SBP limits minimum deposit profit rule
The SBP has revised minimum profit rate rules for bank deposits, now applying only to individual accounts up to Rs10 million, and launched "InvestPak" for direct investment in government securities.
- Minimum profit rate changes for bank deposits.
- "InvestPak" digital platform for government securities.
- Diversifying government securities investor base.
KARACHI: The State Bank of Pakistan (SBP) on Monday announced that minimum profit rate requirement on bank deposits will apply only to individual account holders with a monthly average balance of up to Rs10 million, paving the way for institutional investors to shift more funds into government securities.
In order to facilitate the retail and corporate investors, the State Bank has formally launched a digital platform namely “InvestPak” through which all investors can directly invest their savings in the Government securities in a convenient, efficient and secured way.
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According to SBP, as the institutional and sophisticated investors can now conveniently invest in Government securities through “InvestPak” and earn better returns, it has been decided that the minimum profit rate requirement shall only be applicable on the deposits of natural persons (individuals) maintaining monthly average balance of up to Rs10 million.
These two measures are aimed at diversifying the investor base of Government securities while ensuring competitive returns for the investors.
The “InvestPak” platform is accessible to both institutional and retail investors for directly investing their savings digitally in the Government securities.
SBP said that these instructions will be effective from August 01, 2026, while all other instructions on the subject shall remain unchanged.
Copyright Business Recorder, 2026
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