Are you wondering how much monthly profit you can earn on 1 lakh deposit in Pakistan? With changing bank profit rates in 2025, it’s essential to know which banks offer the best returns. This guide covers the latest bank profit rates, monthly earnings, and top-saving options for depositors in Pakistan.
Latest Bank Profit Rates on 1 Lakh Deposit in Pakistan 2025
Here’s a comparison of current profit rates and how much monthly profit you can earn on a ₨100,000 deposit in Pakistan:
| Bank/Product | Annual Profit Rate | Monthly Profit on 1 Lakh |
|---|---|---|
| Faysal Islamic – High Yield Savings | 13.00% | ₨1,083 |
| Al Baraka – Mahana Amadani Term Deposit | 12.25% | ₨1,020 |
| UBL – UniSaver / Mahana Aamdani Account | 10.50% | ₨875 |
| Bank AL Habib – Mahana Munafa | 9.50% | ₨790 |
| HBL – Regular Saving Account | 9.50% | ₨790 |
| Allied Bank – Behtar Munaafa Term Deposit | 9.00% | ₨750 |
| Meezan Bank – Monthly Mudarabah Certificate | 7.64% | ₨637 |
Key Points:
- Islamic Banks (Meezan, Al Baraka, Faysal) offer profit-sharing (PLS/Mudarabah) accounts, not conventional interest.
- Rates are subject to quarterly revisions based on State Bank of Pakistan (SBP) policies.
- Monthly profit is calculated on the effective annual yield and can vary with profit distribution cycles.
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How Much Monthly Profit Will You Earn on 1 Lakh?
- Faysal Bank offers the highest monthly payout of around ₨1,083.
- Al Baraka Bank provides ₨1,020 monthly through its Mahana Amadani Term Deposit.
- UBL and HBL offer around ₨790–875 monthly profit.
- Meezan Bank, Pakistan’s leading Islamic bank, pays approximately ₨637–650 per month.
Factors That Affect Monthly Profit on 1 Lakh in Pakistan
- SBP Monetary Policy: SBP has reduced its policy rate from 22% to 12–13% in 2025, which directly impacts deposit profit rates.
- Deposit Type: Term deposits generally provide higher returns compared to regular savings accounts.
- Bank Performance: Islamic banks are now required to share at least 75% of profits with depositors.
- Tax Deductions: Withholding tax of 15% (for filers) and 30% (for non-filers) applies to bank profits.
Best Banks for Monthly Profit on 1 Lakh in 2025
If your focus is to maximize monthly earnings, these are the top choices:
- Faysal Bank High Yield Savings (13%)
- Al Baraka Mahana Amadani Term Deposit (12.25%)
For those preferring large commercial banks:
- UBL UniSaver Account (10.50%)
- HBL Regular Savings Account (9.50%)
For Sharia-compliant profit-sharing, Meezan Bank is a trusted option.
Tax on Bank Profit in Pakistan 2025
- Filer Tax Rate: 15% withholding tax on profit.
- Non-Filer Tax Rate: 30% withholding tax.
- Certain savings schemes under National Savings (Behbood Certificates) may offer tax exemptions for eligible individuals.
Conclusion
The monthly profit on 1 lakh deposit in Pakistan ranges from ₨624 to ₨1,083 per month in 2025, depending on the bank and deposit product. For the highest returns, Faysal Bank and Al Baraka’s term deposits are the top picks. However, if you seek convenience and reliable banking services, UBL, HBL, and Meezan Bank offer competitive rates. Keep visiting: Bloom Pakistan
It’s advisable to regularly check bank profit rate updates and compare options to ensure you’re earning the best possible return on your savings.
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