Bank of Khyber Profit Rates 2026: Savings 10.50% From 1 November, Every Term Deposit and Scheme (Full List)

Bank of Khyber pays 10.50% a year on PLS savings for individuals with up to Rs 10 million, from 1 November 2026, up from 10.00%. Its term deposits pay much less, 5.25% to 6.75%, and its best scheme rate is 8.00% in the fifth year of the senior citizens' Khyber Friendly Deposit. All figures are from the bank's revised rate sheet effective 1 November 2026.

That gap is the main thing to know about BOK's rates right now. For an eligible saver, the plain savings account pays more than any fixed deposit on the sheet. Below is every account and scheme, the change from the May 2026 sheet, the monthly profit on Rs 10 lakh, and how to check your own rate.

Bank of Khyber savings pay 10.50% to eligible individuals

BOK's sheet effective 1 November 2026 pays 10.50% to customers eligible for the minimum deposit rate, meaning natural persons with a monthly average balance of up to Rs 10 million. Everyone else, including companies and balances above that limit, gets 6.50%.

The rise to 10.50% follows the State Bank of Pakistan's minimum profit rule, which moved up from 1 November after the policy rate went to 12%. The other banks that have posted new sheets are listed in the November savings rate rise.

BOK term deposits pay 5.25% to 6.75%, unchanged since May

Bank of Khyber's plain PLS term deposits did not change on the November sheet. A 1 year deposit pays 6.50% and a 2 year or 5 year deposit 6.75%. Notice deposits pay 5.25% for 7 to 29 days and 5.75% for 30 days.

Every one of these is below the 10.50% savings rate for an eligible individual. Unless you need a fixed term for another reason, a BOK term deposit pays an individual saver less than leaving the money in savings, on the bank's own sheet. Companies and large balances face a different sum, because their savings rate is 6.50%.

Be-Baha, Khyber Friendly and Bemisal schemes pay 7.00% to 8.00%

BOK's named schemes pay more than its plain term deposits. Be-Baha Mahana Amdani pays 7.50% to 7.75%. The 5 year Khyber Friendly Deposit steps up each year, from 7.00% to 7.50% for general clients and 7.50% to 8.00% for senior citizens. Bemisal pays 7.25% for 5 years.

Most scheme rates went up in November. The exception is the first two years of the senior Khyber Friendly Deposit, which fell from 7.75% and 8.25% to 7.50% and 7.60%, as the two sheets print them. Over five years, the senior scheme now averages 7.75% a year and the general one about 7.21%, on our own sums.

Rs 10 lakh earns about Rs 8,750 a month in BOK savings

At 10.50% a year, Rs 1,000,000 in BOK savings earns about Rs 8,750 a month before tax. The same amount in Be-Baha Mahana Amdani for 1 year, at 7.75%, gives about Rs 6,458. A 1 year term deposit at 6.50% gives about Rs 5,417.

These are our own sums, before withholding tax of 15% for filers and more for non-filers. National Savings pays more again on its monthly schemes, with Behbood at 12.96% and Regular Income at 12.12% on its rates from 21 October 2026, though Behbood is open only to certain groups of savers. If you hold a BOK deposit and want to move, read how banks cut profit when you break a fixed deposit early first.

How to check your Bank of Khyber profit rate

BOK posts each revised rate sheet as a PDF on the profit rates page of its website, newest first, with the month in the title. Find your account or scheme, read the rate for your category, and compare it with the profit on your statement.

1. Open bok.com.pk and go to Profit Rates under quick links.
2. Download "Revised PLS and Term Deposit Profit Rates, November 2026".
3. Check whether you count as eligible for the minimum deposit rate: an individual with up to Rs 10 million average balance.
4. Find your scheme and tenor, and note whether it is a general or senior citizen rate.
5. Compare with the profit credited on your statement.
6. If it does not match, ask your branch in writing and keep the complaint number.

Fees for transfers, cards and SMS alerts at the same bank are in the Bank of Khyber schedule of charges.

Common questions

What is the Bank of Khyber savings account profit rate in 2026?

10.50% a year from 1 November 2026 for individuals with up to Rs 10 million average balance. Others get 6.50%.

What is the BOK 1 year term deposit rate?

6.50% a year on the November 2026 sheet, the same as in May.

Which BOK scheme pays the highest profit?

The senior citizens' Khyber Friendly Deposit, which reaches 8.00% in its fifth year. Be-Baha Mahana Amdani pays 7.75% for 1 year.

Why does BOK savings pay more than its term deposits?

The savings rate for eligible individuals follows the State Bank's minimum, now 10.5%. Term deposits are not covered by that minimum, and BOK left them at 5.25% to 6.75%.

Does Bank of Khyber have Islamic profit rates?

Yes, its Islamic banking side publishes separate profit rates and weightages. We did not cover them here.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read the Bank of Khyber profit rates page, its revised rate sheet effective 1 November 2026 and the previous sheet effective 1 May 2026, on 2 November 2026. Changes, averages and monthly profit figures are our own arithmetic. We could not read BOK's Islamic rate page in a form that labels each figure, so Islamic accounts are left out.