Meezan Aamdan Certificate Profit Rate 2026: 9.18%, Seniors 10.12%, Plus Every COII Tenor (Full List)

Meezan Aamdan Certificate paid 9.18% a year for October 2026, and 10.12% for senior citizens, on both its 5.5 year and 7 year terms. Meezan's COII 1.5 Years paid 10.12%, and the 1 year COII 9.18% with monthly profit. These are declared rates from Meezan Bank's own historical sheet, which runs to October.

Meezan's certificates are where its better returns sit, because its ordinary Saving Account paid only 6.79% for October. Below is every certificate and tenor, each month's rate in 2026, the monthly income on Rs 10 lakh, which certificates are closed to new money, and how to check a declared rate.

Meezan certificate profit rates for October 2026

For October 2026, Meezan's certificates paid from 7.12% on short terms of 1 to 6 months up to 10.12% on the 1.5 year COII and the senior citizen Aamdan Certificate. The standard Aamdan Certificate and 1 year COII with monthly profit paid 9.18%.

COII stands for Certificate of Islamic Investment. The COII products need at least Rs 50,000, the sheet says. Rates are per year and are declared monthly, so what you earn on a certificate can move each month even though the term is fixed.

Aamdan Certificate rates jumped from about 7% to 9% in May

Meezan's certificate rates rose sharply in May 2026. The standard Aamdan Certificate went from 6.96% in April to 9.09% in May, and the senior version from 7.97% to 10.00%. Since then they have stayed close to 9% and 10%, reaching 9.18% and 10.12% in September and October.

The senior 7 year Aamdan Certificate started the year a little higher, at 8.36% in January, and has matched the 5.5 year senior rate since May. The sheet does not say why rates moved in May, so we do not guess.

Rs 10 lakh in an Aamdan Certificate gives about Rs 7,650 a month

At 9.18% a year, Rs 1,000,000 gives about Rs 7,650 a month before tax. At the senior rate of 10.12%, it is about Rs 8,433. After 15% withholding tax for a filer, those become about Rs 6,503 and Rs 7,168.

These are our own sums before tax, rounded to the rupee. The real amount depends on the rate declared each month. National Savings pays more on its monthly schemes, 12.96% on Behbood and 12.12% on Regular Income, on its rates from 21 October 2026, and its Sarwa Islamic Term Account pays 11.84% to 12.12% if you want an Islamic option. The comparison of what Rs 1 lakh to Rs 75 lakh pays a month is in National Savings monthly profit.

COII 2, 3 and 5 years are closed to new money

Meezan's sheet says the COII 2, 3 and 5 year certificates are discontinued, for both fresh bookings and roll overs. The senior 1 year COII with profit at maturity is temporarily discontinued too. Existing holders still receive the declared rate, 7.12% for October.

For new money, that leaves the 1 month, 3 month, 6 month, 1 year and 1.5 year COII, plus the Aamdan Certificate. If you hold a 3 or 5 year COII booked before it closed, check its maturity date. It cannot be rolled over into the same product, so you will need to pick a new one.

Meezan's ordinary savings are set out in Meezan saving account profit rates. The reason Islamic rates are declared after each month, rather than fixed in advance, is explained in the Islamic bank pool rule.

How to check a Meezan certificate rate

Meezan's historical profit rate sheet lists every certificate by name and tenor, with a column for each month. Find your certificate, read the month and compare it with the profit credited. Ask the branch for its own calculation if the two do not match.

1. Open meezanbank.com, go to Historical Profit Rates and download the 2026 sheet.
2. Turn to the certificates page and find your product, for example COII 1 Year or Meezan Aamdan Certificate.
3. Check the payout type, monthly or at maturity, and whether you hold the senior version.
4. Read the rate for the month you want.
5. Compare the profit credited in the Meezan app or on your certificate statement.
6. If it does not match, call Meezan on 111-331-331 or ask your branch in writing.

Common questions

What is the Meezan Aamdan Certificate profit rate in 2026?

9.18% a year for October 2026, paid monthly, on both the 5.5 year and 7 year terms. Senior citizens got 10.12%.

What is the Meezan COII 1 year profit rate?

9.18% with monthly profit and 9.55% at maturity for October 2026. The senior monthly version paid 9.55%.

Which Meezan certificate pays the most?

The COII 1.5 Years and the senior Aamdan Certificate, both at 10.12% for October 2026.

What is the minimum investment in a Meezan COII?

Rs 50,000, according to Meezan's rate sheet, which lists the COII products as "50K and Above".

Can I still buy a 3 year or 5 year COII?

No. Meezan's sheet says COII 2, 3 and 5 years are discontinued for fresh bookings and roll overs.

Is the Aamdan Certificate rate fixed for the whole term?

No. Meezan declares the rate each month, so the profit can change during the term, as it did between April and May 2026.

How we verified this

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

We read Meezan Bank's historical profit rates page, its 2026 historical sheet with rates to October 2026, and the single month sheet for September 2026, on 2 November 2026. The monthly income figures are our own arithmetic before tax. We did not read Meezan's terms on early encashment of certificates, so ask the branch before you break one.