Bank of Punjab (BOP) profit rates on savings accounts are 10.50% a year from 1 November 2026, so Rs 1 lakh in a BOP savings account earns about Rs 875 a month before tax, or Rs 700 for a filer. BOP’s women’s account, BOP Naaz, pays more: up to 11.10% on larger balances. One-year term deposits pay 9.50% to 10.25%, and 5-year deposits up to 11.00% at maturity.
Last updated: 11 November 2026 by Ahmed. Rates are from BOP’s Deposit Rate Sheet effective 1 November 2026 (valid to 30 November 2026).
Compare BOP with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
Bank of Punjab Profit Rates on Savings Accounts (November 2026)
BOP pays the same 10.50% on almost every rupee savings account for customers covered by the State Bank’s minimum deposit rate (MDR). The main difference between accounts is how often profit is paid: monthly or every six months.
| BOP account | Profit paid | Rate (MDR customers) | Rate (non-MDR) |
|---|---|---|---|
| BOP PLS Saving Account | Every 6 months | 10.50% | 5.00% |
| BOP Asaan Saving Account | Every 6 months | 10.50% | 5.00% |
| BOP Behtareen Munafa Account | Monthly | 10.50% | 5.00% |
| BOP Mera Munafa Account | Every 6 months | 10.50% | 5.00% |
| BOP Khaas (Monthly) Saving Account | Monthly | 10.50% | 5.00% |
| BOP Khaas (Semi-Annual) Saving Account | Every 6 months | 10.50% | 5.00% |
| BOP Young Lion Saving Account | Monthly | 10.50% | – |
| BOP PLS Direct Pension Credit Account | Every 6 months | 10.50% | – |
| BOP Kissan Dost Saving Account | Every 6 months | 10.50% | 5.00% |
| BOP @ Work Saving Account | Every 6 months | 10.50% | – |
| BOP Roshan Digital Account (PKR) | Every 6 months | 10.50% | – |
Yearly simple rates, BOP Deposit Rate Sheet effective 1 November 2026. MDR customers are individuals covered by the State Bank’s minimum deposit rate rule (balances up to Rs 1 crore). Non-MDR applies to customers outside that rule.
The 10.50% is the minimum the State Bank requires conventional banks to pay individuals after it raised the policy rate to 12% on 27 October 2026. If you want monthly profit, pick the Behtareen Munafa, Khaas (Monthly) or Naaz account rather than the PLS Saving Account, which pays only twice a year.
BOP Naaz and Teenager Accounts: Higher Slab Rates
BOP’s women’s account (Naaz) and Teenager Account pay more than 10.50% on bigger balances, with profit every month:
| Balance slab | BOP Naaz Saving Account | BOP Teenager Account |
|---|---|---|
| Up to Rs 50,000 | 10.50% | 10.50% |
| Rs 50,000 to Rs 5 lakh | 10.70% | 10.60% |
| Rs 5 lakh to Rs 30 lakh | 10.90% | 10.65% |
| Above Rs 30 lakh | 11.10% | 10.80% (up to Rs 1 crore) |
| Above Rs 1 crore | – | 10.50% |
Monthly profit. The rate for the slab your balance falls in is listed on BOP’s sheet; ask the branch how the slab is applied to your account.
BOP Naaz is one of the highest-paying savings accounts in Pakistan for women right now, at up to 11.10%.
Bank of Punjab Profit Rates on 1 Lac and Other Amounts
At the standard 10.50% BOP 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 BOP profit rate on 1 lac works out to Rs 875 a month (Rs 10,500 a year) before tax. In a BOP Naaz account, Rs 1 lakh falls in the 10.70% slab, which is about Rs 892 a month. If your PLS account pays every six months, you receive about Rs 5,250 per Rs 1 lakh in each payment instead of a monthly credit.
BOP Term Deposit Rates (November 2026)
BOP term deposits start from Rs 10,000. The rate depends on the tenor and how often you take the profit:
| Tenor | Monthly | Quarterly | Every 6 months | At maturity |
|---|---|---|---|---|
| 1 month | – | – | – | 9.25% |
| 3 months | 9.40% | – | – | 9.50% |
| 6 months | 9.50% | 9.60% | – | 9.75% |
| 1 year | 9.50% | 9.75% | 9.80% | 10.25% |
| 2 years | 9.55% | 9.65% | 9.75% | 10.50% |
| 3 years | 9.35% | 9.50% | 9.60% | 10.75% |
| 5 years | 9.00% | 9.10% | 9.25% | 11.00% |
Yearly simple rates, BOP LCY term deposits, sheet effective 1 November 2026. Rates for Rs 25 crore and above are quoted separately by the bank.
Right now a BOP savings account (10.50%, no lock-in) pays more than a 1-year BOP term deposit with monthly profit (9.50%). A term deposit only makes sense if you want to lock a rate for several years, for example the 5-year deposit at 11.00% paid at maturity.
BOP Bonus Munafa Term Deposit
The Bonus Munafa Term Deposit (from Rs 50,000) pays a low base rate of 4.00% to 5.00%, plus a bonus that brings it to 8.50% for the month if you keep at least 25% of your deposit amount as a monthly average balance in a linked current account. Because it pays less than the ordinary term deposit, compare carefully before you book one.
Is BOP Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| BOP savings account (PLS, Behtareen Munafa) | 10.50% | Rs 8,750 |
| BOP Naaz (Rs 5 lakh to Rs 30 lakh slab) | 10.90% | Rs 9,083 |
| BOP 1-year term deposit, monthly profit | 9.50% | Rs 7,917 |
| Any conventional bank savings (HBL, UBL, NBP, MCB) | 10.50% | Rs 8,750 |
| 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 ordinary savings up to Rs 1 crore, BOP pays the same as UBL, NBP and other conventional banks. BOP stands out with the Naaz account for women and the 5-year term deposit at maturity. For a Shariah-compliant comparison, see Meezan Bank profit rates.
Tax on BOP Profit
BOP 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 a BOP Savings Account
- Branch: visit any BOP branch with your original CNIC and proof of income or employment.
- Digital: BOP offers digital account opening through its app for eligible customers.
- Overseas Pakistanis: open a BOP Roshan Digital Account; its PKR savings pay 10.50% (paid every six months).
- Filer status: make sure your CNIC is on FBR’s Active Taxpayers List so BOP deducts 20%, not 40%.
Common Mistakes
- Choosing the PLS Saving Account for monthly income. It pays every six months. Use Behtareen Munafa, Khaas (Monthly) or Naaz instead.
- Booking a 1-year term deposit at 9.50% monthly when the savings account pays 10.50% without a lock-in.
- Ignoring the Naaz account. Women can earn up to 11.10% instead of 10.50%.
- Forgetting filer status. A non-filer loses 40% of profit to tax.
Bank of Punjab Profit Rates: FAQs
What is the Bank of Punjab profit rate on 1 lac?
BOP 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.
Which BOP account gives monthly profit?
BOP Behtareen Munafa Account, BOP Khaas (Monthly) Saving Account, BOP Naaz Saving Account, BOP Teenager Account and BOP Young Lion Saving Account pay profit every month.
What is the BOP Naaz account profit rate?
From 10.50% on balances up to Rs 50,000 to 11.10% on balances above Rs 30 lakh, paid monthly, on the November 2026 sheet.
What is the BOP term deposit rate for 1 year?
9.50% with monthly profit, 9.75% quarterly, 9.80% every six months and 10.25% at maturity, on the November 2026 sheet.
How much profit does BOP give on 10 lakh?
About Rs 8,750 a month before tax at 10.50%, or Rs 7,000 for a filer. In a BOP Naaz account, Rs 10 lakh falls in the 10.90% slab, about Rs 9,083 a month.
BOP mein 1 lakh par kitna munafa milta hai?
BOP 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.
Bank of Punjab ka sab se zyada munafa wala account kaun sa hai?
Khawateen ke liye BOP Naaz account, jo bari raqam par 11.10% tak deta hai. Lambi muddat ke liye 5 saal ka term deposit maturity par 11% deta hai.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with BOP before you invest.
Related Guides
- Bank profit rates in Pakistan (all banks)
- Bank Profit Calculator
- Meezan Bank profit rates
- UBL profit rates 2026
- NBP profit rates 2026
- Bank Alfalah profit rates 2026
- Fixed deposit rates in Pakistan
- 1 crore profit in bank in Pakistan