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

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.

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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

eCIB

Returns & Reconciliation Division Mr. Hasnain Abbas Lakhani Mr. Mir Sajid Ali To submit your query / feedback Electronically Address Bank AL Habib Ltd, Returns & Reconciliation Department PABX +92 21-32470135 to 44

Investment Opportunities

Islamic Term Deposit (TDR) Islamic Mahana Munafa (TDR) Real Estate Investment AL Habib Islamic Term Deposit Earn better profits than the regular saving accounts. If you have financial ability to tuck away your money for a certain period of time and can place your deposit in a fixed tenure, for example for six months. The AL Habib Islamic Term Deposit Account gives you opportunity to  earn Shariah compliant returns in flexible deposit periods, which is tailor-made to meet your short-term and long-term financial needs. Key Features Term deposits based on Islamic principles of Mudarabah Available in tenures of 1-month, 3-months, 6-months, 1-year, 3-years, and 5-years Minimum balance required PKR 25,000/- Early encashment is allowed as per applicable Terms & Conditions Profit rates are declared on monthly basis in arrears Profit payout at maturity basis Withholding Tax on profits and Zakat will be applicable as per laws Deposit may be provided as security for allowing limits under Shariah Compliant modes of Finance Download Form Download KFS AL Habib Islamic Mahana Munafa Earn better profits than the regular saving accounts. AL Habib Islamic Mahana Munafa Term Deposit lets you earn high Shariah compliant profits when you keep your savings for a fixed term. No need to use the principal, just enjoy the monthly profits. Key Features Term deposits based on Islamic principles of Mudarabah Available in tenures of one and three years Mahana Munafa Account can be opened with PKR 25,000/- Profit will be paid on monthly basis Early encashment is allowed as per applicable Terms & Conditions Withholding Tax on profits and Zakat will be applicable as per laws Deposit may be provided as security for allowing limits under Shariah Compliant modes of Finance Download Form Download KFS Investment in Real Estate Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds digitally in commercial and residential real estate in Pakistan with ease and convenience. Direct Investment Registered Scheme Salient Features Direct Investment Investment in Registered Schemes Easy & Convenient Payment Options Relaxation in taxes Easy Repatriation of Funds Anytime (Terms & Conditions apply) .termdepositIcon.termdeposit-1 { background-image: url('/files/images/mahana_munafa.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/COVID19-icons-05.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/COVID19-icons-04.svg'); } .termdepositIcon.termdeposit-4 { background-image: url('/files/images/gem-01.svg'); } .termdepositIcon.termdeposit-5 { background-image: url('/files/icon/security_tips.svg'); } .termdepositIcon.termdeposit-7 { background-image: url('/files/images/fixed_term_deposit.svg'); } .termdepositIcon.termdeposit-8 { background-image: url('/files/images/special_saver.svg'); } .social-section span { font-size: 33px; color: #15804f; vertical-align: middle; } .social-section strong { margin-right: 5px; vertical-align: middle; } .social-section a { display: inline-block; width: 40px; height: 40px; background: #15804f; border-radius: 50px; margin: 0 3px; vertical-align: middle; } .social-section a i { color: #fff; font-size: 40px; line-height: 40px; } .social-section a .icon-instagram { width: 40px; height: 40px; background-size: 70%; } .social-section a:hover { background: #fbb040; text-decoration: none; } .social-section a:hover .icon-instagram { background-image: url('/files/images/intagram-icon.svg'); } .schedule-txt { display: inline-block; padding: 12px 20px; background: #cccccc61; margin: 10px 0 25px 0; } .schedule-txt p { margin: 10px 0; } .schedule-txt strong { width: 200px; display: inline-block; } .atm-content { direction: ltr; text-align: left; } .table-responsive { display: table; } div.dataTables_wrapper div.dataTables_length select { font-family: gilroy; } table.dataTable thead .sorting:before, table.dataTable thead .sorting:after, table.dataTable thead .sorting_asc:before, table.dataTable thead .sorting_asc:after, table.dataTable thead .sorting_desc:before, table.dataTable thead .sorting_desc:after, table.dataTable thead .sorting_asc_disabled:before, table.dataTable thead .sorting_asc_disabled:after, table.dataTable thead .sorting_desc_disabled:before, table.dataTable thead .sorting_desc_disabled:after { bottom: 1.5em !important; } .contentSection ul li{line-height:1.5;} @media screen and (max-width: 767px) { div.dataTables_wrapper div.dataTables_filter label { width: 100% } div.dataTables_wrapper div.dataTables_filter input { width: 84% !important; margin-bottom: 25px; } .dataTables_length { display: none; } div.dataTables_wrapper div.dataTables_paginate ul.pagination { justify-content: center !important; } .table-responsive { display: inherit; } }

Value Added Services

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

SBP Refinance Scheme

About Scheme In order to develop the agricultural produce marketing and enhance storage capacity, SBP has introduced “Finance Facility for Storage of Agricultural Produce (FFSAP)” to finance establishment of silos, warehouse and cold storages. Main Features The scheme is available on long term basis for establishment, expansion and balancing, modernization & replacement (BMR) of steel/metal/concrete silos, warehouse & cold storage facilities for storage of agricultural produce. The financing facilities are available for: Purchase of new imported & locally manufactured plant & machinery, equipment & accessories thereof, to be used in steel/metal/concrete silos, warehouse & cold storage. Purchase of new generators. Up to 65% cost of entire civil works. SME Banking Talk to our Agri Experts Head, Agriculture Division, Lahore - Pakistan Mr. Fiaz Ahmed Malik 042-36603228-29