Looking for accurate and updated Apna Bank profit rates in Pakistan for 2025? Apna Microfinance Bank offers a wide range of savings accounts, term deposits, and specialized schemes with competitive monthly and annual returns for individuals, women, senior citizens, and institutions.
Apna Bank PLS & Savings Account Rates
Account Type Annual Profit Rate
Current Account 0%
PLS Savings Account 3.00%
These accounts are ideal for basic savings with regular returns.
Apna Bank Term Deposit Profit Rates (Individuals)
Minimum Investment: PKR 25,000
Profit Options: At maturity or monthly payout
Tenure Profit at Maturity Monthly Profit Rate
1 Month 10.50% 10.50%
3 Months 10.25% 9.80%
6 Months 10.00% 9.60%
1 Year 9.00% 8.65%
2 Years 8.00% 7.75%
3 Years 7.50% 7.25%
4 Years 7.25% 7.05%
5 Years 7.00% 6.80%
These deposits are suitable for individuals seeking secure, predictable income over various timeframes.
Apna Mustaqil Sarmaya (Senior Citizens, Widows & Pensioners)
Special scheme for citizens above 55 years or eligible individuals.
Tenure Profit at Maturity Monthly Profit Rate
1 Year 10.00% 9.60%
2 Years 9.00% 8.65%
3 Years 8.50% 8.20%
4 Years 8.25% 7.95%
5 Years 8.00% 7.75%
A great option for retirees seeking stable monthly income.
Apna Pink Term Deposit (Women Only)
Dedicated scheme offering enhanced returns for female customers.
Tenure Profit at Maturity Monthly Profit Rate
1 Month 10.50% 10.50%
3 Months 10.50% 10.05%
6 Months 10.25% 9.80%
1 Year 9.50% 9.10%
2–5 Years 7.25%–8.25% 7.05%–7.95%
Ideal for women seeking short- and long-term secure investments.
Institutional Term Deposit Rates
Tailored for businesses or organizations depositing large sums.
Deposit Size Tenure Profit at Maturity Monthly Profit Rate
Up to PKR 50 million 6 Months 6.75% 6.55%
Up to PKR 50 million 1 Year 6.25% 6.10%
Over PKR 50 million 6 Months 7.25% 7.05%
Over PKR 50 million 1 Year 6.75% 6.55%
Apna Daily Savings Account (Slab-Based Profit)
Profit is calculated daily and paid quarterly.
Individuals: 4.00% – 5.75%
Institutions: 3.50% – 5.50%
Profit increases with higher deposit balances.
Financial Performance & Safety
PSX Ticker: AMBL
Latest Share Price (June 2025): PKR 10.89
PACRA Ratings (July 2024):
Long-Term: BBB-
Short-Term: A4
Outlook: Negative
FY 2023: Loss of PKR 3.59 billion, but recovery plan in place
Apna Bank continues operations with strategic sponsor support, ensuring deposit safety.
FAQs
Q1. What is the highest profit rate at Apna Bank?
Up to 10.50% on 1-month term deposits for individuals and women.
Q2. Which savings plan is best for senior citizens?
Apna Mustaqil Sarmaya offers up to 10% profit for a 1-year tenure.
Q3. Are there better rates for women?
Yes, Apna Pink Term Deposit provides exclusive high returns.
Q4. How are profits paid?
Customers can choose monthly payouts or profit at maturity.
Conclusion
Apna Microfinance Bank offers competitive profit rates in 2025 for all customer segments: individual savers, women, senior citizens, and institutions. With options ranging from short-term 1-month deposits to long-term 5-year plans, it provides flexible, secure, and reliable investment opportunities.
Tip: Always check the latest profit sheets or visit your nearest branch to confirm current rates and terms.
