Values

Values Directors and employees of the Bank shall always be guided by the following values: Respect for people Relationships of Trust Service to Customers Simplicity in Everything Culture of Ownership Communication & Cooperation Brief description of each of the above-mentioned values is given below: Respect for People We must treat our colleagues, customers, and all other persons who come into contact with us with utmost respect, courtesy, and decency. Relationships of Trust We must be worthy of the trust of people who work or do business with us. Trust is earned by acting with honesty, fairness, and prudence in all dealings and in all circumstances. Keeping promises is an essential element of trust. Service to Customers We must provide the best possible

Downloads

Financial Reports A glance at Bank AL Habib`s performance over the years View More Forex Rates For our valuable customers, Forex Rates are only a click away.  Download Schedule of Charges Stay up to date by reviewing our semi-annual schedule of charges View More

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; }

Declaration of Profit

Declaration of Profit on various Deposits for the Month ended May 31, 2025 Bank AL Habib Limited – Islamic Banking Division has declared the following Profit Rates: S. # Products Profit Rates 1 AL Habib Savings Deposit 8.31% 2 AL Habib Woman Islamic Savings Account 9.50% 3 AL Habib Woman Islamic Asaan Savings Account 9.50% 4 AL Habib Woman Islamic Digital Savings Account 9.50% 5 AL Habib Woman Islamic Asaan Digital Savings Account 9.50% 6 AL Habib Islamic Armed Forces Pensioner Savings Account (profit paid monthly) 8.31% 7 AL Habib Islamic Armed Forces Savings Account 8.31% 8 AL Habib Islamic Asaan Savings Account 8.31% 9 AL Habib Islamic Asaan Digital Savings Account 8.31% 10 AL Habib Islamic Digital Savings Account 8.31% 11 AL Habib Islamic Asaan Remittance Account 8.31% 12 AL Habib Islamic Remit Saving Account 8.31% 13 AL Habib Islamic Remit Digital Saving Account 8.31% 14 AL Habib Islamic Freelancer Account Savings 8.31% 15 AL Habib Islamic Freelancer Digital Account Savings 8.31% 16 Mahana Amdani Savings Account 8.31% 17 Al Habib Islamic Income Plus 0 - 499,999 8.48% 18 Al Habib Islamic Income Plus 500,000 - 999,999 8.50% 19 Al Habib Islamic Income Plus 1,000,000 - 2,499,999 8.55% 20 Al Habib Islamic Income Plus 2,500,000 - 4,999,999 8.60% 21 Al Habib Islamic Income Plus 5,000,000 - 9,999,999 8.65% 22 Al Habib Islamic Income Plus 10,000,000 - 24,999,999 8.65% 23 Al Habib Islamic Income Plus 25,000,000 - 49,999,999 8.65% 24 Al Habib Islamic Income Plus 50,000,000 - 99,999,999 8.65% 25 Al Habib Islamic Income Plus 100,000,000 - 199,999,999 8.65% 26 Al Habib Islamic Income Plus 200,000,000 - 499,999,999 9.00% 27 Al Habib Islamic Income Plus 500,000,000 & above 9.00% 28 Roshan Digital Savings Account 8.31% 29 AL Habib Tijarat Account (Current Remunerative) 0.01% 30 AL Habib Apna Individual Account (Current Remunerative) 0.01% 31 AL Habib Pay AC 0.01% 32 AL Habib Pay Plus AC 0.01% 33 AL Habib Islamic Young Savers Account 8.31% 34 AL Habib Islamic Senior Citizen Account (profit paid monthly) 9.00% 35 Term Deposit One Year Senior Citizen Account (profit paid monthly) 9.50% 36 Term Deposit - 7 Days 3.34% 37 Term Deposit - 1 month (1 - 9,999,999) 7.50% 38 Term Deposit - 1 month (10,000,000 - 24,999,999) 7.75% 39 Term Deposit - 1 month (25,000,000 - 49,999,999) 8.00% 40 Term Deposit - 1 month (50,000,000 - 99,999,999) 8.25% 41 Term Deposit - 1 month (100,000,000 & above) 8.50% 42 Term Deposit - 3 months (1 - 9,999,999) 8.00% 43 Term Deposit - 3 months (10,000,000 - 24,999,999) 8.25% 44 Term Deposit - 3 months (25,000,000 - 49,999,999) 8.50% 45 Term Deposit - 3 months (50,000,000 - 99,999,999) 8.75% 46 Term Deposit - 3 months (100,000,000 & above) 9.00% 47 Term Deposit - 6 months (1 - 9,999,999) 8.70% 48 Term Deposit - 6 months (10,000,000 - 24,999,999) 8.90% 49 Term Deposit - 6 months (25,000,000 - 99,999,999) 9.10% 50 Term Deposit - 6 months (100,000,000 & above) 9.30% 51 Term Deposit - 1 year (profit paid monthly) 9.50% 52 Term Deposit - 1 year - (1 - 9,999,999) (profit paid at maturity) 10.00% 53 Term Deposit - 1 year - (10,000,000 - 24,999,999) (profit paid at maturity) 10.25% 54 Term Deposit - 1 year - (25,000,000 - 49,999,999) (profit paid at maturity) 10.50% 55 Term Deposit - 1 year - (50,000,000 - 199,999,999) (profit paid at maturity) 10.75% 56 Term Deposit - 1 year - (200,000,000 & above) (profit paid at maturity) 11.00% 57 Term Deposit - 3 years (profit paid monthly) 5.49% 58 Term Deposit - 3 years - (1 - 9,999,999) 5.53% 59 Term Deposit - 3 years - (10,000,000 - 24,999,999) 5.64% 60 Term Deposit - 3 years (25,000,000 - 49,999,999) 5.64% 61 Term Deposit - 3 years (50,000,000 - 199,999,999) 5.64% 62 Term Deposit - 3 years (200,000,000 & above) 5.64% 63 Term Deposit - 5 years (profit paid at maturity) 5.20% 64 IFRE (Islamic Finance for Renewable Energy) 2.46% 65 ILTFF – 10 years (Textile) 2.14% 66 ILTFF – 5 years (Textile) 5.88% 67 ILTFF – 3 years (Textile) 5.34% 68 ILTFF – 10 years (Non-Textile) 2.94% 69 ILTFF – 5 years (Non-Textile) 4.11% 70 ILTFF – 3 years (Non-Textile) 2.72% 71 ITERF – (Islamic Temporary Economic Re-Finance) 1.01% 72 SBP - Islamic Refinance for Modernization of SMEs 2.14% 73 SBP - Islamic Financing Facility for Storage Product (IFFSAP) 2.46% 74 IB AL Habib Signature Account 0.01%   Foreign Currency-USD S. # Product Profit Rates 1. Saving Account USD (0-4,999)1.00% 2. Saving Account USD (5,000-9,999) 1.24% 3. Saving Account USD (10,000-24,999) 1.46% 4. Saving Account USD (25,000-99,999) 1.77% 5. Saving Account USD (100,000 & Above)2.05% 6. Roshan Digital Saving Account USD (0 - 4,999) 1.00% 7. Roshan Digital Saving Account USD (5,000 - 9,999) 1.24% 8. Roshan Digital Saving Account USD (10,000 - 24,999) 1.46% 9. Roshan Digital Saving Account USD (25,000 - 99,999) 1.77% 10. Roshan Digital Saving Account USD (100,000 & Above) 2.05% Foreign Currency- EURO & GBP S. # Product Profit Rates 1. Saving Account EURO & GBP (0-4,999) 0.83% 2. Saving Account EURO & GBP (5000-9,999) 1.02% 3. Saving Account EURO & GBP (10,000-24,999) 1.54% 4. Saving Account EURO & GBP (25,000-99,999) 1.76% 5. Saving Account EURO & GBP (100,000 & Above) 1.95% 6. Roshan Digital Saving Account EURO & GBP (0 - 4,999) 0.83% 7. Roshan Digital Saving Account EURO & GBP (5,000 - 9,999) 1.02% 8. Roshan Digital Saving Account EURO & GBP (10,000 - 24,999) 1.54% 9. Roshan Digital Saving Account EURO & GBP (25,000 - 99,999) 1.76% 10. Roshan Digital Saving Account EURO & GBP (100,000 & Above) 1.95% The above declared profit rates have been approved by the Resident Shariah Board Member (RSBM).

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; } }

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; } }

Refinance Facility for Modernisation of SME

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

Profit Sharing Mechanism