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

Trade Finance Facilities

We provide technical assistance to our customers for all type of trade businesses. Based on various modes of Islamic Finance, the facilities have been provided to suit the trade needs of customers. We provide solutions of all trade needs. Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Import Facility Imports in Pakistan by establishing Letter of Credits (LCs). Handle impo

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; }

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; }

RDA Service Request Form

Roshan Digital Service Form allows Roshan Digital Account holders to request the following services: Fund Transfer Payment of Utility Bills Issuance of Banker’s Cheque, Foreign Demand Draft and Foreign Telegraphic Transfer Cash Withdrawal Cheque Book Request You can nominate a person to collect the requested cash withdrawal or bankers Cheque. Filled and signed forms are required to be emailed to us at rda@bankalhabib.com Our representative will contact you to process your request further. For customers requesting services for the first time would be required to submit the following indemnity form along with the services form. Service Request Form Email Indemnity for RDA Transactions For all future requests indemnity form will not be required

Historical Profit Sharing Ratio & Weightages

2025 Historical Profit Sharing Ratio & Weightages December 2025 Historical Profit Sharing Ratio & Weightages November 2025 Historical Profit Sharing Ratio & Weightages October 2025 Historical Profit Sharing Ratio & Weightages September 2025 Historical Profit Sharing Ratio & Weightages August 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; }

Download Forms

E-Statement Facility

Introduction eStatement is the electronic version of your account physical statement. You can view and print your statement right from your computer whenever you need it. You will start receiving the eStatement service within three business days after registration. For different accounts you need to update different email IDs in each account in order to get registered for each of them. Individual Account Corporate Account Individual Account Individual Account Holders are offered e-statement facility on following frequencies: Monthly Quarterly Half-Yearly Yearly Corporate Account Corporate Account Holders are offered e-statement facility on following frequencies: Daily Weekly Fortnightly Monthly Quarterly Half-Yearly How to register for e-Statement? STEP 1- Download online form or collect it from Bank AL Habib branch. STEP 2- Fill and submit the form at your relationship branch for registration of e-statement facility. You can also register for e-statement facility simply by calling our 24/7 helpline at +9221-111-014-014 from your registered mobile number available in Bank’s record. Furthermore, e-statement facility on corporate accounts can only be registered by submitting a form at relationship branch. Registration Form for Individuals Registration Form for Corporates Click here to download Rules/Terms & Conditions Email Us info@bankalhabib.com BAHL Helpline (021) 111-014-014 Nearest Branch / Window Branch Locator @media (max-width:767px){ .responsivebtn { margin-left: 0 !important; padding: 0.5rem 0.88rem !important; } .m0responsive { margin-bottom: 0 !important; } }

Islamic Naya Pakistan Certificates

Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Islamic Naya Pakistan Certificates (INPCs), Shariah compliant PKR, USD, GBP & EUR denominated instruments issued by the Government of Pakistan on the basis of Mudarabah with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Islamic Naya Pakistan Certificate while Bank AL Habib is acting as an agent. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Shariah Compliant Islamic Naya Pakistan Certificates (INPCs) are Shariah compliant certificates issued on the basis of Mudarabah. Under this arrangement, the holder of certificate is an investor (Rab-ul Maal) and Islamic Naya Pakistan Certificate Company Limited (INCCPL) is the Manager (Mudarib) of the funds deposited by the investors. These funds are then invested in a deposit pool comprising of Shariah-compliant transactions and the return is shared between the investors and INCCPL as per the pre-determined profit-sharing ratios and weightages. Shariah Structure of INPCs USD Certificate Terms and Conditions (Mudarabah Agreement) PKR Certificate Terms and Conditions (Mudarabah Agreement) Eligibility AL Habib Islamic Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificate can be booked in PKR, USD, GBP & EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers AL Habib Islamic Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Sharing Ratio (PSR) for the Month of October 2025 Mudarabah Pool INPCCL (Mudarib) Share Investor (Rab-ul-Maal) Share PKR 35% of distributable income65% of distributable income USD 55% of distributable income 45% of distributable income GBP 65% of distributable income 35% of distributable income EUR 70% of distributable income 30% of distributable income Weightages and Expected Return for the Month of October 2025 Tenure PKR (Expected Return) PKR (Profit Weightage Assigned) PKR* (Expected Return- PKR INPC-I) PKR* (Profit Weightage Assigned- PKR INPC-I) PKR** (Expected Return- PKR INPC-II) PKR** (Profit Weightage Assigned- PKR INPC-II) PKR** (Expected Return- PKR INPC-III) PKR** (Profit Weightage Assigned- PKR INPC-III) USD (Expected Return) USD (Profit Weightage Assigned) USD* (Expected Return - USD INPC-I) USD* (Profit Weightage Assigned - USD INPC-I) USD** (Expected Return - USD INPC-II) USD** (Profit Weightage Assigned - USD INPC-II) USD** (Expected Return - USD INPC-III) USD** (Profit Weightage Assigned - USD INPC-III) GBP (Expected Return) GBP (Profit Weightage Assigned) GBP* (Expected Return - GBP INPC -I) GBP* (Profit Weightage Assigned GBP INPC -I) GBP** (Expected Return - GBP INPC -II) GBP** (Profit Weightage Assigned GBP INPC -II) GBP** (Expected Return - GBP INPC -III) GBP** (Profit Weightage Assigned GBP INPC -III) EUR (Expected Return) EUR (Profit Weightage Assigned) EUR* (Expected Return - EUR INPC -I) EUR* (Profit Weightage Assigned EUR INPC-I) EUR** (Expected Return - EUR INPC -II) EUR** (Profit Weightage Assigned EUR INPC-II) EUR** (Expected Return - EUR INPC -III) EUR** (Profit Weightage Assigned EUR INPC-III) Profit Payout (Coupon Payment) 3 Months 9.50% - 15.00% - 21.00% - 13.50% 0.86 5.50% - 7.00% - 8.25% - 7.00% 0.93 5.25% - 5.50% - 7.25% - 7.25% 1.05 4.75% - 4.00% - 6.25% - 5.25% 1.00 Maturity 6 Months 10.00% - 15.25% - 21.25% 1.36 13.50% 0.86 6.00% - 7.20% - 8.50% 1.13 7.00% 0.93 5.50% - 6.00% - 7.50% 1.09 7.25% 1.05 5.00% - 4.50% - 6.50% 1.23 5.25% 1.00 Maturity 12 Months 10.50% - 15.50% - 21.50% 1.37 13.00% 0.83 6.50% - 7.50% - 9.00% 1.20 7.00% 0.93 5.75% - 7.00% - 8.00% 1.16 7.25% 1.05 5.25% - 5.00% - 7.00% 1.33 5.25% 1.00 Maturity 3 Years 10.75% 0.67 14.00% 0.88 17.50% 1.12 12.50% 0.80 6.75% 0.90 8.00% 1.06 8.00% 1.06 7.50% 1.00 6.25% 0.91 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.50% 1.04 6.50% 1.23 6.50% 1.23 5.25% 1.00 Bi-Annual 5 Years 11.00% 0.70 13.50% 0.86 15.00% 0.96 12.50% 0.80 7.00% 0.93 8.00% 1.06 8.00% 1.06 7.50% 1.00 6.50% 0.94 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.75% 1.09 6.50% 1.23 6.50% 1.23 5.25% 1.00 Bi-Annual Bank's Investment in the pool - - - - - - 9.50% 0.61 - - - - - - 4.50% 0.60 - - - - - - 5.25% 0.76 - - - - - - 3.00% 0.57 - *Note: Applicable on Fresh Booking from 1st October 2022 **Note: Applicable on all the issuances made on or after 10th October 2023. ***Note: Applicable on all the issuances made on or after 06th March 2025. All issuance made on or after 23rd January, 2023 (before 10th October, 2023) for USD, GBP and Euro shall be classified under USD, GBP and Euro INPCs-I All the issuances made on or after 10th October, 2023 shall be classified under USD, PKR, GBP and EURO INPCs-II All the issuances made on or after 06th March, 2025 shall be classified under USD, PKR, GBP and EURO INPCs-III Declaration of Profit Rates & Profit Payouts for the Month of October 2025 Tenure USD (Actual Return) USD -I (Actual Return) USD -II (Actual Return) USD -III (Actual Return) PKR (Actual Return) PKR -I (Actual Return) PKR -II (Actual Return) PKR -III (Actual Return) GBP (Actual Return) GBP -I (Actual Return) GBP -II (Actual Return) GBP -III (Actual Return) EUR (Actual Return) EUR -I (Actual Return) EUR -II (Actual Return) EUR -III (Actual Return) 3 Months 0.00% 0.00% 0.00% 7.00% 0.00% 0.00% 0.00% 13.50% 0.00% 0.00% 0.00% 7.25% 0.00% 0.00% 0.00% 5.25% 6 Months 0.00% 0.00% 0.00% 7.00% 0.00% 0.00% 0.00% 13.50% 0.00% 0.00% 0.00% 7.25% 0.00% 0.00% 0.00% 5.25% 12 Months 0.00% 0.00% 9.00% 7.00% 0.00% 0.00% 21.50% 13.00% 0.00% 0.00% 8.00% 7.25% 0.00% 0.00% 7.00% 5.25% 3 Years 6.75% 8.00% 8.00% 7.50% 0.00% 14.00% 17.50% 12.50% 6.25% 7.50% 7.50% 7.50% 5.50% 6.50% 6.50% 5.25% 5 Years 7.00% 8.00% 8.00% 7.50% 11.00% 13.50% 15.00% 12.50% 6.50% 7.50% 7.50% 7.50% 5.75% 6.50% 6.50% 5.25% Bank's Investment in the pool 4.50% 4.50% 4.50% 4.50% 9.50% 9.50% 9.50% 9.50% 5.25% 5.25% 5.25% 5.25% 3.00% 3.00% 3.00% 3.00% Premature Encashment There shall be no premature encashment within the first month of issuance of INPCs Certificates can be prematurely encashed (early encashment before maturity). The proceeds for the premature encashment made after the first month and before the end of three months shall be worked-out based on the the repurchase of INPCs at a discounted price based on the redemption table notified by Islamic Naya Pakistan Certificate Company Limited (INPCCL) Profit/proceeds of premature encashment made after 3 months shall be worked out by Islamic Naya Pakistan Certificate Company Limited (INPCCL) based on the weightages applicable to the nearest completed tenures. Maturity Maturity proceeds will be credited back to the investor’s AL Habib Islamic Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions The Certificates shall be pledgeable as security for raising financing in Pakistan subject to conditions prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

Historical Profit Rates

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