If you keep Rs 1 lakh in a Meezan Bank savings account, you earned about Rs 566 in profit for October 2026, before tax. That works out to Rs 453 after tax for a filer and Rs 340 for a non-filer. Meezan declared a savings rate of 6.79% a year for October on balances up to Rs 1 crore. Its certificates pay more: up to 10.12% on the 1.5-year COII and the senior Aamdan Certificate.
Last updated: 11 November 2026 by Ahmed. Rates are from Meezan Bank’s declared profit rate sheet for the month ended 31 October 2026.
Compare Meezan with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
Meezan Bank Profit Rates (October 2026)
Meezan is an Islamic bank. It declares profit after each month ends, based on what its deposit pool actually earned. The rates below are for October 2026 and were published in early November. The November rate will be declared in the first days of December.
| Meezan account | Balance tier | Profit paid | October 2026 rate |
|---|---|---|---|
| Rupee Saving Account (individuals) | Up to Rs 1 crore | Monthly | 6.79% |
| Rupee Saving Account (individuals) | Above Rs 1 crore | Monthly | 6.00% to 6.74% |
| Meezan Bachat Account (individuals) | Up to Rs 1 crore | Monthly | 6.79% |
| Meezan Senior Citizen Account | Up to Rs 1 crore | Monthly | 6.79% |
| Labbaik Saving Aasaan | Up to Rs 1 crore | Monthly | 6.79% |
| Meezan Roshan Digital Account (PKR) | Up to Rs 1 crore | Monthly | 6.79% |
| Meezan Roshan Digital Account (USD) | – | Monthly | 2.00% |
Rates are per year. Meezan’s sheet uses “Upto 10 M” (Rs 1 crore) as the main individual tier.
Meezan Bank Profit Rates on 1 Lac to 1 Crore (Savings Account)
At the October 2026 rate of 6.79%, here is what common amounts earned in one month:
| Amount | Monthly profit (before tax) | Filer (after 20% tax) | Non-filer (after 40% tax) | Yearly profit (before tax) |
|---|---|---|---|---|
| Rs 1 lakh | Rs 566 | Rs 453 | Rs 340 | Rs 6,790 |
| Rs 2 lakh | Rs 1,132 | Rs 905 | Rs 679 | Rs 13,580 |
| Rs 5 lakh | Rs 2,829 | Rs 2,263 | Rs 1,697 | Rs 33,950 |
| Rs 10 lakh | Rs 5,658 | Rs 4,527 | Rs 3,395 | Rs 67,900 |
| Rs 20 lakh | Rs 11,317 | Rs 9,053 | Rs 6,790 | Rs 1,35,800 |
| Rs 25 lakh | Rs 14,146 | Rs 11,317 | Rs 8,488 | Rs 1,69,750 |
| Rs 50 lakh | Rs 28,292 | Rs 22,633 | Rs 16,975 | Rs 3,39,500 |
| Rs 1 crore | Rs 56,583 | Rs 45,267 | Rs 33,950 | Rs 6,79,000 |
Monthly profit = amount × yearly rate ÷ 12. Meezan pays on your average balance for the month, so your actual credit may be slightly different. Because the rate changes every month, next month’s profit on the same balance can go up or down.
Meezan Certificate Rates: COII and Aamdan Certificate
If you can lock your money for a fixed term, Meezan’s certificates pay noticeably more than its savings account.
| Certificate | Profit paid | October 2026 | September 2026 |
|---|---|---|---|
| Monthly Mudarabah Certificate (1 month) | At maturity | 7.12% | 7.12% |
| COII 3 months | At maturity | 7.12% | 7.12% |
| COII 6 months | At maturity | 7.12% | 7.12% |
| COII 1 year | Monthly | 9.18% | 9.18% |
| COII 1 year | At maturity | 9.55% | 9.56% |
| COII 1 year (senior citizens) | Monthly | 9.55% | 9.56% |
| COII 1.5 years | Monthly | 10.12% | 10.12% |
| Meezan Aamdan Certificate (5.5 or 7 years) | Monthly | 9.18% | 9.18% |
| Meezan Aamdan Certificate, senior (5.5 or 7 years) | Monthly | 10.12% | 10.12% |
COII = Certificate of Islamic Investment. Minimum investment is Rs 50,000. According to Meezan’s rate sheet, COII 2, 3 and 5 years are discontinued for new bookings and roll-overs. Existing holders still receive the declared rate.
Monthly Profit on Meezan Certificates
| Amount | COII 1 year / Aamdan (9.18%) | Senior Aamdan / COII 1.5 years (10.12%) | Filer after tax (9.18%) | Filer after tax (10.12%) |
|---|---|---|---|---|
| Rs 1 lakh | Rs 765 | Rs 843 | Rs 612 | Rs 675 |
| Rs 5 lakh | Rs 3,825 | Rs 4,217 | Rs 3,060 | Rs 3,373 |
| Rs 10 lakh | Rs 7,650 | Rs 8,433 | Rs 6,120 | Rs 6,747 |
| Rs 25 lakh | Rs 19,125 | Rs 21,083 | Rs 15,300 | Rs 16,867 |
| Rs 50 lakh | Rs 38,250 | Rs 42,167 | Rs 30,600 | Rs 33,733 |
| Rs 1 crore | Rs 76,500 | Rs 84,333 | Rs 61,200 | Rs 67,467 |
Certificate rates are also declared monthly, so the profit can change during the term even though the term itself is fixed.
Meezan Bank Profit Rate History 2026
The Meezan savings rate has moved between 6.33% and 7.04% this year. Certificate rates jumped sharply in May 2026, after the State Bank raised the policy rate.
| Month (2026) | Saving Account (up to Rs 1 crore) | Aamdan Certificate | Aamdan Certificate (senior) |
|---|---|---|---|
| January | 6.75% | 6.97% | 7.98% |
| February | 6.34% | – | – |
| March | 6.33% | – | – |
| April | 6.70% | 6.96% | 7.97% |
| May | 6.79% | 9.09% | 10.00% |
| June | 6.58% | – | – |
| July | 7.04% | 9.01% | 10.05% |
| August | 6.74% | 8.89% | 10.00% |
| September | 6.63% | 9.18% | 10.12% |
| October | 6.79% | 9.18% | 10.12% |
We will add November’s rate as soon as Meezan declares it in early December.
Why Does Meezan Pay Less Than HBL, UBL or NBP?
From 1 November 2026, conventional banks must pay individuals at least 10.5% a year on savings up to Rs 1 crore. This minimum is linked to the SBP policy rate (now 12%).
This rule does not apply to Islamic banks like Meezan. Islamic banks work on a profit-sharing (Mudarabah) basis. Instead of promising a fixed rate, they share what their deposit pool earned that month, using weightages set by the bank. That is why Meezan’s rate:
- is lower than the conventional minimum right now,
- is only known after the month ends, and
- changes every month.
For many savers, the choice is a Shariah-compliant account in exchange for lower monthly profit. If you want a halal option that pays more, see the comparison below. Learn more about how Islamic banks in Pakistan work.
Meezan vs Conventional Banks vs National Savings (Rs 10 Lakh)
| Where you keep Rs 10 lakh | Yearly rate | Monthly profit (before tax) | Shariah-compliant? |
|---|---|---|---|
| Meezan Saving Account | 6.79% | Rs 5,658 | Yes |
| Meezan Aamdan Certificate | 9.18% | Rs 7,650 | Yes |
| Meezan COII 1.5 years | 10.12% | Rs 8,433 | Yes |
| Conventional bank savings (HBL, UBL, NBP, MCB) | 10.50% | Rs 8,750 | No |
| Sarwa Islamic Savings Account (National Savings) | 11.84% | About Rs 9,867 | Yes |
| Regular Income Certificate (National Savings) | 12.12% | Rs 10,100 | No |
| Behbood Savings Certificate (eligible investors) | 12.96% | Rs 10,800 | No |
National Savings rates effective 21 October 2026. Tax is deducted from all of these.
If you want a halal option with a higher return than Meezan, the government’s Sarwa Islamic Savings Account currently pays more. See all National Savings schemes for details.
Tax on Meezan Bank Profit
Meezan deducts withholding tax before crediting your profit. Under FBR’s current rate card for 2026-27, the rate is 20% for filers (on the Active Taxpayers List) and 40% for non-filers.
On Rs 10 lakh in a Meezan savings account, a filer keeps about Rs 4,527 a month and a non-filer about Rs 3,395, a difference of over Rs 13,000 a year. Read how to become a filer in Pakistan if you are not on the list yet.
When Will Meezan Declare the November 2026 Rate?
Meezan publishes each month’s rate in the first few days of the following month. The November 2026 rate is expected in early December 2026. We update this page as soon as the new sheet is out.
How to Check Your Meezan Profit Rate
- Go to meezanbank.com and open the Profit Rates or Historical Profit Rates page.
- Download the latest monthly sheet or the 2026 historical sheet.
- Find your account by its exact name (for example Rupee Saving Account, Bachat Account or COII 1 Year).
- Pick the right tier based on your average balance (up to Rs 1 crore or above).
- Open the Meezan app or your statement and compare the profit credited for that month.
- If the amount does not match, call Meezan’s helpline on 111-331-331.
Which Meezan Account Should You Choose?
- Daily savings you may need any time: Rupee Saving Account or Bachat Account (6.79%, monthly profit).
- Monthly income for 1 year: COII 1 year with monthly profit (9.18%).
- Highest Meezan rate for most people: COII 1.5 years (10.12%).
- Senior citizens: Senior Aamdan Certificate (10.12%) or COII 1 year senior (9.55%).
- Long-term monthly income: Meezan Aamdan Certificate (9.18%, 5.5 or 7 years).
Before you lock money into a certificate, ask the branch about early encashment rules, since breaking a certificate early usually reduces your profit.
Common Mistakes
- Comparing Meezan’s rate with a conventional bank’s rate for the same month. Meezan’s rate is declared after the month ends, and the 10.5% minimum does not apply to it.
- Assuming the certificate rate is fixed. COII and Aamdan rates are also declared monthly and can change.
- Keeping large amounts in the savings account. Above Rs 1 crore, Meezan pays a lower tier rate.
- Ignoring tax. A non-filer loses 40% of the profit.
Meezan Bank Profit Rates: FAQs
What is the Meezan Bank profit rate in November 2026?
The latest declared rate is 6.79% a year on the Rupee Saving Account for October 2026, published in early November. The rate for November will be declared in early December 2026.
What is the Meezan Bank profit rate on 1 lac per month?
About Rs 566 a month before tax at the October 2026 rate of 6.79%. A filer keeps about Rs 453 after 20% tax and a non-filer about Rs 340.
How much profit on Rs 10 lakh in Meezan Bank?
About Rs 5,658 a month in the savings account at 6.79%, or Rs 7,650 a month in the 1-year COII or Aamdan Certificate at 9.18%, before tax.
Which Meezan account gives the highest profit?
For most savers, the COII 1.5 years and the senior Aamdan Certificate, both at 10.12% for October 2026.
Why is Meezan Bank’s profit rate lower than other banks?
Meezan is an Islamic bank. It shares the profit its deposit pool earns each month instead of paying the State Bank’s 10.5% minimum, which applies only to conventional banks.
What is the minimum amount for a Meezan COII?
Rs 50,000, according to Meezan’s rate sheet.
Meezan Bank mein 1 lakh par kitna munafa milta hai?
October 2026 ke rate (6.79% salana) par Rs 1 lakh par taqreeban Rs 566 mahana munafa milta hai. Filer ko tax ke baad Rs 453 aur non-filer ko Rs 340 milte hain.
Meezan Bank mein 10 lakh par mahana kitna profit milta hai?
Saving account mein taqreeban Rs 5,658 mahana (tax se pehle). Agar 1 saal ka COII ya Aamdan Certificate lein to 9.18% par Rs 7,650 mahana milta hai.
Meezan Bank ka profit rate har mahine kyun badalta hai?
Meezan Islamic bank hai. Yeh pehle se fix rate nahi deta, balkay har mahine ke end par jo pool ne kamaya us hisaab se munafa declare karta hai. Is liye rate har mahine thora upar neeche hota hai.
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 Meezan Bank before you invest.
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