Personal bank deposits in Pakistan have surged to Rs. 16 trillion, making up nearly half of the country’s total deposits of Rs. 33.8 trillion recorded by August 2025. This rise shows growing trust in formal banking among ordinary citizens.
The increase reflects savings from a wide cross-section of society — salaried workers, freelancers, small business owners, students, and households — who are increasingly using banks for secure savings and transactions. Experts say this trend strengthens banks’ funding bases and supports lending capacity.
Private sector deposits contributed Rs. 6.8 trillion, while government deposits accounted for 15.2% of the total. Non-resident deposits and other categories make up the remainder, highlighting the diversity of Pakistan’s deposit mix.
Analysts view the shift as a sign of greater financial inclusion: more people are opening accounts and relying less on informal channels. This growing deposit base is expected to boost banks’ ability to finance investment and support economic activity.
