Bank Makramah Profit Rates November 2026: Savings 10.50%, Mahana Amadan 11.60% and Every Term Deposit in Pakistan (Full List)
Bank Makramah profit rates from 1 November 2026: savings 10.50%, 1-year term deposit 11.50%, Mahana Amadan 11.60%, but 2 to 5 years only 8.25%. Full list.
Bank Makramah pays 10.50% a year on its PLS and other savings accounts from 1 November 2026, and up to 11.50% on a 1-year term deposit paid at maturity. Its Mahana Amadan monthly scheme pays individuals 11.60% for 1 year. These rates run from 1 November to 31 December 2026, from the bank's own rate sheet.
We read the "Indicative Rate of Profit Sheet (Conventional)" that Bank Makramah posted on its website for the period 1 November to 31 December 2026. It lists 14 products. The most useful finding is a trap: deposits of 2 to 5 years pay only 8.25%, far less than the 1-year rate. Below is every rate, a worked example, and what to check before you lock in money.
Bank Makramah savings accounts pay 10.50% from 1 November 2026
Every rupee savings account on the sheet pays 10.50% a year. That is the same 10.50% that many other banks moved their savings accounts to from 1 November, covered in the savings rate rise to 10.5%. The sheet says the new savings rates apply from 1 November 2026.
| Account | Rate a year | How profit is paid |
|---|---|---|
| PLS Saving Account | 10.50% | Every six months, on average monthly balance |
| BML Saving Profitable Account | 10.50% | Monthly, on daily balance |
| BML Saving Profitable (Hoor Saving) | 10.50% | Monthly |
| Short Notice Deposit, 7 to 29 days | 10.50% | As agreed |
| Senior Citizen Account, up to Rs 1 million | 10.50% | Monthly, on daily balance |
| Senior Citizen Account, above Rs 1 million | 10.55% | Monthly, on daily balance |
| Children Savings Account (Young Bee) | 10.50% | Every six months |
| BML Daily Stock and Smart Stock Accounts | 10.50% | Monthly, on daily balance |
| BML Asaan Account | 10.50% | Every six months, on average balance |
| Non Resident Pakistani Account | 10.50% | Monthly, on average monthly balance |
The Saving Profitable Account needs a minimum balance of Rs 25,000, and the sheet says all facilities on it are charged. The senior citizen rate is only 0.05% higher above Rs 1 million. Other banks' senior citizen rates are compared in senior citizen savings rates.
A 1-year term deposit pays up to 11.50%, but 2 to 5 years pay 8.25%
The best term deposit rate on the sheet is 11.50% for 1 year with profit paid at maturity. Taking profit monthly on the same deposit lowers it to 11.00%. Every tenor from 2 to 5 years pays 8.25%, whatever the payout. The minimum for a regular term deposit is Rs 50,000.
| Tenor | At maturity | Monthly | Quarterly | Six monthly |
|---|---|---|---|---|
| 1 month | 10.75% | - | - | - |
| 3 months | 10.90% | 10.80% | - | - |
| 6 months | 11.00% | 10.70% | 10.90% | - |
| 1 year | 11.50% | 11.00% | 11.10% | 11.20% |
| 2 years | 8.25% | 8.25% | 8.25% | 8.25% |
| 3 years | 8.25% | 8.25% | 8.25% | 8.25% |
| 4 years | 8.25% | 8.25% | 8.25% | 8.25% |
| 5 years | 8.25% | 8.25% | 8.25% | 8.25% |
So a saver who picks 3 years "to be safe" gets 3.25% less a year than the 1-year deposit. On Rs 1 million, that is Rs 32,500 a year before tax. Rolling over a 1-year deposit each year gives you the chance to take a better rate if rates change. Rates at other banks are in fixed deposit rates for November 2026.
Mahana Amadan pays individuals 11.60% a year, paid monthly
Mahana Amadan is Bank Makramah's monthly income scheme. The minimum deposit is Rs 50,000. Individuals get 1% more than companies and financial institutions on 3 month to 1 year terms.
| Mahana Amadan term | Individual | Corporate | Financial institutions |
|---|---|---|---|
| 3 months | 11.15% | 10.15% | 10.15% |
| 6 months | 10.95% | 9.95% | 9.95% |
| 1 year | 11.60% | 10.60% | 10.60% |
| 2 years | 8.50% | 8.50% | 8.50% |
| 3 years | 8.50% | 8.50% | 8.50% |
The BML Advantage Account pays 10.95% for 1 year with monthly profit, for deposits from Rs 100,000 to Rs 10 million. Dollar, euro and pound deposits earn 0.50%. Dollar rates at other banks are in dollar account profit rates.
What Rs 1 million earns at Bank Makramah, worked out
These are our own sums at the sheet's rates, before tax and Zakat. Real profit can differ because rates are "indicative and subject to change", and savings profit depends on your balance each day or month.
- Savings account at 10.50%: about Rs 105,000 a year, or about Rs 8,750 a month.
- 1-year term deposit at maturity, 11.50%: Rs 115,000 at the end of the year.
- Mahana Amadan 1 year, individual, 11.60%: about Rs 9,667 a month, Rs 116,000 a year.
- 3-year term deposit at 8.25%: Rs 82,500 a year, Rs 33,500 less than Mahana Amadan.
Tax is deducted from bank profit at source. The certificate that shows it is explained in getting a withholding tax certificate.
Breaking a deposit early cuts the rate by 2%
The sheet says early encashment of a term deposit reduces the rate of return by 200 basis points, which is 2.00%. If you think you may need the money within the year, a 10.50% savings account or a shorter term is safer. How other banks cut profit is in breaking a fixed deposit early.
- Balances of Rs 5 million and more can ask for a special rate.
- Term deposit rates apply at once to new deposits; savings rates apply from 1 November 2026.
- Zakat and income tax apply as per government rules, the sheet says.
Common questions
What is the Bank Makramah savings account profit rate in November 2026?
10.50% a year on the PLS Saving Account and the other rupee savings accounts, from 1 November 2026.
Which Bank Makramah deposit pays the most?
Mahana Amadan for 1 year, at 11.60% for individuals, then the 1-year term deposit at 11.50% paid at maturity.
Why do Bank Makramah 3 and 5 year deposits pay less?
The sheet sets every 2 to 5 year term deposit at 8.25% and gives no reason. Longer terms pay less than 1 year on this sheet.
What is the minimum for a Bank Makramah term deposit?
Rs 50,000 for a regular term deposit, and Rs 50,000 for Mahana Amadan.
How long are these Bank Makramah rates valid?
The sheet covers 1 November to 31 December 2026, and says the rates are indicative and can change.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 10 November 2026. We read the Bank Makramah Indicative Rate of Profit Sheet (Conventional), 1 November to 31 December 2026, linked from the Bank Makramah website. The worked examples are our own arithmetic. Bank Makramah's Islamic accounts use a separate profit pool and are not covered here.
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.
