Customer Services

We at Bank AL Habib continuously strive for excellence and make your experience a remarkable one with us through serving you at all touch points. Customer Satisfaction Survey Your participation in this survey is highly appreciated, as it will enable us to gain a deeper understanding of your experiences, needs and expectations. Your input is invaluable to us as we strive for excellence in customer satisfaction. We encourage you to take part in the survey and share your thoughts. Online Customer Survey Customer Awareness Service StandardsDownload PDF Know Your Rights and Responsibilities as a Bank’s Consumer.Download PDF Guidelines of Business Conduct for Banks.Download PDF Customer Awareness Brochure Click here to view details You received a suspicious email. If you inadvertently give out your personal information, call us at 111-014-014. Your debit card was lost or stolen. If your debit card was lost or stolen, call us at 111-014-014, where you can also temporarily block your debit card. Downloads Guidelines for Clearing Operations C

Declaration of Profit

Declaration of Profit on various Deposits for the Month ended February 28, 2026 Bank AL Habib Limited – Islamic Banking Division has declared the following Profit Rates: S. # Products Profit Rates 1 AL Habib Savings Deposit 7.38% 2 AL Habib Woman Islamic Savings Account 7.75% 3 AL Habib Woman Islamic Asaan Savings Account 7.75% 4 AL Habib Woman Islamic Digital Savings Account 7.75% 5 AL Habib Woman Islamic Asaan Digital Savings Account 7.75% 6 AL Habib Islamic Armed Forces Pensioner Savings Account (profit paid monthly) 7.38% 7 AL Habib Islamic Armed Forces Savings Account 7.38% 8 AL Habib Islamic Asaan Savings Account 7.38% 9 AL Habib Islamic Asaan Digital Savings Account 7.38% 10 AL Habib Islamic Digital Savings Account 7.38% 11 AL Habib Islamic Asaan Remittance Account 7.38% 12 AL Habib Islamic Remit Saving Account 7.38% 13 AL Habib Islamic Remit Digital Saving Account 7.38% 14 AL Habib Islamic Freelancer Account Savings 7.38% 15 AL Habib Islamic Freelancer Digital Account Savings 7.38% 16 Mahana Amdani Savings Account 7.38% 17 Al Habib Islamic Income Plus 0 - 499,999 7.38% 18 Al Habib Islamic Income Plus 500,000 - 999,999 7.38% 19 Al Habib Islamic Income Plus 1,000,000 - 2,499,999 7.38% 20 Al Habib Islamic Income Plus 2,500,000 - 4,999,999 7.38% 21 Al Habib Islamic Income Plus 5,000,000 - 9,999,999 7.38% 22 Al Habib Islamic Income Plus 10,000,000 - 24,999,999 7.38% 23 Al Habib Islamic Income Plus 25,000,000 - 49,999,999 7.38% 24 Al Habib Islamic Income Plus 50,000,000 - 99,999,999 7.38% 25 Al Habib Islamic Income Plus 100,000,000 - 199,999,999 7.38% 26 Al Habib Islamic Income Plus 200,000,000 - 499,999,999 7.50% 27 Al Habib Islamic Income Plus 500,000,000 & above 7.80% 28 Roshan Digital Savings Account 7.38% 29 AL Habib Tijarat Account (Current Remunerative) 0.01% 30 AL Habib Apna Individual Account (Current Remunerative) 0.01% 31 AL Habib Pay AC 0.01% 32 AL Habib Pay Plus AC 0.01% 33 AL Habib Islamic Young Savers Account 7.38% 34 AL Habib Islamic Senior Citizen Account (profit paid monthly) 7.75% 35 Term Deposit One Year Senior Citizen Account (profit paid monthly) 8.00% 36 Term Deposit - 7 Days 3.34% 37 Term Deposit - 1 month (1 - 9,999,999) 6.40% 38 Term Deposit - 1 month (10,000,000 - 24,999,999) 6.65% 39 Term Deposit - 1 month (25,000,000 - 49,999,999) 6.90% 40 Term Deposit - 1 month (50,000,000 - 99,999,999) 7.15% 41 Term Deposit - 1 month (100,000,000 & above) 7.40% 42 Term Deposit - 3 months (1 - 9,999,999) 6.60% 43 Term Deposit - 3 months (10,000,000 - 24,999,999) 6.80% 44 Term Deposit - 3 months (25,000,000 - 49,999,999) 7.00% 45 Term Deposit - 3 months (50,000,000 - 99,999,999) 7.20% 46 Term Deposit - 3 months (100,000,000 & above) 7.40% 47 Term Deposit - 6 months (1 - 9,999,999) 6.85% 48 Term Deposit - 6 months (10,000,000 - 24,999,999) 7.15% 49 Term Deposit - 6 months (25,000,000 - 99,999,999) 7.40% 50 Term Deposit - 6 months (100,000,000 & above) 7.60% 51 Term Deposit - 1 year (profit paid monthly) 7.50% 52 Term Deposit / AL Habib Salana Munafa - 1 Year - (1 - 9,999,999) (profit paid at maturity) 7.25% 53 Term Deposit / AL Habib Salana Munafa - 1 Year - (10,000,000 - 24,999,999) (profit paid at maturity) 7.50% 54 Term Deposit / AL Habib Salana Munafa - 1 Year - (25,000,000 - 49,999,999) (profit paid at maturity) 7.75% 55 Term Deposit / AL Habib Salana Munafa - 1 Year - (50,000,000 - 199,999,999) (profit paid at maturity) 8.00% 56 Term Deposit / AL Habib Salana Munafa - 1 Year - (200,000,000 & above) (profit paid at maturity) 8.25% 57 Term Deposit - 3 years (profit paid monthly) 5.49% 58 Term Deposit - 3 years - (1 - 9,999,999) 5.58% 59 Term Deposit - 3 years - (10,000,000 - 24,999,999) 5.58% 60 Term Deposit - 3 years (25,000,000 - 49,999,999) 5.58% 61 Term Deposit - 3 years (50,000,000 - 199,999,999) 5.58% 62 Term Deposit - 3 years (200,000,000 & above) 5.58% 63 Term Deposit - 5 years (profit paid at maturity) 5.19% 64 IFRE (Islamic Finance for Renewable Energy) 2.62% 65 ILTFF – 10 years (Textile) 2.15% 66 ILTFF – 5 years (Textile) 9.00% 67 ILTFF – 3 years (Textile) 5.35% 68 ILTFF – 10 years (Non-Textile) 3.00% 69 ILTFF – 5 years (Non-Textile) 4.50% 70 ILTFF – 3 years (Non-Textile) 2.75% 71 ITERF – (Islamic Temporary Economic Re-Finance) 1.00% 72 SBP - Islamic Refinance for Modernization of SMEs 2.00% 73 SBP - Islamic Financing Facility for Storage Product (IFFSAP) 2.75% 74 IB AL Habib Signature Account 0.01% 75 Charity Funds 7.38% 76 AL Habib Woman Saving Account 7.75% 77 AL Habib Woman Asaan Saving Account 7.75% 78 AL Habib Woman Digital Saving Account 7.75% 79 Pensioner Saving A/C 7.38% 80 AL Habib Asaan Saving Account 7.38% 81 AL Habib Asaan Digital Saving Account 7.38% 82 AL Habib Remit Account Savings 7.38% 83 AL Habib Freelancer Account PKR 7.38% 84 SB Monthly Profit 7.38% 85 AL Habib Mahana Munafa Account 7.38% 86 AL Habib Special Saver Base 7.38% 87 AL Habib Monthly Saver 7.38% 88 AL Habib Young Savers Account 7.38% 89 AL Habib Senoir Citizen Monthly Savings Account 7.75%   Foreign Currency-USD S. # Product Profit Rates 1 Saving Account USD (0-4,999) 1.00% 2 Saving Account USD (5,000-9,999) 1.24% 3 Saving Account USD (10,000-24,999) 1.46% 4 Saving Account USD (25,000-99,999) 1.77% 5 Saving Account USD (100,000 & Above) 2.05% 6 Roshan Digital Saving Account USD (0 - 4,999) 1.00% 7 Roshan Digital Saving Account USD (5,000 - 9,999) 1.24% 8 Roshan Digital Saving Account USD (10,000 - 24,999) 1.46% 9 Roshan Digital Saving Account USD (25,000 - 99,999) 1.77% 10 Roshan Digital Saving Account USD (100,000 & Above) 2.05% 11 AL Habib Foreign Currency Saver (0-4,999) 1.00% 12 AL Habib Foreign Currency Saver (5,000 - 9,999) 1.24% 13 AL Habib Foreign Currency Saver (10,000 - 24,999) 1.46% 14 AL Habib Foreign Currency Saver (25,000 - 99,999) 1.77% 15 AL Habib Foreign Currency Saver (100,000 - 999,999,999,999,998) 2.05% Foreign Currency- EURO & GBP S. # Product Profit Rates 1 Saving Account EURO & GBP (0-4,999) 0.83% 2 Saving Account EURO & GBP (5000-9,999) 1.02% 3 Saving Account EURO & GBP (10,000-24,999) 1.54% 4 Saving Account EURO & GBP (25,000-99,999) 1.76% 5 Saving Account EURO & GBP (100,000 & Above) 1.95% 6 Roshan Digital Saving Account EURO & GBP (0 - 4,999) 0.83% 7 Roshan Digital Saving Account EURO & GBP (5,000 - 9,999) 1.02% 8 Roshan Digital Saving Account EURO & GBP (10,000 - 24,999) 1.54% 9 Roshan Digital Saving Account EURO & GBP (25,000 - 99,999) 1.76% 10 Roshan Digital Saving Account EURO & GBP (100,000 & Above) 1.95% 11 NEW FCY SAVING STG (0 - 4,999) 0.83% 12 NEW FCY SAVING STG (5000 - 9,999) 1.02% 13 NEW FCY SAVING STG (10000 - 24,999) 1.54% 14 NEW FCY SAVING STG (25000 - 99,999) 1.76% 15 NEW FCY SAVING STG (100000 - 999,999,999,999,998) 1.95% 16 AL Habib Foreign Currency Saver GBP (0 - 4,999) 0.83% 17 AL Habib Foreign Currency Saver (5000 - 9,999) 1.02% 18 AL Habib Foreign Currency Saver GBP (10000 - 24,999) 1.54% 19 AL Habib Foreign Currency Saver GBP (25000 - 99,999) 1.76% 20 AL Habib Foreign Currency Saver GBP (100000 - 999,999,999,999,998) 1.95% 21 AL Habib Foreign Currency Saver EUR (0 - 4,999) 0.83% 22 AL Habib Foreign Currency Saver EUR (5000 - 9,999) 1.02% 23 AL Habib Foreign Currency Saver EUR (10000 - 24,999) 1.54% 24 AL Habib Foreign Currency Saver EUR (25000 - 99,999) 1.76% 25 AL Habib Foreign Currency Saver EUR (100000 - 999,999,999,999,998) 1.95% General LCY Pool TDR for C2I Conversion S. # Product Profit Rates 1 TERM DEPOSIT 1 MONTH (PKR) 9.00% 2 TERM DEPOSIT 3 MONTH (PKR) 8.50% 3 ALHABIB SALANA MUNAFA 9.60% 4 ALHABIB SALANA MUNAFA 10.50% 5 ALHABIB MAHANA MUNAFA 1 YEAR 9.50% 6 ALHABIB MAHANA MUNAFA 1 YEAR 10.00% 7 ALHABIB MAHANA MUNAFA 1 YEAR 10.25% 8 ALHABIB MAHANA MUNAFA 2 YEAR 7.50% 9 ALHABIB MAHANA MUNAFA 5 YEAR 10.25% 10 ALHABIB MAHANA MUNAFA 5 YEAR 13.00% 11 ALHABIB MAHANA MUNAFA 5 YEAR 13.50% The above declared profit rates have been approved by the Resident Shariah Board Member (RSBM).

Personal Banking

Current Accounts Saving Accounts Foreign Currency Accounts Term Deposit Islamic Apni Car Locker Facility Ways to Bank Bank Accounts AL Habib Islamic Banking offers a range of Bank Accounts to meet your personal needs. Compare and choose the account that suits your needs with the peace of mind that your money is handled in a Shariah compliant way.

Reporting Of Violations

Reporting Of Violations Employees are required to report any violation of this Code, including any matters arising from unethical practices, in accordance with our “Policy on Employees’ Duty to Report”. Customers and other persons dealing with the Bank should report any complaint they may have, including any violation of this Code, to the immediate supervisor of the Bank’s employee(s) with whom they have been dealing, or to the respective Zonal Office or the respective Divisional/Departmental Head at the Principal Office of the Bank. They can also visit the Bank’s website to report the complaint or the violation. Employees, customers, and other persons dealing with the Bank, who report a violation or lodge a complaint, will be protected against any harassment or retaliatory action.

Details of SCD Personnel

f Shariah Compliance Department (SCD) Personnel Head Shariah Compliance Department Mr. Syed Jawad Hussain Rizvi +92-21-32463058 UAN UAN: 111-786-110 Ext. 531 Email jawad.hussain@bankalhabib.com

Term Deposits

Roshan Apni Car

We are now offering Roshan ApniCar (Auto Finance) facility to individuals having a Roshan Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse / parents / children residing in Pakistan. Apply Now Roshan Apni Car Calculator Product Eligibility Criteria Financing facility under Shariah compliant mode for brand new locally assembled vehicles. Non-Resident Roshan Digital Account (RDA) holder at Bank AL Habib Limited (BAHL) with Resident Pakistani Spouse / parents / children as co-borrower or Resident Pakistani having RDA at BAHL. Having minimum working experience as follows: Regular Salaried individuals with minimum 2 years experience of current employer. Contractual Salaried individual with minimum 3 years experience. Self-Employed Professionals (SEP) and Business Individuals with minimum 3 years experience in similar profession / professional setup. Having minimum net monthly Income of: Employed / Working in Gulf Countries: Equivalent to DHS 10,000/- Employed / Working in Non Gulf Countries: Equivalent to USD 3,000/- Minimum Customer participation 15-45% depending upon the variant of vehicle. Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency / Resident Card for Gulf Countries. Having clear credit history. Vehicle to be registered in the name of borrower or spouse / parent / child as co-borrower. Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR Account. For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on foreign currency deposit. Processing fee, documentation etc to be charged as per the Bank’s Schedule of Charges. Minimum age at the time of application: 25 years. Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP. For lien based facility, minimum experience, minimum Down Payment, minimum income requirement and restrictions of stated jurisdictions shall not be applicable. Product pricing Rate Lien Product Non-Lien Product Variable Rates SBP Floor+1.0% KIBOR+1.0% Fixed Rates Certificate of Deposit Rate (COD*) + 1% Respective (PKRV**) + 1.5% *Prevailing Certificate of deposit rate of Bank AL Habib Mahana Munafa account for respective tenure to be applied. **Respective PKRV of the last day of previous month to be applied. Notes Current SBP Floor is 15% pa and is available at the following SBP link: https://www.sbp.org.pk/ecodata... KIBOR is published on a daily basis at the following SBP link: https://www.sbp.org.pk/ecodata... Pricing of the fixed rate financing remain unchanged till maturity of the financing. However, if market conditions change, banks can offer a revised price at the start of the financing period. Below mention fixed rates are applicable for the month of April 2023 Fixed Rates (Lien Based) Tenure COD Rate Bank's Spread Applicable Rate 2 Year 16.00% 1.00% 17.00% 3 Year 14.00% 1.00% 15.00% 4 Year 14.00% 1.00% 15.00% 5 Year 13.00% 1.00% 14.00% Fixed Rates (Non-Lien Based) Tenure PKRV Bank's Spread Applicable Rate 2 Year 19.32% 1.50% 20.82% 3 Year 18.33% 1.50% 19.83% 4 Year 15.51% 1.50% 17.01% 5 Year 15.23% 1.50% 16.73% 6 Year 15.27% 1.50% 16.77% 7 Year 15.27% 1.50% 16.77% Takaful Without Tracker With Tracker Value Added Services (apart from comprehensive coverage-bumper to bumper) EFU 1.40% 1.99% 1.50% 1.99% Accidental death Coverage up to PKR 2.5 Million Jubilee 1.75% 1.99% 2.25% 2.50% 1) Full outstanding finance amount to be paid in the event of accidental death of Roshan Digital Account Holder. 2) Free Medical expense cover upto PKR 1 Million, in case of hospitalization of RDA holder for 30 days during stay in Pakistan. UBL Insurer 1.40% 1.89% 2.90% 3.50% Accidental death Coverage up to PKR 2.5 Million Adamjee 1.50% 1.99% 2.90% 3.50% 1) Accidental death Coverage up to PKR 2.5 Million 2) Health Takaful plan up to 20.00% of vehicle or PKR 500,000 whichever is less 3) Online Medical consultancy 4) Travel Takaful Plan up to USD 50,000 Habib 1.38% 1.85% 1) Accidental Death Coverage up to PKR 2.5 Million 2) Payment of full outstanding auto finance amount in case of RDA holder’s death 3) Travel Takaful Plan up to USD 50,000 4) Tracker Facility from A rated Company 5) Speedy Claim Approvals because designated surveyors has been deputed Century 1.75% 2.25% Accidental Death Coverage of principal amount or maximum up to PKR 2.5 Million Delivery time - by manufacturers ( Approx period) Manufacturer Variants Tentative Delivery Time Offer by Manufacturer Honda Atlas City 2 to 3 months No Priority Delivery Civic 3 to 4 months BRV 2 months Kia Sportage 3 months Priority delivery up to half from the actual tentative delivery time Picanto 3 months Carnival 2 months Sorento 4 months Indus Motors Yaris 2 to 3 months Delivery time will be communicated as per manufacturer's confirmation Corolla 1.6 & 1.8 6 to 7 months Fortuner 6 to 7 months REVO 6 to 7 months Grande 6 to 7 months Pak Suzuki Alto 2 months Delivery time will be communicated as per manufacturer's confirmation Cultus 4 months Wagon-R 2 months Bolan 2 months Ravi 2 months Swift 3 months Hyundai Tucson 6 to 7 months Stock available (subject to vehicle's colour availability) Co-Applicant For Non-Resident RDA holder, Resident Pakistani shall be added as co-applicant for vehicle registration and legal documentation purpose. .btn-roshan{ color: #15804F; background-color: #fff; border-color: #15804F;} ol{list-style:none;} .tableCustomizer tr td:last-child { border-right: 1px solid #ddd !important; }

Contact Us

(+92 21) 111 - 014 - 014 For Queries/Request: info@bankalhabib.com For Complaints: feedback@bankalhabib.com Find your Nearest Branch Contact Us Drop us a Line You can contact us for complaints, general enquiries and specific questions about product and service offerings. We look forward to hearing from you. *(For communication purpose only) Select an option Inquiry Complaint Feedback/Suggestions Select a complaint type Visa Debit Funds Transfer Utility Bill Payment Captcha is required Submit While sending your feedback or lodging a complaint, please make sure to provide your complete information (Email address/Mobile Number). We will attempt to resolve the issue as soon as possible and update you within 7 to 15 working days. Your feedback is important to us and we thank you for your relationship with Bank AL Habib Limited. Our Zonal Offices Karachi Zonal Office 5TH Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412986 Fax: (021) 32401171 Sindh and Baluchistan (Zonal Office) 2nd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32471801 Fax: (021) 32401180 Lahore Zonal Office Awami Complex, 1-4, Usman Block Front, Block No.6 - New Garden Town, Lahore Tel: (042) 35865380-91 Fax: (042) 35831704 Multan Zonal Office 126/C, Old Bahawalpur Road, Multan. Tel: (061) 4580314-6 Fax: (061) 4782309 Faisalabad Zonal Office Ahmad Plaza, Bilal road, Civil Lines Faisalabad. Tel: (041) 2601925-28 , 2601904-08 Fax: (041) 2601912 Gujranwala Zonal Office Opposite Iqbal High School, G.T. Road, Gujranwala Tel: (055) 3821042 Fax: (055) 3821043 North Zonal Office 78TH W, 2ND Floor, Roshan Center, Blue Area, Islamabad. Tel: (051) 2605919-22 Fax: (051) 2605948 KPK Zonal Office Plot No. 784/75, Islamabad Corporate Centro, Opposite CMT and SD, Golra Road, Islamabad. Tel: (051) 5495853-55 Fax: (051) 2605948 Our Head Office and Business Units Islamic Banking Division Office 3rd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 Fax: (021) 32463142 Agriculture Division Head of Agriculture Division, Lahore Mr. Fiaz Ahmed Malik Land Line: 042-3597 2281-2 Portfolio Manager, Agriculture Division, Lahore Mr. Shahid Bashir Khokhar Land Line: 042-3597 2281- 2 Corporate Division 4th Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 UAN: 111-786-110 Bahrain Branch Customer Complaints Contact Details Customer Complaint Customer Complaint Officer Abdulla Saleh AL Hammadi Monday - Friday (9:00 AM to 5:00 PM) Email : feedback.bahrain@bankalhabib.com Contact Number: (+973) 17 564044 Stay Connected Join our mailing list to get updates in your mailbox @media screen and (max-width: 390px){ .mobile-padding{padding:0px !important;} .p-4.contactUsWrapper { padding-left: 8px !important; padding-right: 8px !important; } .accordion-list-items .card-link + .collapse > div:first-of-type { overflow-x: hidden; } #recaptcha > div:first-of-type iframe { width: auto !important; } } @media screen and (max-width: 767px){ #recaptcha > div:first-of-type iframe { width: auto !important; border-right: 1px solid #ccc; height: 76px; } } label.error{color:#ff0000;margin-top:5px;}

Historical Profit Sharing Ratio & Weightages

Customer Complaint

We strive to make your experience with Bank AL Habib pleasant and memorable. If you have any complaints, please register by clicking below Complaint Procedure Email Us feedback@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator If you want to reach us Click Here SBP Launches Sunwai - A Customer Complaint Management Portal Customers may register their complaint related to banking services, through ‘ Sunwai – A Customer Complaint Management Service by SBP ' accessible through web browser (https://sunwai.sbp.org.pk) as well as mobile application, both for Android and IOS users. Lodge Complaint × You may also submit your suggestion/complaint at the website now.Are you sure want to proceed further? Proceed #main-slider .carousel-inner .sliderImg{ background-position:center 25% !important; }