ANNUALISED RATES OF PROFIT FOR DIFFERENT TYPES OF DEPOSITS PRODUCT
Term Deposits & Special Products w.e.f. 01 Aug 2026 & PLS Saving w.e.f 01 Aug 2026
PKR Deposit Rates
| Deposit Category | Profit Rates (% p.a.) | ||||
| Saving Deposits | |||||
| PLS Savings Account / Pensioner’s Saving Account | 10.00 | ||||
| Soneri Roshan Savings Account | 10.10 | ||||
| Soneri Sahara Account (Senior Citizens) | 10.00 | ||||
| Soneri Youngsters Minor Savings Account | 10.10 | ||||
| Soneri Savings Accounts | 10.00 | ||||
| Profit rate on Saving Deposits from Financial Institutions / Public Sector Enterprises / Public Limited Companies will be at 7.50% | |||||
| Notice Deposits | |||||
| 7 Days’ Notice | 10.00 | ||||
| 30 Days’ Notice | 10.00 | ||||
| Term Deposits – Minimum Deposit PKR 25,000 (all rates are % p.a.) | |||||
| Tenor | Monthly Intervals | Quarterly Intervals | Six Monthly Intervals | Yearly Intervals | At Maturity |
| 1 Month | — | — | — | — | 10.50 |
| 3 Months | 10.00 | — | — | — | 10.50 |
| 6 Months | 10.25 | 10.30 | — | — | 10.75 |
| 1 Year | 10.70 | 10.80 | 10.95 | — | 11.25 |
| 2 Years | 10.10 | 10.30 | 10.40 | 10.68 | 11.25 |
| 3 Years | 9.75 | 9.85 | 10.00 | 10.18 | 11.25 |
| Soneri Salana Amdani Account (Term Deposit for 1 year with profit payment on maturiy) | Profit Rates (% p.a.) | ||||
| 1 Year | 11.50 | ||||
| Soneri Monthly Munafa Account (Term Deposit offering monthly profit payments) | Profit Rates (% p.a.) | ||||
| 1 Year | 10.70 | ||||
| 2 Years | 10.10 | ||||
| 3 Years | 9.75 | ||||
| 4 Years | 9.80 | ||||
| 5 Years | 9.40 | ||||
| Soneri Ladies First Term Deposit (Monthly Income Scheme) | Profit Rates (% p.a.) | ||||
| 1 Year | 10.70 | ||||
| 2 Years | 10.10 | ||||
| 3 Years | 9.75 | ||||
| Soneri Sarmaya Account : Remunerative | Profit Rates (% p.a.) | ||||
| 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 | ||||
| Other Saving Checking Account Products | Profit Rates (% p.a.) | ||||
| 1- Asaan Saving Account | 10.00 | ||||
| 2- Asaan Digital Saving Account | 10.00 | ||||
| 3- Asaan Digital Remittance Saving Account | 10.00 | ||||
| 4- Soneri Freelancer Saving Account | 10.00 | ||||
| 5- Soneri Remit Direct Saving Account | 10.00 | ||||
| 6- Soneri Employee Banking Saving Account | 10.00 | ||||
Important Notice:
For Individual (natural) customers:
- maintaining monthly average balance of upto PKR 10 million in Savings Deposits (Other than Term Deposits & Soneri Sarmaya Remunerative accounts profit rate will be as per indicative rates above.
- maintaining monthly average balance exceeding PKR 10 million in Savings Deposits (Other than Term Deposits & Soneri Sarmaya Remunerative accounts profit rate will be 9.5% per anum.
Minimum rate of return will be in accordance with SBP’s prevailing guidelines.
Provisional rates are subject to change.
Roll-overs of deposits on previous rates shall be in accordance with prevailing rate sheet.
Premature encashment of a time and term deposit will cause reduction in rate of return by 150bps.
Profit Rate on Deposits from Banks / Financial Institutions PSEs / Provident, Gratuity Funds / Educational Institutes / Corporate Entities / Cooperative Societies, Group Account(s) & High net worth individuals will be Negotiable.