NBP profit rates on savings accounts are at least 10.5% a year from 1 November 2026, so Rs 1 lakh in a National Bank of Pakistan PLS Savings Account earns about Rs 875 a month before tax (Rs 700 for a filer). NBP’s term deposits and certificates pay between 8% and 11.70% on its latest published sheet.
Last updated: 4 November 2026 by Ahmed. Rates checked on official bank, CDNS and State Bank sources on 3 to 4 November 2026.
Compare NBP with other banks in our guide to bank profit rates in Pakistan, or try any amount in the Bank Profit Calculator.
NBP Profit Rates on Savings Accounts
NBP’s latest published sheet (effective 1 August 2026) shows 10.00% on its main savings accounts. That was the State Bank minimum at the time. The State Bank raised its policy rate to 12% on 27 October 2026, so the minimum for individual savings up to Rs 1 crore became 10.5% from 1 November 2026. NBP’s savings accounts covered by the rule must pay at least that.
| NBP account | Rate on Aug 2026 sheet | Minimum from 1 Nov 2026 | Profit paid |
|---|---|---|---|
| PLS Savings Account | 10.00% | 10.50% | Every 6 months |
| NBP Asaan Savings Account | 10.00% | 10.50% | Every 6 months |
| NBP Premium Saver | 10.00% | 10.50% | Every 6 months |
| NIDA | 10.00% | 10.50% | Every 6 months |
| Foree Remittance Account | 10.00% | 10.50% | Every 6 months |
| NBP Izafi Munafa (under Rs 10 lakh) | 10.00% | 10.50% | Monthly |
| NBP Izafi Munafa (Rs 10 lakh to Rs 5 crore) | 10.05% | At least 10.50% up to Rs 1 crore | Monthly |
NBP Profit on 1 Lakh per Month
| Amount | Monthly profit at 10.5% (before tax) | Filer (20% tax) | Non-filer (40% tax) |
|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 525 |
| Rs 2 lakh | Rs 1,750 | Rs 1,400 | Rs 1,050 |
| 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 |
NBP Profit Rates on Term Deposits and Certificates
| NBP product and term | Rate (Aug 2026 sheet) | Profit paid | Monthly profit on Rs 1 lakh (before tax) |
|---|---|---|---|
| PLS Term Deposit, 3 months | 8.00% | Every 6 months | Rs 667 |
| PLS Term Deposit, 6 months | 8.00% | Every 6 months | Rs 667 |
| PLS Term Deposit, 1 year | 8.50% | Every 6 months | Rs 708 |
| PLS Term Deposit, 3 years | 8.65% | Every 6 months | Rs 721 |
| PLS Term Deposit, 5 years | 9.00% | Every 6 months | Rs 750 |
| NBP Premium Aamdani Certificate, 1 year | 9.80% | Monthly | Rs 817 |
| NBP Premium Aamdani Certificate, 5 years | 10.00% | Monthly | Rs 833 |
| NBP Itminan Term Deposit, year 1 | 11.70% | Monthly | Rs 975 |
| NBP Itminan Term Deposit, year 5 | 11.15% | Monthly | Rs 929 |
| NBP Itminan Term Deposit, year 10 | 11.35% | Monthly | Rs 946 |
NBP Profit Rates vs Other Banks and National Savings
| Option | Rate | Monthly profit on Rs 1 lakh (before tax) |
|---|---|---|
| NBP PLS Savings (minimum from Nov 2026) | 10.50% | Rs 875 |
| Bank Alfalah Pehchaan / Kifayat (top tier) | 10.80% | Rs 900 |
| Meezan Bank Rupee Savings (Oct 2026) | 6.79% | Rs 566 |
| Regular Income Certificate (CDNS) | 12.12% | Rs 1,010 |
| Behbood Savings Certificate (eligible only) | 12.96% | Rs 1,080 |
Tax on NBP Profit
NBP deducts withholding tax before paying profit: 20% for filers and 40% for non-filers, under FBR’s current rate card. If you are not on the Active Taxpayers List, see how to become a filer.
Common Mistakes
- Choosing a PLS account when you need monthly income; Izafi Munafa or a monthly certificate fits better.
- Booking a long term deposit at an old rate right after a policy rate rise; check the newest sheet first.
- Comparing NBP’s before-tax rate with an after-tax figure from another option.
- Keeping more than Rs 10 lakh in one bank, above the Deposit Protection limit.
Related guides: Read our guides on conventional banks and banks in Pakistan.
Frequently Asked Questions
What is the NBP profit rate on 1 lakh?
At least 10.5% a year on savings accounts from 1 November 2026, so Rs 1 lakh earns about Rs 875 a month before tax, or Rs 700 after 20% tax for a filer.
Does NBP pay profit monthly?
PLS Savings Accounts pay every six months. NBP Izafi Munafa and NBP’s monthly certificates pay every month.
What is the NBP fixed deposit rate for 1 year?
The PLS Term Deposit for 1 year paid 8.50% on NBP’s sheet effective 1 August 2026. Term deposits are not covered by the minimum rule, so check the latest sheet.
Is NBP better than National Savings?
National Savings pays more right now, for example 12.12% in a Regular Income Certificate, but a bank savings account lets you withdraw at any time.
How much tax does NBP deduct on profit?
20% for filers and 40% for non-filers.
NBP mein 1 lakh par kitna munafa milta hai?
Rs 875 mahana (tax se pehle), kyunke 1 November 2026 se NBP savings accounts par kam az kam 10.5% salana dena zaroori hai. Filer ko 20% tax ke baad Rs 700 aur non-filer ko 40% tax ke baad Rs 525 milte hain.
NBP mein 10 lakh par mahana kitna profit milega?
Rs 8,750 mahana tax se pehle (10.5% salana par). Filer ko Rs 7,000 aur non-filer ko Rs 5,250 milte hain.
NBP fixed deposit 1 saal ka rate kya hai?
8.50% salana, NBP ki 1 August 2026 wali sheet ke mutabiq (PLS Term Deposit, 1 saal). Fixed deposit par minimum rate ka rule laagu nahi hota, is liye NBP ki nayi sheet zaroor check karein.
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 CDNS before you invest.
FAQs (Roman Urdu)
National Bank (NBP) mein 1 lakh par kitna munafa milta hai?
1 November 2026 se kam az kam 10.5% saalana, yani taqreeban Rs 875 mahana tax se pehle (filer ko Rs 700).
NBP ke term deposit ka rate kya hai?
NBP ke term deposits aur certificates taqreeban 8% se 11.70% tak dete hain (latest published sheet).
NBP behtar hai ya National Savings?
Savings account mein sab conventional banks ka minimum 10.5% hai; Qomi Bachat ke kuch schemes thora zyada dete hain.
Related Guides
- HBL profit rates
- Meezan Bank profit rates
- MCB profit rates
- Allied Bank profit rates
- Bank Al Habib profit rates
- HabibMetro profit rates
- JS Bank profit rates
- 10 lakh profit in bank per month
- Bank Profit Calculator for any amount
- Bank profit rates in Pakistan (all banks)
- Fixed deposit rates in Pakistan
- 1 crore profit in bank in Pakistan
- Qomi Bachat profit rate on 1 lakh
- Conventional banks in Pakistan
Sources
- NBP: indicative profit rates (sheet effective 1 August 2026)
- State Bank of Pakistan: policy rate 12%, floor rate 11% (from 27 October 2026)
- FBR: Withholding tax rate card (section 151)
- Pakera: Bank Alfalah and JS Bank rates from 1 November 2026
- Meezan Bank: historical profit rates 2026
- Mettis Global: CDNS profit rates from 21 October 2026