KARACHI – The State Bank of Pakistan has announced major changes to the minimum profit framework for bank deposits. The revised regulations will take effect across the country from August 1, 2026.
According to the State Bank, the updated rules are designed to improve investment opportunities and make the financial system more efficient. The changes also aim to provide better financial solutions for both individual and institutional investors.
Under the new framework, banks will continue paying the prescribed minimum profit only to eligible individual account holders. This protection will apply to accounts with an average monthly balance of up to Rs10 million.
The revised policy means that corporate and institutional account holders will no longer receive mandatory minimum profit protection under the existing framework. The central bank said this step will help create a more flexible investment environment.
In another important development, the State Bank has relaxed investment rules for corporate and institutional investors. These investors will now be allowed to invest directly in government securities.
The move is expected to expand investment choices for businesses and institutions. It also gives them direct access to government-backed financial instruments that were previously available through different investment arrangements.
To support the revised framework, the central bank has launched a new digital investment platform called Nivesht Pak. The platform is designed for both individuals and businesses seeking secure investment opportunities.
Through Nivesht Pak, investors can purchase Treasury Bills (T-Bills), Pakistan Investment Bonds (PIBs), and other government securities. The platform aims to simplify the investment process by providing secure digital access to these products.
The State Bank said these reforms are intended to strengthen Pakistan’s investment ecosystem. Officials believe the changes will improve market efficiency and encourage wider participation in government-backed investment products.
The central bank also explained that the amendments focus on expanding investment opportunities while maintaining financial stability. It expects the updated framework to benefit retail investors as well as corporate participants through improved access to diversified investment options.
Apart from these revisions, all other banking regulations and existing directives will remain unchanged. Banks will continue to follow the current regulatory framework unless specifically amended under the new policy.
In other news read more about Prize Bond Tax in Pakistan Remains Unchanged After Budget 2026
The revised regulations will officially come into force on August 1, 2026. The State Bank said the new measures reflect its continued efforts to modernize Pakistan’s financial sector and increase access to secure investment opportunities for a wider range of investors.
