Khushhali Bank Profit Rates 2026: Every Savings Account and Certificate in Pakistan (Full List)

Khushhali Bank pays up to 13.75% a year on its Aamdani Certificate and up to 13.25% on its Izafa Certificate, the two term deposits, according to the bank's product pages. Its best savings account rate is 11.5% on the Niswan account for women, with Bachat Plus and the teenage Aaghaz account at 11%. Most of these accounts open with Rs 100 or nothing at all.

Khushhali Microfinance Bank, based in Islamabad, pays deposit rates above the 10% minimum savings rate that commercial banks such as Standard Chartered and Samba paid in October. We read every savings and term deposit page on khushhalibank.com.pk on 31 October 2026, plus its schedule of charges, and listed the rates with who can open each account.

Khushhali savings accounts pay 7% to 11.5% a year

Niswan Savings pays 11.5%, Bachat Plus and Aaghaz 11%, Muhafiz, Behtreen Bachat and Karobari Munafa 10.5%, and Mehfooz 7%. Profit is worked out on the average monthly balance and paid monthly on most of them.

For most adults the choice is Bachat Plus. It pays 11%, needs no minimum monthly balance, pays profit every month and comes with a debit card. Women should take Niswan for the extra half point. Mehfooz pays far less but gives free cheque books and banker's cheques when you keep Rs 10,000 or more, so it suits people who write cheques rather than savers.

Khushhali cut the opening deposit for Bachat Plus, Karobari Munafa and Behtreen Bachat to Rs 100 from 1 March 2026, and removed the minimum balance and the fall below fee on Karobari Munafa and Behtreen Bachat, according to an addendum to its schedule of charges.

Khushhali term deposits pay up to 13.75%

The Aamdani Certificate pays up to 13.75% at maturity, from Rs 5,000, for 3 months to 2 years and above. The Izafa Certificate pays up to 13.25% monthly, from Rs 25,000, for 6 months to 2 years and above. The bank does not publish the rate for each tenure online.

"Up to" is doing a lot of work in those lines. The top rate usually belongs to one tenure only, and Khushhali's pages do not say which. Ask the branch for the rate for your exact term and get it printed on the certificate before you hand over the money.

On a simple reading, Rs 100,000 at 13.75% for a year earns about Rs 13,750 before tax. At 13.25% paid monthly, Rs 100,000 would bring roughly Rs 1,104 a month. Both are our arithmetic using the bank's top rates, and the bank's own formula counts days: rate times amount, divided by 365, times the days invested.

Cashing a Khushhali certificate early costs 3%

Khushhali's schedule of charges for July to December 2026 lists an early encashment charge of 3% on Aamdani and Izafa certificates booked after 1 January 2025. Certificates booked earlier carry 1.5% or 0.5%, depending on the booking date.

The schedule does not say whether the 3% comes off the principal or off the profit. That difference matters on a large deposit, so ask before you book. If you might need the money within months, Bachat Plus at 11% with no lock in is the safer home. The way commercial banks handle the same choice is set out under breaking a fixed deposit early.

How to open a Khushhali account and confirm your rate

Visit a Khushhali branch with your CNIC, then register for internet and mobile banking once the account exists. Teen Aaghaz accounts also need a parent or guardian. Confirm the rate in writing, because the product pages carry no date.

1. Pick the account from the table above and check you qualify, for example women only for Niswan.
2. Take your CNIC to a Khushhali branch. For Aaghaz, the bank verifies the teenager through NADRA and also needs the parent or guardian's details and a signed indemnity.
3. Ask the branch for the current rate sheet and the tenure-wise certificate rates.
4. Deposit the opening amount and keep the receipt.
5. After the first month, check the profit credited against your average balance times the rate, divided by 12.

The State Bank raised the policy rate to 12% on 26 October 2026, as reported in the policy rate decision. Microfinance banks set their own deposit rates, so a change is possible from November. For a wider view, compare savings account rates at commercial banks. Khushhali's own fees for cards, cheques and transfers are listed in the Khushhali schedule of charges.

Common questions

What is the Khushhali Bank profit rate in 2026?

Savings accounts pay 7% to 11.5%, and term deposits up to 13.75%, according to the bank's product pages read on 31 October 2026.

Which Khushhali account gives monthly profit?

Bachat Plus, Behtreen Bachat, Mehfooz, Karobari Munafa and the Izafa Certificate all pay monthly.

What is the minimum for a Khushhali term deposit?

Rs 5,000 for the Aamdani Certificate and Rs 25,000 for the Izafa Certificate.

Can a teenager open a Khushhali savings account?

Yes. The Aaghaz account is for ages 13 to 18, needs no deposit, pays 11% and needs a parent or guardian's details.

Is Khushhali profit taxed?

Yes. The schedule says government taxes and withholding tax are recovered from the customer on top of listed charges. The tax rules on bank profit are in tax on bank profit.

How we verified this

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

We read Khushhali Microfinance Bank's product pages for Niswan, Bachat Plus, Aaghaz, Muhafiz, Behtreen Bachat, Karobari Munafa, Mehfooz, the Aamdani Certificate and the Izafa Certificate, and its schedule of charges page with the July to December 2026 annexure and the March 2026 addendum, on 31 October 2026. Tenure-wise certificate rates are not published online and we could not verify them. Profit examples are our arithmetic before tax. We did not open an account.