The State Bank of Pakistan (SBP) has revised its minimum profit rate policy for bank deposits, announcing that the requirement will now apply only to individual account holders with a monthly average balance of up to Rs. 10 million.
The policy change excludes institutional and high-value depositors from the minimum profit rate requirement, a move expected to encourage banks and institutional investors to allocate more funds toward government securities and other investment instruments.
Alongside the policy revision, the central bank has also launched InvestPak, a new digital investment platform designed to make investing in government securities easier, faster, and more secure for both retail and corporate investors.
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Through InvestPak, users can directly invest their savings in government-backed securities without relying on traditional intermediaries, offering a more convenient and transparent investment experience.
The SBP said the initiative is part of its broader efforts to modernize Pakistan’s financial sector, promote digital financial services, and improve public access to secure investment opportunities. The new platform is expected to enhance financial inclusion, simplify the investment process, and encourage greater participation in Pakistan’s government securities market while supporting the country’s digital economy initiatives.
