The SBP saving deposit rule has been revised as the State Bank of Pakistan launched InvestPak for direct investment in government securities.
The central bank announced the changes in BPRD Circular Letter No. 15, issued on July 6, 2026.
Under the new instructions, the minimum profit rate requirement on saving deposits will apply only to deposits of natural persons with a monthly average balance of up to PKR 10 million.
The SBP said InvestPak will allow retail, corporate and institutional investors to invest directly in government securities through a digital platform.
The central bank said the platform will provide a convenient, efficient and secure channel for placing savings in government securities.
The SBP said institutional and sophisticated investors can use InvestPak to access government securities and seek better returns.
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The measure aims to diversify the investor base for government securities while supporting competitive returns, according to the circular.
The revised instructions will take effect from August 1, 2026. The SBP said all other instructions on the subject will remain unchanged.
