AL Habib Monthly Saver Account | 10.50% | 9.50% |
| AL Habib Enhanced Savings Account | 10.50% | 9.50% |
| AL Habib Woman Savings Account (and digital) | 10.50% | 9.50% |
| AL Habib Senior Citizens’ Account | 10.50% | 9.50% |
| AL Habib Pensioner’s Savings Account | 10.50% | 9.50% |
| AL Habib Asaan and Asaan Digital Savings | 10.50% | 9.50% |
| AL Habib Remit and Freelancer Savings | 10.50% | 9.50% |
| AL Habib Roshan Digital Savings Account (PKR) | 10.50% | 9.50% |
Yearly rates for individuals from 1 November 2026. Profit is calculated on the monthly average balance.
Bank Al Habib raised its savings rate from 10.00% to 10.50% on 1 November 2026, the minimum the State Bank now requires conventional banks to pay individuals after it raised the policy rate to 12% on 27 October. Above Rs 1 crore it pays 9.50%, the same as HBL and Allied and more than MCB (9.00%).
Bank Al Habib Profit Rates on 1 Lac and Other Amounts
At the 10.50% 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 Bank Al Habib profit rate on 1 lac works out to Rs 875 a month, or Rs 10,500 a year before tax.
AL Habib Mahana Munafa Account (Monthly Profit)
The Mahana Munafa Account is a term deposit that pays profit every month. Its 1-year rate is higher than the savings rate:
| Tenor | Rate | Monthly profit on Rs 1 lakh | Monthly profit on Rs 10 lakh |
|---|---|---|---|
| 1 year | 10.75% | Rs 896 | Rs 8,958 |
| 2 years | 9.75% | Rs 813 | Rs 8,125 |
| 3 years | 9.75% | Rs 813 | Rs 8,125 |
| 4 years | 9.50% | Rs 792 | Rs 7,917 |
| 5 years | 9.50% | Rs 792 | Rs 7,917 |
Before tax. The rate stays fixed at the rate on the day you book the deposit.
At 10.75%, the 1-year Mahana Munafa Account pays a little more than the savings account and locks in the rate for the full year, which helps if the State Bank cuts rates later.
Bank Al Habib Term Deposit Rates
| Product | Tenor | Rate |
|---|---|---|
| AL Habib Salana Munafa Account | 1 year (profit yearly) | 11.00% |
| Fixed Term Deposit | 1, 3 or 6 months | 9.00% |
| Fixed Term Deposit | 1 year | 10.00% |
| Fixed Term Deposit | 2 or 3 years | 9.50% |
| Fixed Term Deposit | 4 or 5 years | 9.25% |
| AL Habib Special Saver Certificate | Each of 3 years | 9.00% |
| AL Habib Zamanat Account | – | 10.50% (from 1 November) |
| Special Notice Term Deposit | 7 or 30 days | 9.00% |
| AL Habib Treasures Call Account | – | 9.50% |
Yearly rates. Fixed deposit schemes effective 11 August 2026; term deposits keep the rate at which they were booked.
The Salana Munafa Account at 11.00% is the highest rate on Bank Al Habib’s sheet. On Rs 10 lakh, it pays about Rs 1,10,000 at the end of the year before tax, compared with Rs 1,05,000 a year in the savings account.
Is Bank Al Habib Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| Bank Al Habib Mahana Munafa, 1 year | 10.75% | Rs 8,958 |
| Bank Al Habib 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 |
| National Savings Regular Income Certificate | 12.12% | Rs 10,100 |
Bank rates November 2026; National Savings rate from 21 October 2026.
On savings, Bank Al Habib pays the same as HBL, MCB and Allied Bank. Where it stands out is its monthly-profit term deposit (10.75%) and Salana Munafa (11.00%), which beat the 1-year deposits at most large banks.
Tax on Bank Al Habib Profit
The 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
- Leaving a large balance in savings when you want monthly income for a year. The 1-year Mahana Munafa Account pays 10.75%.
- Booking a 1-year Fixed Term Deposit at 10.00% when Salana Munafa pays 11.00% for the same tenor.
- Keeping more than Rs 1 crore in one savings account. Above Rs 1 crore the rate drops to 9.50%.
- 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.
Bank Al Habib Profit Rates: FAQs
What is the Bank Al Habib profit rate on 1 lac?
Bank Al Habib 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 AL Habib Mahana Munafa Account profit rate?
10.75% for one year, 9.75% for two or three years and 9.50% for four or five years, with profit paid every month.
What is the Bank Al Habib Salana Munafa rate?
11.00% a year for one year, paid at year end.
How much profit does Bank Al Habib give on 10 lakh?
About Rs 8,750 a month in a savings account at 10.50%, or about Rs 8,958 a month in a 1-year Mahana Munafa Account at 10.75%, before tax.
Bank Al Habib mein 1 lakh par kitna munafa milta hai?
Saving account mein Rs 1 lakh par taqreeban Rs 875 mahana munafa milta hai (10.50% salana). Mahana Munafa Account (1 saal) mein 10.75% par Rs 896 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 Bank Al Habib before you invest.
Related Guides
- Bank profit rates in Pakistan (all banks)
- Bank Profit Calculator
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- MCB profit rates
- Allied Bank profit rates
- Bank of Punjab profit rates
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- Fixed deposit rates in Pakistan