Best Fixed Deposit Interest Rates in Pakistan (2025) – High Returns & Safe Investment

Fixed deposits (FDs) are one of the safest ways to grow your money in Pakistan. With banks and National Savings offering high-interest rates, you can earn up to 22% per year without taking big risks.

In this guide, we’ll cover:

• Highest-paying fixed deposit rates (bank-by-bank comparison)
• National Savings Schemes with government-backed returns
• Which tenure gives the best profit? (3 months vs. 1 year vs. 5 years)
• Tips to maximize your earnings from fixed deposits

Let’s explore the best options available in 2025.

1. Why Choose Fixed Deposits in Pakistan?

Fixed deposits are popular because:

• Guaranteed returns – No risk of losing money (unlike stocks or property)
• Higher interest than savings accounts – Some banks offer over 20% per year
• Flexible tenures – Choose between 3 months, 6 months, 1 year, or longer
• Monthly/quarterly payouts – Some FDs give regular income instead of waiting for maturity

Best for: Retirees, risk-averse investors, and those looking for short-term profits.

2. Best Fixed Deposit Rates in Pakistan (Bank-by-Bank Comparison)

Here are the highest-paying fixed deposit rates from top Pakistani banks:

A. Bank Alfalah – Up to 22.54% Per Year

Tenure	Profit Rate (Annual)	Monthly Payout Option?
3 Months	19.40%	Yes
6 Months	20.50%	Yes
1 Year	22.54%	Yes
3 Years	17.33%	Yes

Best for: Short-term investors who want the highest returns in 1 year.

B. Bank AL Habib – Up to 10.50% Per Year

Tenure	Profit Rate (Annual)
1 Year	10.50%
2-5 Years	8.60%

Best for: Long-term investors (5+ years) who prefer stability.

C. HBL (Habib Bank Limited) – Competitive Rates

HBL offers different FD plans, including:

• Investment Plus Deposit (IPD): Up to 18% for 1 year
• Foreign Currency FDs: For USD/EUR accounts (lower rates but currency stability)

Best for: Those who want flexible payout options.

D. Al Baraka Bank – Up to 12.25% (Monthly Income Plan)

• Mahana Amadani Term Deposit: 12.25% profit paid monthly
• Good for retirees who need regular income

Best for: People who want monthly cash flow instead of lump-sum returns.

3. National Savings Schemes – Higher & Safer Returns

The Pakistani government offers risk-free savings certificates with high-profit rates:

Scheme	Profit Rate (2024)	Minimum Investment
Short-Term Savings Certificates	20.20% (3 months)	Rs. 10,000
Regular Income Certificates	14.64% (Monthly)	Rs. 50,000
Defence Savings Certificates	14.39% (Quarterly)	Rs. 500
Bahbood Savings Certificates	15.36%	Rs. 10,000

Best for: Risk-free investors who want government-backed security.

4. Which Tenure Gives the Best Profit?

Tenure	Best Rate	Best For
3-6 Months	20.20% (Nat. Savings)	Short-term investors
1 Year	22.54% (Bank Alfalah)	Highest 12-month return
3-5 Years	17.33% (Bank Alfalah)	Long-term stable income

Tip: If you think interest rates will drop soon, lock in a long-term FD now.

5. How to Maximize Your Fixed Deposit Earnings?

1. Compare Rates – Check multiple banks before investing
2. Choose Monthly Payouts – If you need regular income (e.g., retirees)
3. Reinvest Profits – Compound interest grows money faster
4. Check Tax Rules – Some FDs are tax-free (like National Savings)
5. Avoid Early Withdrawal – Banks charge penalties for breaking FDs early

6. Fixed Deposits vs. Other Investments

Investment	Returns	Risk Level
Fixed Deposits	10-22%	Very Low
Savings Account	8-12%	Very Low
Stock Market	15-30%	High
Gold/Property	10-25%	Medium

Best Choice? If you want safe & guaranteed returns, FDs are the best.

7. Where to Open a Fixed Deposit in Pakistan?

You can open an FD at:

• Banks: HBL, Bank Alfalah, Bank AL Habib, Al Baraka, etc.
• National Savings Centers – For government schemes
• Online Banking – Some banks allow FD opening via apps

8. Final Verdict – Best Fixed Deposit in Pakistan

• Highest Short-Term Return: Bank Alfalah (22.54% for 1 year)
• Best Monthly Income: Al Baraka Bank (12.25% monthly payout)
• Safest Investment: National Savings (20.20% for 3 months)

Pro Tip: If you have a large amount, split it into multiple FDs to avoid penalties on early withdrawals.

Conclusion – Should You Invest in Fixed Deposits?

Yes, if:

• You want safe, guaranteed returns
• You need monthly or quarterly income
• You’re saving for short-term goals (1-3 years)

No, if:

• You want higher returns (stocks/real estate may be better)
• You need instant access to your money (FDs lock funds)

Next Steps:

• Visit bank websites or branches to confirm latest rates
• Compare National Savings schemes for tax-free profits
• Start with a 3-month FD to test before locking in long-term

Did You Know? Some banks offer special FDs for senior citizens with even higher rates! Always ask for promotions.

Would you like help calculating your exact returns based on your investment amount? Let me know!