Schedule of Charges

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; }

AL Habib at Work

Salary Accounts AL Habib At Work is a comprehensive banking solution designed to address the banking needs of employees of an organization. It is suitable for small businesses as well as large corporates. Convenient bulk account opening, on site debit card delivery, free account benefits, digitization of salary payment along with much more to provide an unmatched experience for employers and their employees. Key Features No Minimum Balance Requirement On Site Account Opening & Debit Card Delivery Free Debit Card Issuance And Annual Fees* Free Cheque Book And Banker’s Cheques* Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan Free Inter Bank Funds Transfers Exclusive Insurance/Takaful Coverage* *Terms and Conditions apply Benefits For Employers/Companies Streamlined salary transfer solution through AL Habib Payments System Simplified on-site bulk account opening process Convenient MIS reports ensuring up-to-date insights Swift salary disbursal turn around time Dedicated Relationship Manager to address all your payroll related needs and concerns Benefits For Employees On premises account opening, eliminating the need to visit a branch No minimum balance and no initial deposit requirement A suite of  special account privileges Debit Cards delivered at premises Availability of Consumer Banking products Complimentary Insurance/Takaful Coverage Email Us info@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator .bgPosBtmLeft.page-alhabib-at-work { background-position: center center !important; } .dark-mode .card{background-color:#333 !important} .carousel-caption h1.caption-heading { display:none !important; } img { max-width:300px; } @media screen and (max-width: 767px) { img { max-width:180px; } }

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Historical Profit Sharing Ratio & Weightages

2025 Historical Profit Sharing Ratio & Weightages July 2025 Historical Profit Sharing Ratio & Weightages June 2025 Historical Profit Sharing Ratio & Weightages May 2025 Historical Profit Sharing Ratio & Weightages April 2025 Historical Profit Sharing Ratio & Weightages March 2025 Historical Profit Sharing Ratio & Weightages February 2025 Historical Profit Sharing Ratio & Weightages January 2025 2024 Historical Profit Sharing Ratio & Weightages December 2024 Historical Profit Sharing Ratio & Weightages November 2024 Historical Profit Sharing Ratio & Weightages October 2024 Historical Profit Sharing Ratio & Weightages September 2024 Historical Profit Sharing Ratio & Weightages August 2024 Historical Profit Sharing Ratio & Weightages July 2024 Historical Profit Sharing Ratio & Weightages June 2024 Historical Profit Sharing Ratio & Weightages May 2024 Historical Profit Sharing Ratio & Weightages April 2024 Historical Profit Sharing Ratio & Weightages March 2024 Historical Profit Sharing Ratio & Weightages February 2024 Historical Profit Sharing Ratio & Weightages January 2024 2023 Historical Profit Sharing Ratio & Weightages December 2023 Historical Profit Sharing Ratio & Weightages November 2023 Historical Profit Sharing Ratio & Weightages October 2023 Historical Profit Sharing Ratio & Weightages September 2023 Historical Profit Sharing Ratio & Weightages August 2023 Historical Profit Sharing Ratio & Weightages July 2023 Historical Profit Sharing Ratio & Weightages June 2023 Historical Profit Sharing Ratio & Weightages May 2023 Historical Profit Sharing Ratio & Weightages April 2023 Historical Profit Sharing Ratio & Weightages March 2023 Historical Profit Sharing Ratio & Weightages February 2023 Historical Profit Sharing Ratio & Weightages January 2023 2022 Historical Profit Sharing Ratio & Weightages December 2022 Historical Profit Sharing Ratio & Weightages November 2022 Historical Profit Sharing Ratio & Weightages October 2022 Historical Profit Sharing Ratio & Weightages September 2022 Historical Profit Sharing Ratio & Weightages August 2022 Historical Profit Sharing Ratio & Weightages July 2022 Historical Profit Sharing Ratio & Weightages June 2022 Historical Profit Sharing Ratio & Weightages May 2022 Historical Profit Sharing Ratio & Weightages April 2022 Historical Profit Sharing Ratio & Weightages March 2022 Historical Profit Sharing Ratio & Weightages February 2022 Historical Profit Sharing Ratio & Weightages January 2022 2021 Historical Profit Sharing Ratio & Weightages December 2021 .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; }