The State Bank of Pakistan (SBP) has announced significant changes to the rules governing minimum profit on bank deposits and formally launched ‘Invest Pak’, a new digital platform aimed at making investment in government securities more accessible.
According to an SBP statement, the revised regulations will come into effect on Aug 1, 2026. The central bank said the policy is designed to encourage greater participation by retail and corporate investors while improving returns on their investments.
Under the new rules, the minimum profit requirement on bank deposits will apply only to individual account holders. Customers maintaining an average monthly balance of up to Rs10 million in individual accounts will be eligible to receive the prescribed minimum profit.
The SBP has also eased investment rules for corporate and institutional investors, allowing them to invest directly in government securities.
To broaden access to government securities, including Treasury Bills (T-bills) and Pakistan Investment Bonds (PIBs), the central bank has introduced the ‘Invest Pak’ platform. The digital platform will enable both retail and corporate investors to invest in government securities through a simplified and secure process.
The SBP clarified that all other existing banking regulations and instructions will remain unchanged, except for the amendments announced under the revised framework.
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