Looking for the most accurate and updated Apna Bank profit rates in Pakistan for 2025? Apna Microfinance Bank offers a wide range of saving schemes and fixed deposit products with competitive monthly and annual returns.
Apna Bank PLS and Savings Account Rates
| Account Type | Annual Profit Rate |
|---|---|
| Current Account | 0% |
| PLS Savings Account | 3.00% |
These accounts are ideal for general savings with basic returns.
Apna Bank Term Deposit Profit Rates (Individuals)
Minimum Investment: PKR 25,000
Options include profit at maturity or monthly profit payout.
| Tenure | Profit at Maturity | Monthly Profit Rate |
|---|---|---|
| 1 Month | 10.50% | 10.50% |
| 3 Months | 10.25% | 9.80% |
| 6 Months | 10.00% | 9.60% |
| 1 Year | 9.00% | 8.65% |
| 2 Years | 8.00% | 7.75% |
| 3 Years | 7.50% | 7.25% |
| 4 Years | 7.25% | 7.05% |
| 5 Years | 7.00% | 6.80% |
These rates are suitable for individuals looking for secure fixed income over time.
Read More: Halan Microfinance Bank Secures Rs.1.4 Billion Investment for Expansion
Apna Mustaqil Sarmaya (For Seniors, Widows, and Pensioners)
Special scheme for citizens above 55 years or qualifying individuals.
| Tenure | Profit at Maturity | Monthly Profit Rate |
|---|---|---|
| 1 Year | 10.00% | 9.60% |
| 2 Years | 9.00% | 8.65% |
| 3 Years | 8.50% | 8.20% |
| 4 Years | 8.25% | 7.95% |
| 5 Years | 8.00% | 7.75% |
This is a good option for retirees seeking stable monthly income.
Apna Pink Term Deposit (Women Only)
A dedicated scheme offering enhanced rates for female customers.
| Tenure | Profit at Maturity | Monthly Profit Rate |
|---|---|---|
| 1 Month | 10.50% | 10.50% |
| 3 Months | 10.50% | 10.05% |
| 6 Months | 10.25% | 9.80% |
| 1 Year | 9.50% | 9.10% |
| 2–5 Years | 7.25%–8.25% | 7.05%–7.95% |
Ideal for women seeking short- and long-term secure investments.
Institutional Term Deposit Rates
For businesses or organizations depositing large amounts.
| Deposit Size | Tenure | Profit at Maturity | Monthly Profit |
|---|---|---|---|
| Up to PKR 50 million | 6 Months | 6.75% | 6.55% |
| 1 Year | 6.25% | 6.10% | |
| Over PKR 50 million | 6 Months | 7.25% | 7.05% |
| 1 Year | 6.75% | 6.55% |
These rates are tailored for corporate or high-value institutional investors.
Apna Daily Savings Account (Slab-Based Profit)
Profit is calculated daily and paid quarterly.
- Individual Customers: 4.00% to 5.75%
- Institutional Customers: 3.50% to 5.50%
Returns increase based on deposit balance slabs.
Financial Performance and Safety of Apna Bank
- Listed on the Pakistan Stock Exchange (PSX) under ticker AMBL
- Latest share price (as of June 2025): Approximately PKR 10.89
- Credit Rating by PACRA (July 2024):
- Long-Term: BBB-
- Short-Term: A4
- Outlook: Negative
- FY 2023: Reported loss of PKR 3.59 billion
- Sponsor-backed recovery plan in place to stabilize operations
Apna Bank continues to provide service despite financial challenges, backed by strategic capital support.
Read More: SBP Updates Capital Rule for Microfinance Banks
Frequently Asked Questions
What is the highest profit rate at Apna Bank?
Up to 10.50% on 1-month term deposits for both individual and female depositors.
Which savings plan is best for senior citizens?
The Apna Mustaqil Sarmaya account offers up to 10.00% profit for 1-year tenure.
Are there better rates for women?
Yes. The Apna Pink Term Deposit offers exclusive high returns for female account holders.
How are profits paid?
Customers can choose between monthly payouts or receiving profit at maturity.
Conclusion
Apna Microfinance Bank offers a competitive range of profit rates for 2025, catering to all customer segments including individual savers, women, senior citizens, and institutions. Whether you’re looking for a short-term return or long-term savings, Apna Bank provides flexible and reliable investment options. Always review the latest profit sheets or visit a branch to confirm applicable terms before investing. Stay tuned with Bloom Pakistan
