Bank AL Habib Profit Rates November 2026: Savings 10.50%, Salana Munafa 11.00% and Every Term Deposit in Pakistan (Full List)
Bank AL Habib profit rates from 1 November 2026: savings 10.50% up to Rs 10 million, Salana Munafa 11.00%, Mahana Munafa 10.75%, fixed deposits 9% to 10%.
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Bank AL Habib pays 10.50% a year on every rupee savings account from 1 November 2026, for a monthly average balance up to Rs 10 million, and 9.50% above that. The best term deposit is the AL Habib Salana Munafa Account at 11.00% a year, followed by the one year Mahana Munafa at 10.75% with monthly profit. A one year fixed term deposit pays 10.00%.
We read Bank AL Habib's own deposit rate sheet, titled "Profit Rates on Deposits, Effective from Nov 01, 2026", on 9 November 2026. It is linked from the bank's deposit rates and schedule of charges pages. The savings rates on it start on 1 November. The fixed deposit rates have applied since 11 August 2026, except the Zamanat Account, which changed on 1 November. All rates are yearly, before tax and zakat.
Bank AL Habib savings accounts pay 10.50% from 1 November 2026
All 20 rupee savings accounts on the sheet pay the same rate: 10.50% a year if your monthly average balance is Rs 10 million or less, and 9.50% if it is above Rs 10 million. Profit is worked out on the monthly average balance, so a large withdrawal late in the month still lowers it.
| Bank AL Habib savings account | Balance up to Rs 10 million | Balance above Rs 10 million |
|---|---|---|
| AL Habib PLS Savings Account | 10.50% | 9.50% |
| Monthly Profit Plan Account | 10.50% | 9.50% |
| AL Habib Enhanced Savings and Monthly Saver | 10.50% | 9.50% |
| AL Habib Senior Citizens' and Pensioner's Savings | 10.50% | 9.50% |
| AL Habib Woman and Woman Digital Savings | 10.50% | 9.50% |
| AL Habib Asaan and Asaan Digital Savings | 10.50% | 9.50% |
| AL Habib Freelancer and Remit Savings | 10.50% | 9.50% |
| AL Habib Digital and Roshan Digital Savings | 10.50% | 9.50% |
| AL Habib Young Savers Account | 10.50% | 9.50% |
The rate sheet says the 10.50% follows the State Bank's minimum deposit rate rule, set in BPRD circular letter 15 of 6 July 2026. That rule protects individuals with a monthly average balance of up to Rs 10 million, which is why bigger balances earn less. Several other banks moved to the same 10.50% this month, as our November savings rate report shows.
Bank AL Habib Salana Munafa pays 11.00%, the top term deposit rate
The AL Habib Salana Munafa Account pays 11.00% a year with profit at the end of the year. The Zamanat Account pays 10.50% from 1 November. The Mahana Munafa Account pays monthly profit, from 10.75% for one year down to 9.50% for four or five years.
| Term deposit scheme | Tenor | Profit rate a year |
|---|---|---|
| AL Habib Salana Munafa Account | As offered | 11.00% |
| AL Habib Zamanat Account, from 1 November 2026 | As offered | 10.50% |
| AL Habib Mahana Munafa Account | 1 year | 10.75% |
| AL Habib Mahana Munafa Account | 2 years | 9.75% |
| AL Habib Mahana Munafa Account | 3 years | 9.75% |
| AL Habib Mahana Munafa Account | 4 years | 9.50% |
| AL Habib Mahana Munafa Account | 5 years | 9.50% |
| AL Habib Special Saver Certificate | Years 1, 2 and 3 | 9.00% each year |
| AL Habib Treasures Call Account Remunerative | Call deposit | 9.50% |
| Special Notice Term Deposit | 7 days or 30 days | 9.00% |
Locking money for longer earns less here, not more. The one year Mahana Munafa beats the five year one by 1.25 points. That pattern usually means a bank expects rates to fall, so a long lock can leave you stuck at a lower rate if they rise instead.
Bank AL Habib fixed term deposits pay 9.00% to 10.00%
Plain fixed term deposits pay 9.00% for one, three or six months, 10.00% for one year, 9.50% for two or three years and 9.25% for four or five years. The rate you get is the rate on the day you book the deposit, and it stays for the full term.
| Fixed term deposit tenor | Profit rate a year |
|---|---|
| 1 month | 9.00% |
| 3 months | 9.00% |
| 6 months | 9.00% |
| 1 year | 10.00% |
| 2 years | 9.50% |
| 3 years | 9.50% |
| 4 years | 9.25% |
| 5 years | 9.25% |
A short fixed deposit at 9.00% pays less than an ordinary savings account at 10.50%, and the savings account lets you withdraw any day. So for balances under Rs 10 million, a fixed deposit of under a year makes little sense at these rates. To compare with other banks, see our fixed deposit rates list for November 2026.
What Rs 1 million earns at Bank AL Habib
At 10.50% in a savings account, Rs 1 million earns about Rs 8,750 a month before tax. The Salana Munafa at 11.00% pays about Rs 110,000 after one year. The one year Mahana Munafa at 10.75% pays about Rs 8,958 a month.
| Where Rs 1 million sits | Rate | Profit before tax |
|---|---|---|
| Any savings account, balance under Rs 10 million | 10.50% | About Rs 8,750 a month |
| Mahana Munafa, 1 year | 10.75% | About Rs 8,958 a month |
| Salana Munafa | 11.00% | About Rs 110,000 at the end of the year |
| Fixed term deposit, 1 year | 10.00% | About Rs 100,000 for the year |
| Fixed term deposit, 3 months | 9.00% | About Rs 22,500 for 3 months |
These are our own sums on simple yearly rates, which is how the sheet says profit is worked out. Withholding tax and zakat are taken from the profit, so the amount you receive is lower. Breaking a term deposit early usually cuts the rate, as our guide to breaking a fixed deposit early explains. Ask the branch for Bank AL Habib's own early break rule before you book.
Bank AL Habib dollar accounts pay 1.00% to 3.00%
The dollar savings account pays 1.00%. The Foreign Currency Saver pays 1.00% to 1.50% by balance. The AL Habib Roshan Digital dollar account pays 1.00% below USD 5,000, rising to 3.00% at USD 100,000 and above. Dollar fixed deposits pay 1.50% for any tenor from 7 days to 12 months.
| Dollar account or deposit | USD rate a year |
|---|---|
| Foreign Currency Saving Account | 1.00% |
| Foreign Currency Saver, below USD 5,000 | 1.00% |
| Foreign Currency Saver, USD 100,000 and above | 1.50% |
| Roshan Digital FCY, below USD 5,000 | 1.00% |
| Roshan Digital FCY, USD 25,000 to 99,999 | 1.50% |
| Roshan Digital FCY, USD 100,000 and above | 3.00% |
| FCY fixed deposit, 7 days to 12 months | 1.50% |
Pound and euro rates are lower, mostly 0.50% to 1.00%. For other banks' Roshan Digital rates, see our Roshan Digital Account rates list.
How to open a Bank AL Habib term deposit
You need a Bank AL Habib account first. Then book the deposit at your branch, and keep the receipt, because the rate is fixed on that day.
- Open or use your Bank AL Habib current or savings account.
- Choose the scheme: Salana Munafa for yearly profit, Mahana Munafa for monthly profit, or a fixed term deposit.
- Ask the branch for the rate on the day of booking and the early break rule, in writing.
- Fund the deposit from your account and collect the deposit receipt.
- Check the first profit credit against the rate on your receipt.
Common questions
What is the Bank AL Habib savings account profit rate in November 2026?
10.50% a year for a monthly average balance up to Rs 10 million, and 9.50% above Rs 10 million, from 1 November 2026. It is the same on every rupee savings account on the sheet.
Which Bank AL Habib deposit pays the most?
The AL Habib Salana Munafa Account, at 11.00% a year. The one year Mahana Munafa pays 10.75% with monthly profit.
What is the Bank AL Habib 1 year fixed deposit rate?
10.00% a year for a plain one year fixed term deposit. Shorter tenors of one, three and six months pay 9.00%.
How much profit does Rs 10 lakh earn at Bank AL Habib each month?
About Rs 8,750 a month before tax in a savings account at 10.50%, or about Rs 8,958 in the one year Mahana Munafa at 10.75%.
Does the senior citizens' account pay more at Bank AL Habib?
Not on this sheet. The AL Habib Senior Citizens' Account pays 10.50%, the same as the other savings accounts. For banks that pay seniors more, see our senior citizen savings rates list.
What does the Bank AL Habib Roshan Digital Account pay?
The rupee Roshan Digital savings account pays 10.50%. The dollar account pays 1.00% below USD 5,000 and up to 3.00% at USD 100,000 or more.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read Bank AL Habib's Profit Rates on Deposits, effective from 1 November 2026 on 9 November 2026, linked from the bank's information pages. The profit examples are our arithmetic on the simple yearly rates. For the bank's fees, see the Bank AL Habib schedule of charges.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
