Islamabad: The State Bank of Pakistan (SBP) has revised its minimum profit rate policy for bank deposits, limiting the mandatory profit rate to individual account holders with monthly average balances of up to Rs. 10 million.
Under the revised policy, the minimum profit rate requirement will apply only to natural persons (individual account holders) maintaining average monthly deposits of up to Rs. 10 million. Institutional investors and individuals holding deposits above this threshold will no longer be covered by the policy.
The decision comes after the launch of InvestPak, the SBP’s digital investment platform that enables both retail and institutional investors to invest directly in government securities.
According to the central bank, InvestPak offers a secure and convenient way for investors to purchase government-backed investment instruments and potentially earn higher returns compared to traditional bank deposits.
The SBP said the revised deposit profit policy is intended to encourage institutional and large-scale investors to invest directly in government securities, while also broadening the country’s investor base and expanding investment opportunities.
The updated minimum profit rate rule will come into effect on August 1, 2026. The central bank clarified that all other regulations governing deposit profit rates will remain unchanged.
