NRSP Microfinance Bank Profit Rates 2026: Savings 7.20%, Behtreen Amdan Up to 12.00% and Every Account in Pakistan (Full List)

We read NRSP Microfinance Bank's own profit rate files on its Resources page on 11 November 2026. The newest declared sheet is "Profit Rates for the Month of SEP 2026" from its Islamic Microfinance Division, with a history file of every month from October 2024. The bank has also posted its profit sharing weightages effective from 1 November 2026. All rates are yearly and before tax and zakat.

NRSP savings account profit rates for September 2026

NRSP's Taajir Bachat, Asaan Bachat and Bawaqar Bachat with monthly profit all paid 7.20% a year for September 2026. Bawaqar Bachat with quarterly profit paid 7.50%, and with half yearly profit 7.80%.

The Islamic Premium Account is a current style account that pays almost nothing, 0.01%. If you keep savings there, you are giving up about 7% a year compared with a Bawaqar Bachat account at the same bank.

These rates are lower than the 10.50% most conventional banks pay on savings from 1 November, as our bank savings rate report shows. That 10.50% floor applies to conventional savings accounts. Islamic accounts share the pool's actual profit instead, and the result is often lower, as our explainer on the Islamic pool rule sets out.

NRSP Behtreen Amdan Certificate pays up to 12.00%

The Behtreen Amdan Certificate is NRSP's Islamic term deposit. For September 2026 it paid 12.00% a year for three years with profit at maturity, 11.40% for two years at maturity, and 9.00% for one year with monthly profit.

One oddity is in the bank's own file. For one year, the half yearly option (9.84%) is shown higher than the yearly option (9.60%), which is the reverse of the usual pattern. We have reported the figures as the bank published them. Ask the branch to confirm before you choose between those two.

NRSP declared rates changed sharply from month to month in 2026

NRSP's monthly savings rate has moved between 6.10% and 8.55% in 2026. It was 7.23% in June, 6.58% in July, 6.10% in August and 7.20% in September. The three year Behtreen Amdan at maturity moved from 12.05% in June to 10.17% in August, then back to 12.00% in September.

This is how an Islamic profit and loss sharing account works. The bank does not fix a rate in advance. It sets weightages for each product at the start of the month, then declares the rate once it knows the pool's earnings. So a certificate's rate can change every month while you hold it. The bank posted its weightages for November 2026 on 1 November, but the November rate itself will be declared later.

What Rs 1 lakh to Rs 10 lakh earns at NRSP

At September's rates, Rs 10 lakh in a Bawaqar Bachat account earns about Rs 6,000 a month before tax. The same amount in a one year Behtreen Amdan Certificate with monthly profit earns about Rs 7,500. These are our sums on the yearly rates.

The three year figures assume the rate stays at 12.00% for all 36 months, which it will not. Treat them as a rough guide only. For other microfinance banks, compare our lists for Khushhali Bank and Mobilink Bank.

How to check NRSP's latest profit rate

NRSP Microfinance Bank posts its rate files on the Profit Rates page under Resources. Each month adds a declared rate file and a history file. No login is needed.

1. Open nrspbank.com and choose Resources, then Profit Rates.
2. Look under "Profit Rates of Current Year" for the newest "IMD Profit Rates" file. In mid November that is September 2026.
3. Open "Historical Rates IMD" for every month since October 2024 in one table.
4. Find your product and your profit payment option, monthly, quarterly, half yearly or yearly.
5. The files named "Islamic Weightages" show the sharing ratios for the coming month, not the rate.

The same page lists a conventional "CMD Profit Rates" file dated November 2024. Because it is two years old, we have not used it, and you should ask a branch if you hold an older conventional deposit. Microfinance banks follow their own State Bank rules on accounts, which our guide to microfinance bank account rules explains. If a branch will not answer, our guide to complaining about a microfinance bank lists the steps.

Common questions

What is the NRSP Bank savings account profit rate?

7.20% a year for September 2026 on Taajir Bachat and Asaan Bachat, and on Bawaqar Bachat with monthly profit. Bawaqar Bachat with half yearly profit paid 7.80%.

What is the NRSP Behtreen Amdan Certificate profit rate?

For September 2026, from 8.40% for six months with monthly profit up to 12.00% for three years with profit at maturity. The one year certificate with monthly profit paid 9.00%.

Why has NRSP not published the October 2026 rate yet?

NRSP's Islamic accounts share actual profit, so the rate is declared after the month closes. The September sheet was the newest on its site on 11 November 2026.

How much profit does Rs 10 lakh earn at NRSP Bank each month?

About Rs 6,000 a month in Bawaqar Bachat at 7.20%, or about Rs 7,500 in a one year Behtreen Amdan Certificate at 9.00%, before tax and zakat.

Is NRSP Microfinance Bank an Islamic bank?

Its current deposit rate files are all from its Islamic Microfinance Division. The only conventional rate file on the page is dated November 2024.

Does the NRSP profit rate change while my certificate runs?

Yes. The rate is declared each month from the pool's earnings, so it can go up or down during the term, as it did between June and September 2026.

How we verified this

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

We read NRSP Microfinance Bank's Profit Rates page on 11 November 2026, including the September 2026 profit rate sheet, the historical rates file to September 2026 and the weightages effective from 1 November 2026. Profit examples are our arithmetic.