Mobilink Bank Profit Rates 2026: Every Savings Account and Term Deposit in Pakistan (Full List)

Mobilink Bank's highest savings rate is 11% a year on the Aasaan Digital Savings Account, and its best term deposit rate is 10.05% on a one month Mustaqbil deposit, according to the bank's own product pages. Other savings accounts pay between 5.5% and 10.75%. The rate you get depends on which account you open, not on how much you keep.

Mobilink Microfinance Bank, which runs the DOST app and also issues JazzCash debit cards, lists rates on each product page rather than in one table. We read every deposit page on mobilinkbank.com on 31 October 2026 and put the figures side by side, with the minimum deposit, how often profit is paid, and what happens if you break a deposit early.

Mobilink Bank savings accounts pay 5.5% to 11% a year

The Aasaan Digital Savings Account pays 11%, the women's Bint-e-Hawwa savings account 10.75%, Munafa Izafa 10.38%, Mahana Amdani 9.5%, the branch Aasaan Savings Account 8% and the Aasaan Remittance Savings Account 5.5%. Current accounts pay no profit.

The digital account is the clear pick for most savers. It pays the most, needs no branch visit and has no minimum balance. Munafa Izafa is the odd one out. Its rate is written as the three month Treasury bill rate minus 1.5%, so it moves with government borrowing costs, and it asks for Rs 100,000 up front.

Mahana Amdani shows the same 9.5% for every slab from Rs 0 to above Rs 1 million. So keeping more money there does not raise your rate.

Mustaqbil term deposit pays 10.05% for one month

The Mustaqbil Term Deposit pays profit at maturity: 10.05% for one month, 10% for three months, 9.5% for six months, 9.1% for a year and 7% for two years and above. The minimum is Rs 5,000, in multiples of Rs 1,000.

Short beats long here. The rates fall as the term gets longer, which tells you the bank expects rates to drop. Locking money for two years at 7% makes little sense when the digital savings account pays 11% with no lock at all. Mahaana Munaafa pays a little less but credits profit every month, which suits anyone living on the income.

One small inconsistency: the Mahaana Munaafa page lists tenures of 3 months to 3 years in its rate table, but its feature list says 6 months to 5 years. Ask the branch which tenures it will actually book.

Mera Tahaffuz gives seniors and pensioners up to 10%

Mera Tahaffuz is a term deposit for senior citizens above 55, minors, widows, persons with disabilities and pensioners. It pays 10% at maturity or 9.9% monthly for 12 months, and 8% or 7.5% for 24 and 36 months. The minimum is Rs 5,000.

For 12 months that is barely more than the ordinary Mustaqbil rate of 9.1%. The bigger gain is the 24 month rate of 8%, a full point above Mustaqbil, and what the bank calls enhanced banking services for these customers. Elderly savers who want a monthly income can compare it with National Savings profit rates, which run separate schemes for pensioners and widows.

Breaking a Mobilink deposit early costs you the higher rate

Mobilink charges no penalty for cashing a term deposit early. But it pays the rate of the last full term you completed. Break a 12 month deposit after seven months and you are paid at the six month rate, 9.5% on Mustaqbil.

That is gentler than some commercial banks, which cut profit sharply on early encashment. The way other banks handle it is set out under breaking a fixed deposit early. Profit is also taxed: Mobilink says every profit payment is subject to tax deduction, and the rates on its pages are before that tax.

How to check the rate you are actually being paid

The product pages carry no date, so check before you deposit a large sum. SBP raised the policy rate to 12% on 26 October 2026, and banks often revise deposit rates from the first day of the next month.

1. Open the DOST app or ask the branch for the current schedule of charges, which Mobilink says sets the rates.
2. Note your account type exactly, for example Aasaan Digital Savings, not just "savings".
3. Compare the profit credited for a month with your average balance times the rate, divided by 12.
4. For a term deposit, ask for the rate in writing on the deposit receipt before you pay.
5. If the profit credited is lower than promised, call the helpline on 051 111 962 962 and keep the complaint number.

A quick example of the sum in step 3, using the bank's rate: Rs 100,000 at 11% earns about Rs 11,000 in a year, roughly Rs 917 a month, before tax. That is our arithmetic.

Mobilink is a microfinance bank, so complaints about it go to the State Bank rather than the Banking Mohtasib, as explained in complaining about a microfinance bank. To see how these rates stack up against big commercial banks, look at savings account profit rates at other banks.

Common questions

Which Mobilink Bank account gives the highest profit?

The Aasaan Digital Savings Account, at 11% a year on the monthly average balance, with no minimum balance.

What is the Mobilink Bank term deposit rate for one year?

9.1% on Mustaqbil, paid at maturity, and 9% on Mahaana Munaafa, paid monthly. Mera Tahaffuz pays 10% at maturity for eligible customers.

What is the minimum amount for a Mobilink term deposit?

Rs 5,000, issued in multiples of Rs 1,000, for Mustaqbil, Mahaana Munaafa and Mera Tahaffuz.

Is there a penalty for breaking a Mobilink term deposit?

No penalty fee, but you are paid the rate of the last completed term, which is usually lower.

Does Mahana Amdani pay more on a bigger balance?

No. Mobilink lists 9.5% for every tier, from small balances to above Rs 1 million.

Are Mobilink Bank rates before or after tax?

Before tax. The bank says profit payments are subject to tax deduction.

How we verified this

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

We read Mobilink Microfinance Bank's deposits section and each product page, including the Mustaqbil Term Deposit page, on 31 October 2026. The pages are undated, so we could not confirm whether the rates already reflect the State Bank's 26 October 2026 rate decision. We did not open an account or book a deposit. Monthly and yearly profit examples are our own arithmetic, before tax.