Soneri Bank Profit Rates 2026: Savings 10.50%, Salana Amdani 11.00% and Every Term Deposit (Full List)
Soneri Bank profit rates 2026: PLS and Sahara savings 10.50%, Roshan Savings 10.60%, Salana Amdani 11.00%, Monthly Munafa 10.75%, term deposits from 9.00%.
Soneri Bank pays 10.50% a year on PLS Savings, Soneri Savings, Asaan, Freelancer and Sahara senior citizen accounts, and 10.60% on the Soneri Roshan Savings and Youngsters Minor accounts. Its best term deposit is the Soneri Salana Amdani Account at 11.00% for 1 year. Individuals with more than Rs 10 million in savings earn 9.50%.
We read Soneri Bank's rupee rate sheet on soneribank.com on 4 November 2026. The sheet is headed "Term Deposits & Special Products w.e.f 05th September, 2026", and the page shows a last update of 19 October 2026. Rates are yearly, before tax and Zakat, and the bank calls them provisional. Below is every rate a personal customer is likely to need.
Soneri savings accounts pay 10.50% to 10.60%
Soneri Bank pays 10.50% on its main savings accounts and 10.60% on two special ones, Soneri Roshan Savings and Soneri Youngsters Minor Savings. These rates apply to individuals with a monthly average balance up to Rs 10 million. Above Rs 10 million, the rate is 9.50%.
| Soneri Bank account | Profit rate, % a year |
|---|---|
| PLS Savings Account, Pensioner's Saving Account | 10.50 |
| Soneri Savings Account | 10.50 |
| Soneri Sahara Account, senior citizens | 10.50 |
| Soneri Roshan Savings Account | 10.60 |
| Soneri Youngsters Minor Savings Account | 10.60 |
| Asaan Saving, Asaan Digital Saving, Asaan Digital Remittance Saving | 10.50 |
| Soneri Freelancer Saving, Remit Direct Saving, Employee Banking Saving | 10.50 |
| 7 days' and 30 days' notice deposits | 10.50 |
| Savings from financial institutions, PSEs and public limited companies | 7.50 |
Soneri's 10.50% equals the new SBP minimum for rupee savings from 1 November 2026. SBP's rule sets that minimum 0.50 points below its repo floor, which became 11% when the policy rate rose to 12%. Our guide to the SBP minimum savings rate explains it.
Soneri Salana Amdani pays 11.00% for 1 year
The Soneri Salana Amdani Account is a 1 year term deposit with profit paid at maturity, and it pays 11.00%. The Soneri Monthly Munafa Account pays 10.75% for 1 year with monthly profit. Both pay more than an ordinary Soneri term deposit of the same length.
| Soneri special term product | 1 year | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|
| Salana Amdani, profit at maturity | 11.00% | Not offered | Not offered | Not offered | Not offered |
| Monthly Munafa, monthly profit | 10.75% | 9.75% | 9.50% | 9.00% | 9.00% |
| Ladies First Term Deposit, monthly income | 10.75% | 9.75% | 9.50% | Not offered | Not offered |
On Rs 1 million, 11.00% at maturity earns Rs 110,000 before tax after a year. The same money in Monthly Munafa earns about Rs 8,958 a month before tax. These are our sums on the rates shown.
Soneri term deposits pay 9.00% to 10.75%
Ordinary Soneri term deposits need at least Rs 25,000. A 1 year deposit pays 10.75% at maturity or 10.50% with monthly profit. Shorter and longer terms pay less, with 1 month at 9.00% and 3 years at 9.75% at maturity.
| Term | Monthly | Quarterly | Six monthly | Yearly | At maturity |
|---|---|---|---|---|---|
| 1 month | Not offered | Not offered | Not offered | Not offered | 9.00% |
| 3 months | 9.10% | Not offered | Not offered | Not offered | 9.25% |
| 6 months | 9.25% | 9.30% | Not offered | Not offered | 9.50% |
| 1 year | 10.50% | 10.60% | 10.70% | Not offered | 10.75% |
| 2 years | 9.75% | 9.75% | 9.75% | 9.75% | 10.00% |
| 3 years | 9.50% | 9.50% | 9.50% | 9.50% | 9.75% |
Breaking a Soneri term deposit early cuts the rate by 1.50 percentage points, the sheet says. Ask the branch exactly how it applies that cut before you book, because the sheet does not show a worked example.
Soneri Sarmaya pays nothing below Rs 1 million
The Soneri Sarmaya Remunerative account pays by balance band. It pays 0.00% below Rs 1 million, 7.50% from Rs 1 million, 8.50% from Rs 2.5 million and 9.50% from Rs 5 million. Most savers will earn more in the 10.50% savings account.
- Up to Rs 999,999: 0.00%.
- Rs 1 million to Rs 2.49 million: 7.50%.
- Rs 2.5 million to Rs 4.99 million: 8.50%.
- Rs 5 million and above: 9.50%.
Soneri dollar savings pay 0.10%, Forex Plus up to 5%
Soneri's foreign currency page lists 0.10% on ordinary US dollar savings of USD 2,000 or more. The Soneri Forex Plus account pays 3.00% on US dollars up to USD 4,999, rising in steps to 5.00% from USD 100,000. That sheet says it has been effective since 21 November 2023, so confirm it at the branch before you move money.
Follow these steps before opening any Soneri account:
- Compare the rate with other banks in our savings rates bank list and the November 2026 savings rate update.
- Ask the branch for the current rate sheet and its date.
- Check the minimum balance and any account maintenance fee.
- For dollars, ask whether Forex Plus is still open to new customers.
- Keep the account under Rs 10 million if you want the higher rate.
Common questions
What is the Soneri Bank savings profit rate in 2026?
10.50% a year on PLS Savings, Soneri Savings and Asaan accounts, and 10.60% on Roshan Savings and Youngsters Minor accounts, for balances up to Rs 10 million.
Which Soneri account pays the most?
The Soneri Salana Amdani Account pays 11.00% for a 1 year deposit with profit at maturity.
What does the Soneri Sahara Account pay senior citizens?
10.50% a year, the same as PLS Savings.
What is the minimum for a Soneri term deposit?
Rs 25,000 for an ordinary PKR term deposit, according to the rate sheet.
What happens if I break a Soneri term deposit early?
The sheet says premature encashment reduces the rate of return by 150 basis points, which is 1.50 percentage points.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read Soneri Bank's Pak Rupee rate sheet and foreign currency rate sheet on 4 November 2026. The rupee sheet is headed 5 September 2026 and the page was last updated on 19 October 2026, so Soneri may publish a newer sheet after the November rate changes. The Rs 110,000 and Rs 8,958 figures are our arithmetic. Soneri's rates sit below some National Savings schemes, as our National Savings rates from 21 October 2026 show.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
