First Women Bank Profit Rates 2026: Savings 10.00%, Pearl Account and Every Term Deposit in Pakistan (Full List)

We read First Women Bank Limited's own circular 2026-05, "Indicative Profit Rates for LCY Deposits", on its public documents page. LCY means local currency, so these are rupee accounts. The bank's asset and liability committee (ALCO) approved the rates on 30 April 2026. The sheet makes one thing plain: at FWBL, a savings account currently pays more than any term deposit.

First Women Bank savings accounts all pay 10.00 per cent

All six First Women Bank savings accounts on the sheet pay the same 10.00 per cent a year. What changes is how often you get the profit. PLS Savings, Hyper Profit, Zindagi Asaan and Pensioners pay every six months. Mahana Khazana and Pearl pay every month.

If you live on the profit, the monthly payers make more sense, because the money reaches you twelve times a year. If you leave it to grow, the rate is the same either way. Rs 1,000,000 at 10.00 per cent earns about Rs 100,000 in a year before tax, by our sums, or about Rs 8,333 a month in a monthly account.

• PLS Savings: the basic savings account, 10.00 per cent, paid twice a year.
• Hyper Profit Account: 10.00 per cent, paid twice a year. Account closing is free.
• Zindagi Asaan: a simple account with a 50 per cent discount on the debit card issue fee, 10.00 per cent.
• Pensioners Saving Account: 10.00 per cent, paid twice a year.
• Mahana Khazana: 10.00 per cent paid monthly, with a free PayPak card and free SMS alerts.
• Pearl Saving Account: for women only, 10.00 per cent paid monthly.

Term deposit rates fall from 7.50 to 2.50 per cent

First Women Bank term deposits, also called TDRs, pay profit at maturity. The 1 month deposit pays the most at 7.50 per cent. Rates fall to 4.50 per cent for 2 years and 2.50 per cent for 3, 4 and 5 years. Every term rate is below the 10.00 per cent savings rate.

Long deposits paying so little is a signal. Banks lower long rates when they expect interest rates to fall, because they do not want to promise a high rate for years. The sheet itself gives no reason, so this is our reading, not FWBL's.

Senior citizens and Pearl customers get monthly term deposits

FWBL has two term deposits that pay profit every month. The Senior Citizen and Pensioners deposit pays 6.50 per cent for 1 year and 4.50 per cent for 2 years. The Pearl term deposit, for women, pays 6.50 per cent for 1 year, also monthly.

A pensioner who wants monthly income gets more from the Pensioners Saving Account at 10.00 per cent, but that profit comes every six months. The Mahana Khazana savings account pays 10.00 per cent monthly. On these rates, it beats the monthly term deposits for anyone who is eligible. For other banks' pensioner rates, see our senior citizen savings rates comparison.

Breaking a term deposit early costs 2 to 2.5 per cent

If you close an FWBL term deposit within three months of booking it, the bank pays the booking rate minus 2.5 per cent. After three months, it pays the booking rate minus 2 per cent. On a 1 year deposit at 7.00 per cent, that leaves 4.50 or 5.00 per cent.

1. Profit on a term deposit is paid at the rate in force on the day you book it.
2. When the deposit rolls over, the rate in force at roll over applies.
3. Closed within 3 months: booking rate minus 2.5 per cent.
4. Closed after 3 months: booking rate minus 2 per cent.
5. For deposits above Rs 1 million, the branch can ask Head Office for a negotiated rate.

The negotiated rate is described as market based and given on a relationship basis. So if you are placing more than Rs 1 million, ask the branch manager before you sign.

Companies and institutions earn 7.50 per cent

Financial institutions, public sector enterprises and public limited companies get a separate, lower rate. Their PLS Savings and Hyper Profit accounts pay 7.50 per cent a year, every six months. Individual customers get 10.00 per cent on the same accounts.

How FWBL rates compare with other banks

FWBL's 10.00 per cent savings rate is close to the larger banks. Bank AL Habib lists 10.50 per cent on savings in its own November 2026 sheet. But FWBL's 1 year term deposit at 7.00 per cent is low, so savers locking money away should compare first.

See our fixed deposit rates comparison for other banks, the Bank AL Habib profit rates and the NBP profit rates. For the fees on these accounts, read our First Women Bank schedule of charges guide.

Frequently asked questions

What is the First Women Bank savings account profit rate?

10.00 per cent a year on PLS Savings, Hyper Profit, Zindagi Asaan, Pensioners, Mahana Khazana and Pearl, from 1 May 2026.

What is the FWBL 1 year term deposit rate?

7.00 per cent a year, paid at maturity. The senior citizen and Pearl 1 year deposits pay 6.50 per cent monthly.

Which First Women Bank account pays profit monthly?

Mahana Khazana and the Pearl Saving Account, both at 10.00 per cent, plus the senior citizen and Pearl term deposits.

Is the FWBL Pearl account only for women?

Yes. The bank describes it as an exclusive women's account.

Are these rates fixed?

No. They are indicative, and the bank says it can change them. A term deposit keeps the rate it was booked at until maturity.

Is the profit paid before or after tax?

The sheet gives gross rates. Withholding tax is deducted from profit under tax law, so your credit will be lower.

How we verified this

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

We read First Women Bank's public documents page and its circular 2026-05, "Indicative Profit Rates for LCY Deposits" (dated 30 April 2026, effective 1 May 2026, Annexures A, B and C), on 10 November 2026. It was the newest profit rate sheet on the page. Sums marked as ours are our own arithmetic, before tax.