Professional Documents
Culture Documents
Bank Charges
(Excluding FED)
From 1st Jan to
30th June 2016
Contents
Trade Finance
A.
B.
C.
D.
Financing/Advances
A.
B.
C.
D.
E.
Financing/Advances
Charges Of Advances
Against Pledge/Hypothecation
Guarantees
Alfalah Car/Corporate Ijarah
Alfalah Musharka Homes
General Banking
A.
B.
C.
D.
E.
F.
G.
H.
I.
J.
K.
L.
M.
N.
O.
P.
Q.
R.
S.
T.
U.
Remittances (LCY)
Collection of Cheques
Remittances (FCY)
Foreign Collections
Foreign Exchange Permits
Other Charges
Safe Deposit Lockers
Debit Cards
Cash Management Transaction
Branchless Banking
Digital Banking Services
ATM
Balance Inquiry
Third Party ATM/Internet Funds Transfer Fee
Balance Confirmation
Statements/Advances
Cheque Book
Clearing
Miscellaneous Charges
Basic Banking Account
Alfalah Islamic Business Way
Trade Finance
A.
1.
a)
Issuance
b) i)
ii)
Amendments
Amendment involving increase in
amount and extension in period of
dispatch/delivery/negotiation.
c)
Advising
d)
Acceptance commission
e)
Confirmation/Cancellation
2.
a) i)
ii)
Documentary
Through branches of our bank
Unpaid Items
Returning charges:
Documentary bills
Clean bills
Other Charges
a).
Actual
b)
Postage
Rs. 100/-
c)
Telex
d)
Storage Charges
e)
Note:
Collecting agent charges, if the collecting bank is different, will be extra.
Other out-of-pocket expenses will be charged at actual.
01
Trade Finance
B.
1
a)
b)
c)
d)
Revalidation commission
e)
f)
g)
h)
2. Acceptance Commission
If bills are to be drawn at usance
under Letters of Credit
02
Trade Finance
a)
b)
c)
i)
Under agency/non-agency
arrangements
d)
NIL
e)
Imports
a)
Handling charges
Rs. 1,000/-
b)
Returned unpaid
Rs. 1,000/-
c)
Rs. 1,000/-
03
Other charges
a)
Postage
b)
Courier service
c)
Trade Finance
d)
i)
ii)
iii)
e)
As per actual
f)
At actual
g)
h)
Note
In case the Letter of Credit liability increases by virtue of exchange rate fluctuation
and/or due to utilization of "Forward Cover" facility (by the customer), bank
reserves the right to recover above Letter of Credit commission on increased
liability for the unexpired Letter of Credit period.
Charges may be collected in Pak-Rupee or foreign currency in all categories. Bank
reserves the right to change the rate of return on financing at any stage, subject
to the rate not exceeding rates notified by the State Bank of Pakistan.
Exports
Letters of Credit
a)
Advising
b)
Amendment
c)
Confirmation
As per arrangement or
Rs. 1,000/- whichever is higher
d)
Export Bills
a)
Collections
a)
Clean
Rs. 200/-
b)
Rs. 400/-
04
Trade Finance
c)
d)
4.
Service charges
a)
b)
Rs.80/-
c)
d)
Note:
Any charges in respect of export business other than above mentioned are not to
be recovered.
All State Bank of Pakistan punitive charges relating to delayed repatriation of funds
will be debited to customer account.
These are our standard charges and concession/waiver may be granted at the
discretion of GH IBG or as prescribed by the HO.
05
Financing/Advances
A.
Financing/Advances
1)
2)
Actual
3)
Actual
4)
5)
6)
Registration of charge with registrar Rs. 1,000/- plus actual charges incurred
of securities and Exchange
by the branch
Commission of Pakistan (SECP)
7)
ECIB charges
B.
1)
2)
At Actual
3)
Actual
4)
5)
Rs. 500/-
06
Financing/Advances
6)
7)
C.
Guarantees
1)
2)
3)
4)
5)
6)
7)
Amendments of guarantees
8)
extension in period
Note:
07
B36 charges are excluding Federal Excise Duty (unless otherwise stated by SBP).
Financing/Advances
D.
a)
Car Ijarah
1)
2)
Actual
3)
4)
5)
At actual
6)
7)
Vehicle repossession/recovery
(agent charges)
b)
Corporate Ijarah
1)
2)
3)
4)
At Actual
5)
6)
Vehicle repossession/recovery
(agent charges)
Note:
The above charges can be revised at the discretion of Group Head Islamic
Banking.
08
Financing/Advances
E.
1)
2)
Documentation/Mortgage charges
Actual
3)
4)
Actual
5)
6)
Up to 5% of outstanding amount
7)
8)
9)
10)
At actual
11)
09
Financing/Advances
12)
13)
Actual
Actual
Note:
These are our standard charges and concession/waiver may be granted at the
10
General Banking
A.
1)
2)
3)
4)
5)
6)
7)
8)
9)
Cancellation of DDs
10)
Issuance of Duplicate DD
11)
12)
13)
RTGS Chardges
Monday to Friday
9.30 am to 1.30 pm - Rs. 220/1.30 pm to 3.00 pm - Rs. 330/3.00 pm to 4.00 pm - Rs. 550/(Subject to Treasury approval)
B.
11
Remittances (LCY)
Collection of Cheques
1)
2)
3)
4)
5)
6)
General Banking
7)
C.
Remittances (FCY)
1)
2)
3)
4)
Cancellation of FDD/FTT/FMT
5)
6)
Inward remittance:
If proceeds are credited to an
account maintained with us.
If the proceeds are to be credited to
account other than above.
NIL
USD 5 or equivalent
7)
8)
Home remittance
9)
Others
D.
Foreign Collections
1)
2)
12
General Banking
E.
1)
Family maintenance
2)
Studies abroad
3)
4)
F.
Other Charges
1)
Unpaid items
2)
Correspondence charges
3)
Nil
4)
Postage
5)
Courier service
6)
7)
8)
G.
1)
Small
Medium
Large
Note:
Depositor maintaining monthly average balance of Rs. 2 Million or equivalent FCY
deposit in current/ saving/term deposit accounts will be provided free
Small/Medium locker for a year. This facility will be available for customers who will
maintain the required average balance for the entire one year.
13
2)
3)
4)
General Banking
H.
Debit Card
1)
2)
Rs. 500/-
3)
Rs. 500/-
4)
6.E-statement
Nil
I.
J.
Branchless Banking
1)
As per Annexure D
2)
3)
K.
L.
ATM
Cash withdrawal
1)
Nil
2)
3)
4)
5)
NIL
6)
M. Balance inquiry
1)
Nil
2)
Nil
3)
4)
14
General Banking
N.
1)
2)
2)
O.
Balance Confirmation
1)
1)
2)
P.
Statements/Advices
1)
2)
Q.
Cheque Book
1)
FREE
2)
FREE
3)
4)
5)
R.
1)
15
a.
Clearing
Cheque returned unpaid
i) Inward clearing (applies on
Intercity Clearing as well)
Nil
General Banking
2)
S.
Miscellaneous Charges
1)
2)
Free
Free
Other Charges
a) Account opening charges
NIL
NIL**
NIL
NIL
i)
Standing instructions
j)
16
General Banking
T.
l)
Free
m) CI.B report
As per actual
U.
Note:
These are our standard charges and concessions/waivers may be granted at the
unusal work.
Quarter whether mentioned in this SoBC means three calender months.
The tariff is valid for six months and is applicable to all Islamic Banking branches in
17
Pakistan.
2)
Duplicate Statement
3)
4)
Cancellation of PO/DD
5)
6)
7)
8)
9)
10)
11)
12)
13)
14)
15)
16)
E-Statement
17)
18)
Note:
All Government levies including excise duties, taxes, zakat, etc. are for
18
19
Amount Range
From
To
Subsequent
quarters
1
500,001
750,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4,500,001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
12,500,001
15,000,001
17,500,001
20,000,001
22,500,001
27,500,001
30,000,001
32,500,001
35,000,001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,000,001
57,500-001
60,000,001
62,500,001
65,000,001
67,500,001
70,000,001
72,500,001
500,000
750,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
12,500,000
15,000,000
17,500,000
20,000,000
22,500,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000
70,000,000
72,500,000
75,000,000
1,500
1,875
2,625
3,750
5,250
6,750
8,250
9,750
11,250
12,750
14,250
15,750
17,250
18,750
20,250
21,750
23,250
24,750
26,250
27,750
29,250
33,750
41,250
48,750
56,250
63,750
75,000
86,250
93,750
101,250
108,750
116,250
123,750
131,250
138,750
146,250
153,750
161,250
168,750
176,250
183,750
191,250
198,750
206,250
213,750
221,250
1,000
1,250
1,750
2,500
3,500
4,500
5,500
6,500
7,500
8,500
9,500
10,500
11,500
12,500
13,500
14,500
15,500
16,500
17,500
18,500
19,500
22,500
27,500
32,500
37,500
42,500
50,000
57,500
62,500
67,500
72,500
77,500
82,500
87,500
92,500
97,500
102,500
107,500
112,500
117,500
122,500
127,500
132,500
137,500
142,500
147,500
To
Subsequent
quarters
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
228,750
236,250
243,750
251,250
258,750
266,250
273,750
281,250
288,750
296,250
152,500
157,500
162,500
167,500
172,500
177,500
182,500
187,500
192,500
197,500
1).
For LC exceeding 100m shall attract additional service charges of Rs 3,000/per 1m each (First quarter) and Rs. 1,500/- (for subsequent quarters)
2).
3).
4).
20
21
Amount in PKR
To
Per Month or
Part Thereof
1
500,001
750,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4:500:001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
12,500,001
15,000,001
17,500,001
20,000,001
22,500,001
25,000,001
27,500,001
30,000,001
32,500,001
35 000 001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,500,001
57,500-001
60,000,001
62,500,001
500,000
750,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
12,500,000
15,000,000
17,500,000
20,000,000
22,500,000
25,000,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
500
700
900
1,250
1,750
2,250
2,750
3,250
3,750
4,250
4,750
5,250
5,750
6,250
6,750
7,250
7,750
8,250
8,750
9,250
9,750
11,250
13,750
16,250
18,750
21,250
23,750
26,250
28,750
31,250
33,750
36,250
38,750
41,250
43,250
46,750
48,750
51,250
53,750
56,250
58,750
61,250
63,750
Amount in PKR
To
Per Month or
Part Thereof
65,000,001
67,500,001
70,000,001
72,500,000
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
67,500,000
70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
66,250
68,750
71,250
73,750
76,250
78,750
81,250
83,750
86,250
88,750
91,250
93,750
96,250
98,750
1)
2)
3)
Acceptance over Rs. 100/- m will attract the charges of Rs. 750/- (monthly)
per Rs. 1m each (or part thereof).
Rebates may be allowed as follows at Bank's discretion, based on annual
business volumes:
Transactions of Rs. 20 - 30m: 20% of the charges
Transactions of Rs. 30 - 50m: 30% of the charges
Transactions of Rs. 50 -75m 40% of the charges
Transactions of Rs. 75 -100m: 50% of the charges
Discounts may be offered in the above mentioned charges subject to the
management's approval.
22
23
Annexure C
Amount in PKR
To
1
500,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4,500,001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
12,500,001
15,000,001
17,500,001
20,000,001
22,500,001
25,000,001
27,500,001
30,000,001
32,500,001
35,000,001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,000,001
57,500-001
60,000,001
62,500,001
65,000,001
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
12,500,000
15,000,000
17,500,000
20,000,000
22,500,000
25,000,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000
1,900
3,200
4,800
6,800
8,700
10,600
12,400
14,300
16;100
17,900
19,700
21,100
22,500
23,800
25,100
26,200
27,300
28,300
29,200
30,100
33,100
40,400
47,800
55,100
62,400
69,700
76,900
84,200
91,500
98,700
105,900
112,500
118,900
125,200
131,500
137,600
143,700
149,600
155,400
161,200
166,800
172,300
177,800
Amount in PKR
To
67,500,001
70,000,001
72,500,001
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
183,100
188,400
193,500
198,500
203,500
208,300
213,000
217,700
222,200
226,700
231,000
235,200
239,400
*Charges for Guarantees over Rs. 100m shall attract additional service charges of
Rs. 5,000/- per Rs. 1m each (per quarter or part thereof) plus Rs. 2,500/- for
subsequent quarters.
*Discounts may be offered in the above mentioned charges subject to the
managements approval.
*Claim handling charges Rs. 2,500/-
24
25
Slab End
Fee (PKR)
FED* (PKR)
Total Charges
(PKR)
1,000
51.72
8.28
60
1,001
2,500
103.45
16.55
120
2,501
4,000
150
24
174
4,001
6,000
205
32.8
238
6,001
8,000
258.62
41.38
300
8,001
10,000
310.34
49.65
360
10,001
13,000
360
57.6
418
13,001
15,000
405
64.8
470