Cash Management

Services We Offer To provide value added services is part of our mission statement. When it comes to optimize cash flows and liquidity of our clients, we tailor need-based solutions for them. Our Cash Management suite of products and services is geared towards addressing business and operational complexities of clients with the objective to streamline their receivables and payables. With our branch network of 1252 Branches (inclusive of Sub-Branches & Islamic Banking Branches) in 499 cities / towns of Pakistan, scalable systems and experienced product specialists, we add significant efficiencies in streamlining cash flows and financial operations of clients. Following products and services are readily available under the ambit of Cash Management: Collections Collection Solutions for Corporates, SME & Commercial clients etc Utility Bills Collection Arrangements Domestic (LCY) Correspondent Banking Services to F.Is School Fee Collection Arrangements (via Branches & iBanking/ATMs) Club Fee Collection Arrangements (via Branches & iBanking/ATMs) Bar Code Enabled Bills / Fee Collection Solutions for Schools & Clubs General Public Flotations – (TFCs / IPOs / Rights Shares Arrangements) API Based Collection Solutions Special Receipts Issuance & Collection Solution Collection Arrangements (via internet banking, Mobile Apps & ATMs of other banks) using services of Aggregator

Corporate Social Responsibility

The Bank is fully committed to the concept of Corporate Social Responsibility and fulfills this responsibility by engaging in a wide range of activities which include: Corporate philanthropy amounting to Rs. 159.8 million by way of donations during the year for health, social and educational development and welfare of under-privileged people; Energy conservation, environmental protection, and occupational safety and health by restricting unnecessary lighting, implementing tobacco control law and “No Smoking Zone”, and providing a safe and healthy work environment; Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank’s “Code of Conduct”;

Proceed Realisation Certificate (PRC)

Introduction PRC ( Proceed Realisation Certificate ) is the authentication/verification from the processing bank that remittance has been received and processed from an overseas arrangement. In light of the Government of Pakistan's vision for Digital Pakistan, Bank AL Habib has initiated an automated portal for ePRC ( Electronic Proceed Realisation Certificate ) issuance and verification. Bank AL Habib Customers can now immediately receive a PRC certificate digitally once remittance has been credited into their account. Click here to download the user guide ePRC sPRC Verify Receive ePRC for single remittance Download, view or print your PRC for remit received in your account or request the bank to email it to you on your registered email address. View ePRC Receive sPRC for multiple remittances Request your sPRC, (Statement of Proceed Realisation Certificate) through this option for a particular time period of a financial year. View sPRC Government agencies can now verify PRCs in a single click Real-time verification of ePRCS issued by Bank AL Habib to its customers for their home remittances. Verify .termdepositIcon.termdeposit-1 { background-image: url('/files/images/eprc-icon.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/sprc-icon.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/verify-certificates.svg'); } #lostCard{background-color:#fff;}

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

Islamic SME Banking

Short Term Financing (Working Capital Needs) Bank AL Habib Islamic Banking Division offers diverse Shari’ah compliant solutions with flexibility of choice to cater the financing need of SMEs in a safe, simple and pleasant way. AL Habib Islamic Murabaha A short term financing facility for purchasing of raw materials, and other assets by Bank and its onward sale to the customer on cost plus profit basis usually with deferred payment. This product is suitable for manufacturers, traders, importers to procure / import any kind of Shariah permissible goods (raw / semi-finished / finished / processing / packing material etc). AL Habib Islamic Istisna (Suitable For Manufacturers) A short term financing facility in which the Bank orders the manufacturer to manufacture goods as per the specification of order. Once Istisna goods are manufactured, goods are delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent and finance is realized through their sales / export proceeds. AL Habib Islamic Musawama (Suitable For Finished Goods Financing) A Short term financing facility for meeting liquidity requirements of the customers in which the Bank purchases the finished / manufactured goods of the customer which are ready to sale. These goods are then delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent. The finance is then realized through their sales / export proceeds.

Key Features of Financing Products

Roshan Qurbani

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AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage their accounts in Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis with a simple, secure & convenient online digital account opening process which, will ultimately help them make payments, investments and avail various other banking facilities while being abroad. View Details View Details View Details View Details Other Investment Opportunities View Details RoshanQurbani View Details Roshan ServiceRequest Form View Details Product Features Free E-Statements Free Cheque Books Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Free Life Takaful Terms and conditions applied Bi-annual Profit Payout on Savings Account Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Savings Account KFS Free Life Takaful Coverage for customers with following eligibility criteria: New accounts eligible after 30 continuous days of opening of account Claims payable on the basis of 90 days of average balance in customer account Maximum claim payable on Natural Death / Permanent Disability - PKR 2 Million Maximum claim payable on Accidental Death - PKR 4 Million In case of joint account, any one of the account holders will be covered Admissible age limit of claim - 18 to 60 years Steps to Open AL Habib Roshan Digital Account Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: a Foreign Currency Account or a Pak Rupee Account. Upload required documents mentioned in "required documents" and a Live Photo. Receive confirmation on provided email with a reference number. The account opening confirmation will be intimated within 2 working days through email. Required Documents The following scanned documents are required for opening of AL Habib Roshan Digital Account: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry / exit stamps etc.) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.) Live Photograph  Before Getting Started Filling of account opening form will approximately take 10-15 minutes. After gathering the Required Documents you will need to scan and upload them. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. All fields are mandatory. You will have to acknowledge declaration to proceed to next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache / cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; }

Refinancing Facility for SME Modernization

About Scheme Small and Medium Enterprises (SMEs) play an important role in creation of employment opportunities, economic growth and poverty reduction. In order to encourage SMEs to modernize their factories for producing quality products and to meet their power shortages, State Bank of Pakistan (SBP) has introduced Refinance Facility for Modernization of SMEs. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedure and reducing turnaround time for lending to the SMEs so you can continue your activities on a fast track. Qualified staff in our branches is there to help and support you on procedures for borrowing and make it convenient for you. Easy & Low Cost Financing Facility is available for flexible tenors up to maximum of 10 years. It can be availed for setting up new SMEs, for purchase of local or machinery and new generators. Financing Tenor 10 Years (6 months grace period) Mark Up Rate 6% Per Anum Financing Facility for SME Borrowers New Machinery Financing For Local purchase/import of new machinery for BMR of existing units Generators Financing Setting up ne