Directors and Employees

Directors and Employees We select and employ people based on the Bank’s recruitment policy and criteria, without any bias or prejudice of race, caste, color, creed, gender, or religious belief. We place qualified and efficient people in management positions, so that the Bank’s functions are performed effectively and are of high quality. We encourage/motivate employees to perform their duties diligently for achieving optimum output and efficiency. We evaluate employees’ performance and reward them on the basis of their contributions. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and citizens. We provide training to employees at all levels for improvement in their knowledge and skills. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and

Key Features of Deposit Products

Islamic Housing Finance - DM

Utility Bills Payment

Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are. Pay your taxes against your pre-generated Payment Slip ID (PSID) through: No More Paperwork and Long Queues! Bank AL Habib ATMs AL Habib Netbanking and AL Habib Mobile Counters at the Bank AL Habib nationwide branch network Track your tax payments Get receipts of your tax payments No submission of physical challan For further assistance, please visit any of our nearest branch or contact our 24/7 Call Center at 111-014-014. Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC), currently ATM / Debit Card, Netbanking and AL Habib Mobile. BAHL value added Bill Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week from any BAHL ATM across Pakistan and BAHL Netbanking and AL Habib Mobile. It is simple, easy to use and above all this service is free of cost. At present customer can pay bills for the following companies. Through ATM 1. Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB,FWASA,KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment),Oneload 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS,BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL 6. Clubs Creek Club, Karachi Club, Karachi Boat Club 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 8. Engro Engro Fertilizer 9. Online Store/Digital Payments Daraz.pk, Jazz Cash Voucher 10. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 11.  Welfare & Tax FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Donation TCF 13. Aggregator Kuickpay, ConnectPay 14. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 15. Bus/Air Line Daewoo Express 16. DHA Payments DHA IR (Islamabad & Rawalpindi) Through Bank AL Habib Netbanking 1. Utility Companies Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB, FWASA, KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment) 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS, BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL, 1Load, 6. Clubs Creek Club, Karachi Club, Karachi Boat Club, Dreamworld 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 9. Fertilizers Engro Fertilizer 10. Franchise Ufone 11. Welfare & Tax SECP,FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 13. Online Store/Digital Payments Jazz Cash Voucher 14. Aggregator Kuickpay, ConnectPay,PAYPRO 15. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 16. Travelling Daewoo Express 17. Water & Sewerage DHA IR,FAWASA,KWSB 18. Shipping Companies DP World   For any issue or complaint, please contact: Your relationship branch where your account is maintained BAHL 24X7 Call Center 111-014-014 info@bankalhabib.com

Term Deposits

AL Habib SMS Banking

Housing Finance Options

Buying your own Home The product is offered to individuals who intend to buy already built residential property (house or apartment). Financing Criteria Financing is available from PKR 300,000 up-to PKR 100 million or up to 75-85% of the appraised value of a built-up house/apartment/land whichever is lower Financing period is from 1 to 25 years Disbursement as Bullet Payment (one time) Minimum income requirement for primary applicant is PKR 60,000 and co-applicant is PKR 30,000. Spouse, Father, Mother and Son can be made as co-applicant for income clubbing or property ownership No Charges for Early Settlement and Balloon Payment Repayment in equal monthly installments based on the tenure of financing Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Construct Your Home Do you have a piece of land and want to Construct your Dream Home? This product is available for those who already own a plot and need funds to meet the construction cost. It also caters to customers who have already begun construction and have completed it up to a certain level but are short of funds to complete the construction. Financing Criteria Financing is available from PKR 300,000 up to PKR 50 Million or 100 % of Bill of Quantity (BOQ) or 70% of the construction cost and appraised land value whichever is lower Financing period from 1 to 25 years Minimum income requirement for primary applicant is PKR 60,000 and co-applicant is PKR 30,000. Only Spouse can be made as co-applicant for income clubbing or property ownership Disbursement of Payment in three stages as follows: Plinth Stage 30% Structure completion 30% Finishing Stage 40% Repayment in equal monthly installments based on the tenure of financing (2 years grace period for construction is also included, where only rental is to be serviced) No Charges for Early Settlement and Balloon Payment Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on annual basis. Plot Purchase and Construction Do you want to purchase a plot and construct over it? Bank AL Habib can help you achieve your goals through its financing facility. Financing Criteria Avail Financing with a Limit of Rs.0.3 million up to Rs.50 millionMaximum financing for plot purchase is 50% of the land value or 50% loan amount, whichever is lowerDisbursement in 4 tranches Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Home Improvement Is your home due for Renovation? This product is offered to customers for the purpose of renovation of a constructed house. Financing Criteria Financing from PKR 300,000 up to PKR 20 million or up to 50% of the appraised property value whichever is lower (Residential House) Financing period from 1-25 years Minimum income requirement for the primary borrower is PKR 60,000 Disbursement made as Bullet Payment (one time) Bill of Quantity is also required Repayment in equal monthly installments based on the tenure of financing No Charges for Early Settlement and Balloon Payment Financing from PKR 300,000 up to PKR 5 million or up to 25% of the appraised property value whichever is lower. (Residential Apartment) Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Home Balance Transfer Do you wish to transfer your home loan to us? Bank AL Habib Home balance transfer facility allows you to transfer your home financing from any other bank to Bank AL Habib if you have maintained a good repayment history. Financing Criteria Only the outstanding amount shall be paid to the releasing bank/institution or a maximum amount PKR 50 Million whichever is lower No enhancement in financing amount will be offered to the applicant Property ownership must be in the name of primary borrower or co-borrower (spouse) Customer to provide a letter, authorizing our bank official to collect and retrieve all title documents from the releasing bank/institution No Charges for Early Settlement and Balloon Payment Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary .bgPosBtmLeft { background-position: bottom center !important; } body.dark-mode .border-bottom { outline: 0px auto -webkit-focus-ring-color !important; } body.dark-mode span.float-left.collapse-toggler { color: #fff !important; } .accordion-list .accordion-list-items button.card-link{ font-weight: bold; font-size: 1.25rem; display: inline-block; width: 100%; padding: 15px 25px 15px; line-height: 1.7; border-bottom: 0 !important; background: none; border: none; text-align:left; cursor:pointer; } .accordion-list .accordion-list-items button.card-link:focus{ border:none; } .accordion-list .accordion-list-items button.card-link:focus{ outline:none !important; } .accordion-list-items .card-link + .collapse > div:first-of-type { overflow:unset !important; }

Scooter Finance