sobc jul dec 2015
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Bank Alfalah LimitedB. A. Building, I. I. Chundrigar Road,
Karachi, Pakistan - 74000111 225 111bankalfalah.com
Schedule ofBank Charges
From 1st July to31st December 2015
(Excluding FED)
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Contents
Trade Services
A. Imports B. Exports
C. Foreign Bills Purchased/Collection
D. Inland Letters of Credit
Advances/Finances
A. Advances
B. Lease Finance
C. Alfalah Rural Finance
D. Guarantees
Consumer Banking
A. Visa/MasterCard
B. Alfalah Personal LoansC. Alfalah Car Financing
D. Alfalah Home Finance
General Banking
A. Inward/Outward Remittances (Foreign)
and Cheque Purchase
B. Remittances (Domestic) C. Sale/Purchase of Securities, Safe Custody,
Articles in Safe Deposit and Safe
Deposit Lockers
D. Miscellaneous Charges
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01
Trade Services
1.a) i) Cash Letter of Credit
Based on volumes during a calendar year/currency of limit(s) and arrangement with customer/group including allied accounts. In case of revolving LCs, LC, commission should be charged on each shipment
ii) LCs to be issued against 100% cash margin
1.b) i) Letter of Credit under "Supplier Credit", Pay-As-You-Earn Scheme
and Deferred Payment Letter of Credits for period over one year
ii) In case of LG/Undertaking to be issued favouring NBP for providing
forward cover exchange risk undersuppliers/buyers credit on behalf
of applicant
1.c) Revalidation Commission
52305
52305
52305
52305
52306
Upto 10.000 (M) 0.40% for first quarterand 0.20% for subsequent quartersFrom 10.001 (M) Upto 100.000 (M) 0.30%For First Quarter and 0.15% for subsequentquarters From 100.001 (M) Upto 200.000(M) 0.15% for first quarter and 0.10% forsubsequent quarters.
Above 200.000 (M) 0.10% for first quarterand 0.10% for subsequent quarters.
Min. charge of Rs. 1500/- or asapproved by the Credit and Businessauthorities. The annual volume shall beascertained on the basis of firmcommitment (past record) which shallbe documented in the Facility OfferLetter. Upon failure to route thecommitted business, customer shall paythe balance commission in accordance
to the slab that is applicable to theactual volume routed. The balancecommission will be recovered at thetime of renewal of facilities.
As per arrangement with thecustomer approved by the Credit andBusiness authorities.
Commission at the time of openingof Letter of Credit at the rate upto
0.40% per quarter or part thereofupto final payment, minimum.Rs. 2,000/- commission to becharged on full amount of Letter ofCredit, that is, liability plus interestpayable thereon for the period fromdate of opening of Letter of Credittill its expiry; thereafter, commissionwill be recovered on quarterly basison outstanding/reduced liability asper revised Schedule of Chargesapplicable as on date.
Commission @ 1.6% per annum onreducing liability basis or as perarrangement approved by the Creditand Business authorities. MinimumRs.2,000/-
On expiry of LC when the same isvalidated, revalidation commissionwill be recovered as is applicable foropening fresh LC as above.NIL if the revalidation period fallswithin the quarter for which the LCcommission has already beenrecovered.
A. Imports GL Account
1. Letter of Credit Commission
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Trade Services
A. Imports
1.d) Transfer of Letter of Credit to newbeneficiary
1.e) Letter of Credit confirmation/cancellation in case where thecharges are on account of opener
1.f) Letter of Credit cancellation
1.g) Non-reimbursable Letters of Creditunder Barter/Aid/Loans
1st Quarter
Subsequent Quarter
1.h) Acceptance Commissionif bills are to be drawn at sance
under Letters of Credits
1.i) i) Amendments ii) Amendment involving increase in
amount and on extension inperiod of shipment/negotiation
1.j) Form-I handling charges
2.a) Markup on Import Bills under Letterof Credit (On daily products fromthe date of negotiation/Date of
debit authority)
2.b) Markup on import bills underusance Letter of Credit if not paidby the importer on maturity date
2.c) i) If 100% Margin in Current
Account is blocked ii) Advance remittance to suppliersabroad against imports
When Letter of Credit is transferredto new beneficiary, transfercommission will be charged asapplicable in case of opening freshLetter of Credit as 1.a) above.
At actuals including our incidentalcharges
Rs. 1,500/- plus SWIFT Charges
1% per quarter or part thereofminimum Rs. 1500/-
0.30% for each subsequent quarteror part thereof minimum Rs. 2,000/-
a) Rs. 750/- per bill to be chargedat the time of retirement of bills.
(b) In addition, commission at therate 0.15% per month or partthereof to be charged for anyperiod beyond validity of LC,minimum Rs. 500/- However, nocommission to be charged if thematurity/payment period of the billsfalls within the period for which LCopening commission has alreadybeen recovered.
Rs. 1,000/- per amendment (flat)Rs. 1,000/- per transaction pluscommission as per item 1.a) 1.b) and1.f) above
Rs. 25/- per form
Markup @ Rs.0.55/- Rs. 1,000/- dailyproducts on the bill amount from thedate of negotiation appearing on
covering schedule/value date,wherever applicable or as perarrangement approved by the Creditand Business authorities.
Markup @ Rs.0.60/- Rs. 1,000/-daily products on the bill amountshall be charged or as perarrangement the Credit andBusiness authorities.
No markup on Import Bill
0.10% Minimum Rs. 1,000/- plusremittance chargesincase of remittance againstLC/contract no commission and onlyremmittance charges to berecovered
52306
RelevantExpense Code
52304
52305
52308
5230652306
52368
RelevantMarkupIncome
Account
RelevantMarkupIncomeAccount
55517
2. Import Bills (Under sight Letter of Credit)
GL Account
02
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65078
55517
52305
65078
55507
65062
55510555105551055510
RelevantExpense Code
55510
55517
52310
RelevantMarkupIncome
Account
Trade Services
A. Imports
3.a) Handling charges
3.b) Returned unpaid
4.a) Contract registration for import
4.b) Handling charges
5.a) Postage
5.b) Courier service
5.c) SWIFT Messages
i) Full Text of Letters of Credit ii) Brief Text of Letters of Credit iii) Brief Text/Fax amendment of LCs/cancellation
5.d) Obtaining credit reports on supplierfrom credit rating agency
5.e) Correspondence charges, if any willbe recovered
5.f) Service charges against import
transactions i.e. Import bill (PAD),usance bills under Letter of Credits,collection and consignment basis
5.g) Handling of discrepant documentspresented under L/C
5.h) Temporary financing due tonon-payment on maturity date ofacceptance liability, overdue
FATR/FIM/FAPC/FAFB, any otherliability arising out of unarranged/forced situation
5.i) Non-Interest based LC transactions
Rs. 1,000/- (flat) in addition tocorrespondent charges as realized.
Rs. 1,000/- in addition tocorrespondent bank charges.
0.10% Min Rs.1,500/- or as perarrangement the Credit andBusiness authorities.
Rs. 1000/-
Rs. 150/- or actual (whichever is higher)
As per actual
Rs. 1,500/-Rs. 600/-Rs. 500/-
As per actual
As per actual
0.1% flat Min Rs.750/- or as per
arrangement approved by the Creditand Business authorities.
US$ 60 (To be deducted from theproceeds of import bills whereapplicable or to be recovered fromthe presenting bank if amount isalready reimbursed.)
Markup @ Rs.0.60/- per 1000/-daily products on the bill amountshall be charged or as per
arrangement approved by the Creditand Business authorities.
In case substantial deposit ismaintained in Current Account, Bankcan allow opening of LC withoutrecovering any charges or as perarrangement approved by the Creditand Business authorities.
3. Import Collection Bills
5. Other Charges
4. Import on Consignment Basis
03
GL Account
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Note • In case the Letter of Credit liability increases by virtue of exchange rate fluctuation and/or due
to utilisation of 'Forward Cover' Facility (by the customer), bank reserves the right to recoverabove Letter of Credit commission on increased liability for the un-expired Letter of Credit period
• Charges may be collected in Pak-Rupee or Foreign Currency in all categories
• No markup will be charged on import bill if 100% cash margin is deposited in non-profitbearing account at the time of opening of Letter of Credit. Markup will also not be charged if
100% cash margin is deposited in non-profit bearing account before the date of negotiation.Cash margin held by the branch less than 100% will be ignored for the purpose of chargingmarkup on bill amount from the date of negotiation till the date of lodgement. However,proportionate rebate on margin amount will be allowed while calculating markup from the dateof lodgement till the date of retirement
• Bank reserves the right to change the rate of markup at any stage, subject to the rate notexceeding rates notified by the State Bank of Pakistan
52368
52305
52305
52305
Trade Services
A. Imports
5.j) Issuance of NOC to other Banks forbooking Foreign Exchange oreffecting remittance under our L/C
or registered contract
6.a) New facility/enhancement
6.b) Renewal
6.c) EOL/OTT
Rs. 1,000/- per NOC
If a limit is primarily approved for agroup where it’s group concerns areallocated sub-limits, then theprocessing charges should be takenonly once i.e not for each company.
New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.2%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.2%* or a minimum of PKR 20,000From Rs.50M to Rs.99.999M - Up to0.2%* or a minimum of PKR 25,000Above Rs.100M - Up to 0.2%*or a minimum of PKR 50,000
or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter
New facility/enhancementUp to Rs.4.999M - Up to 0.1%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.1%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.1%* or a minimum of PKR 6,000From Rs.50M to Rs.99.999M - Up to0.1%* or a minimum of PKR 11,000Above Rs.100M - Up to 0.1%*or a minimum of PKR 16,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter
Up to Rs.19.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.20M to Rs.49.999M - Up to0.2%* or a minimum of PKR 4,500Above Rs.50M - Up to 0.2%*or a minimum of PKR 6,000
or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter
6. CLP processing charges,where LC or trade related limitsare being proposed only
GL Account
04
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Trade Services
B. Exports
1.a) Advising
1.b) Amendment 1.c) Confirmation
1.d) Transfer of Export Letter of Credit1.e) L/C pre-advice advising
2.a) Documents sent to other banks fornegotiation under restricted Letterof Credit
2.b) Reimbursement payment to otherlocal banks from Non-ResidentPak-Rupee Accounts/Asian ClearingUnion Accounts
2.c) Negotiation of Rupee bills under
Export Letter of Credit
3.a) Clean financial instruments
3.b) Documentary (on which bank doesnot earn any exchange income)
4.a) Service Charges against exportdocuments sent on collection basiswhere payment cover is alreadyreceived in Bank's Foreign CurrencyAccount/Advance Payment
4.b) Service charges on Research &
Development Support (RDS) claimsof Exporter from SBP
4.c) Discrepant documents charges
4.d) Clean documents charges
Rs. 1000/- (flat)
Rs. 750/- per amendment
0.25% per quarter minimum Rs. 1,000or as per arrangement approved bythe Credit and Business authorities.
Rs. 1,000/-Rs. 1,000/-
Rs. 1,000/- (flat)
Rs. 1,000/- (flat)
0.25% minimum Rs. 500/-Markup @ Rs. 0.45/-/day/Rs. 1000/-from the date of negotiation till thedate of realization
Rs. 200/- per collection
Rs. 400/- per collection
Paisas 12 per Rs. 100/- minimum ofRs. 600/-
Rs.1,000/- flat or as per
arrangement approved by the Creditand Business authorities.
Minimum Rs.2,000/-Maximum 0.1% subject to ceiling ofRs.5,000/- plus courier charges oras per arrangement approved by theCredit and Business authorities.
Minimum Rs.1,000/-Maximum 0.05% subject to ceilingof Rs.2,500/- plus courier charges
or as per arrangement approved bythe Credit and Business authorities.
1. Letter of Credit
2. Export Bills
4. Service Charges
3. Collections
52316
52316
52315
52316
52316
55517
55517
65034
55517
55517
55517
55511
52310
52330
GL Account
05
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Trade Services
4.e) Handling fee for freight subsidy cases
4.f) Export development surcharge -handling fee
4.g) Late realisation negotiation (sight)
4.h) Late realization Negotiation (Usance)
4.i) Late realisation of export proceedsagainst negotiation/purchase/
discounting (sight bills) in FE-25deposits
4.j) Late realisation of export proceedsagainst negotiation/purchase/
discounting (Usance bills) in FE-25deposits
4.k) Handling charges in lieu of exchangeearnings where an exporter sellsforeign exchange to some other
bank while documents were sent forcollection through BAFL
4.l) NOC issuing charges for each Form 'E'
4.m) NOC for entitlement against EEstatement
Rs. 200/- (subject to change by EPB)
Rs. 80/- (subject to change by EPB)
If proceeds not realised within 12days then mark up @ Rs. 55 perRs.1000/- per day is to be chargedfor any delay beyond 12 days or asper arrangement approved by theCredit and Business authorities.
To be recovered as per terms ofapproval as approved by the Creditand Business authorities
If proceeds are not realised in ourNostro Account within 12 days thenpenalty @ Libor + 4% is to becharged for any delay beyond 12days or as per arrangement
approved by the Credit and Businessauthorities.
If proceeds are not realised with indue date in our Nostro Account thenpenalty @ Libor + 4% is to becharged for any delay beyond 3 daysor as per arrangement approved bythe Credit and Business authorities.
0.10%, minimum Rs. 1,000/-
Rs. 100/- per form
Rs. 1,000/- per NOC
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 fund will be
debited to customer account
B. Exports
55511
55511
65036
65036
65036
65036
55517
52368
52368
GL Account
06
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Trade Services
C. Foreign Bills Purchased/Collection
1.a) Issuance (Traveller's Cheques)(Foreign Currency)
1.b) FCY Cheques/Drafts/TCs sent oncollection
1.c) Registration of student case
2.a) Family maintenance
2.b) Studies abroad
2.c) SBP approvals for capital transfers,dividends, freight
2.d) Other Approvals from SBP
3.a) Unpaid Items
3.b) Correspondents charges
3.c) Postage
3.d) Courier Service
3.e) Full Text Swift
3.f) Brief Text Swift
1.a) Issuance
1.b) i) Amendments
ii) Amendment involving increase inamount and/or extension in periodof dispatch/delivery/negotiation
1.c) Advising
1.d) Acceptance commission
1.e) Service charges on retirement ofSight/Usance Bills
1% amount of TCs on sold minimumRs. 200/-
US$ 25 plus actual courier charges(correspondent bank charges will beextra, if any).
US$ 100 first year, every renewal US$75 plus applicable remittance charges.
Rs. 1,000/- per transaction
Rs. 1,000/- per transaction
Rs. 1,500/- per transaction plusremittance charges
Rs. 1,500/- per transaction plusremittance charges
US$ 5 or PKR 500 (or equivalent)
Actual (if any will be recovered)
Rs. 150/- or actual, whichever is higher
Rs. 2,000/- or actual, whichever is higher
Rs. 2,000/- or actual, whichever is higher
Rs. 1,000/- or actual, whichever ishigher
0.4% per quarter or part thereof.Minimum Rs.1,500/- or as perarrangement approved by the Creditand Business authorities.
Rs. 1,000/- (flat) per amendment
Rs. 1,000/- per amendment pluscommission as per item number1.a) above
Rs.1,000/- flat per Letter of Credit
a) Rs. 500/- (flat) per bill charged atthe time of retirement of bills.b) In addition, commission at the rateup to 0.125% per month for any period
beyond the validity of Letter of Credit.Minimum Rs. 500/-
0.10% of bill amount (flat) minimumRs.750/- or as per arrangementapproved by the Credit and Businessauthorities.
2. Foreign Exchange Permits
3. Other Charges
1. Letter of Credit
D. Inland Letters of Credit
52051
65052
55579
55578
55579
RelevantExpense Code
55507
55508
55510
55510
52305
52306
52306
52316
52308
52308
55517
GL Account
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Trade Services
D. Inland Letters of Credit
2. Collection
1.f) Confirmation/Cancellation
1.g) Discrepancy charges in case ofsight/usance bills under inland L/C
2.a) Documentary
2.b) Clean (including cheques)
3.a) i) Documentary Bills other thanthose drawn against Letter of Credit
ii) Through branches of our Bank
3.b) i) Clean Bills/Trade Cheques
ii) Through branches of our Bank
3.c) i) Purchase of Usance Draft underUsance Letter of Credit
ii) Markup if retired up to 21st day
iii) Markup if retired during next 210days
3.d) Dividend warrants etc.
3.e) Negotiation at sight
3.f) Collection charges for Usance Bills
In case of confirmation 0.25% perquarter or part thereof minimum Rs. 500In case of cancellation as per actual
Rs. 1,000/- flat
0.30% of document value minimum
Rs. 750 or as per arrangementapproved by the Credit and Businessauthorities.
Rs 500 Flat on Bill less than USD10,000Rs: 1000 flat on bill Eqv:of USD10,000 and aboveNo courier charges for cheques senton collection to Banks situated insame Tehsil.
0.45% 200/- plus markup from thedate of purchase to the date ofpayment and courier charges.
As per arrangement with the customer
0.45% minimum Rs. 200/- plus markupfrom the date of purchase to the dateof payment and courier charges.
As per arrangement with the customer
Usual commission as at 3.a above plusmarkup/markdown from the date ofpurchase till the date of payment.
46 paisas per Rs. 1,000/- per day (afterthe date of maturity i.e. next day ofmaturity till the date of payment)
55 paisas per Rs.1,000/- per day (afterthe date of maturity i.e. next day ofmaturity till the date of payment)
Or as per arrangement approved bythe Credit and Business authorities.
0.60% of the amount of dividendwarrants, minimum Rs. 50/-
0.25% minimum Rs. 500/-
0.40% per bill minimum Rs. 500/-
3. Purchase of Bills/Cheques etc.
Confirmation: 52315
Cancellation: 52304
52310
65051
65051
52330
52330
52330/51500
52330/51500
52300
65034
65034
52621
52312
52330
GL Account
08
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5260752607
RelevantExpense Code
55507/55581
55510
52607
GL Account
09
Trade Services
D. Inland Letters of Credit
5.a) Collection agent charges
5.b) Postage
5.c) Telex
5.d) Storage charges
4.a) Returning charges: i) Documentary Bills ii) Clean Bills
As per actual
Rs. 100/-
Rs. 500/- (full)
Rs. 50/- per pack per day
Rs. 400/- per billRs. 400/- per bill
Note
• Collecting agent charges, if the collecting bank is different, will be extra• Other 'out-of-pocket' expenses will be charged at actual
5. Other Charges
4. Unpaid items
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Advances/Finances
1.a) Project examination/term loan duediligence fee
1.b) Interim review/processing fee
1.c) New facility initiation/renewal
of facility (where applicable)
i) Corporate borrower
ii) SME/Commercial borrower
iii) OTT/EOLs
1.5% of project facility requested or asarrangement approved by or as perarrangement approved by the Creditand Business authorities.
Rs. 3,000/- (flat)
If a limit is primarily approved for a
group where its group concerns areallocated sub-limits then the processingcharges should be taken only once i.enot for each company.
Up to 0.01% of sanction amount or asper arrangement approved by theCredit and Business authorities.
New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 3,000
From Rs.5M to Rs.9.999M - Up to 0.2%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.2%* or a minimum of PKR 20,000From Rs.50M to Rs.99.999M - Up to0.2%* or a minimum of PKR 25,000Above Rs.100M - Up to 0.2%*or a minimum of PKR 50,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter
Renewals at existing levelUp to Rs.4.999M - Up to 0.1%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.1%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.1%* or a minimum of PKR 6,000From Rs.50M to Rs.99.999M - Up to0.1%* or a minimum of PKR 11,000Above Rs.100M - Up to 0.1%*or a minimum of PKR 16,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter
Up to Rs.19.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.20M to Rs.49.999M - Up to0.2%* or a minimum of PKR 4,500Above Rs.50M - Up to 0.2%*or a minimum of PKR 6,000or as per arrangement approved by the
Credit and Business authorities.*As accepted in the Facility Offer Letter
A. Advances
55563
55563
55563
55563
55563
55563
GL Account
10
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Advances/Finances
1.d) Commitment fee/up-front fees
1.e) Legal & administrative fee(where legal advise is obtained)
1.f) Miscellaneous charges (documents,evaluation of security andmaintenance thereof)
1.g) Replacement of securities (interim)
1.h) To mark lien on securities notissued by us
1.i) Registration of charge withRegistrar of Securities ExchangeCommission of Pakistan. (SECP)
1.j) Late payment of instalmentsCommercial TF (If TF is to be repaidon amortization basis)
2.a) Godown rent
2.b) Godown staff salaries
2.c) i) Godown inspection charges wheninspection is carried out by Bank Staff
• Within municipality limit or withina radius of 10 km from Branch
• Outside municipality limits
2.c) ii) Godown inspection chargeswhen inspection is carried out byoutside agencies
2.c) ii (a) Where inspection is carried
out with in the same city
2.c) ii (b) For inspection of godowns/stocks located outside the cityarea (over 35 Km)
2.d) Other incidental expenditure (insurance, legal, etc.)
2.e) Collection of coupon (on Governmentcertificates issued by other banks/
saving centers under lien to us)
0.50% - 1.00% (on sanction/renewal)or as per arrangement approved bythe Credit and Business authorities
As per actual
As per actual
i) For cash/cash equivalent Rs. 2,500/- (flat)ii) For other securities Rs. 5000/- (flat)
Rs. 500/- (service charges)
Actual charges incurred by thebranch
0.1% per day of the overdueinstalment amount
As per actual
As per actual
As per actual
As per actual
As per actual
As per actual
As per actual
Rs. 1,000/- per visit per site
A. Advances
2. Charges for Advances Against Pledge/Hypothecation
52019
RelevantExpense Code
RelevantExpense Code
52607
52607
RelevantExpense Code
52235
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
Relevant
Expense Code
RelevantExpense Code
RelevantExpense Code
52607
GL Account
11
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Advances/Finances
2.f) Issuance of delivery orders againstfinance against importedmerchandise, cash credit and allgoods under pledge (whereapplicable)
2.g) Issuance of NOC (customer'srequest) on request of customers/
clients for creating additional/pari
passu charge/second charge on their fixed/current assets for acquiring
further finance from other Banks/
Financial Institutions
2.h i) Temporary financing due tonon-payment on maturity date ofacceptance liability, overdueFATR/FIM/FAPC/FAFB, any otherliability arising out ofunarranged/forced situation
ii) Penalty for late payment ofmarkup
iii) Penalty of late payment ofmarkup on Export Refinance Bills
Up to Rs. 500/-or as per arrangementapproved by the Credit and Businessauthorities.
Up to Rs 10,000 or as perarrangement approved by the Creditand Business authorities.
Markup@ Rs.0.60/- per 1000/- dailyproducts on the bill be charged 'asper arrangement approved by theCredit and Business authorities.
Fifteen days beyond the due date aregiven to service markup. Should themarkup not been serviced within thosefifteen days, then penalties as given areto be charged at the flat rate indicatedon a per day basis for the entire periodbeyond the grace period during whichthe markup has not been serviced. Thisperiod will not include the fifteen daypermissible as grace period. Incase of
partial payments relevant slab as perbalance due shall be applicable.
For all cases other than ERF 15 daysbeyond the due date are given toservice markup. For ERF cases the latepenalty will start from the date ofmaturity/due date of ERF or date ofdebit of Bank Account by SBP,whichever is earlier. Relaxation/waiverof this penalty to be allowed as perarrangement approved by the Creditand Business authorities.
A. Advances
Up to Rs. 500,000/-
b/w Rs. 500,001/- and Rs. 1,000,000/-
b/w Rs. 1,000,001/- and Rs. 2,000,000/-
b/w Rs. 2,000,001/- and Rs. 4,000,000/-
b/w Rs. 4,000,001/- and Rs. 5,000,000/-
Above Rs. 5,000,000/-
Rs. 200/-
Rs. 450/-
Rs. 1,000/-
Rs. 1,800/-
Rs. 2,750/-
Rs. 5,000/-
Penalty per day Slab (markup due)
52607
52368
Relevantmarkup
income code
52235
Relevantmarkup
income code
GL Account
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A. Advances
If a party fails to pass on committedbusiness in writing while getting thecredit line sanctioned in its favour, thebank reserves the right to recovercompensatory commission (every timeof renewal/extension) maximum at therate of 1.00% to the extent of shortfallin business so committed to be routedthrough us or as per arrangementapproved by the Credit and Business
authorities.
Rs. 100/- per report (recoverable atthe time of processing of freshfacilities or at the time of renewal orlimit enhancement or through EOL &OTT) or at the time of restructuring/rescheduling of the facility.
New facility/enhancementUp to Rs.4.999M - Up to 0.2%*
or a minimum of PKR 2,500From Rs.5M to Rs.9.999M - Up to0.2%* or a minimum of PKR 4,000From Rs.10M to Rs.20M - Up to0.2%* or a minimum of PKR 6,000or as per arrangement approved bythe Credit and Business authorities.
*As accepted in the Facility Offer
Letter
Renewals at existing levelUp to Rs.4.999 - Up to 0.1%*
or a minimum of PKR 2,500From Rs.5M to Rs.9.999M - Up to0.1%* or a minimum of PKR 4,000From Rs.10M to Rs.20M - Up to0.1%* or a minimum of PKR 6,000
or as per arrangement approved bythe Credit and Business authorities.
*As accepted in the Facility OfferLetter.
Actual cost of revenue and specialadhesive stamps
Actual charges of lawyers on theBank's approved panel
Actual charges of valuators on theBank's approved panel
2.i) Business commitment &compensatory commission
2.j) ECIB report
3. Alfalah Karobar Finance
i) Processing fee (up-front with LAF)
ii) Documentation charges
iii) Legal charges
iv) Property valuation charges
Advances/Finances
52019
55587
52023
52023
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
GL Account
13
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55561
55559
Relevant
Expense Code
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
55567
55567
55568
52041
52041
52042
52043
52043
GL Account
14
Advances/Finances
4. Alfalah Milkiat Finance
i) Processing fee (up-front with LAF)
ii) Late payment charges
iii) Documentation charges
iv) Legal charges
v) Property valuation charges
vi) Business & financial appraisalcharges
5. Alfalah Quick Finance
i) Processing charges
ii) Renewal/enhancement charges
iii) Late Payment charges
6. EEZEE Finance
i) Processing charges
ii) Renewal/enhancement charges
iii) Late payment charges
7. Alfalah Merchant Line
i) Processing fee (up-front with LAF)
Rs. 7,500/- or 0.1% of the loanamount, whichever is higher
Rs. 200/- per day after becomingoverdue
Actual cost of revenue and special
adhesive stamps
Actual charges of lawyers on theBank's approved panel
Actual charges of valuators on theBank's approved panel
At actual
Rs. 1000/- per application
Rs. 500/- per application
Rs. 200/- per day after 15 days ofbecoming due
Rs. 2,000/-
Rs. 1,000/-
Rs. 50/- per day to be recovered from16th day after due date
New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 5,000From Rs.5M to Rs.9.999M - Up to0.2%* or a minimum of PKR 10,000From Rs.10M to Rs.15M - Up to 0.2%*or a minimum of PKR 15,000or as per arrangement approved bythe Credit and Business authorities.*As accepted in the Facility Offer Letter
Renewals at Existing level
Up to Rs.4.999M - Up to 0.2%* or aminimum of PKR 5,000 from Rs.5M toRs.9.999M – Up to 0.2%* or aminimum of PKR 10,000from Rs.10M to Rs.15M - Up to 0.2%*or a minimum of PKR 15,000 or as per
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Advances/Finances
arrangement approved by the Creditand Business authorities.*As accepted in the Facility Offer Letter
Actual cost of revenue and specialadhesive stamps
Actual and approved charges oflawyers on the Bank’s approved panel
0.5% of lease amount or as perarrangement approved by the Creditand Business authorities.
Rs. 3000/-
5% of the principal outstanding
5% of the principal outstanding
4% of the principal outstanding
3% of the principal outstanding
2% of the principal outstandingor as approved by the line Group HeadNIL charges incase of damage/theft ofleased asset
0.5% per calendar quarter on the
amount of Letter of Comfort
0.1% per day of the overdue rentalamount
Rs. 250/- per cheque
ii) Documents charges
iii) Legal charges
Processing charges will be recoveredonce for the complete lease period
i) Front-end fee
ii) Documentation handlingcharges/per sanction advice
iii) Termination charges
a) Termination take place in the first year
b) Termination take place in thesecond year
c) Termination take place in thethird year
d) Termination take place in the fourth year
e) Termination take place in the fifth year
iv) Commitment charges for issuance
of BAFL letter of comfort
v) Additional lease rentals
vi) Cheque return charges
B. Lease Finance (as per the arrangement with the customer)
RelevantExpense Code
RelevantExpense Code
55563
55563
55546
55546
55546
55546
55546
52019
52235
55530
GL Account
15
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52022
52022
52019
RelevantExpense Code
RelevantExpense Code
RelevantExpense Code
55523
55523
55523
55523
55523
5552355523
55523
GL Account
16
Advances/Finances
i) Processing fee a) Up to Rs.1.0M b) Above Rs. 1.0M to Rs. 3.0M c) Above Rs. 3.0M to Rs. 5.0M c) Above Rs. 5.0 M to Rs. 10M d) Above Rs. 10M
ii) Project examination fee
iii) Commitment fee
iv) Legal charges
v) Property valuation
vi) Documentation charges
vii) Late payment charges on delayed markup servicing after grace period
of one month from due date (excepting markup up payable by PDDC)
i) Amount of overdue markup Up to Rs. 50,000/-
ii) Amount of overdue markup exceeds Rs. 50,000/- Up to
Rs. 250,000/-
iii) Amount of overdue markupexceeds Rs. 250,000/-
viii) a) Late payment charges ondelayed annual cleanupb) Late payment of instalments (TF)
c) Late adjustment ofPaidawari Zarai Sahulat" DF
d) Late payment of rentals under LF
ix) Alfalah Pasban Cash Linea) Processing charges
b) Renewal/enhancement charges c) Late payment charges
Rs. 1,000/-Rs. 2,000/-Rs. 5,000/-Rs. 10,000/-Rs. 15,000/-
Maximum 0.5% of the project facilityrequested. Applicable to projectfinancing only under non farm/noncrop sector.
0.5% on unutilised portion ofsanctioned amount. Applicable to TFfacilities only.
Actual charges of lawyers on thebank's approved panel
Actual charges of valuators on thebank's approved panel
Actual cost of revenue and specialadhesive stamps
Rs. 500/- per month or part thereof
Rs. 1000/- per month or part thereof
Rs. 2,000/- per month or part thereof
1% p.a. late payment charges to berecovered on the overdue amount for
the overdue period at the time ofcleanup/payment of instalment/rental
Rs. 500/- per applicationRs. 250/- per applicationRs. 100/- per day after 15 days ofbecoming due
C. Alfalah Rural Finance
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CLPs for guarantees are subject toprocessing charges as mentioned in 1.c.Advance section CLP processing charges
1.a) Guarantees issued to shippingcompanies in lieu of Bills of LadingAirways Bill and Railway Receipt
1.b) Guarantees issued to Collector ofCustoms in lieu of payment of exportduty, which remains valid for 6months
1.c) Guarantees secured againstCash/Cash collaterals(Deposits/Government Securities,etc)
1.d) Other Guarantees
Rs. 1,500/- (flat) against 110% cashmargin. The cash margin may bereduced to 100% or as per
arrangement approved by the Creditand Business authorities.
0.60% per quarter or part thereof.Minimum Rs.1,500 or as perarrangement approved by the Creditand Business authorities.
Against 100% cash margin:Rs.1000/-
flatAgainst 100% Deposit Under Lien:
Negotiable (Min. Rs.1,000/-)
on account other than 100% cashmargin & current account:1) Min 0.15% per quarter having goodaccount turnover. Minimum Rs.1250/-or as per the arrangement approvedby the credit and business authorities.2) Max 0.30% per quarter. MinimumRs.1250/- or as per the arrangementapproved by the by credit and
business authorities
All guarantees issued by Bank Alfalahagainst the receipt of counterguarantee from CorrespondentBanks counter guarantees thecommission charged to the customerswould be determined and approved byFinancial Institution Division
Annual Volume PricingUp to Rs. 50M 0.40%Up to Rs. 150M *min 0.35%Up to Rs. 300M *min 0.30%Minimum Rs.1,500/- The above relaxations from 0.40%per shall be allowed or as perarrangement approved by the Creditand Business authorities based onthe cash margin % and other creditrisk factors.
For allowing such privileged ratesthe a commitment letter shall betaken.
Advances/Finances
D. Guarantees
PL52395/PKR159640001
PL52395/PKR159640001
PL52395/PKR
159640001
PL52395/PKR159640001
PL52395/PKR159640001
PL52395/PKR159640001
GL Account
17
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PL52395/PKR159640001
52380
PL52395
PL52395/PKR159640001
PL52395
GL Account
18
Advances/Finances
1.e) Issued at other Bank's request inPakistan
1.f) Against Foreign Bank'sguarantees
1.g) i) Amendments of Guarantees
ii) Increase in amount and orextension in period
1.h) Service charges for handling claimlodgment against LGs by the beneficiary
from the customer and placed onrecord. While executing renewal ofthe facility the Credit marketing andthe sanctioning authority both shallensure that committed annualvolume was routed otherwisebalance from the full commission at0.4% per quarter for every LG issuedwithin the year shall be recovered.
As per arrangement approved by theCredit and Business authorities.
As approved by FID plus or as perarrangement approved by the Creditand Business authorities.
Rs. 1,000 per amendment
Commission as per item 1.d above
Rs. 2,500/- plus actual
Note• All Guarantees issued by Bank will contain specific amount and expiry date and a date by
which the claims are to be lodged, except open ended Guarantee issued in compliance withSBP instructions.
• Commission to be charged from the date of issue till expiry of Letters of Guarantees. In caseof open ended guarantee, commission will continue to be charged till such time the bank is
released from its liability under the Guarantees, whichever is later.
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Consumer Banking
i) Service fee
3.33% per month (40% APR) onCash Advance3.33% per month (40% APR) onRetail Transactions2% per month (24% APR) on BTFTransactionsSBS Transactions (APR 31.23% to36.74%)
SBS Factors & APR details:
Instalment Plan Factor APR
3 months 0.3508330 31.23%
6 months 0.1841670 35.15%
9 months 0.1286110 36.36%
12 months 0.1008330 36.74%
18 months 0.0730560 36.68%
24 months 0.0591670 36.22%
30 months 0.0508330 35.66%
36 months 0.0452780 35.07%
BTF to SBS transactions (APR 17.73%to 21.44%)BTF to SBS factors & APR details:
Instalment Plan Factor APR
3 months 0.343233 17.73%
6 months 0.176567 20.09%
9 months 0.121011 20.90%
12 months 0.093233 21.25%
18 months 0.065456 21.44%
24 months 0.051567 21.37%
30 months 0.043233 21.21%
36 months 0.037678 21.01%
Credit on Phone to SBS Transactions(APR 24.58% to 29.27%)Credit on Phone to SBS Factors &APR details:
Instalment Plan Factor APR
3 months 0.34708 24.58%
6 months 0.18042 27.76%
9 months 0.12486 28.79%
12 months 0.09708 29.18%
18 months 0.06931 29.27%
24 months 0.05542 29.03%
30 months 0.04708 28.69%
36 months 0.04153 28.30%
Cheque Book and Credit on Phone toSBS Transactions (APR 24.58% to29.27%)Credit on Cheque Book and Crediton Phone to SBS Factors and APR
details:Instalment Plan Factor APR
3 months 0.34708 24.58%
6 months 0.18042 27.76%
9 months 0.12486 28.79%
A. Visa / MasterCard1. Credit Card Operations (July-December-2015)
PL55601,PL55602,PL55603
PL55605
PL55605
PL55605
PL55605
GL Account
19
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Consumer Banking
Rs. 1,000/- or 3% of cash advanceamount whichever is higher1% of cash advance amount1% of cash advance amount orRs. 300/- whichever is higher
Rs. 200/- (available in cities havingBank Alfalah branches)
2% of the over limit amount orRs. 1,000/- whichever is higher
Local Rs. 350/- and internationalRs. 800/-
Rs. 500/-
Rs. 800/-
Rs. 500/- or 2.5% of transactionamount whichever is higher
5% on balance amount or Rs. 1,000/-whichever is higher
0.55% of outstanding amount
Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)
Rs. 50/- per utility bill (Above 5,000through Call)
US$ 10.00US$ 31.80 per visit
Rs. 50/- per month
Rs. 100/- per month
Rs. 25/- per transaction
Rs. 10/- per PIN
Up to 5% over prevailing market rate oras per SBP directive. Third currency
A. Visa/MasterCard
ii) Late fee
iii) Merchant discount charges
iv) Visa minicard fee
v) Cash withdrawal fee: a) Cash advance fee/call & pay fee
b) Acquiring bank charges c) Counter fee of other cards
vi) Cheque/cash pickup fee
vii) Over limit fee
viii) Voucher retrieval fee
ix) Card replacement fee/upgrade fee
except Platinum Card upgradationfee
x) Cheque return charges/rejected
autopay service fee xi) Step by Step/Credit on Phone to SBS
processing charges
xii) Step by Step/Credit on Phone to SBSpremature settlement charges
xiii) Credit cover premium
xiv) Utility bill payment
xv) Visa Platinum/Titanium Priority Pass fee
a) Annual fee b) Airport lounge visit fee
xvi) SMS alert fee
xvii) Mobile banking fee
xviii) Merchant Cash Advance Incentive
xix) Mobile PIN issue charges
xx) Foreign transactions
12 months 0.09708 29.18%
18 months 0.06931 29.27%
24 months 0.05542 29.03%
30 months 0.04708 28.69%
36 months 0.04153 28.30%
Rs.1,200/- or 10% of minimumamount whichever is higher
Up to 5% of transaction amount
Rs. 500/- per card
PL55536
PL52025
PL55526
PL55528
PL55528PL55528
PL65060
PL55533
PL55539
PL55526
PL55530
PL55534
PL55538
PKR144530050
PL55548
PKR152150050PKR152150050
PL55566
PL65060
PL55528
PL65060
PL55613
GL Account
20
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Consumer Banking
xxi) Arbitration charges
xxii) Insurance cancellation charges
xxiii) Platinum Card issuance fee
xxiv) Platinum Supplementary Cardissuance fee
xxv) Platinum Card upgradation fee
xxvi) Platinum Supplementary Cardupgradation fee
xxvii) Internet charges
xxviii) Reward point booklet charges
xxix) Virtual Card issuance fee
xxx) BTF processing fee
xxxi) Direct debit enrollment fee
xxxii) Chip Card upgrade charges
xxxiii) Safe custody handling charges
xxxiv) Card conversion fee (one time charges)
xxxv) Cheque book facility on all cardsIssuance charges
xxxvi) Foreign currency transactionsprocessed through foreignmerchants
( xxxviii ) C-Shop products for value more than Rs 5,000/-
i) Service fee
transactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.
US$ 500/-
Rs. 100/-
Rs. 4,000/-
Rs. 2,000/-
Rs. 1,500/-
Rs. 1,000/-
Rs. 100/- (per session)
Rs. 300/- (per book)
Rs. 100/-
Rs. 500/- or 2.5% of transactionamount whichever is higher
Rs. 200/-
Classic (Basic) Rs. 500
Classic (Supplementary) Rs. 500
Gold (Basic) Rs. 750
Gold (Supplementary) Rs. 750
Platinum (Basic) Rs. 1,000Platinum (Supplementary) Rs. 1,000
Titanium (Basic) Rs. 1,250
Titanium (Supplementary) Rs. 800
Rs. 500/- on post dated cheques
Up to 2000/-
Rs. 200/-per book (20 leaves)
Rs. 0.4 per dollar for all USDtransactions; for non USDinternational transactions, 3% to becharged in addition to Rs. 0.4 perdollar.
Processing fee of 2.5% or Rs.500/-whichever is higher on pertransaction amount.
3.33% per month (40% APR) on
cash advance3.33% per month (40% APR) on
retail transactions
2.00% per month (24% APR) on BTFtransactions
A. Visa/MasterCard
2. Awami Visa/MasterCard (July-December-2015)
GL Account
21
PKR144340050
PL65060
PL55526
PL55526
PL55226
PL55226
PL65060
PL65060
PL65060
PL55534
PL55534
PL52033
PL65060
PL65060
PL65060
PL55613
PL55534
PL55601,
PL55602,PL55603
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ii) Late fee
A. Visa/MasterCard
Consumer Banking
SBS Transactions (APR 31.23% to36.74%)SBS Factors & APR details:
Instalment Plan Factor APR
3 months 0.3508330 31.23%
6 months 0.1841670 35.15%
9 months 0.1286110 36.36%
12 months 0.1008330 36.74%
18 months 0.0730560 36.68% 24 months 0.0591670 36.22%
30 months 0.0508330 35.66%
36 months 0.0452780 35.07%
BTF to SBS Transactions (APR17.73% to 21.44%)BTF to SBS Factors & APR details:
Instalment Plan Factor APR
3 months 0.343233 17.73%
6 months 0.176567 20.09% 9 months 0.121011 20.90%
12 months 0.093233 21.25%
18 months 0.065456 21.44%
24 months 0.051567 21.37%
30 months 0.043233 21.21%
36 months 0.037678 21.01%
Credit on Phone to SBS Transactions(APR 24.58% to 29.27%)Credit on Phone to SBS Factors &APR details:
Instalment Plan Factor APR
3 months 0.34708 24.58%
6 months 0.18042 27.76%
9 months 0.12486 28.79%
12 months 0.09708 29.18%
18 months 0.06931 29.27%
24 months 0.05542 29.03%
30 months 0.04708 28.69%
36 months 0.04153 28.30%
Cheque Book and Credit on Phone to
SBS Transactions (APR 24.58% to29.27%)Credit on Cheque Book and Crediton Phone to SBS Factors and APRdetails:
Instalment Plan Factor APR
3 months 0.34708 24.58%
6 months 0.18042 27.76%
9 months 0.12486 28.79%
12 months 0.09708 29.18%
18 months 0.06931 29.27%
24 months 0.05542 29.03%
30 months 0.04708 28.69%
36 months 0.04153 28.30%
Rs. 500/- or 10% of minimum amountwhichever is higher
GL Account
22
PL55605
PL55605
PL55605
PL55605
PL55536
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iii) Merchant discount fee
iv) Cash withdrawal fee
a) Cash advance fee/Call & Pay fee
b) Acquiring bank charges c) Counter fee of other cards
v) Cheque/cash pickup fee
vi) Over-limit fee
vii) Voucher retrieval fee
viii) Card replacement fee/Upgrade fee
ix) Cheque return charges/rejected
autopay service fee
x) Step by Step/Credit on Phone toSBS processing charges
xi) Step by Step/Credit on Phone to SBS premature settlement charges
xii) Credit cover premium
xiii) Utility bill payment
xiv) SMS alert fee
xv) Mobile Banking fee
xvi) Merchant cash advance incentive
xvii) Documentation fee
xviii) Mobile PIN issue charges
xix) Foreign transactions
xx) Arbitration charges
xxi) Insurance cancellation charges
xxii) Reward point booklet charges
xxiii) BTF processing fee
xxiv) Direct debit enrollment fee
xxv) Safe custody handling charges
A. Visa/MasterCard
Consumer Banking
Up to 5% of transaction amount
Rs. 400/- or 3% of cash advanceamount whichever is higher1% of cash advance amount1% of cash advance amount orRs.300/- whichever is higher
Rs. 200/- (available in cities havingBank Alfalah branches)
2% of the over limit amount orRs. 500/- whichever is higher
Local Rs. 350/- and internationalRs. 800/-
Rs. 250/-
Rs. 400/-
Rs. 500/- or 2.5% of transactionamount whichever is higher
5% on balance amount or Rs.1000/- whichever is higher
0.55% of outstanding amount
Rs. 15/- per utility bill
Rs. 50/- per month
Rs. 5/- per transaction
Rs. 25/- per transaction
Rs. 500/-
Rs. 10/- per PIN
5% over prevailing market rate or asper SBP directive. Third currencytransactions will be first converted
into US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross bordertransaction fee will also be chargedas per Visa/MasterCard rules.
US$ 500/-
Rs. 100/-
Rs. 300/- (per Book)
Rs. 500/- or 2.5% of transactionamount whichever is higher
Rs. 200/-
Rs. 500/- on post dated cheques
GL Account
23
PL52025
PL55528
PL55528
PL65060
PL55533
PL55539
PL55526
PL55530
PL55534
PL55538
PKR144530050
PL55548
PL55566
PL65060
PL55528
PL65060
PL65060
PL55613
PKR144340050
PL65060
PL65060
PL55534
PL55534
PL65060
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xxvi) Cheque book facility on all cardsissuance charges
xxvii) Foreign currency transactionsprocessed through foreignmerchants
xxviii) C-Shop products for value more thanRs 5,000/-
i) Service fee
ii) Late fee
iii) Cash withdrawal fee (a) Cash advance fee
(b) Acquiring bank charges
iv) Cheque/Cash pickup fee
v) Over-limit fee
vi) Voucher retrieval fee
vii) Card replacement fee
viii) Cheque return charges/rejectedautopay service fee
ix) Credit cover premium
x) Utility bill payment
xi) Priority pass fee:
a) Annual fee
b) Airport lounge visit fee
xii) SMS alert fee
xiii) Mobile Banking fee
xiv) Merchant Cash Advance Incentive
xv) Mobile PIN issue charges
A. Visa/MasterCard
Consumer Banking
Rs. 200/- per book (20 leaves)
Rs. 0.4 per dollar for all USDtransactions; for non-USD internationaltransactions, 3% to be charged inaddition to Rs. 0.4 per dollar.
Processing fee of 2.5% or Rs.500/-whichever is higher on pertransaction amount.
2% per month (24% APR) on cashadvance 2% per month (24% APR)on Retail Transactions Rs. 1,200 or 10% of minimumamount whichever is higher
Rs. 1,000/- or 3% of cash advanceamount whichever is higher1% of cash advance amount
Rs. 200/- (available in cities havingBank Alfalah branches)
2% of the over limit amount orRs. 1,000/- whichever is higher
Local Rs. 500/- and international
Rs. 1,000/-
Rs. 2,000/-
Rs. 1,000/-
0.55% of outstanding amount
Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000
through Call)Rs. 50/- per utility bill (Above 5,000through Call)
US$ 10.00
US$ 31.80 per visit
Rs. 50/- per month
Rs. 100/- per month
Rs. 25/- per transaction
Rs. 10/- per PIN
3. Corporate Credit Card (July-December-2015)
GL Account
PL65060
PL55613
PL55534
PL55601,PL55602
PL55536
PL55528
PL55528
PL65060
PL55533
PL55539
PL55526
PL55530
PKR144530050
PL55548
PKR152150050PKR152150050
PL55566
PL65060
PL55528
PL65060
24
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xvi) Foreign transactions
xvii) Arbitration charges
xviii) Internet charges
xix) Reward point booklet charges
xx) Virtual Card issuance fee
xxi) Annual fee
xxii) Card Renewal Fee
xxiii) Card Issuance Fee
xxvi) Direct debit enrollment fee
xxvii) Chip Card issuance fee
xxviii) Safe custody handling charges
xxix) Foreign currency transactions
processed through foreignmerchants
4a Gift/Virtual/Travel/Remittance Card
i) Card issuance fee
ii) Card replacement fee
iii) Voucher retrieval fee
iv) Cash withdrawal
a) From Bank Alfalah's ATM
b) From 1- Link member bank ATM
c) From MNET ATM
d) From Visa member bank ATM
e) From Non-Bank Alfalah's POS
Machine
A. Visa/MasterCard
4. Prepaid Card (July-December-2015)
Consumer Banking
Up to 5% over prevailing market rateor as per SBP directive. Third currencytransactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.
US$ 500/-
Rs. 100/- (per session)
Rs. 300/- (per Book)
Rs. 100/-
Rs. 6,000/- per card
No renewal fee
No Issuance fee
Rs. 200/-
Rs. 750/- for Principal Member,Rs. 500/- for Supplementary Card
Rs. 500/- on post dated cheques
Rs. 0.4 per dollar for all USD
transactions; for non-USD internationaltransactions, 3% to be charged inaddition to Rs. 0.4 per dollar.
Rs. 100/-
Rs.200/-
Local Rs. 350/- and InternationalRs. 800/-
NIL
Rs. 15/- per transaction
Rs. 15/- per transaction
Rs. 300/- or 3% of cash withdrawalamount, whichever is higher
Rs. 300/- or 3% of cash withdrawal
amount, whichever is higher
PL55613
PKR144340050
PL65060
PL65060
PL65060
PL55611
PL55534
PL52033
PL65060
PL55613
PL55526
PL55526
PL55539
PKR144310050PKR144310050
PL55528
PL55528
GL Account
25
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Consumer Banking
v) Balance enquiry: a) From Bank Alfalah's ATM b) From 1- Link member bank ATM c) From MNET ATM d) From Visa member bank ATM
vi) Mobile PIN issuance charges
vii) SMS alert fee
viii) Merchant cash advance incentive/call and pay fee
ix) Acquiring bank charges
x) Cheque return charges/rejectedAutopay service fee
xi) Utility bill payment
xii) Reload fee
xii) Internet charges
xiii) Cheque Book issuance charges
xiv) Foreign transactions
xv) Arbitration charges
4b. Payroll/merchant card
i) Card issuance fee
ii) Card replacement fee
iii) Voucher retrieval fee
iv) Cash withdrawal
a) From Bank Alfalah's ATM b) From 1- Link member bank ATM
c) From MNET ATM
d) From Visa member bank ATM
A. Visa/MasterCard
NILNILRs. 5/- per enquiryRs. 25/- per enquiry
Rs. 10/- per PIN
Rs. 50/- per month
Rs. 25/-per transaction
1% of cash advance amount
Rs. 800/-
Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (below Rs.
5,000/- through Call)Rs. 50/- per utility bill (above Rs.5,000 through Call)
Rs. 100 /-
Rs. 100/- (per session)
Rs. 300/-
Up to 5% over prevailing market rateor as per SBP directive. Third currencytransactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.
US$ 500/-
(July-December-2015)
NIL
Rs. 200/-
Local Rs. 350/- and InternationalRs. 800/-
NILRs. 15/- per transaction
Rs. 15/- per transaction
Rs. 300/- or 3% of cash withdrawal
amount, whichever is higher
PKR144310050PKR144310050
PL65060
PL55566
PL55528
PL55528
PL55530
PL55548
PL65060
PL65060
PL65060
PL55613
PKR144340050
PL55526
PL55539
PKR144310050PKR144310050
PL55528
GL Account
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Consumer Banking
e) From Non-Bank Alfalah's POSMachine
v) Balance enquiry
a) From Bank Alfalah's ATM
b) From 1- Link member bank ATM
c) From MNET ATM
d) From Visa member bank ATM
vi) Mobile PIN issuance charges
vii) SMS alert fee
viii) Merchant cash advance incentive/
call and pay fee
ix) Acquiring bank chargesx) Cheque return charges / rejected
Autopay service fee
xi) Utility bill payment
xii) Internet charges
xiii) Cheque Book issuance charges
xiv) Foreign transactions
xv) Arbitration charges
5. Debit Card
i) Card issuance fee
a) Supplementary card Issuance/Renewal fee
b) Supplementary Royal Platinumdebit cards issuance/renewal fee
c) Supplementary Alfalah KarobarFinance debit cards issuance/renewal fee
ii) a) Basic Card replacement feeb) Royal Platinum Debit Cards
replacement fee c) Alfalah Karobar Finance Debit
cards replacement fee
A. Visa/MasterCardRs. 300/- or 3% of cash withdrawal
amount, whichever is higher
NIL
NIL
Rs. 5/- per enquiry
Rs. 25/- per enquiry
Rs. 10/- per PIN
Rs. 50/- per month
Rs. 25/- per transaction
1% of cash advance amountRs. 800/-
Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)Rs. 50/- per utility bill (Above 5,000through Call)
Rs. 100/- (Per session)
Rs. 300/-
Up to 5% over prevailing market rateor as per SBP directive. Third currencytransactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.
US$ 500/-
(July-December-2015)
Rs. 500/-
Rs. 1000/-
Rs. 750/-
Rs. 500/-Rs. 1000/-
Rs. 750/-
PL55528
PKR144310050
PKR144310050
PL65060
PL55566
PL55528
PL55528PL55528
PL55548
PL65060
PL65060
PL55613
PKR144310050
PL55611
PL55611
PL55611
PL55526PL55526
PL55526
GL Account
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Consumer Banking
iii) Voucher retrieval fee
iv) Cash withdrawal
a) From Bank Alfalah's ATM
b) From 1- Link member bank ATM
c) From MNET ATM
d) From Visa member bank ATM
e) From Bank Alfalah's POS Machine
f) From Non-Bank Alfalah's POS
machine
v) Balance enquiry
a) From Bank Alfalah's ATM
b) From 1- Link member bank ATM
c) From MNET ATM
d) From Visa member bank ATM
vi) Third party transfers fee
a) Inter Bank Funds Transfer
b) Inter Branch Funds Transfer
vii) SMS alert fee
viii) Virtual Card issuance fee
ix) Utility bill payment
x) Priority Pass Fee
a) Annual fee b) Airport lounge Visit Fee
xi) Annual fee
xii) Foreign transactions
xiii) Arbitration charges
A. Visa/MasterCard
Local Rs. 350 and International Rs. 800
NIL
Rs. 15/- per transaction
Rs. 15/- per transaction
Rs. 300 or 3% of cash withdrawal
amount, whichever is higher
NIL
Rs. 300 or 3% of cash withdrawal
amount, whichever is higher
NIL
NIL
Rs. 5/- per enquiry
Rs. 25/- per enquiry
Rs. 50/- per transaction
Rs. 50/- per transaction
Rs. 50/- per month
Rs. 100/-
Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)Rs. 50/- per utility bill (Above 5,000through Call)
US$ 10.00US$ 31.80 per visit
Rs. 300/- per Classic/AKK DebitCard per yearRs. 500/- per Gold/AKF Debit Cardper yearRs. 1,000/- per Royal Platinum DebitCard per year
Up to 5% over prevailing market rate
or as per SBP directive. Third currency
transactions will be first converted
into US Dollars as per rate quoted
under arrangement with Visa andMasterCard. Cross border transaction
fee will also be charged as per
Visa/MasterCard rules.
US$ 500/-
PL55539
PKR144310050PKR144310050
PL55528
PL55528
PKR144310050
PKR144310050
PKR144310050PKR144310050
PL55566
PL65060
PL55548
PKR152150050PKR152150050
PL55611
PL55613
PKR144310050
GL Account
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Consumer Banking
i) Processing fee
ii) Late payment fee
iii) Early settlement penalty
iv) Balloon / partial payments
v) Cheque return charges
vi) Pay order reissuance
vii) Enhancement fee
viii) Litigation charges
ix) Cheque collection charges
x) Reissuance of payoff sheet /ammortization schedule
i) Processing & documentationcharges per application
ii) Vehicle Evaluation Charges (IfApplicable)
iii) Registration Service Charges
iv) Premature termination charges
• 12 or less instalments remaining • 13 to 24 instalments remaining • 25 to 36 instalments remaining • 37 to 84 instalments remaining
v) Cheque return or rejected auto paycharges
vi) Penalty on late payment
vii) Penalty on late insurance premium
viii) Vehicle repossession charges
B. Personal Loans1. Personal Loans (July-December-2015)
Rs 2,500/- or 1 % of the loanamount whichever is higher
Rs 500/- per missed instalment
5% of the remaining amount
5% of the paid amount (A year is
equal to 12 instalments from the dateof disbursal. Maximum of 2 partialpayments are allowed in an yearwhere each partial payment cannotexceed a total of 6 instalments).
Rs 500/-
Rs 500/-
Rs 2000/-
At actual
Rs 500/-
Rs 500/-
Rs. 5,000/-
Upto Rs. 3,000/-
Upto Rs. 3,000/-
2 % of the principal outstanding3 % of the principal outstanding4 % of the principal outstanding5 % of the principal outstanding
Rs. 500/-
Rs. 1,000/- per installment.
Rs. 300/- per month
Upto Rs. 100,000/-
C. Alfalah Car Financing/Consumer Car Lease Finance
1. Alfalah Car Financing/Consumer Car Lease Finance
(July-December-2015)
PL52016
PL55521
PL52029
PL52029
PL55530
PL52003
PL65060
PL65060
PL65060
PL65060
PL52014
PL65507
Third Partypayment
PL65076
PL65076
PL65076
PL65076
Third partypayment
GL Account
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Consumer Banking
ix) Survey charges for repossessedvehicle
x) Warehouse charges for repossessedvehicle
xi) Comprehensive insurance charges
xii) Income Evaluator Charges (if
applicable)
i) Processing Fee
Processing Fee (local salaried)
Processing Fee(self-employed/businessperson)
Processing Fee (expatriatecustomer)
Processing Fee (Alfalah GreenMortgage)
For All Customers and Amounts
ii) Evaluation Charges
iii) Documentation Charges
iv) Late Payment Charges for
Financed/Disbursed Loan amount
v) Penalty on BTF
vi) Early Settlement Penalty Alfalah Home Finance (all products excluding Green Mortgage)
C. Alfalah Car Financing/Consumer Car Lease FinanceUpto Rs. 2,500/-
Rs. 1,000 per month
At actual
Upto Rs. 3,000/-
Rs. 5000/- (flat)
Rs. 10,000/- (flat)
Rs. 5000/- (flat)
Rs. 5000/- (flat)
At Actual
At Actual, including stamp duty,charges for legal documentation, on-site inspection during construction,lawyer's fee and charge registrationfee, as advised by the relevantagencies / persons.
Rs. 1000 per instalment
Upto 6% of outstanding amount (ifloan transferred to another lender)
5% if paid within first five years ofdisbursement and 3% afterwards tillmaturity of facility.
D. Alfalah Home Finance
1. Alfalah Home Finance (July-December-2015)
Third partypayment
PL65076
Third partypayment
Third party
payment
PL65045
PL65045
PL65045
PL65045
Third partypayment
PL65045
PL65071
PL65072
PL65072
GL Account
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Consumer Banking
vii) Early Settlement Penalty on GreenMortgage
viii) Balloon / Partial payments
Maximum two allowed in a year witha minimum of 10% & maximum of20% of the outstanding balance.However no balloon payment shallbe allowed during 1st year ofdisbursement without levy of penalty.
ix) Adjustment of plot purchase Loan(Without Construction)
x) In case the delay occurs on part ofthe customer in availing the facility,the following fresh reports (Ifrequired) shall be obtained at hiscost:valuation report , Incomeestimation report.
xi) All related charges like;Cheque
Return Fee etc, as applicable in
general banking are payable.
xii) Income Estimation whereverapplicable / required
D. Alfalah Home Finance7% in first year and 6% afterwardstill maturity of facility
Balloon / Partial paymentsaggregating over & above 20% ayear are allowed subject to paymentof upto 5% penalty on amountadjusted. Any balloon payment ofwhatsoever amount in the 1st yearof disbursement shall attract 5%penalty on the amount adjusted.In all the cases, maximum penaltyamount would be 5% of amountadjusted.
Upto 6% of the plot purchasefacility amount
At Actual
At Actual
Note: These charges are subject to change on half-yearly basis. However terms and conditions once
specifically offered in individual cases for the whole tenure of the loan will remain unchanged/unaffected. You may collect the latest copy of Schedule of Charges from any Bank Alfalah branch.
“All Govt. levies on all above charges or otherwise will be payable by the applicant/borrower.”
PL65072
PL65072
PL65072
Third partypayment
PL65060
Third partypayment
GL Account
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General Banking
1.b) Demand Draft through Debit ofAccount
1.c) Issuance of duplicate FDD
Cancellation of FDD/FTT/FMT
Stop payment of FDD
1.d) Inward: If proceeds are credited to an account
maintained with us others
1.e) Received from abroad or localBank's branches & where payment isdemanded in Foreign Currency
1.f) Home Remittance
1.g) Others
1.a) Pay Order
PO for payment of fees/dues infavour of educational institution,HEC/Board etc.
US$ 10 or equivalent PKR plus actualSWIFT charges
US$ 5 or equivalent PKR plus Actual
SWIFT Charges
US$ 5 or equivalent PKR plus actualSWIFT charges
NILUS$ 5 or equivalent
Minimum US$ 3 - maximum US$ 6plus actual SWIFT charges arerecoverable from collecting Bank tobe deducted from the proceeds
NIL, if proceeds are credited to anaccount with us
Rs. 50/- plus Money Order/Telegramcharges
PO/ Manager Cheque
for A/c Holders:Rs.120
For Non A/c Holder: upto 100 k -Rs.500/- Flatabove 100k - Rs.1000/- Flat
DD (Demand Draft) For Account Holders:Rs. 120/-
For Non A/c Holder: upto 100 k -Rs.500/- Flat
above 100k - Rs.1000/- Flat
0.50% of fees dues or Rs. 25/- perinstrument whichever is less
USD 15 flat rate for payments up toUSD1,0000.25% of payment exceedingUSD1,000, with min. charge ofUSD15 & max. charge of USD75SWIFT charges US$ 5 or eqv. PKRwill be additional
US$ 12 or equivalent PKR + SWIFTCharges
0.3% will also be applicable ifamount is not retained in theaccount for 15 days
1.a) Outward T.T. through debit of Account
A. Inward/Outward Remittances (Foreign)
and Cheque Purchase
B. Remittances (Domestic)
52107Swift Charges:
55510
52101
Swift Charges:55510
52103Swift Charges:
55510
52102Swift Charges:
55510
52002Swift Charges:55510
52110
52110Money
Order/TelegramCharges: 55589
52101
52101
52101
GL Account
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General Banking
1.b) Cancellation of Pay Order
Stop Payment of Pay Order
1.c) Issuance of duplicate Pay Order
1.d) Issuance of Drafts, MTs, & TTs
i) Drawn on us:
( ii) Drawn on other Banks:
i) Up to Rs. 10,000/-
ii) From Rs. 10,001/- to Rs. 100,000/-
iii) From Rs. 100,001/- to Rs. 1,000,000/-
iv) From Rs. 1,000,001/- to Rs. 2,000,000/- v) Over Rs. 2,000,000/-
DD for payment of fees/dues infavour of educational institution,HEC/Board etc.
1.e) i) Cancellation of DDs / TTs/MCs
ii) Issuance of duplicate DD/MCs
iii) Stop payment of DD/MCs
1.f) Issuance of SBP/NBP Cheque (ifpermissible by SBP)
1.g) RTGS charges
Monday to Friday
1. Safe Deposit Locker
1.a) Fee for safe deposit lockers
Rs.250(flat)
Rs.300(flat)
Rs. 200/- (flat)
(Courier/postage charges are not
applicable in case of issuance ofDD/MT/TT)Above Rs. 1 Million - NIL
0.25% minimum Rs. 50/-
0.20% minimum Rs. 100/-
0.10 % minimum Rs. 200/-
0.075% minimum Rs. 500/-0.015% minimum Rs. 1,000/-
0.50% of fees dues or Rs. 25/- perinstrument whichever is less
Rs. 250 (flat) per cancellation
Rs. 200/- (flat) per item
Rs. 300/- per instrument
Rs. 500/- per transaction
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)
(To be recovered in advance or at
commencement of the period for a year)
B. Remittances (Domestic)
C. Sale/Purchase of Securities, Safe Custody,
Articles in Safe Deposit and Safe Deposit Lockers
Cancellation:52102
Stop payment52002
52103
52101
52102
52103
52002
55582
GL Account
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General Banking
i) Small
ii) Medium
iii) Large
1.b) Key deposit (in advance to berefunded on termination)
1.c) Breaking
1.d) Late fee (locker rental)
1.e) Locker facility for staff of BankAlfalah Ltd.
2.a) Sale/purchase of shares
2.b) Withdrawal fee i) Withdrawal fee on shares/securities
held in safe custody (to be recoveredat time of withdrawal)
ii) Withdrawal fee on governmentsecurities where shares and/orsecurities sold are from those held insafe custody, either commission onsale of share securities as shownagainst item 2.a) or withdrawal fee, asshown against item 2b) i) and ii)whichever is higher, will be charged
*Rent Rs. 2,500- per annumor life time free locker facility ondeposit of Rs. 30,000/- KeyDeposit. Refundable in case ofsurrender of the locker facility.
*Rent Rs. 3,500/- per annumor life time free locker facility ondeposit of Rs. 40,000/- Key
Deposit. Refundable in case ofsurrender of the locker facility.
*Rent Rs. 5,500/- per annumor life time free locker facility ondeposit of Rs. 50,000/- KeyDeposit. Refundable in case ofsurrender of the locker facility.
Equivalent to annual rent of oneyear according to the size of thelocker.
Actual Cost of breaking plus Rs.1,000 per locker for all locker sizes.
Rs. 200/- per month or part thereoffor all locker sizes.
Staff will be allowed one locker freeof key deposit while rent will be50% of the prescribed rate. Latepayment fees will however becharged at regular rates.
0.125% on the first Rs. 10,000/- of
purchase price or cost thereof.Minimum Rs. 50/- and 0.10% onamount exceeding Rs. 10,000/- orminimum Rs. 75/-
0.50% on the first Rs. 10,000/- ofthe paid up value minimum Rs. 50/-and 0.15% on amount exceedingRs. 10,000/- minimum Rs. 100/-
Rs. 5/- per script
C. Sale/Purchase of Securities, Safe Custody, Articles in Safe Deposit and Safe Deposit Lockers
Depositor maintaining deposit monthly average balance of Rs. 2 million or US$ 25,000 in
current account or monthly average balance of Rs. 5 million or US$50,000 in regular saving
account or Alfalah Kifayat account or average monthly balance of Rs. 8 million in Royal Profitaccount will be provided free small/medium locker for a year. This facility will be available for
existing customers who are maintaining the required average balance for one year.
2. Sale / Purchase of Securities
55512
55512
55512
PKR15924XXX(where xxxx is
the branchcode)
55585
55512
52618
52619
52620
GL Account
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General Banking
Note
• Commission will not be recovered on purchase of newly floated securities, where it is not payable
by the Government/Agencies/and from the subscribers to new share floatation.• When orders for purchase/sale of share/securities are executed through the Bank's other offices,
all incidental expenses will be recovered in addition to commission brokerage.
• The above charges are in addition to brokerage.
2.c) Collection of profit/return anddividend
2.d) Handling charges (for convensingrenewal/consideration/subdivision of Govt. Securities)
2.e) Issuance of Rupee Travellers Cheque
3.a) Share custodial services of CentralDepository Company of Pakistan Ltd.
3.b) Boxes & packages
3.c) Envelopes
4.a) Issuance of duplicate securities
5.a) Balance Up to Rs.1million
Balance above Rs.1million
5.b) Transaction charges
5.c) IPS Statement
1.a) Balance confirmation certificate
1.b) Balance confirmation to auditors
1.c) SMS Alerts charges for branch banking customers
0.5% on the amount of interest/return/dividend collected/paidincluding deposit certificate issued byGovernment agencies minimum Rs. 50.
Rs. 25/- per script. Rs. 50/- (flat) incase of Deposit Certificate issued byGovernment agencies.
Rs. 10/- per RTC
Actual charges charged by CDC, plus1% of share value on the first ofevery month or Rs. 5/- per shareeach month, whichever is higher(payable up-front, in advance)
Rs. 1/- per 100 cubic inches or any partthereof with a minimum of Rs. 200/-
Rs. 0.50/- per 25 square inches or anypart thereof with a minimum of Rs. 100/-
Rs. 1,000/- (flat)
NIL
NIL
NIL
NIL
Rs. 250/- (flat)
Rs. 500/-
Rs. 50/- Per Month
3. Articles in Safe Custody
4. Issuance of certificate for safe items
5. Investment portfolio securities
1. Balance Confirmation
C. Sale/Purchase of Securities, Safe Custody, Articles in Safe Deposit and Safe Deposit Lockers
D. Miscellaneous Charges
52621
52607
52051
52605
55512
55512
52605
55573
55574
AUTO
GL Account
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General Banking
2.a) Statement of Account on request(including duplicate)
2.b) Duplicate advice charges
3.a) Issuance of new Cheque Book
3.b) Stop payment of Cheques
3.c) Stop payment of lost Cheque Book
4 a) Pak Rupee Clearing
i) Same day clearing charges
ii) Intercity clearing charges
iii) Cheque returned unpaid • Inward clearing (applies on
Intercity clearing as well) • Outward clearing (excluding OBC)
• Cash cheques returned
• OBC return charges
• Inward bill for collection,returned unpaid
4 b) US$ Clearing
• Outward clearing
• Inward clearing returned
• Outward clearing Returned
Rs. 35/- per statement(inclusive of FED)
Rs. 50/- per copy
Rs. 7/- per leaf
Rs. 300/- per cheque maximumRs. 1,000/- per request (if allcheques pertain to same chequebook). No returned Cheque chargesshall be deducted from customersfor instruments on which StopPayment has been marked.
Rs. 1,000/- or US$ 12 or equivalent
PKR for FCA
Rs.375/- per instrument
As per actual
Rs. 500/- per cheque
NIL
Rs. 400/- per cheque
Rs. 200/- per cheque returned(Postage / courier charges are notapplicable)
Rs. 400/- per cheque
US$ 5/- per instrument plus actual
postage/courier charges
US$ 12 per instrument plus actualpostage/courier charges
US$ 10/- per instrument plus actualpostage/courier chargesCorrespondent bank charges will beextra, if any
2. Statements/Advices
3. Cheques/Cheque Books
4. Clearing
D. Miscellaneous Charges
55532
55575
52003
52002
52002
55583
55583
55583
55583
55583
55583
52112
52111
55583
GL Account
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General Banking
5. Issuance, Retrieval, etc. of Statements/Certificates/Documents
5.a) Account maintenance certificate
5.b) i) Certificate regarding profit and taxdeducted during other financial years.
ii) Certificate of tax withheld on cashwithdrawals
iii) Issue of other certificates
5.c) IPS statement
5.d) Documents retrieval fee (subject toavailability of record)
i) Up to 2 Years ii) Over 2 Years
5.e) Arrangement of stamp paper
5.f) Deposits obtained from FederalGovt, Provincial Govt, Public SectorEnterprises, autonomous bodies andother Govt Agencies, Bodies andCorporations
5.g) Purchase, sale of PIBs being aprimary dealer to and fromcustomers of our branches
5.h) Service charges for not maintaining
requisite balance, as defined below
for all products: i) PKR Current Accounts Rs 5,000 -monthly average balance (accountopening balance Rs 1,000)
ii) Alfalah Kamayab Karobar Rs 25,000 - monthly average balance
(account opening balance Rs 1,000)
iii) FCY Current Accounts (accountopening balance/monthly averagebalance) USD 100/EURO 100/GBP
100/JPY 5,000
iv) **Saving LCY (account openingbalance Rs. 100/-)
v) Saving FCY Account(USD/GBP/EUR 250 or JPY 10,000account opening balance)
vi) Royal Profit Rs 100,000/- averagemonthly balance (account openingbalance Rs 10,000)
vii) Alfalah Kifayat AccountRs. 10,000/- monthly averagebalance (account opening balance
Rs 10,000)
viii) BBA (account opening balanceRs. 1,000/-)
Rs. 100/- per certificate
Free
Free
Rs. 200/- per certificate
NIL
Rs. 500/- per documentRs. 1000/- per document
Actual plus Rs. 100/- (flat)
Rates quoted and agreed betweenboth parties
NIL
Rs. 43/- per month
Rs. 43/- per month
Rs. 43/- per month
NIL
NIL
Rs. 43/- per month
Rs. 43/- per month
NIL
D. Miscellaneous Charges
55570
55571
55572
55569
5557655577
55584
AUTO
AUTO
AUTO
AUTO
AUTO
37
GL Account
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General Banking
D. Miscellaneous Charges x) Care Account (account opening
balance Rs.1,000/-)
xi) Pocket money PKR account(opening balance Rs 1,000) & USDaccount (opening balance US$ 100/=)
5.j) Basic Banking cash withdrawal
a) Two withdrawals per month by
cheque b) Above two withdrawals per
month by cheque
6. Dormant Account
7. Account opening charges
8. Cash management transactionbanking collection/disbursement/
electronic banking
9. Branchless Banking
NIL
NIL
NIL
Rs. 50/- per withdrawal
NIL
NIL
All charges for transaction bankingproducts (collection, disbursementand electronic banking) will bedecided on a case-to case basisthrough an agreement between thecustomer and the Bank.
a) Pricing for Domestic Remittance (CNIC TO CNIC Transfer)
Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 51.72 8.28 601,001 2,500 103.45 16.55 1202,501 4,000 155.17 24.83 1804,001 6,000 206.9 33.1 240
6,001 8,000 258.62 41.38 3008,001 10,000 310.34 49.65 36010,001 13,000 362.07 57.93 42013,001 15,000 413.79 66.21 480
b) Cash deposit In Mobile Wallet
Note: Fees will be applicable after more than 3 transactions in a day at therate of 2.16%. FED is charged over and above 2.16%.
c) Cash withdrawal from Mobile Wallet
Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 20 3.2 23.21,001 2,500 40 6.4 46.42,501 4,000 60 9.6 69.64,001 6,000 80 12.8 92.86,001 8,000 100 16 1168,001 10,000 120 19.2 139.210,001 13,000 140 22.4 162.413,001 16,000 160 25.6 185.616,001 20,000 180 28.8 208.820,001 25,000 200 32 232
52005
GL Account
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General Banking
g) Balance inquiryh) Utility bill payment at agentsi) Mobile airtime top-ups j) Mobile bill payment
10) Digital banking service charges
(Mobile Banking/InternetBanking/Mobile App)
a) Branch banking SMS alert feeb) Inter Bank Fund Transfer (IBFT)
No fee is charged from customerNo fee is charged from customerNo fee is charged from customerNo fee is charged from customer
PKR 299/- per annum
PKR 50/- per monthPKR 50/- per transaction
d) Transfer from Mobile Account to Mobile Account
Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 200 6 0.96 6.96201 500 12 1.92 13.92501 1,000 20 3.2 23.21,001 2,500 40 6.4 46.42,501 4,000 60 9.6 69.64,001 6,000 80 12.8 92.86,001 8,000 100 16 1168,001 10,000 119.8 19.17 139
10,001 13,000 139.6 22.4 162 13,001 16,000 160 25.6 185.6 16,001 20,000 180 28.8 208.8 20,001 25,000 200 32 232
Note**Initial amount for opening regular saving accounts will be Rs 100. However, no initial depositwould be required for opening of accounts by (i) Mustahkeen of Zakat, (ii) Students, (iii) Employeesof Government or Semi Government institutions for salary and pension purposes (includingwidows/children of deceased employees eligible for family pension/benevolent fund grant, etc.)
and other similar types of accounts.
*For lifetime free lockers facility, minimum retention period is one year. If the locker issurrendered before one year, one year rental according to the size of the locker will be recoveredbefore refunding the key deposit.
*If the depositor does not maintain mentioned average balance criteria for small/medium freelocker given for one year, annual rent will be recovered.
e) Transfer from Mobile Account to CNIC
Slab Start Slab End FEE FED*(PKR) Total Charges (PKR) 0 1,000 40 6.40 46.40 1,001 2,500 80 12.80 92.80 2,501 4,000 120 19.20 139.20 4,001 6,000 160 25.60 185.60
6,001 8,000 200 32 232 8,001 10,000 240 38.40 278.40 10,001 13,000 280 44.80 324.80 13,001 15,000 320 51.20 371.20
f) IBFT (Interbank Fund Transfer)
Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 50 8 581,000 2,500 50 8 582,500 4,000 60 9.6 69.64,000 6,000 80 12.8 92.86,000 8,000 100 16 116
8,000 10,000 120 19.2 139.210,000 13,000 140 22.4 162.413,000 16,000 160 25.6 185.616,000 20,000 180 28.8 208.820,000 25,000 200 32 232
GL Account
39
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55508
55509
55507
52001
RelevantExpense Code
52026
52026
55550
55550
55550
55550
55562
GL Account
40
D. Miscellaneous Charges
11.a) Courier chargesi) Inland
ii) Foreign
11.b) Fax chargesi) Inland
ii) Foreign
11.c) Postage charges i) Inland ii) Foreign
12.a) Account closing
12.b) Out-of-pocket expenses (not covered by Schedule of Charges)
12.c) i) Standing instructions
ii) Default in performing standing instructions due to lack of funds
12.d) Online transaction charges
12.e) C.I.B report
Rs. 100/- Inland (not applicable forDD issuance)
Rs. 1,250/- or actual, whichever ishigher
Rs. 150/- or actual, whichever is higher(not applicable for DD issuance)
Rs. 250/- or actual, whichever is higher
Rs. 100/- (not applicable for DD issuance)Rs. 200/-
Rs. 200/- (for LCY Accounts) or US$ 3or eqv (for FCY Accounts). Nil for PLSand AQF Accounts.
As per actual
Frequency Charges/Instanceof transactionUp to 6 days Rs. 100From 7-13 days Rs. 200From 14 days - less Rs. 250than monthlyMonthly and above or eqv. Rs. 400FCY for relevant slab
Rs. 500/-
Cash Transaction At Service Branch:a) PKR Current AccountWithin city: FreeIntercity: Rs 150 for eachdeposit/withdrawalFree for Alfalah Kamayab Karobar account
b) Saving Accounts:
Within city: FreeIntercity: Rs.170 for eachdeposit/withdrawal
Online Clearing/ Funds Transfertransaction at Service Branch:a) PKR Current Account / AlfalahKamyab KarobarWithin city: FreeIntercity: Free
b) Saving Accounts:Within city: free
Intercity: Rs.120
Rs 40/- per report (recoverable at thetime of processing of fresh facilities orat the time of renewal or limitenhancement or through EOL & OTT)or at the time of Restructuring/Rescheduling of the facility.
General Banking
11. Communication
12. Other Charges
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D. Miscellaneous Charges12.f) Hold mail
12.g) Wateen bill payment through ATMs
13. Payroll accounts
14. Term deposit encashment penaltyfor LCY & FCY deposits
15. Alfalah Kamyab Karobar
Average monthly balance
(requirement for free services)
Payorders/Demand Drafts
Cheque book charges
ATM issuance fee
ATM annual fee
SMS alerts
Online Banking transactions
16. Rupee Current Account
Average monthly balance
(requirement for free services)
Payorders/Demand Drafts
Cheque book
Rs. 600/- p.a. to be recovered atstart of the year.
Rs. 25/- per payment
Fees and charges will be levied onpayroll accounts and associatedservices as per arrangement with theclient, on a case-to-case basis.
For LCY TDR's
LCY Term Deposits with tenors lessthan 1 year- Profit will be paid at the nearestprevailing completed tenor rateapplied for the completed period
LCY Term Deposits with tenors of 1 yearor more - Profit will be paid for the completed
term at the Minimum Savings Rate
For FCY TDR's
Rs 25,000
Free
Free
Free
Free
Free
Free
Free
Rs 50,000
5 Free Payorders/Demand Draft per month
1st Cheque Book free only
General Banking
Note
These are our standard charges and concessions may be granted at the discretion of management.• Excise duty & other government charges where applicable are in addition to mentioned charges.• The Bank reserves the right to determine the applicability of above charges and commission as
per arrangement with the customers.• The Bank may from time to time introduce products where discount/waivers may be offered on
existing fees and charges.• The Bank reserves the right to make a charge on those accounts which involve unusual work.
55590
Auto
GL Account
- Profit will be paid at the nearestprevailing completed tenor rate
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