Bank Profit Calculator Pakistan 2026: Monthly Profit on Any Amount
Use this free bank profit calculator to see how much monthly profit you get on Rs 1 lakh, 5 lakh, 10 lakh or Rs 1 crore in a Pakistani bank, a fixed deposit or Qomi Bachat (National Savings), after filer or non-filer tax. It compares every option side by side.
Rates checked on 4 November 2026 · SBP minimum 10.5% from 1 Nov 2026
1. How much money?
2. Where will you keep it?
Rates are yearly. Each option shows its source date in the result.
3. Are you a filer?
Tax on bank profit: 20% filer, 40% non-filer. National Savings: 15% filer, 30% non-filer.
Your monthly profit
- Profit before tax (monthly)
- Tax deducted
- Profit after tax (monthly)
- Profit after tax (yearly)
- Rate
- Profit paid
- Rate source
All options for Rs 1 lakh
| # | Option | Rate | Monthly (before tax) | Monthly (after tax) | Yearly (after tax) |
|---|
Sorted by profit after tax. Term deposits and certificates lock your money; breaking them early usually reduces the profit. Bank savings accounts let you withdraw any time.
Bank Profit on 1 Lakh to 1 Crore (Quick Table)
| Amount | Monthly before tax (10.5%) | Filer after 20% tax | Non-filer after 40% tax |
|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 525 |
| Rs 2 lakh | Rs 1,750 | Rs 1,400 | Rs 1,050 |
| Rs 3 lakh | Rs 2,625 | Rs 2,100 | Rs 1,575 |
| 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 20 lakh | Rs 17,500 | Rs 14,000 | Rs 10,500 |
| Rs 50 lakh | Rs 43,750 | Rs 35,000 | Rs 26,250 |
| Rs 1 crore | Rs 87,500 | Rs 70,000 | Rs 52,500 |
How the Bank Profit Calculator Works
- Monthly profit = amount × yearly rate ÷ 12. Rs 1,00,000 × 10.5% ÷ 12 = Rs 875.
- Tax is deducted at source: 20% (filer) or 40% (non-filer) on bank profit under section 151, and 15% or 30% on National Savings profit.
- Banks calculate profit on your monthly average balance. If money goes in and out during the month, your profit will be lower than shown.
- Options paid at maturity show the monthly average; the full year’s profit arrives at the end.
- Islamic banks declare their rate after each month ends, so Meezan’s rate changes every month.
Key Facts (November 2026)
Bank Profit Guides
Frequently Asked Questions
How much profit does a bank give on Rs 1 lakh per month?
About Rs 875 a month before tax at the 10.5% minimum rate from 1 November 2026. A filer keeps about Rs 700 and a non-filer about Rs 525.
How much 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 the minimum-rate rule stops, so banks may pay less.
Which gives more monthly profit, a bank or National Savings?
National Savings pays more right now: Regular Income Certificate 12.12% (Rs 1,010 a month per lakh) and Behbood 12.96% (Rs 1,080) against 10.5% in a bank savings account. National Savings also has lower tax (15% filer).
Is profit on a bank account halal?
Conventional bank profit is interest. Islamic banks such as Meezan pay profit under Mudarabah; their savings rate was 6.79% for October 2026. National Savings also offers the Sarwa Islamic range.
How often is bank profit paid?
PLS savings accounts usually pay every six months. Monthly-profit accounts (often called Mahana or Munafa accounts) and most certificates pay every month. Some term deposits pay only at maturity.
Are the rates in this calculator fixed?
No. Banks and CDNS change rates after State Bank policy decisions. We show the source date for every rate and update the calculator when rates change.
This calculator is for information only and is not financial or tax advice. Confirm the current rate with your bank or CDNS before investing. Sources: State Bank of Pakistan, FBR withholding tax card, CDNS (21 Oct 2026), Meezan Bank historical profit rates, Bank Alfalah, JS Bank, Soneri Bank and NBP rate sheets.