Deposit Accounts

Sindh Bank Saving Account & Deposit Guide

Every savings, current, and term deposit account Sindh Bank offers, in one place.

• Conventional & Islamic
• Women-Focused Options

Sindh Bank saving account holders can choose from several deposit products depending on whether they want everyday liquidity, dedicated savings growth, or a fixed-term profit rate. Because Sindh Bank runs both conventional and dedicated Islamic Banking branches, most account types are available in either structure.

Account Types

Account list confirmed from Sindh Bank's official Products & Services pages, including Savings Accounts, Current Accounts, Term Deposits, and Women Empowerment Products.

How Account Opening Works

To open any Sindh Bank saving account, you'll typically need a valid CNIC, proof of income or occupation, and to visit a branch or use the bank's Asaan Digital Account onboarding portal for select digital account types. Debit card eligibility for a Visa Classic card requires you to be at least 18 years old and hold a current account with the bank.

Good For

• Comparing Sindh Bank's savings, current, and term deposit options before opening one
• Finding an account designed specifically for women or children
• Understanding the Asaan Account route for simplified financial inclusion
• Checking which accounts are also available in Islamic Banking form

Profit Rates: What Actually Determines Them

Sindh Bank saving account profit rates are not fixed indefinitely — they move with the State Bank of Pakistan's policy rate and the bank's own internal treasury decisions, the same way profit rates at every commercial bank in Pakistan do. On the General Savings Account, Sindh Bank's own published terms set the rule directly: profit is linked to the SBP repo rate, with a floor of 50 basis points below the prevailing repo rate, revised from the 1st of the month following any SBP repo rate change. Rather than publishing a single headline number that goes stale within weeks, Sindh Bank lists its live profit rates and Kibor-linked benchmarks on dedicated pages (Kibor Rates and Attractive Deposit Schemes) that update as conditions change. If you're comparing a Sindh Bank saving account against a term deposit or another bank's savings product, always pull the current rate from the official page rather than relying on a number quoted elsewhere, since even a one percentage point difference compounds meaningfully over a full year on a larger balance.

Minimum Balance by Account Type

Unlike the profit rate itself, minimum balance requirements are fixed figures published in the account terms and don't move with SBP policy — useful for a direct side-by-side comparison.

Sindh Bank also offers a Foreign Currency Savings Account (USD, EUR, GBP, and other permissible currencies) on a profit-and-loss sharing basis, with profit distributed semiannually in January and July — a distinct product from the rupee-denominated accounts above, worth its own line item when comparing FCY options across banks.

Free Facilities by Account, Per the Official Schedule of Charges (Jul–Dec 2026)

Beyond the minimum balance, each Sindh Bank deposit product bundles a different set of free facilities once you meet its threshold — this is where the real account-to-account (and bank-to-bank) comparison value is, since these perks are rarely put side by side.

Note that "Sukoon" and "Azadi" also each name a lending product (Sukoon Salary Loan, Azadi Salary Loan) separate from the deposit accounts above — worth double-checking which "Sukoon" or "Azadi" product a rate or fee applies to when comparing across sources.

Audited Islamic Banking Profit Rates (CY2025)

Sindh Bank also runs a dedicated Islamic Banking Division — branded Saadat Islamic Banking — which grew significantly in 2025 with 44 conventional branches converted to Islamic Banking branches during the year. Because Islamic deposit pools operate on a profit-sharing (Mudaraba) basis rather than a fixed interest rate, the audited CY2025 annual report discloses the actual pool-level profit rate for the year: profit rate earned on the general deposit pool was 11.50% (down from 19.61% in CY2024), of which 8.51% was distributed to depositors (down from 11.35% in CY2024), with the remaining share retained as the bank's Mudarib fee under the pre-agreed profit-sharing ratio. These are audited, dated figures rather than a live quoted rate, but they're a genuinely comparable data point that's currently missing from Sindh Bank's own consumer-facing Islamic Banking pages.

More on Sindh Bank

Choosing the Right Account for Your Goal

Before opening any Sindh Bank saving account, it helps to separate what you actually need: everyday liquidity points toward a current account, steady growth on idle funds points toward a standard savings account, and a fixed goal with a known timeline points toward a term deposit. Customers who qualify for a women-focused or youth account should generally take it — the Mohtarma Account, Women Empowerment Account, and Young Talent Account typically carry better terms than the general-purpose savings account for the same balance tier. Whichever Sindh Bank saving account you choose, confirm the minimum balance requirement in advance, since falling below it can mean losing the advertised profit rate for that period.

For independent verification, see State Bank of Pakistan, SECP, Sindh Bank Limited.

Frequently Asked Questions

Compare Sindh Bank With

See how Sindh Bank stacks up against other Pakistani banks covering similar ground.

Last Verified: August 24, 2026  |  Fee figures valid until: December 31, 2026 (per the official Schedule of Charges, Jul–Dec 2026 — confirm with the bank if applying after this date)