Government introduces new bank deposit profit rules for small savers

KARACHI: A major decision has been made regarding the profit rules on bank deposits, customers with an average balance of up to Rs 1 crore will get a minimum profit.

According to the details, the State Bank of Pakistan has announced major changes in the minimum profit rules on deposits of domestic banks and officially launched a new digital platform ‘Invest Pak’ to facilitate investment.

These new instructions issued by the central bank will come into effect across the country from August 1, 2026.

The State Bank’s announcement said that the main objective of the new policy is to increase the number of retail and corporate investors in the market and provide them with better returns on their capital.

Clarifying the profit rules, the central bank said that the minimum profit requirement on deposits in banks will now apply only to individual accounts, individual customers with an average monthly balance of up to Rs 1 crore in banks will be entitled to this minimum profit.

The profit rules for corporate or institutional investors have been relaxed, and they will now be able to invest directly in government securities.

The ‘InvestPak’ platform has been introduced to increase the access of the public and companies to government securities (T-bills and investment bonds).

Through this platform, both retail and corporate investors will be able to invest in government securities in a very easy and secure manner.

The State Bank has clarified that apart from these amendments, all other existing old guidelines and rules for the banking sector will remain in force.