Soneri Bank profit rates on savings accounts are 10.50% a year from 1 November 2026 for individuals with balances up to Rs 1 crore, so Rs 1 lakh earns about Rs 875 a month before tax, or Rs 700 for a filer. The Soneri Roshan Savings Account and Youngsters Minor Savings Account pay slightly more at 10.60%. Soneri’s Salana Amdani Account pays 11.00% for one year, and the Monthly Munafa Account pays 10.75% with monthly profit.
Last updated: 11 November 2026 by Ahmed. Rates are from Soneri Bank’s annualised rates of profit for PKR deposits, effective 1 November 2026.
Compare Soneri with other banks in our guide to bank profit rates in Pakistan, or try your own amount in the Bank Profit Calculator.
Soneri Bank Profit Rates on Savings Accounts (November 2026)
| Soneri account | Rate (individuals, up to Rs 1 crore) |
|---|---|
| PLS Savings Account / Pensioner’s Saving Account | 10.50% |
| Soneri Roshan Savings Account | 10.60% |
| Soneri Youngsters Minor Savings Account | 10.60% |
| Soneri Sahara Account (senior citizens) | 10.50% |
| Soneri Savings Account | 10.50% |
| Asaan, Asaan Digital and Asaan Digital Remittance Saving | 10.50% |
| Soneri Freelancer Saving Account | 10.50% |
| Soneri Remit Direct Saving Account | 10.50% |
Yearly rates, Soneri Bank sheet effective 1 November 2026. Individuals with a monthly average balance above Rs 1 crore get 9.50%. Financial institutions, public sector enterprises and public limited companies get 7.50%.
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. Soneri pays a little more, 10.60%, on its Roshan Savings and Youngsters Minor Savings accounts. Above Rs 1 crore, Soneri pays 9.50%, the same as HBL, Allied and Bank Al Habib.
Soneri Bank Profit Rates on 1 Lac and Other Amounts
| Amount | At 10.50% (monthly, before tax) | Filer (after 20% tax) | At 10.60% Roshan Savings (monthly) |
|---|---|---|---|
| Rs 1 lakh | Rs 875 | Rs 700 | Rs 883 |
| Rs 5 lakh | Rs 4,375 | Rs 3,500 | Rs 4,417 |
| Rs 10 lakh | Rs 8,750 | Rs 7,000 | Rs 8,833 |
| Rs 25 lakh | Rs 21,875 | Rs 17,500 | Rs 22,083 |
| Rs 50 lakh | Rs 43,750 | Rs 35,000 | Rs 44,167 |
| Rs 1 crore | Rs 87,500 | Rs 70,000 | Rs 88,333 |
So the Soneri Bank profit rate on 1 lac works out to Rs 875 a month before tax, or Rs 883 in a Roshan Savings Account. A non-filer keeps Rs 525 a month after 40% tax.
Soneri Monthly Munafa and Salana Amdani Accounts
| Product | Tenor | Rate | Monthly profit on Rs 10 lakh |
|---|---|---|---|
| Soneri Salana Amdani Account (profit at maturity) | 1 year | 11.00% | Rs 1,10,000 at year end |
| Soneri Monthly Munafa Account | 1 year | 10.75% | Rs 8,958 |
| Soneri Monthly Munafa Account | 2 years | 9.75% | Rs 8,125 |
| Soneri Monthly Munafa Account | 3 years | 9.50% | Rs 7,917 |
| Soneri Monthly Munafa Account | 4 or 5 years | 9.00% | Rs 7,500 |
| Soneri Ladies First Term Deposit (monthly income) | 1 year | 10.75% | Rs 8,958 |
| Soneri Ladies First Term Deposit | 2 years | 9.75% | Rs 8,125 |
| Soneri Ladies First Term Deposit | 3 years | 9.50% | Rs 7,917 |
Before tax, Soneri Bank sheet effective 1 November 2026.
The Salana Amdani Account at 11.00% is the highest rate on Soneri’s sheet. The 1-year Monthly Munafa Account at 10.75% pays a little more than the savings rate every month and locks the rate for the year.
Soneri Bank Term Deposit Rates (November 2026)
Regular Soneri term deposits need at least Rs 25,000:
| Tenor | Monthly | Quarterly | Every 6 months | Yearly | At maturity |
|---|---|---|---|---|---|
| 1 month | – | – | – | – | 9.00% |
| 3 months | 9.10% | – | – | – | 9.25% |
| 6 months | 9.25% | 9.30% | – | – | 9.50% |
| 1 year | 10.50% | 10.60% | 10.70% | – | 10.75% |
| 2 years | 9.75% | 9.75% | 9.75% | 9.75% | 10.00% |
| 3 years | 9.50% | 9.50% | 9.50% | 9.50% | 9.75% |
Yearly rates, Soneri sheet effective 1 November 2026.
Notice deposits (7 days or 30 days) pay 10.50%. If you break a Soneri term deposit early, the profit rate is cut by 1.5 percentage points.
Soneri Sarmaya Account
The remunerative Soneri Sarmaya Account pays nothing below Rs 10 lakh, then 7.50% (Rs 10 lakh to Rs 24.9 lakh), 8.50% (Rs 25 lakh to Rs 49.9 lakh) and 9.50% (Rs 50 lakh and above). For most people an ordinary Soneri savings account at 10.50% pays more.
Is Soneri Better Than Other Banks?
| Option | Yearly rate | Monthly profit on Rs 10 lakh (before tax) |
|---|---|---|
| HabibMetro Mahana Scheme, 1 year | 11.00% | Rs 9,167 |
| Soneri Monthly Munafa, 1 year | 10.75% | Rs 8,958 |
| Bank Al Habib Mahana Munafa, 1 year | 10.75% | Rs 8,958 |
| Soneri Roshan Savings Account | 10.60% | Rs 8,833 |
| Any conventional bank savings account | 10.50% | Rs 8,750 |
| MCB 1-year term deposit, monthly profit | 7.45% | Rs 6,208 |
Bank rates November 2026 (HabibMetro term rate from its September 2026 sheet).
Soneri is a strong choice for monthly income: its Monthly Munafa (10.75%) matches Bank Al Habib and beats HBL and MCB deposits. HabibMetro’s Mahana Scheme pays slightly more on its last published sheet.
Tax on Soneri Bank Profit
Soneri deducts withholding tax before paying profit: 20% for filers on FBR’s Active Taxpayers List and 40% for non-filers. See how to become a filer.
Common Mistakes
- Choosing the Sarmaya Account for small balances. It pays 0% below Rs 10 lakh.
- Breaking a term deposit early. Soneri cuts the rate by 1.5 points.
- Missing the 10.60% accounts. Roshan Savings and Youngsters Minor Savings pay a little more than other savings accounts.
- Forgetting filer status. A non-filer loses 40% of profit to tax.
Compare more: see National Savings profit rates 2026, the monthly profit on Rs 10 lakh in Pakistani banks, or work out your own amount on the bank profit calculator.
Soneri Bank Profit Rates: FAQs
What is the Soneri Bank profit rate on 1 lac?
Soneri 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. The Roshan Savings Account pays 10.60%, about Rs 883 a month.
What is the Soneri Monthly Munafa Account profit rate?
10.75% for one year, 9.75% for two years, 9.50% for three years and 9.00% for four or five years, with profit every month.
What is the Soneri Salana Amdani Account rate?
11.00% a year for a 1-year deposit, with profit paid at maturity.
What is the Soneri Sahara Account profit rate?
Soneri Sahara, the senior citizens’ account, pays 10.50% a year on the November 2026 sheet.
Soneri Bank mein 1 lakh par kitna munafa milta hai?
Soneri saving account mein Rs 1 lakh par taqreeban Rs 875 mahana munafa milta hai (10.50%). Monthly Munafa Account (1 saal) mein 10.75% par taqreeban Rs 896 mahana milta hai.
This guide is for general information only and is not financial or tax advice. Rates change often, so confirm the latest figures with Soneri Bank before you invest.
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