Karachi: The State Bank of Pakistan (SBP) has revised the minimum profit rate requirement on bank deposits while launching a new digital investment platform, InvestPak, to enable retail and institutional investors to directly invest in government securities.
According to an SBP notification issued on Monday, the minimum profit rate requirement on bank deposits will now apply only to individual account holders maintaining a monthly average balance of up to PKR 10 million. The revised framework will take effect from August 1, 2026.
The central bank said the change reflects the availability of InvestPak, a digital platform that allows both retail and corporate investors to invest directly in government securities through a secure and streamlined process. Institutional and sophisticated investors are expected to benefit from potentially higher returns by investing directly in these instruments.
Under the revised rules, companies, institutions and individuals maintaining a monthly average balance exceeding PKR 10 million will no longer be covered by the minimum profit rate requirement on bank deposits.
SBP said the twin measures are aimed at diversifying the investor base for government securities while ensuring competitive returns for investors. It added that all other instructions relating to the minimum profit rate on deposits will remain unchanged.
The newly launched InvestPak platform provides digital access to government securities, offering investors an alternative avenue to invest their savings directly with the government.
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