Dubai Islamic Bank Profit Rates
Part of PakFinHub's DIB coverage — deposit profit rates and product weightages.
- Mudarabah-Based
- Published Monthly
Dubai Islamic Bank profit rates aren't fixed in advance the way conventional interest rates are — they're calculated after the fact from actual pool earnings, then published monthly. This page walks through the mechanism, and where to find the current month's numbers.
How DIB Calculates Profit Rates
By depositing into a Mudarabah-based account — savings, term deposit/fixed deposit — the customer acts as Rabbul-Maal (fund provider) and DIBPL acts as Mudarib (fund manager). DIBPL pools these deposits together with shareholders' equity into its Common Mudaraba Pool, then invests that pool in Shari'a-compliant financing and assets. At the end of each month, DIBPL calculates the actual income the pool generated, and profit is distributed between the bank and depositors according to a pre-agreed profit-sharing ratio and weightages set at the start of that month — not a rate promised in advance.
Mudarabah mechanism confirmed verbatim from DIBPL's official Savings Account and Fixed Deposit product pages (dibpak.com).
What Determines Your Weightage
Tenor
Longer-tenor deposits (e.g. a 2-year fixed deposit vs a 1-year one) carry a higher weightage, meaning a larger profit share.
Deposit Amount
Larger balance tiers are assigned progressively higher weightages within the same tenor.
Profit Payment Frequency
Monthly, quarterly, semi-annual, or at-maturity payout options each carry their own weightage.
Weightage criteria confirmed from DIBPL's official Product Weightages page (dibpak.com/index.php/product-weightages/).
Where to Check the Current Month's Actual Rates
Because Shari'a principles don't allow a bank to commit to a profit rate in advance, DIB cannot publish next month's rate today — it can only confirm the rate after the pool's actual income for that month is known. DIB publishes a "Weightage & Profit Sharing Ratio Announcement" document every month on its official website with the exact current figures by tenor and deposit tier. Because these change monthly, any specific percentage published anywhere — including on this page — should be treated as historical unless it's from that current month's official DIB announcement.
Monthly announcement format confirmed from DIBPL's officially published Weightage & Profit Sharing Ratio Announcement documents (dibpak.com).
Fixed Deposit Tenor Options
DIB's Fixed Deposit (Term Deposit) accounts are available in tenors of 1, 3, and 6 months, or 1, 2, 3, 5, and 7 years, with a minimum investment of Rs. 100,000 or USD 2,000, and profit payable monthly, quarterly, semi-annually, or at maturity. Premature encashment recalculates profit based on the weightage of the tier the deposit actually stayed in, not the original booked tier.
Tenor and minimum investment confirmed from DIBPL's official Fixed Deposits page.
Savings Profit Rates (Monthly / Quarterly Payout)
Savings Special (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than Rs. 1 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 1 million to Rs. 9.99 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 10 million to Rs. 49.99 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 50 million and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than Rs. 1 million | 4.50% | N/A | N/A |
| MDR Non-Applicable | Rs. 1 million to Rs. 9.99 million | 4.55% | N/A | N/A |
| MDR Non-Applicable | Rs. 10 million to Rs. 49.99 million | 4.60% | N/A | N/A |
| MDR Non-Applicable | Rs. 50 million and above | 4.65% | N/A | N/A |
Savings Plus (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 500K | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 500K to Rs. 999.9K | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 1 million to Rs. 9.99 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 10 million to Rs. 49.99 million | N/A | 5.85% | 7.41% |
| MDR Applicable | Rs. 50 million and above | N/A | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 500K | 4.50% | N/A | N/A |
| MDR Non-Applicable | Rs. 500K to Rs. 999.9K | 4.60% | N/A | N/A |
| MDR Non-Applicable | Rs. 1 million to Rs. 9.99 million | 4.65% | N/A | N/A |
| MDR Non-Applicable | Rs. 10 million to Rs. 49.99 million | 4.80% | N/A | N/A |
| MDR Non-Applicable | Rs. 50 million and above | 5.00% | N/A | N/A |
Savings Regular / RDA (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 100k | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 100K and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 100k | 4.50% | N/A | N/A |
| MDR Non-Applicable | Rs. 100K and above | 4.60% | N/A | N/A |
E-Savings (Quarterly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 10K | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 10K to Rs. 99.99K | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 100K and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 10K | N/A | N/A | N/A |
| MDR Non-Applicable | Rs. 10K to Rs. 99.99K | N/A | N/A | N/A |
| MDR Non-Applicable | Rs. 100K and above | N/A | N/A | N/A |
Enhanced Saving (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than Rs. 1 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 1 million to Rs. 9.99 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 10 million to Rs. 49.99 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 50 million and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than Rs. 1 million | 4.50% | N/A | N/A |
| MDR Non-Applicable | Rs. 1 million to Rs. 9.99 million | 4.55% | N/A | N/A |
| MDR Non-Applicable | Rs. 10 million to Rs. 49.99 million | 4.60% | N/A | N/A |
| MDR Non-Applicable | Rs. 50 million and above | 4.65% | N/A | N/A |
Asaan Digital Account / Asaan Saving Account (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 100k | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 100K and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 100k | N/A | N/A | N/A |
| MDR Non-Applicable | Rs. 100K and above | N/A | N/A | N/A |
Johara Account / Asaan Johara Account (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 100k | 6.05% | 5.85% | 7.41% |
| MDR Applicable | 100k to 5 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 5 million and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 100k | 5.00% | N/A | N/A |
| MDR Non-Applicable | 100k to 5 million | 5.25% | N/A | N/A |
| MDR Non-Applicable | Rs. 5 million and above | 5.50% | N/A | N/A |
Senior Citizen / Muaawin / Widows / Pensioner Accounts (Monthly Payout)
| Tier | Balance / Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| MDR Applicable | Less than 100k | 6.05% | 5.85% | 7.41% |
| MDR Applicable | 100k to 5 million | 6.05% | 5.85% | 7.41% |
| MDR Applicable | Rs. 5 million and above | 6.05% | 5.85% | 7.41% |
| MDR Non-Applicable | Less than 100k | 5.25% | N/A | N/A |
| MDR Non-Applicable | 100k to 5 million | N/A | N/A | N/A |
| MDR Non-Applicable | Rs. 5 million and above | 5.75% | N/A | N/A |
Source: DIB Pakistan Historical Rate Sheet, August 2026. Rates are annualised percentages under the Mudarabah pool, and can change month to month. MDR (Minimum Deposit Rate) applies to individuals keeping a monthly average balance up to Rs 10 million in a PKR savings account, per SBP BPRD Circular No. 15 of 2016.
Regular Fixed Deposit Rates (Profit at Maturity)
| Tenor | Deposit Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| 1 Month | Rs.100k to Rs. 999k | 5.00% | 5.00% | 5.00% |
| 1 Month | Rs. 1 million to Rs. 9.99 million | 5.15% | 5.15% | 5.15% |
| 1 Month | Rs.10 mln to Rs.99.99 mln | 5.30% | 5.30% | 5.30% |
| 1 Month | Rs. 100 mln and above | 5.45% | N/A | N/A |
| 3 Month | Rs.100k to Rs. 999k | 5.50% | 5.50% | 5.50% |
| 3 Month | Rs. 1 million to Rs. 9.99 million | 5.65% | 5.65% | 5.65% |
| 3 Month | Rs.10 mln to Rs.99.99 mln | 5.75% | 5.75% | 5.75% |
| 3 Month | Rs. 100 mln and above | N/A | N/A | N/A |
| 6 Month | Rs.100k to Rs. 999k | 5.50% | 5.50% | 5.50% |
| 6 Month | Rs. 1 million to Rs. 9.99 million | 5.70% | 5.70% | 5.70% |
| 6 Month | Rs.10 mln to Rs.99.99 mln | 5.90% | 5.90% | 5.90% |
| 6 Month | Rs. 100 mln and above | N/A | N/A | 6.00% |
| 1 year | Rs. 100k to Rs. 999k | 5.60% | 5.60% | 5.60% |
| 1 year | Rs. 1 mln to Rs. 9.99 mln | 5.70% | 5.70% | 5.70% |
| 1 year | Rs. 10 mln and above | 5.80% | 5.80% | 5.80% |
| 2 Years | Flat | 5.90% | 5.90% | 5.90% |
| 3 Years | Flat | 6.00% | 6.00% | 6.00% |
| 5 Years | Flat | 6.10% | 6.10% | 6.10% |
| 7 Years | Flat | 6.20% | 6.20% | 6.20% |
Regular Fixed Deposits also offer Monthly, Quarterly, and Half Yearly payout options at slightly lower rates than the Profit at Maturity option shown here; see DIB's rate sheet for those schedules.
Premium Term Deposit Rates (Profit at Maturity)
| Tenor | Deposit Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| 1 Month | Rs. 100K to Rs. 2.49 mln | 5.50% | 5.50% | 5.50% |
| 1 Month | Rs. 2.5 mln to Rs. 9.99 mln | 5.75% | 5.75% | 5.75% |
| 1 Month | Rs 10 mln above | 6.00% | 6.00% | 6.00% |
| 3 Month | Rs. 100K to Rs. 2.49 mln | 6.15% | 6.15% | 6.15% |
| 3 Month | Rs. 2.5 mln to Rs. 9.99 mln | 6.25% | 6.25% | 6.25% |
| 3 Month | Rs 10 mln above | 6.35% | 6.35% | 6.35% |
| 6 Month | Rs. 100K to Rs. 2.49 mln | 6.00% | 6.00% | 6.00% |
| 6 Month | Rs. 2.5 mln to Rs. 9.99 mln | 6.10% | 6.10% | 6.10% |
| 6 Month | Rs 10 mln above | N/A | N/A | N/A |
| 12 Month | Rs. 100K to Rs. 2.49 mln | 6.50% | 6.50% | 6.50% |
| 12 Month | Rs. 2.5 mln to Rs. 9.99 mln | 6.75% | 6.75% | 6.75% |
| 12 Month | Rs 10 mln above | 6.85% | 6.85% | 6.85% |
Premium Term Deposit requires a higher minimum than Regular Fixed Deposits and pays a higher rate at each matching tenor and slab.
Foreign Currency Deposit Rates (Monthly Payout)
| Product | Slab | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|---|
| Saving | Less than USD 500 | 0.25% | 0.25% | 0.25% |
| Saving | USD 500 and above | 0.50% | 0.50% | 0.50% |
| 1 Year Time Deposit | USD 2k to 99.99k | 0.40% | 0.40% | 0.40% |
| 1 Year Time Deposit | USD 100k and above | N/A | 0.65% | 0.65% |
Covers AED, USD, EUR and GBP accounts under RDA, Johara and Freelancer FCY products. Most tenor/slab combinations show N/A in DIB's sheet for these three months, meaning no rate was announced for that combination.
DIB Sukuk Rates
| Instrument | Aug-26 | Jul-26 | Jun-26 |
|---|---|---|---|
| DIB Additional Tier 1 Sukuk (Monthly) | 13.58% | 13.58% | 13.13% |
| DIB Additional Tier 2 Sukuk (Half Yearly) | 13.29% | 13.29% | 13.24% |
DIBPL's own Additional Tier 1 and Tier 2 Sukuk profit rates, distinct from customer deposit products.
Special Pools and Refinance Schemes
DIB's rate sheet also lists profit for several Special Pools (SSPKR, SSFPP, SSFCY, SSTDR), each covering hundreds of numbered negotiated-rate categories for large or institutional depositors, plus a set of SBP Islamic refinance schemes for agriculture storage, textile and non-textile long-term financing, renewable energy, SME modernisation, and COVID and women-entrepreneur refinance facilities, each carrying its own concessional rate. These are specialised, negotiated or scheme-based rates rather than standard retail products, so they are not reproduced line by line here; treat the tables above as the retail rate reference and confirm a Special Pool or refinance rate directly with DIB if it applies to you.
How MDR Works
Under SBP's Minimum Deposit Rate rule, an individual keeping a monthly average balance up to Rs 10 million in a PKR savings account gets the MDR-applicable rate, which is DIB's guaranteed floor for that product. Above that balance, or for non-individual accounts, the MDR-Non-Applicable rate applies instead, and that rate is set purely by the Mudarabah pool's actual profit, so it moves more and can sit well below the MDR-applicable rate, as the Savings Special table above shows for August 2026.
Rate Archive
This page will be updated as DIB releases each month's rate sheet, so the Aug-26/Jul-26/Jun-26 columns above become a rolling three-month view rather than a one-time snapshot.
Dubai Islamic Bank Profit Rates FAQs
Why doesn't Dubai Islamic Bank publish a fixed profit rate in advance?
Because its accounts operate under Mudarabah, an Islamic profit-and-loss sharing contract — the rate can only be confirmed after actual pool income for the month is known, then published as that month's official rate.
What determines my Dubai Islamic Bank profit weightage?
Three factors: the tenor of your deposit, the deposit amount tier, and your chosen profit payment frequency.
Why You Can't Compare This Directly to a Conventional Bank's Rate
A conventional bank tells you the interest rate before you deposit; DIB can only tell you what last month's Mudarabah pool actually earned, distributed according to that month's weightages. That's not a marketing distinction — it's a structural one required by Shari'a principles against a bank guaranteeing a fixed return on a profit-and-loss sharing arrangement. The practical implication for comparing DIB against a conventional savings account: don't compare DIB's most recently published rate against a conventional bank's currently advertised rate as if they're the same kind of number. DIB's figure is a confirmed historical result; a conventional bank's is a forward commitment. The two are answering different questions even when the percentages look similar.
What Premature Encashment Actually Means for Your Return
If you booked a 2-year Fixed Deposit but need the funds after 8 months, DIB doesn't simply apply the 2-year weightage pro-rata for the time held — it recalculates your profit using the weightage of whichever shorter tier your money actually stayed in. In practice, this usually means a meaningfully lower profit share than what the 2-year rate would have suggested, since shorter tenors typically carry lower weightages by design. Before booking a longer tenor specifically for its higher weightage, it's worth being realistic about whether you're likely to need the funds before maturity — the higher published rate for longer tenors assumes you'll actually hold to maturity to get it.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: October 31, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth. For the Islamic contract behind this product, see DIB products and Islamic contracts explained. Profit rate tables above are reproduced from DIB Pakistan's Historical Rate Sheet for August 2026 (with July and June 2026 shown for comparison), and will be refreshed as DIB releases new monthly sheets.
Good For
- Understanding why DIB can't quote a profit rate in advance
- Knowing what determines a higher or lower weightage on your deposit
- Finding DIB's official monthly rate announcement instead of an outdated third-party figure
- Comparing Fixed Deposit tenor and payout frequency options
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