If you keep Rs 1 lakh in a normal savings account at a conventional bank in Pakistan, you now earn about Rs 875 a month before tax. That is Rs 700 after tax if you are a filer and Rs 525 if you are not. From 1 November 2026, banks must pay at least 10.5% a year on individual savings up to Rs 1 crore. This guide shows current bank profit rates in Pakistan, monthly profit from Rs 1 lakh to Rs 1 crore, the banks that pay more, and how a bank compares with Qomi Bachat (National Savings).
Profit on Rs 1 lakh by bank or scheme: National Savings profit on 1 lakh per month · National Bank (NBP) profit rates on 1 lac · Bank of Punjab profit rates on 1 lac · UBL profit rates on 1 lac · Qomi Bachat profit on 1 lakh · bank profit calculator
Last updated: 12 November 2026 by Ahmed. Rates checked on the State Bank, FBR, CDNS and bank websites on 3 November 2026.
Bank Profit Rates in Pakistan (November 2026)
The State Bank raised its policy rate to 12% from 27 October 2026, which moved its floor rate to 11%. Banks must pay individuals at least 0.5 points below the floor on rupee savings, so the minimum is now 10.5% a year from 1 November (it was 10%). Most large conventional banks pay exactly this minimum.
| Bank and account | Rate up to Rs 1 crore | Above Rs 1 crore | Status |
|---|---|---|---|
| All conventional banks, individual savings (HBL, UBL, MCB, Allied, NBP, Askari and others) | At least 10.50% | Bank decides (lower) | SBP minimum from 1 Nov 2026 |
| Bank Alfalah PLS Savings, Royal Profit, Alfa Savings | 10.50% | 9.50% | November sheet |
| Bank Alfalah Pehchaan, Kifayat, Care Senior Citizen | 10.55% to 10.80% | Check with bank | November sheet |
| JS Bank savings accounts | 10.50% | 7.50% (Rs 1 crore to 2.5 crore) | November sheet |
| Soneri Bank PLS Savings | 10.50% | Check with bank | Sheet dated 5 Sep 2026 |
| Meezan Bank Rupee Savings (Islamic) | 6.79% | 6.00% | Declared for October 2026 |
| Meezan Certificate of Islamic Investment, 1 year | 9.18% (monthly) / 9.55% (maturity) | Same | Declared for October 2026 |
All Bank Profit Rates in Pakistan: Bank-wise List (November 2026)
Here is every bank we track, with its savings rate and its best monthly-profit option. Click a bank for its full rate sheet, term deposits and monthly profit table.
| Bank | Savings rate (up to Rs 1 crore) | Best monthly-profit option | Profit on Rs 1 lakh (savings, monthly) |
|---|---|---|---|
| HabibMetro | 10.50% | Mahana Scheme 1 year: 11.00% | Rs 875 |
| Bank Al Habib | 10.50% | Mahana Munafa 1 year: 10.75% | Rs 875 |
| Soneri Bank | 10.50% (Roshan Savings 10.60%) | Monthly Munafa 1 year: 10.75% | Rs 875 |
| JS Bank | 10.50% | 1-year term deposit: 10.62% | Rs 875 |
| Bank of Punjab | 10.50% (Naaz up to 11.10%) | Naaz Saving Account: up to 11.10% | Rs 875 |
| HBL | 10.50% | Mahana Amdan savings: 10.50% | Rs 875 |
| UBL | 10.50% | Mahana Aamdani savings: 10.50% | Rs 875 |
| MCB | 10.50% | Savings: 10.50% (term deposits about 7.5%) | Rs 875 |
| Allied Bank | 10.50% | Behtar Munafa 1 year: 10.00% | Rs 875 |
| NBP | 10.50% | Savings: 10.50% | Rs 875 |
| Askari Bank | 10.50% | Waqaar / Sahar savings: 10.50% | Rs 875 |
| Bank Alfalah | 10.50% (tiered up to 10.80%) | Mahana Amdan 1 year: 10.95% | Rs 875 |
| Meezan Bank (Islamic) | 6.79% (Oct 2026) | COII 1.5 years: 10.12% | Rs 566 |
| BankIslami (Islamic) | 6.91% (Oct 2026) | 1-year term deposit: 8.51% | Rs 576 |
| Dubai Islamic Bank (Islamic) | 6.35% (Oct 2026) | Savings: 6.35% | Rs 529 |
| Al Baraka Bank (Islamic) | 6.00% (Oct 2026) | Savings: 6.00% | Rs 500 |
Conventional bank rates from November 2026 rate sheets (HabibMetro term rate from its September 2026 sheet; Bank Alfalah Mahana Amdan from its 3 November sheet). Islamic bank rates are declared after each month ends; figures shown are for October 2026.
Looking for a specific amount? See monthly profit on Rs 5 lakh, Rs 10 lakh, Rs 20 lakh, Rs 50 lakh and Rs 1 crore.
Monthly Profit Rates of Banks in Pakistan on Rs 1 Lakh
Here is what Rs 1,00,000 earns per month, before and after tax. National Bank, UBL, HBL, MCB, Allied Bank, Bank of Punjab and other conventional banks must all pay the 10.5% minimum or more on savings accounts, so the first row applies to them.
| Where you keep Rs 1 lakh | Yearly rate | Monthly profit (before tax) | Filer (20% tax) | Non-filer (40% tax) |
|---|---|---|---|---|
| NBP, UBL, HBL, MCB, Allied, Alfalah, Bank of Punjab PLS savings | 10.50% | Rs 875 | Rs 700 | Rs 525 |
| Bank Alfalah Pehchaan / Kifayat (top tier) | 10.80% | Rs 900 | Rs 720 | Rs 540 |
| Meezan Bank Rupee Savings | 6.79% | Rs 566 | Rs 453 | Rs 340 |
| Meezan 1-year certificate (monthly profit) | 9.18% | Rs 765 | Rs 612 | Rs 459 |
| JS Bank 1-year term deposit (at maturity) | 11.32% | Rs 943 (paid at the end) | Rs 755 | Rs 566 |
Bank Profit Rates in Pakistan: Monthly Profit from Rs 1 Lakh to Rs 1 Crore
At the 10.5% minimum rate, this is your monthly profit for common amounts:
| Amount in bank | Monthly profit (before tax) | Filer, after 20% tax | Non-filer, after 40% tax | Yearly profit (before tax) |
|---|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 525 | Rs 10,500 |
| Rs 2 lakh | Rs 1,750 | Rs 1,400 | Rs 1,050 | Rs 21,000 |
| Rs 3 lakh | Rs 2,625 | Rs 2,100 | Rs 1,575 | Rs 31,500 |
| Rs 5 lakh | Rs 4,375 | Rs 3,500 | Rs 2,625 | Rs 52,500 |
| Rs 10 lakh | Rs 8,750 | Rs 7,000 | Rs 5,250 | Rs 1,05,000 |
| Rs 20 lakh | Rs 17,500 | Rs 14,000 | Rs 10,500 | Rs 2,10,000 |
| Rs 25 lakh | Rs 21,875 | Rs 17,500 | Rs 13,125 | Rs 2,62,500 |
| Rs 50 lakh | Rs 43,750 | Rs 35,000 | Rs 26,250 | Rs 5,25,000 |
| Rs 1 crore | Rs 87,500 | Rs 70,000 | Rs 52,500 | Rs 10,50,000 |
Highest Profit Rate Banks in Pakistan 2026
These are the highest-paying bank options for monthly profit in November 2026:
- HabibMetro Mahana Scheme (1 year): 11.00%, about Rs 917 a month on Rs 1 lakh (September 2026 sheet).
- Bank Al Habib Mahana Munafa (1 year): 10.75%, about Rs 896 a month on Rs 1 lakh.
- Soneri Monthly Munafa (1 year): 10.75%, about Rs 896 a month on Rs 1 lakh.
- JS Bank 1-year term deposit (monthly profit): 10.62%, about Rs 885 a month on Rs 1 lakh.
- Bank of Punjab Naaz Saving Account (women): up to 11.10% on balances above Rs 30 lakh, with no lock-in.
For a lump sum you can lock for a year with profit at maturity, HabibMetro (11.50%), JS Bank (11.32%), Bank Al Habib Salana Munafa (11.00%) and Soneri Salana Amdani (11.00%) pay the most.
- Savings account, monthly profit: Bank Alfalah’s tiered accounts (Pehchaan, Kifayat, Care Senior Citizen) pay up to 10.80%, slightly above the 10.5% minimum. Check that the account pays profit monthly, not every six months.
- Locking money for a year: 1-year term deposits pay more, for example 11.32% at JS Bank and 11.25% at Bank Alfalah (paid at maturity) on their November sheets.
- Islamic option: Meezan’s 1-year certificate paid 9.18% with monthly profit for October 2026. Its ordinary savings account paid 6.79%.
- Higher than any bank: National Savings (Qomi Bachat) schemes such as Behbood (12.96%) and Regular Income Certificates (12.12%) pay more each month. See the comparison below.
Fixed Deposit Rates in Pakistan
| Bank and term | Profit paid monthly | Profit paid at maturity | Sheet date |
|---|---|---|---|
| JS Bank, 1 year (Rs 1 lakh to Rs 49.99 lakh) | Check sheet | 11.32% | November 2026 |
| Bank Alfalah, 1 year (under Rs 10 lakh) | Check sheet | 11.25% | November 2026 |
| Soneri Bank, 1 year | 10.50% | 10.75% | 5 September 2026 |
| Soneri Bank, 3 years | 9.50% | 9.75% | 5 September 2026 |
| Meezan Certificate of Islamic Investment, 1 year | 9.18% | 9.55% | October 2026 (declared) |
| Meezan Certificate, 1.5 years | 10.12% | – | October 2026 (declared) |
For more on how term deposits work, see our term deposit guide.
How the Minimum Profit Rule Works
- The minimum rate on rupee savings is set 0.5 points below the SBP floor rate (1.5 points below the policy rate).
- Policy rate 12%, floor 11% since 27 October 2026, so the minimum is 10.5% from 1 November 2026.
- Since 1 August 2026, the rule covers only individuals with a monthly average balance up to Rs 1 crore.
- It does not cover fixed deposits, companies or financial institutions. Islamic banks share profit under their own weightages, so their rates are lower and change every month.
Tax on Bank Profit in 2026-27
Banks deduct withholding tax before they pay your profit. Under FBR’s current rate card, tax on profit from a bank account or deposit is 20% for filers (people on the Active Taxpayers List) and 40% for non-filers. On Rs 10 lakh at 10.5%, a filer keeps Rs 7,000 a month and a non-filer Rs 5,250, a difference of Rs 21,000 a year. Read how to become a filer if you are not on the list yet.
Bank vs Qomi Bachat (National Savings) on Rs 1 Lakh
| Option | Yearly rate | Profit on Rs 1 lakh (before tax) | Withdraw any time? |
|---|---|---|---|
| Bank savings account (conventional) | 10.50% | Rs 875 a month | Yes |
| National Savings Account (CDNS) | 10.00% | Rs 833 a month | Yes |
| Sarwa Islamic Savings Account (CDNS) | 11.84% | About Rs 973 a month (expected) | Yes |
| Regular Income Certificate | 12.12% | Rs 1,010 a month | Early encashment cuts profit |
| Behbood Savings Certificate (widows, seniors, disabled) | 12.96% | Rs 1,080 a month | Early encashment cuts profit |
| Special Savings Certificate | 12.00% | Rs 6,000 every 6 months | Early encashment cuts profit |
Details: Regular Income Certificate monthly profit, Behbood Savings Certificate and all National Savings schemes.
Is My Money Safe in a Bank?
Deposits at member banks are protected by the Deposit Protection Corporation up to Rs 10 lakh per depositor per bank. If you hold more than that, you can spread it across banks or keep part in government schemes.
How Much Interest Does a Bank Give on 1 Lakh in Pakistan?
Many people search for bank “interest” rather than “profit”. In Pakistan, conventional banks pay interest (called profit) of at least 10.50% a year on savings up to Rs 1 crore from 1 November 2026. That is about Rs 875 a month on Rs 1 lakh, Rs 8,750 on Rs 10 lakh and Rs 87,500 on Rs 1 crore, before tax. Islamic banks such as Meezan pay profit under profit-sharing instead of interest, about 6% to 7% a year on savings in October 2026.
Common Mistakes
- Keeping savings in a current account. Current accounts pay no profit.
- Expecting monthly profit from a PLS account. Many PLS accounts pay every six months; choose a “Mahana” or monthly-profit account if you need monthly income.
- Ignoring the tax. A non-filer loses 40% of the profit to tax.
- Comparing an Islamic savings rate with a conventional rate for the same month. Islamic rates are declared after the month ends and move every month.
- Keeping more than Rs 1 crore in one savings account. The minimum-rate rule stops at Rs 1 crore.
Related guides: Read our guides on banks in Pakistan, Islamic banks in Pakistan and conventional banks.
How much profit does a bank give on Rs 1 lakh per month in Pakistan?
About Rs 875 a month before tax at the 10.5% minimum rate that applies from 1 November 2026. A filer keeps about Rs 700 after 20% tax and a non-filer about Rs 525 after 40% tax.
1 lakh par bank kitna munafa deta hai?
Conventional bank savings account mein Rs 1 lakh par taqreeban Rs 875 mahana munafa milta hai (10.5% salana). Filer ko tax ke baad Rs 700 aur non-filer ko Rs 525 milte hain.
What is the National Bank (NBP) profit rate on Rs 1 lakh?
NBP savings accounts for individuals must pay at least the 10.5% minimum from November 2026, so Rs 1 lakh earns about Rs 875 a month before tax. Check NBP’s current rate sheet for the exact rate of your account.
How much monthly profit will I get on Rs 1 crore in a bank?
About Rs 87,500 a month before tax at 10.5%, or Rs 70,000 after 20% tax for a filer. Above Rs 1 crore banks can pay a lower rate, so spreading large amounts across banks or government schemes can earn more.
Which bank gives the highest profit per month in Pakistan?
Among savings accounts, Bank Alfalah’s tiered accounts pay up to 10.80%. One-year term deposits pay more, such as 11.32% at JS Bank and 11.25% at Bank Alfalah. National Savings schemes like Behbood (12.96%) pay more than any bank.
How much tax is deducted on bank profit?
20% for filers on the Active Taxpayers List and 40% for non-filers, deducted by the bank before it pays your profit.
What is the UBL, Bank Alfalah or Bank of Punjab profit rate on Rs 1 lakh?
All three are conventional banks, so their PLS savings accounts must pay at least 10.5% a year from 1 November 2026. That is about Rs 875 a month on Rs 1 lakh before tax, Rs 700 for a filer and Rs 525 for a non-filer. Bank Alfalah’s tiered accounts pay up to 10.80% (Rs 900 a month). Rates differ by account type, so check the bank’s latest profit rate sheet.
Bank mein 10 lakh par mahana kitna munafa milta hai?
Rs 8,750 mahana tax se pehle, 10.5% salana rate par. Filer ko 20% tax ke baad Rs 7,000 aur non-filer ko 40% tax ke baad Rs 5,250 milte hain.
Sab se zyada munafa kaun sa bank deta hai?
10.80% tak Bank Alfalah ke Pehchaan aur Kifayat accounts par (Rs 1 lakh par Rs 900 mahana). 1 saal ke term deposit par JS Bank 11.32% aur Bank Alfalah 11.25% 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 your bank or the official source before you invest.
Related Guides
- Bank Profit Calculator: monthly profit on any amount
- Meezan Bank profit rates
- HBL profit rates
- MCB profit rates
- Allied Bank profit rates
- Bank of Punjab profit rates
- Bank Al Habib profit rates
- HabibMetro profit rates
- JS Bank profit rates
- Soneri Bank profit rates
- Askari Bank profit rates
- BankIslami profit rates
- Dubai Islamic Bank profit rates
- Al Baraka Bank profit rates
- 10 lakh profit in bank per month
- 1 crore profit in bank in Pakistan
- NBP profit rates 2026
- Fixed deposit rates in Pakistan
- Qomi Bachat profit rate on 1 lakh
- Best investment for monthly income in Pakistan
- Best investment in Pakistan: options compared
- Regular Income Certificate monthly profit
- Term deposits: rates and how they work
- Saving accounts in Pakistan
- Conventional banks in Pakistan
- National Savings Certificates: latest rates
- UBL profit rates 2026
- Bank Alfalah profit rates 2026
Sources
- State Bank of Pakistan: policy rate 12% and floor rate 11% (from 27 October 2026)
- FBR: Withholding tax rate card (section 151, profit on bank deposits)
- Meezan Bank: historical profit rates 2026
- Soneri Bank: PKR rate sheet
- Pakera: bank savings rate 10.5% from 1 November 2026 (Bank Alfalah and JS Bank sheets)
- Mettis Global: CDNS profit rates from 21 October 2026