Fixed Deposit Calculator — Pakistan
Calculate your fixed-deposit maturity value and interest in PKR at current rates. No signup, no tracking.
Fixed deposit rates in Pakistan (2026)
Regular Income Certificates ≈ 13% p.a., Behbood Savings ≈ 16.5% (seniors/widows), Defense Savings Certificates 10-yr ≈ 13%. Bank term deposits ≈ 11–12%.
At around 13%, the fixed-deposit rate in Pakistan is very high in nominal terms - but rates this large usually track higher local inflation, so your real, after-inflation return can be far smaller than the headline suggests.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every Rs 100,000 deposited at 13.00% for 5 years (quarterly compounding):
- Maturity value: Rs 189,584
- Interest earned: Rs 89,584
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Pakistan
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in Pakistan?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Pakistan?
As a 2026 reference, fixed-deposit rates are around 13% per year, varying by bank and tenure. Regular Income Certificates ≈ 13% p.a., Behbood Savings ≈ 16.5% (seniors/widows), Defense Savings Certificates 10-yr ≈ 13%. Bank term deposits ≈ 11–12%.
Is FD interest taxable in Pakistan?
In Pakistan, banks withhold tax on profit/interest at 15% for active tax filers and 30% for non-filers (10% for seniors 60+), remitted directly to the FBR.
Is a fixed deposit safe in Pakistan?
Fixed deposits carry no market risk. In Pakistan, bank deposits are protected by the Deposit Protection Corporation (DPC), a subsidiary of the State Bank of Pakistan, up to PKR 1,000,000 per depositor, per bank (raised from a lower cap in 2026). They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Pakistan?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.