Karachi (October 2025): The latest Bank AL Habib Islamic profit rates have been updated for October 2025, offering attractive returns for both regular savers and senior citizens. As one of Pakistan’s leading Islamic banks, Bank AL Habib continues to provide Shariah-compliant saving and investment options that deliver stable monthly profits without interest-based mechanisms.
Bank AL Habib Islamic Profit Rates (October 2025 Update)
According to the official declaration of profit rates on the Bank AL Habib Islamic website, the following indicative rates are applicable this month:
| Account Type | Balance Range (PKR) | Profit Rate (per annum) | Profit Payment Frequency |
| Islamic Income Plus Account | 0 – 999,999 | 7.50% p.a. | Monthly |
| Islamic Income Plus Account | 500,000,000 and above | 9.00% p.a. | Monthly |
| Islamic Senior Citizen Savings Account | All balances | 8.25% p.a. | Monthly |
| Senior Citizen Term Deposit (1-Year) | Fixed | 10.00% p.a. | Monthly |
| Islamic Term Deposit (General) | Various | 8.00 – 9.50% p.a. | At Maturity or Monthly |
Note: Profit rates are indicative and may vary depending on market conditions and deposit tenure. Always confirm the latest rate sheet on islamic.bankalhabib.com.
How Islamic Profit Rates Work
Islamic banking follows Shariah-compliant principles, which means the returns are generated through profit-sharing mechanisms rather than interest. Bank AL Habib invests customer deposits into halal business ventures and shares the profits proportionately.
Each month, depositors receive a share of the earned profit, based on their account type, investment tenure, and the declared rate for that period.
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Monthly Profit Rate Explained
A monthly profit rate allows customers to receive regular income from their savings. For example, an annual profit rate of 9.00% p.a. roughly means a monthly profit of 0.75% of the deposit amount. This option is ideal for individuals who want consistent cash flow without withdrawing their savings.
Special Profit Rates for Senior Citizens
Bank AL Habib Islamic offers special incentives for senior citizens through dedicated saving and term deposit accounts. The Senior Citizen Account provides higher returns and flexible withdrawal options.
For instance, the Senior Citizen Term Deposit (1-Year) currently offers a 10.00% p.a. rate, one of the best among Islamic banks in Pakistan. Profits are credited monthly to ensure regular income for retirees and pensioners.
Comparison with Other Islamic Banks
While several banks in Pakistan offer Islamic saving products, Bank AL Habib Islamic remains one of the most stable and consistent in declaring competitive rates. Compared to some other banks that adjust rates quarterly, Bank AL Habib updates them monthly, providing better transparency and predictability.
How to Check the Latest Profit Rates
Customers can easily verify the updated profit rates every month through:
- Official Website: Visit islamic.bankalhabib.com/declaration-of-profit
- Branch Visit: Ask for the printed “Profit Rate Sheet” for the current month.
- Customer Helpline: Call 021-111-014-014 for the latest rate updates and product details.
Bank AL Habib Islamic Saving Account Features
- Fully Shariah-compliant under the supervision of Islamic scholars.
- Profit paid monthly or quarterly, depending on account type.
- No interest (riba) — all earnings are through halal investments.
- Easy online and mobile banking access.
- Competitive rates for both individuals and businesses.
Frequently Asked Questions
What is the monthly profit rate in Bank AL Habib Islamic?
The monthly profit rate varies from 7.50% to 9.00% p.a., depending on the deposit amount and account type.
What is the profit rate of an Islamic savings account?
For October 2025, the Islamic saving account offers between 7.50% and 9.00% p.a..
Which bank offers the highest Islamic profit rate in Pakistan?
Rates change monthly, but Bank AL Habib and Meezan Bank are consistently among the top in Islamic profit returns.
What is the profit rate for senior citizens in Bank AL Habib Islamic?
Senior citizens can earn up to 10.00% p.a. on fixed deposits with monthly payouts.
Why Choose Bank AL Habib Islamic
- Trusted brand with decades of banking experience.
- Transparent profit distribution backed by Shariah Board approval.
- Stable monthly profits ideal for retirees, businesses, and families.
- Wide branch network with dedicated Islamic banking sections across Pakistan.
Final Thoughts
The Bank AL Habib Islamic profit rates for October 2025 reaffirm the bank’s commitment to providing Shariah-compliant financial growth opportunities for Pakistanis. Whether you want monthly income, long-term savings, or a senior citizen account, these updated rates deliver both reliability and competitive returns.
Always review the official profit declaration sheet each month to stay updated on the latest figures and product details.
