SOCz

r--shyI I

I Sched ul ~e of ank Charges (Exc lusive of FED I Sales Tax)

Effective

J Iy 01 2014

MOST IMPORTANT LEVY OF FEDERAL EXCISE DUTY (FED) I SALES TAX

All Branches I Offices are advised to recover FED I Sales Tax on all banki ng services (excluding markup mentioned in the Schedule of Bank Charges) at rates as applicable in the respective provinces

A ARI B K LIMITED

Head Office AWT Plaza PO Box No 1084 Rawalpindi - Pakistan Tel PABX 051-9063000 9272150 Fax 051-9272455

SWIFT ASCMPKKA

Alwri Rallk Limited Scltedllle ofRanl( Clllfrres (1IIclllsivpound o(FED) eliClil1 IflllllflfT 01 lOU

Table of Contents

TRADE FINANCE Page

A Imports I Letters of Credit 2 Bills amp2

B Exports I Letters of Credit 2 2 Bills j

3 Others 3 C Domestic nanking

1 Inland Letters of Credit 3 2 Bills 3 3 G ua ra n tees 4

GENERAL BANKING (Foreign) 4A Rem i tta nces

B Clearing Through NIFT 5 C Collection through Correspondent 5 D Foreign Bills Purchased i E PostalTelegram etc 5

GENERAL BANKING (Domestic)

B Bills Rcmiuances

C Safe Deposit Lockers D Utility Bills

L A Iternate Delivery Chan nels I Visa Debit Carel 7 2 A TM Services 7 3 I-Net Banking 7

F Consumer nanking Services

I Personal Finance 7 2 Smart Cash 8 3 Mortgage Finance 8 4 Business Finance 8 S Auto Finallce g

G Certificate oflnvestmenL l)

H Askari Master Carel 9 r i3ranchless Banking 10 amp 1I J Corporate amp Commercial Leasing II K Agricultural amp Rural BankingServices II L Advatlces 12 amp IJ M Miscellaneous charges 14

NIL Charges 14 N Sale and Purchase of Securities Safe CustoclyArticles in Safe Deposit 14amp15 O PostalTelegram etc (Domestic) 15

Askllri Balll( Lillited

A IMPORTS

I) LETTERS OF CREDIT

rash Lltttrs of Credit

H

II

(

d

i ) lJs urlO Rs 30 vi

ii) LCs hove l( s30M UPIO [(sSOM

I Ii) I ( ah l 1(5(11UplO RS I I)() ivl

iv) LCs in excess or Rs I OOiVI 8 aseJ 011 volume during a yearcurrency of limir(s) and arrangClnenl illt cuslonlergroup Including ~lillcd lceounIS

I)

Rc va lidalion Commission

Transfer Conll11iss ion

LCs under suppliers bu ycrs credil pay a yo u carn sc ilemc allei dcflt rrcei payment LCs for period ovcr one year uplO USS I OM or cquivalelll

il ) LCs under supp liers buyers credil pay as you ea rn scheme and dererred paymellt LC ror over Olle year and for amounts in excess or uss 10M or equivalenl

iii) Non-Reimbursable LCs L1llder 8ancrlA idl Loan s

r A l11elldmcnls

f Illljlorlnndcr Rqistratioll of Contract

2) III LLS

iI

h

Iihill s (Ire 10 Ix JllVn IIl1lkr IJ sancc I_C

Purchasc OCOWIl Acccplanccs (OAP)

Schedule ()[Bllllk CllUrres (Exclusive o[FED I Sales Tax) effective III 0204

TRADE FINANCE

First Qllartrr or Each SlIbsrqllllIt J[ ill illllllll

1111 IlInlof Qllarter or 11111 TIIlHOr

IIAO OJOlju R ~ It 10bullbull

030 020 1( 2111111shy

O20l OI Smiddot Rs 2OIJO-

Comlllission subJeel to negot ialion and approva l 110111 lite concerned GH

Note Nil cilgtlrgts iflltc LCs ltIIC opcned agains l 100Yo caslt margin (Depos i l under lien will not be consiJered )

011 expiry of LCs w hell lhc sall1c is relalidalClI IlIillid~lioll cO ll1ll l isio ll ill h l

rccovercd as arplle abl c for subsequelll qUMlcrs ill casc 01 OplIHllg or rresh LCs as above

Wlten LC is Imnsrerred 10 new bendiciIIY Iransfe rcomlllissionlVill he cltarged as appl icab le ill case of opellillg IIlsh LC IS ahol C

045 per quarlcr or pari Ihereof al Ihe limc of opening or LC IS 10 be chargcd 011 full ltI111ounl 01 LC li lbilil y plu s inters l plyable Illercon [01 Ihe pCllod Irunl Ihe date or opening of LC lill Ihe cxp lry or LC Thcr~ltllkr comillission IS 10 Ill rccovcred on (l l11onll1ly basis on reeiuclng liabilli Y lill paynlelli 01 Ihe Ibl an ti final illstallmcnl

040 per qU~rer or pari Ihereof for Ihe first quarler and 022 for ech subsequent quarler 10 be ehargcd on full amount of LC liabilil y plus inleresr payable Ihereon for the period rrom Ihe dale 0( openlllg 0( LC lill Ihl lX[llry oi L C Thereafter comlnission is to be recovered on 6 1ll01llhly basis on rcd ucing liability lill paYlllcll 1of Ihe lasl and final installmCll1

1 per quarter or pari Ihcreof 040 for each subsequcnl quancr or pan Ihereoi Minilllunl Rs 375-

Rs 1000shy per amenument (nal) or Conlmission under ilems a or d abovc if al11endmenl involves increase in aillouni orexlcnsion in period ofshipnlCnl

Rcgislrallon of cOlliraCI 01 () (nalj nllninlln11 Rs I ()()Oshy(OR su bjeci 10 negolialion and approval fi O ll1 Ihe eoneemed Group Head)

ii) Co llcc lion eonll11ission al lhc lilllc or l)In1l nl olhill R Oi l I lTn l

Rs 650shy per bill (nat) 10 be charged al the til11c of rCllrcnlelli of bdls EX lr CO lllml ssion qll 015 is 10 be recoveredchargcd 011 1I1011lhly basis for Ihe usance import bills for any period beyond validity of LC Howcvcr no conll11ission to bl charged i r the maluritypaYlllclll pcriod of the bi II rtlls wilhin the period for which cOlllmission has already been recovered

Acceplance eOlllll1ission for amounl in exccss of USS 10M or eq ulvaienl OOS per l11onth

Mark-up RsO55 Rs I 000- on daily produci basis 011 Ihe hill amOunl shall be charged alongwith penal commission 0]2 (nal) or as appro v~d by Ihe Creeiil Divi sion

Aslalli nallc Limiled Schedule orBII Cillrees (Excllsive orfED SIIes Tax) drlcliv I11r 01 ]01-1

~Vbrk-ujl in c ~ se of IlllPOr1 hills under il11port foreignl inlanu LCs Cor clearance of goods

d Di sc r~pa nl Documcnts recei ved under InlpOr1 LC

c i) Col leclion

i i) Itellls retllrned unpaid

iii ) Handling charges on I upees denominlIed illlPOrt bill

f Sen icc charges agl insr inlport translCtlonS IC Import 131I1sPADCo lI lct ioll

g Remill311ce on aecollnt or Imporl lV ithout opening of LC or contraci regislered as speCified In the illlporl Policy

13 EXPORTS

J) Letter of Credit

n Advising

) A mendmcnt Advising

L Ncgo liali on or Rupee 13ills IInder export Leners of Cred il

d Co nlinnllion

c TrallSrn of EXJlo ri LCs

Rcilllhurselllcni payment to othcr loca l banks frclill nOll Residenl Rupee acounr

L

g Vcrillclrion of EE Statenlcnt

M~rk-lip Rs OSOlRs 10001- daily prod uct on the bill ~lllOlllll sllall he charged (frOI11 tile date of negotiation aplJCJri11g 0 11 cOI Crillg schedille I aillc

date wherever applicable till the pa yme llt of bll y back price OR Cro l11 the (bt( o f 10cgl11 cntirelllitlltince by the branch till the payment of bu y hack Imcc In casc amount is not directl y claimed from thc relmiJlIrsing bank )

Howlvcr the proportionHtr bonlls (rebate) shall hr given on carl plllcnt of the hill as 1I1Hlcr

i) II the bill IS paid (retired) IVlIllIn I S days a rebatc or I ~s() 12 I~ s I 0(11) shy

on daily produ ct basis shIII)( allowed on the abo ve ratc

ii) If the bill is paid wi thin 16-35 days rehate lInder item ( i) ahove w ill not be allo wed and a l ebate of RsO02- pcr Rs I 000- pel dav shr11 he allolled (1 01 the cntin pel iod) and 1 1lll-lip or R s ll~ b I ()II() - on dH prouuct has is shall he chllged fioln the date of ncgo tl atlon

iii) If the hill is paid (rctlred ) ftcr 35th da y 110 reb ~l rc II ill be llloed as applicable unucr (i) amp (ii) and mark-up 31 the rate or RS050IR s I I)()()i shy

on dail y product has is 5hIIII)( r hargni from thc dte ofncgolialion

II ) M ltlll-lip ltII abole rlIe sha ll he chal gcci (ro II I Ihe dell e of ncg()tICllllJll 1111 deposi l of 100 cashl11argin or relirelncnt ofl1ill (whichever is carlier)

Note For special anangeillenls Ma rk-up as approved by rll c lieeld Officc

i) Rs 600- per disc repancy pCI document If elwrges are on Applica ntS account

ii) USS 50- per documcnt if ehargcs are on benc li cilI) s KcnUllI lI1d to he recovered from negotialing hank

Rs 800- (Fla t)

Rs 800 from th e Importer or US$ 751- (or equivalent) reco verable from the forwarding bank

Rs 750- (Flat )

i) 0151 nat - Mininllln) Rs 1500shy

(OR SlIhject 10 negoliati on and approval frOIl) Ihe cO llcerncd GrOllI Hcad )

ii) N il if the -C is backed by IOOX cas h margin

Rs 75(J - (Flal) plus SW IFTTelex clwrges ifrclJuirtd

Rs 15 001- for cllstomers

Rs 2000- for non-customers

Rs 10001- for CUSIOlllerS


030degft nat Millillllllli Rs 600- (O R sUhj ec tto negotiation and approval from the concerned GrOllp Head)

Suhjcct to Arrangement I as decided by IntcrnlIi onal Division

Rs 1500-

Rs 550-

Rs 10001- per 101111

2

skllri Nallk LiJllileil

2) BILLS

ltII If Ih ~ dOClllllclliS Irc se lll to oliler hallks Io r IIlgolia li lln ullder IC5Irlclcd LCs

hi Se n ICC Charges Igaillsi expofl dOClllllClltS SC IlI 0 11 col kclioll basi s whcre IlaYlllcn l co ver IS i1rcltldy rccei cd III banks Nos lro -CCtllllli Si Adn llcc PI ) lllClli

l1 (olkrtion

i) Cicilll

il) Docn illellt (on which hallk docs nOI cam allY exc hange illco llle)

3) OTHERS

I)

il)

c)

d)

e)

I)

g)

Hllldlill g of DUlY Ora Clac k Clainls

Frei ghl Silbsidy Cla illl

Processing charges for Ci Research amp Developlllcllt Suppon cascs

IsslIa ncc of EPRC (Ex pon Proceeds Re lliJlioll Ccni ricl tc)

Halldlillg Chilrges for Expon Relillltlllee Ap pll eatiolls

I-Llndlrng 0 1middot Substitution Cases of Ex port Rdinan ce ProeesS lng Charges OCI elopnlcnl SUlchargc

on Exporl

C DOMESTIC BANKING

I Inland Letters of Credit

l) Iss ulncc

h) A lllellli nlell1 S

c) Negotiation

d)

c)

I)

i) Sight

ii) Usance

I fb ills are drawn at 1Jsance under Inland LC

Purcha se o j Usance Clill s

Advi si ng AI11 endl11cllt and COllirlllalioll cha rges of (i nward) inl and Lcltcl oj Crclilt

2 BILLS a) Documentary Collecllons

SCherull orB(ful Cilllr(lS (Exclusive or FED S(fles T(fx) e(kerile lull fli 2111-1

i)

Rs I()()Oshy

0130 lVIillilllull1 Rs 10001shy (OR subject to negoliatioll anel apploval Crolll Ihe cOllcerncd Group Head)

Rs200- (Excludillg poslage)

Rs 500- (Exc luding pO Slage)

(C 0151 per cla il1l M ill Rs 600shy

(tl O45u per clailll Mill Rs 7501shy

0045 per claim Mill Rs 1000-

Rs JOO- per ccn i ri ca te

Rs 600shy pcr applical ioll

Rs 600shy per case

Rs 1001shy per ex port Cl ill

045 pcr quarl lt r or parltilcrcof Mill Rs 15() ()shy

ii) For annllal VO IUl11C of Rs 5()IV1 Puhlie Sector Orgnni 7 ationl Goverlllllellt l Semi-Govcrnment Sponsored Bodies cO lllmi ss ion subject to negoliation and approval from the co ncerned Group HeaeiRGrvls

Rs 10001shy per amendlllcnt (FIJI) or eomllli ssion under ilel11 I (a) ailolc if anlenclmintln vo lvcs increase in amount or ex tens ion In pcriod of slripl11eIJl

004 0 Fl al Minillltlnl Rs 800shy

OA5deg Flat Minimunl Rs 800shy(OR subJcct 10 negotiation and app ro va l from tlrc concerned Group Head)

Rs 650shy per bill (flat) to be charged at the tinlc of retirement of bi lls Ex tra Conl llli ss ion at 0145 per monlh is 10 be rcco verede harged lo r th e USIIlCC hi lls for any period beyond va liclity of LC lill date of maturit ypaYlllent Howeve r IlO commi ss ion to bc ch argedlf the maturil ypa ymcnt period of thc bill rails lIithill tbe period for which eOlllm issi on has alrcady bccn recove rcd

Charges as per ilem 2 (a) and pOlnt(lv) oi thc notes heloll

AS applieablc in case of Export Lelt els ofOmiddote dit

004 0 Minillluill Rs 500shy(OR suhJect to nego tialion and approva l frol 11 the co ncerncd Group Hea d)

3

iii

lsluri JIIIII -iIIif n i SchrIII o(fillli CIrles (Lclllli le o(FU) SIII( 1111) elf(oil pound 1Ii) III 211f1

h) DOC lllll clli ary 13 ills olher th11I tilosc IU5 X Illill Rs iO Olshy pi lls Illark- Ilp rctllrll rlOll l th e dll c o r l llr[ hls 11

drJ w lI agaill st Lcll ers or Credit amp Cl ca n the date proceeds reccived 11t1l sT rad c Chcqu es

Noles i ) Coll ecti ng gellt s charges ir the coll ec till g agc llt is other than the hall k w ill be cx tra

il) Charges or Rs 13 51- ror doc II IIlelllltl ry eolkctioll ill ca se the illStllllllCllI is returncd Ililpaid

iii ) Tel egrllIir llnk c 11 chrges w ill be extra i r rate or II1strulllent is obtai li ed by telegraill telepholle

i v) M ark-lip shall be appli ed 0 11 bills purchased llegotiated as appro ved

v) Storage chargcs Rs 135- ( fbt) rer r acket per day No chil rgc i r clea red withill 3 days o r its receipt by the brallch

I i ) Olher charges as per 1I 0 tes (i ) to ( iii ) amp (v) allove will be extra

]_ GlJARAlTEES CliaralltlIS iSSIJ(d to s hippillg cOlllpallies Rs 15001- (tl~ t) (agltl inst 11 01) ca sh margi n or aga illSI I vail ahle limils) in lieu or bill s o r l ilding Idelivcry ordcls ltl g~ill s l A OVI3 wh ere ori ginal ciOC Ull1111IS have not bcen received

b) Other Guarantees Ol Sj) per lJuarter or rar tli creo f M inil1lull1 Rs 10001- (pcrllltln SlC lioll )

c ) Puhli c sec tor eorporati onl goverlllllcnt l O I S per llulner or pa rt thereof 5enll ~OI ell1ll1CI1I spon so red hodies

eI) Gua ra nt ees ag~ in s l I OOY Ci sil Margin N IL cha rges (Depos il IIndcr li en w ill nOI be co nsidered)

c) A Il1clld lllCnl Charges Rs () 50 - Flar in ~ddition 10 ehargrs as l holc

Handlillg o f claims Iinder guarantees Rs 2S 00- Fla t to be charged to the appl icall ex cept lor inl erim claims received rrom Cusl om A utho riti es

COll1miss ion agai llst g ll ltlJil nleeS Oil behal r o r correspolldellt ballks subj ec t to approval rrom IN D alld cOlmni ssion 0 11 gll ltlrantccs iss li ed ulldcr syndicated arrangell1 cllts sllbj ec t 10 ncgotiatloll and approval rrom the COllce Jl1ed Grollp Hed

Note A ll guarantees iss lled by banks will conta in specific amollnt exp iry date and date by whi ch the claims ~ rc 10 be lodged

Note

HlJS INfSS COMMITMfNT amp Business commitment to be obtained frolll the elienl alongwith all undcrtaking IO lhe elicci Il lal COM P[NSATORY th ey will pay cOlnmissionllpto 1 to the eXlent or shortrall in Iheir hll siness eonlinillllClll COIIIIISSIOi

GENERAL BANKING (Foreign)

A REMITTANCES

OUlward i) FDD USS 20- plus cost o r SW IFT Charges USS 5- per message or equi vill cnl PK R O J will also be arrlica ble i r the amount is 11 01 retained in Ihe aCCO llnl lo r 15 dilYs

i i) FTT USS 201- plus SW IFT ch arges (r( USS 13- PCI IlIcssagc

i ) Ni l ilp roeccds arc u cdi lcd 10 an aceOllnl w ilh li S otllcr ll isc I il al chlI g ol tSS 5middot shyor equ ivalent

ii) Home remittances Ni l charges (cx cludillg COS I orl11oney order or Ic lcg l lllI charges wlle ll Imiddot r I rcC] uesled)

c Cance llalioll or dcl11 md draft USS 101- plus sW lFr charges USS 51- or eL)ui vli elll

d Issu lIce of dllpli cate del11llei USS 10- plus SVIFTcharges (I USS i- or equ ililic il l drarls (in liell of lost)

e Foreign exchange pennit s 0 11 Rs 107 51- per perillit hell lr of CCO lilit holders

USS 70i- per else 8 Ik llc 11 ree USS 50 or cquII liell R(gl slr~ ll io ll o r stlld ellt cases

N il ChargesCash deposil ill Fey A cco unt

4

Aslwri Jltllk lilllielf Schedule o(BItIIi Chanes (Exclusive o(FED Sales Tax) ef(ective III (J I 2(J14

B CLEARING THROUGH NlFT IO(lII SS CheqllCs

USS )0- pcr ilClll + poslageI) U II I Jrd Clcnllg (1lid)

USS 15i - Jler ilelll -I POSIlgcII) O lll nd Clearillg (RCIIIlllS) i ii) 111 ( (Icanllg (Iaid) USS 35- per ilem

i v) In ward C learing (Rei urns) USS 101- per ilem

C Collection til rough Correspondent i) Co lleetioll or FCY CheCllles USS 13- per CllCClllC pills Corresponcient Bank s chmges ~t ltlctll1i_

Ihrough COITeSpol1cient Bank

D FOREIGN BILLS PURCHASED i ) TCs (CCCPI llleri ca ll Ex press) O75 nlill USS 751- or cquivalcllllll Pak Rllpecs

ii ) Va lk - Ill C USlomcrs (ncpt 1I1C TCs) OSO mill USS I~ - urcqlllilclll ill 1~III)CCS I ill) Chequcs drans IMO elC purchased for eredillo Fe aeCOUlli USS 25- plus 3tU11 co urier charges (correSpOlllicl1i 111111

charges will be extra ifany)

E PostaliTelegramTelephoneSWlFTTelexfax amp Courier Charges I Correspondelll Charges Actual

2 l)oSlge Rs 320shy

J Couricr Se rvice Rs I SOO- Flal

1 WIFTTelcxCdlle Charges

1 Fllille x i Lie elc Rs 1700- Flal

h SI1011 IIlcssagc (eg LIe amcndmellt etc ) Rs h50- Flal

O lher ShOll 11lcssagcs Rs 6501- Flal

Te lcpholle amp Fax C harges RS(50- Flat

6 )OIT lg ll l3ill s senl for co l lec lio n relurned unpaid Rs 55 0- Flal


1 REMITTANCES Drafts and TTs ) ISSUlIlCe olDrarls al1d Tfs ilhil1lhe i) uplt) Hs 1000000 H IO()j- lor accounl holders

IIclork of Askari [3ul1ks [3ral1chcs 020 Minimum Rs t OOO- for o-arrO1 hohlI

ii) Over Rs 1000000 N tL li- aceounl hotde ()~()O ~ 1inimut1l It I~()()- for 1I01l- HTO llnl holdeI

h) Iss uance of Demand Drafts drawn 011 i) O I 2 or Minimum Rs 20()- lor CCOIl11l holders

olher bank s IInder specia l arrallgel1lcl1lS ii) 020 or M III i Illulll Rs 1500- for o-arro1 hotdr

c) Cancellation or del11lIlcl dian Rs ~OO- (fbi)

d) issuance ofdupllcale demalldtilalls (in Rs600- (Ilat) heu or 10SI 1

No poslage chlrgcs 011 DDs

As above or as Icvicd by our Co rrespondelll Blnk hiche r is 1 )[ ~i1cr

II Pay Order

al IsslIlncc of Pay O rd er i) UplO 1( I IV Ks SO ( rial ) lor accounl holdels Rs t OOO-lor IICHJ-ICWUUI holders in rash

ii ) Abme Rs1 vI I(s 5() ( rI1I ) lor ICllllnllloldcrs Rs 15001- lor nOll-accounl hol(krs I in rash

h) Callcellilioll OtP ~I OelC I i) I(s I Illl- (11) lor ICCOIiIlI hnldCls

ill RS30()1- (1111) lo r 1l)Il-ICCOUnl holJcrs

5

AS((II Iallk Lillliid SChedlle o[flllullt Ownc (EreIsil or fF D I SIIC 7) cflt(iI Il1h () I (1

e) Issuancc oCduplicllc Pay Ordcr(in i) I~s 500- (1111) Cor accouill holdcrs licu oClosl) ii) I~s SOO- ( l1al) lor lloll-acco ullIiroldcrs

Olc - i) Chlrgcs 1111) Ill rcduclu or Ilailed by 13rlt111CII italllgcr Arca 1 IJ11Jgcr l(eg I011al CLl1cral IVlamgLl JLpClldlllg IIJl llll

hIIICSS LOIISidcll1ioll eIC il ) Charges on Issuance of Pa y OrdcrsDDlIl Y olher relalcd inslrull1enl s tor paYlllClll of feeducs in LIIOur oC CdllCl li on 11

Inslilulion HEOOoml charges nOI cxcecding 0)1 of Ihe Iceci ll cs or Rs 251- per inslrumenl wh ichcr is ics5 (Ref 1middot10 Circuldl No 1)7) dl1cll flIgUSI 121)0))

III Illter Branch Olllille WithclrilwalIDeposit

IV

1 ) llldri I uplo l~ s 1 vl

11) Wilhdra wal oler Rs 1M

e) Deposil

fnter Brallch Online Transfers

Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)

a) Inler-hrlIlch Online Transfers Rs 501- (1101)

b) Co ll ec tion Account (colllpanies only) oplt lIcd wilh Ihc approv11 of Head

fS per approval by HO on case to case basis

OCfice

No tc - i) No charge on OiliinL w ilhdra al depositlransfers wi thin one cil y (Rlwa lpindilslalll lhad is Irc l1 ed IS olle CIII) ii) ClIlr~c 1111) lie redll ced or ri ved hy 13rlI lC h MIII1gn rClt1 ~ I III l gerl Regionli GCll criI Maluger delcml ill 11 )1 11

business cOllside ration cle

B BTLLS 1 Collectiolls

i) UplO Rs 1000000 DI iY M inillllll1l Ic I)()Clean (including Cheq ues) ii) Ovcr Rs 1000000 0080 Fbi

2 fntercity Collection of ChcCJues Rs 200- per ilelll through N 1FT

0501u Minililum Rs 2001- (Plus Ill~rk-up as (JPprovcJ)3 Purch~se of Bills Cheques etc (Olhcr ChcquesDelll 1Il11 in strulllClllS)

No tes J) Colleclilig Jgents ellurgcs if til e eolleclillg Jgellt IS otller tllan til e hJnk w ill he exlrJ

b) Chlrges of Rs irS for clc~1I eolleeli oll ill case Ihe instnlllleli l is retllflled 1III)Iltlici

c) Mark-li p shall he applied on hril s purch asednegotialed as approved

d) Ni l charges 011 Pak Rupee Cheq ues forCiearili g Ihrough N IFT wilhill a cit ) (Rawa lpindi lslalllltJh 1( is Inltl lcd

as Olle city)

C SAFE DEPOSIT LOCKERS FC L I r srll deposil IOLkc rs (10 h recove red ill advance or 1I Ille COlllnlcnCClnCl1i o f the period clrl yi hrlf yClrlv l)1Ilt1 rinil 1 lir e lmiddotImiddot Ill he)

1) I) SllIall Rs 2000- pa or Nil on refundabl e key deposil of Rs 3()O ()() shy

ii) M eJiul1i Rs 25001- pu or Nil 011 rellilidabl e key deposit ofR s 400(1) shy

i i i ) Largl Rs 4000- pa or Nil 011 rcfllllli ahle kcy deposil of Rs 50000 shy

i l) EX ira Large XL (I () x 16 ) Rs 6000 1- pn or N il 011 refulldable key deposi l of Rs 60000 shy

I ) [ xlra EXira Large XX UI6x31) Rs 7OO()- 11 or Nil Oil refulllLlhlc key dcposil or I S5IJj(J shy

h) Iltcl Deposit Rs5000- Icr locker Ior those locker holder lro l)PI 10 ply 11IIU fcc IIhklt orolle lilllc scellrilY 11ellosit

L) AI aClllal pillS I ~s 20()()j- IS sCfl ire ehlrges

d) Lal c pavnlCll ehrrgcs I s ISI)- per Illonth or Plri th erco f lllaXillllllli onc y~ar annual rC111

NOle Nell 111101111 ofIltcy Derosil is ltl1)plicahle on ly 10 Lockers lice llscd frOIll I July 20 14 onward s

D UTlLlTY BILLS (PTCL WAPDA SNGPL)

(101 detail s 1-l1 c ISC Iern In Sl flI(lion Circulltlr No 111 5 md I S27) J Service Charges Rs8- per bill (plyJble by ulilily cOlilpani es)

h Chequc collcclionirc lllrIl charges N IL

6

lslwli IJollk Lilllited ScllNllIll or811111 OllnlS (ElclllsillfJ(FTOISIIIs Till) (lIioilI) III lllU

E ALTERNATE DELIVERY CHANNELS

I Visa Debit Card (Basic amp SlIpplplIlenlary)

1 ISSIIlI](e Fcc i) Classic Rs 5001shyii) Gold Rs 7501shy

h AnJlall~enewlI fcc i) Classic Rs 430-Ii) Cold R 750shy

( Rcplnccmpnl i) ( laSS IC Rs 50()Jshyii) Gll ld Rs 7501shy

d ROC Vou(her I~elril~al Charges i) LUCid Rs 511shyii ) II1Ielll IIIOJlr1 R I ()()jshy

d ehr rgdJr d Proc lss i ng F cl

i) Loca l Rs 1(10shyii) In[CII1llional Rs I SO Ishy

2 ATiVI Services

a Se rvice Chltlrgcs on 1 TvlDebil Card Rs 2 I Sshyon Id r )clrly ha sis

b Cash ilhdrawnl FlC i) r- rOI1l Asklri [3anks 1 Tv Ii ) 1=10 111 Illlicpcllci cnl Service Prol ldels ATM iii ) From I-Link lvicnlhcr l3lt1nk s ATlvi IV) Fronl MNel TM 1) Il1IclIlilliollal ATM

Free Rs1 5 - per lransaclion RsIS - [lcr lr1I1Slclion RS I S- per lransaclion Rs300 shy per Iransilclion (whi chever is hi gher)

nr 251 01 IranSl( liOII 1I1HlIlil

c Balan(( rnltjuilY Fee i) 110111 Asbri [3anks f TM Ii) Fr0l1 1 I-Lillk Memher 13lt1nk ATM

Free Free

NOll Charges (cxclllcJin g 2-b amp 2-c) l1lay be reducedwaived by [3ranch ManagersArca ManagersRegioml Gencral i 11I1cr LiCptIILiiI1g upon il llsi nCss COIISiLicllli ons ell

Fund TrJlI ~ fcr Throngh ATiVJ I-Nct BlJlking IVR-Cl11 Center

J In[er Brlnch Funt Transfer rree for all Accou nl Holders

i) Free Cor Currenl Accounl Holdels ii) Rs 1001- pCI IrJnsfer for inieres l

hearing fccounl Holdcls

F CONSUMER BANKrNG SERV[CES I Perso Ilal Fi II a n ce i) Cle~n 100 of loall amoun[ OR Rs 2500- middothlche( r is

1 Process ing fee for civilians higher (illcluding legal amp documentation charges) i i) Secured - 130 of loa n amounl

nlJx IIplO Rs 6000 shy(Legal amp clocul1lell[a[ion charges al aCluJI )

i) Clean I()()y of loan al1101l1JI min Rs 11)()()f_ (IlK ludillgh Processing fee lor irnlcd Forces jJersonnel Ieg11 amp uoclIll1cnla[ion charges)

i i) Secllreci - 13011 of 10111 dl1101l1l[ Illa x lIplO Rs SS 50- (Legal amp ([OC IlII1(lllaIIOll

charges a[ aClual)

C Lilt c Pl YIllCJlI charges Rs 1000- or 862 oflhe inslalllllenl1l101l1l[ whichever is hi ghel

d Cheqllc rC[lIlll charges Rs IO()O- per chellue Up[O 4310 of [he oll islailliing umount c El rl v se [ll cll1C nl clllrges

7

- Islwri lolli illil l li Schtdllle or HOIII Ch(mts (Erellsvt of FfD I Soles Tax) eljictirt 1111 () I ]111

2 Smart Cash d Poc e s~ ill S Fc i) Cleall 2 1 or loa ll amOllll1 min Rs 000shy

( il lC lllLiillg legil l 8 dOCIIIlICIlI ltJ lioll chargl)

Ii See llrcd - 150 o r loa n a1llOU1l1 Imx lIpl ll Rs ( O()O shy

( L ega l 8 UOCUlllCill allOIl chuges al aeill ri )

Rs 5000

Ellhll1(Cn1L 11i c h lr~es ) 50Y o r Ihe enhalleed dll10 III I1 Ill in il ll lli ll Rs S()()I)

Rs 1()()O- Illr cheque

Rs IOOW- per Illollih o r S (2 ~ o f Ihl Illillilllllill ll ll(lI I 11 Ivhl chevcr is highcr

~ Mortgage Finance

ll ProcessIn g Fcc Rs 8OOO- ( Flat )

h LegJl doculllcnl8 tion va l ua ti on A t ac tual ineoillc eS li malion charges

c Enhancclllellt Charges Rs 6 5001- ( Flal )

t1 LaiC PaYlllcnl Charges Rs 10001- or 862 or Ihe illSIllIlllcnl Jll1 0 1i1l1 IIICIICI(1 IS Il igher

c Cheque relurn charges Rs I OOOI per cheque

Prcllll lurc TU lllill ll ion C harges a) III case o f carl y sClllelll(11i hy thc Ilo rrower ehrrgcs ill he applicab le ill th e lollow illg Illall ile r I) I Yca r Upto 65 0 11 OIlISIllldill g hIIrIlCl ii) 2[ Year Upl O 5 0 11 OIlI SIlIld illg 1lli lllce i ii 1lt1 Yea r o llwa rds UplO -I S 0 11 oUlslalldillg Idd llll

h) UplO II Y o r the oUlslalldilig hJ lalice ill case o r hr Ill lCL tra llsfe rred to o ther bank irrespec li ve ol l h~ l i llle pcri od

13111 ooll PaY lllell1 l ll owcd IIJlIO a 111lt1 111111111 o f 21) I IhL [3r lloon Ir ynlelll oui siand lllg ba lallce ill a ycar fcldili oml ball oo ll pr YlllclliS ill be II p lO 6 charges 011 Ihe a III0 II III heill g paid (hali llo ll paylllLlll alllo ulIl )

4 Busilless Fillallce 1 Procc ss illg F(C Rs IIJ()()() (F lal)

b L Cgll doCllll1C ilia IiOIlaIuatiOIli IlCO lllC A l aC l llJi

es lilliatioll chargcs

( Re llcal FcC Rs I (J(HH I (H iI )

d [ llh IIl CC ll1Cnl Ch lrges Rs 100001 (F lal )

e C heqll e Re lUrn Charges Rs 1000middot per ehcq uc

[ Llle pIYll1C1l1 Charges Rs IO(J()- or 8(21 01 Ih l IIlSI11I1I1CIlI al11lt1Ilnl 111 c ll ( r I

highcr

g Prelllalure Terminatioll Charges UplO 6510 orlhe lilllil

5 Auto Finance Rs5J)OO lIonmiddotrc[ulld blc i fdoV 1l plynlcnl is rLle i ldl I roeess illg Fcc includillg IcgJI dOC Ull lC lltali o ll

( il lnges

A I ae illa) - lll J x 111111 III lip 10 Rs3()(JO middot11 VrllI lll on i II CO Ille CSIIIIl1 IiOIl charges

C Preilla iure Terminali o ll Chargcs U p to 5Yo of lhc Principal oUlslJnding

20 o flhe OIlISIllldlng hti lnC( i ll 1YCJr slIhJecl 10 - () C h H~~l 0 11 lhe aillo li nt heing p~id (ba ll oo n Il aYlllenl anlolllll)

U i3a loo ll PaYlllc lli

Rs 10(1 0middot pCI cheLlll l

3()gt OITqllJI M Ullllrl y 111 1111111[ 111

e Cheq ul lIIIn Charges

I ale 1 lllc lli Ch lrgcs

1 rClurI (Leplo s illIHIII- middot )g 1ltl[lOSSlssion Ch argcs

h Trileitc i Chlrgcs lip 10 RIS()1I0 middot IS Oll L lill1e ( l l l l~e

I 1_lll gni o ll chrrgcs (il Jny) i I lelll 11

I CO lll prehcnSl vc Insllllllec Ch lrgcs A I Jellla)

k T hird pl lly NOC iss llance ehr rges Rs 2000shy

I Duplicrl c NOC iss uance charges Rs 50001shy

8

l Islcllri 8ullk Ullliletl ScherIIe O(RIlIlIc Chan(s (Excillsive of FED I SIIes Tllx)lli(iIl IIII () I)-I

C Certi1icate of Jnvestment Preillature Encashlllcnt Charges

H ASKARl MASTER CARD I A 1IltJIlli Card

Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1

() SlIPfl IClllCllIltlr ) C1I d CI lSs ic

7 S lIPlllcJ11Clllarv C ard - Gold

S lippl emelllar) C IIlI shy PI~lil1ull1

I) Laic fltl YllCIII Clw gcs

10 Ser v ice C harges RClail Trallsac lio lls for Classic Gold

1ll1 Pblilllllll Cards

II Serlicc CIIJrgcs RClail Trall sacliolls for AWilllli Cards

12

13

Se rvi ce Chargcs Cash

Cash -hallec Charges

I ~ C hCl[UC RCllIlIl Chltlrges

15

I()

17

18

I ()

IOxclss Owr Li mil C harges

IsslllIKe or Dliplicill C Slal ( llI(1I1

ClIll RCfllacCl11e ll1 Fe

I- lex ibl e Cred i I Plall (FCP)

FCP El rl y Callcellalloll C harges

20

21

22

C rle1il CHl r (II i ill Ihl COII llIl Of CUSIO Il1CI)

V ouc hcr RClncli1

1 loc i1 T r ulSa clio ll

I IlllclIl llioll d Tr IIISlC lioll

Corporalc C ard (A lllluli Fcc )

i ) I 104 C rcelil Cords ii ) 5 10 ) Credil Cards

iii) 101014 Crd il Cards

iv) 15 alld above Credil Cards

[lalan(e TrailS fe r F~ c ilil y Service Cllurges

25 Fo re x M arkup

Servicc C harscs for SivIS aleri

JIlLl fI )C I lrI1SIC lioll c lllI gl~

O () I Xor amOllnl invesled

i) Ilts 55 0- as Process ing C harges

ii) No Al1l1ul1 Fcc

Ilts 2()()()f- per allnUIll (wa iver based 0 11

w ililin 1110 1110111hs o i iSSlIltlIICC 1 rCIICIIl1

Rs 40001middot per lllllUI1l ( w ai ver bl scd 0 11

wilhilllllo 1I1011lhs of iss llallce 1 rCllcwal

Rs 50001- pcr JIUIlII11 (IVai vcr based 0 11

w ilillll I IO 1110 11lils of issuance I renc wd

No A111111 d 1 (

Rs 11I1)()- pCI allnll11l (1Ii l cr blscd 011 w ililill 10 1I101llhs ofissuallcc 1 rCll cwa l

Rs 200(1- flcr lt1111111111 (wail CI bJsed on

w ilhini llo 1I1011lhs of issua lice 1 rcnc llal

Rs 30001- pc r al1l111l1l (wa i vc r based 0 11

II ilhilllllO 111 0 111hs (lfi ss llancc rCllc wal

Rs )()()() - spellciillg

Rs IO()O()I- I)C ntiIl1

Ilts I O(JO - SPlll d illg

I s (H III - 11L lIdlll

Rs 1I1)() - ll 11dlll

Rs I O(JO - spc lld i ll g

Nu allnllal Icc 101 firSI Ylar II Illrcas 011 snhscqnl1l1 rCIlCII al

Y(ars aicr bnsetl 011 spending

Rs 10001- per mo nlh o r 8()2Yu of Ihe nllllllllllll1 llnOIlI1I

V hi c ileve r IS higher

i) Sa lari ed 1 Illdi v idual Person

ii ) Sell Empl oyed alld ZlIal ) 4)11 p CI Il l() lllh

iii ) Armed Forces 1COllorale 200u Iler monlh

i) Awtmi 3 7 0 pe r IlOIlI h

3 70 pl l nlo l11h

Rs 10001- or 35 Wlll c ilcIcr i s Iligher

Rs I O(JO- pCI chequ c

Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih

Rs 10751- or 551 of Ihc oUlslanelillg arnOllnl IIl1Ielllvc r IS

higher

Rs 550 o r 320 II hic liclc r is hig her

Rs ) 75shyI s )11111shy

UPIO Rs 21251- per card U fllO Rs 1075 - per card

U PIO Rs 800- per carel

UplO Rs 5501- per carel

200 per 1110 lllh

2Y on Ihe transacliolls 1I1101l1lt - 10 h oflpli ed 011 i11 111115(1 1011 5

olher thall Pak RUflee

Rs 50i- per 1110 11111

N il

011 I dl l r 01 ltJlIIlU cll fcc for nasic lIld Suppiemelliary cards sllhjcci 10 apprOla l of Ihc cO llcerned alilhorily based 011 Ihe lUS()IlICI

AsI(fri Iallk Limited Schedule or Hlluk Chars (rc1l1se lit FED SIIII T((x) ellict1 1111 Ii I 701

rl lali o l1 and spcndin g IHalile

1 Branchless Banking

I Casll Dcposil - 00 Acco unl Ho ldcr in hi sher accoun t Frce

li l lllllllll1 Is 50 - 10 111 1 111111111 R525 0()()shy

2 131 11 11 ) 111(111 Free

I1JI l lIlT Tol l 1 lillil11l1 111 J(sI O - 10 1111 i11111 Jl1 Rsi ()O()- Frcl

~ (1lIe PI ) Frec

~ ( hIJlge PIN Free

() OJI IJ1 ce EJlq II i I) Frec

7 Mill i SIltlI Cl11eI1l Frle

8 SClid l ceOll1 1l Illill Free

J ISS Il lCe or eCOlllll SrlICllh lll ltII Ihc reqll ~sl oITuSIOl11C1 Rs 0- ller SIICllle lli

I () J) C(OIlIlI OPlJl lllg (L l c l 0 I II

hi rC(O Ii 11 I OpclIillg (L (vcl - I) N il

I I C h illlrllI

II UplO Rsl O()O- Rs 20- pcrrallsaciall

h) Ove r Rs1 0001- 10 RS2500- Rs 39- per Ir~ ll s Jcti a n

c) Ocr Rs 2500 - 10 Rs40001- Rs 56- per runsaeian

d) Oer ls40()() - In Rs COOO - Rs 78- pCI Irallsac li an

c) OCI Rs (O()() - 10 RsSOO()- Rs )) 1- pcr lra Ilsaciall

fJ 0 (I I~ SSOO(J I - 10 Rs 1 ()Otlt)- Rs I 16- pcr rallsaci an

g) Over Rs1 OUO() - 10 RS13UO()- Rs 134 - per ll~lnsaclio ll h) O cr Rs 1(JOO - 10 R51 (gt(JOO - Rs 155- per 111nSlt1Cliall

I ) Ovc r Rs I C()OO - 10 RS20O()O- Rs 177- pcrll-a nsuciall

J) Ovcr Rs 20OOO - [0 R s 2~ ()OO- Rs 194- pcr IrallSac iall

12 Flilld Trallsfer (ilol ~ ile1Ccollllttoilohle CCOllllt)

ltI) LJp lo Rs200- Rs Sl- pc r rallsac iall

h) O ver Rs 2UO- 10 RsS() () - Is I 1- per rullsacli an

c) Ovel RsiO) - 10 I~ s 1000- Rs I S- pcr Jill sac li an d) O ver Rs INJO- In Rs2 5()O - Rs 36- pcr ranSilC liall

e) Oer Rs25 1)()- 10 RS4(J (J(J Rs 56- per ransaciall

I) Ovcr Rs4 0()O 10 Rs ()()OO- Rs 73- per lransaeu an

g) OVL Rs (gt()OO- 10 Rs8OOO - Rs lt) 1- pcrtransucuan

h) Ove l J( sSOOOl- 10 Rs IO_O()O- Rs 10S- pcr I ~HlSl( (lJ1 I) Over Rs 10000 - 10 R51 3OOO middot Rs 129- per rlnSilClian

jJ OVCI r~s I ~O ()()- 10 Rs 1(U()O - Rs I ~ 7- per 11l ll sI( liall

k) O vc r Rs1 ( ( )()O - 10 RS 200tlO middot Rs I (q - per Jltln SaC l all I) OVll l ~s 20 110 [) - 10 l ~s2) ()00l - Rs I S 1- pcr JltIII Saci o ll

11 F lIlllti Trallsfer (i lohile ((011111 to CNIC)

1) t IPIO I~I OOO - Rs ~I) - per Irl nslc lion

h) Over Rs IOOO- In Rs2i OW- Rs 70- per rllls]cio n

c) 0 (I l ~s25()U- 10 Rs -10()() shy Is I I ()- p CI 11I1Sac ioll

d) O W l Rs4000 - 10 Rs()OOO - Rs 1551- per IClIlSacion -

c) Ovel RS (()( IO - 10 RsSOO() shy Rs 1) ) - per transacti o n

I) O VCl RsSOOO- 10 Rs IO()OO shy Rs 233- p~r I Cl n saerIOI1

g) Ovcr Rs1 OtlOO- 10 Ilts1 1000 - Ilts 276- per Iransaclian - - h) 0 ( I Rs 1gt000 - 10 Rs 15 IJOO - Rs J 101- per IIClI1S3e lioil

I~ FlIlld Trlllsfcr (CNIC III CNIC)

ltI) U llia I~s I OOO _ Rs 52~ pcrlrUIlSaCIOI1 h) OVll Rs 1(lO(l oRS2 )OOi - Rs 103- pcrllltlnsaci on e) Ove l l ~s2)OO- In RsA IH)O Rs 14 7- pcr Iransacrial1

til Oc r RsAO()O - 10 Rs(OOO - Rs 1)8- per 11JIlSJCIIO Il C) Over r~s(gt(I()II - III RS S (HIO- Rs 2S0- per Iransaclian

I) 0 r RsS OOO - 10 Rs 1 OOO()- Rs 302- per I rJllsaclion

t) 0 (1 RS I () OOOI- 10 Rs1 ~OOO - Rs -1 51- per IranSa(l ion

h ) O r Rs1 OO() i - 10 Rs I SOOO - Rs S8- per rmllsac liall

15 FlIllll Trans(r(CN IC to ilobilcccount)

a) U plO RS20(1 - Rs 13- per IriIJ1SilCli on

h) 0 er Rs200- 10 Rs 50U- Rs 22- per Iranslclioll

) (h er l~ sOtl - 10 l~s1 I)OIli- Rs 0- pcr lrdl) S~lClioll

ti l 0 cr Rs IOI)(I- 10 Rs2500 - Rs S()- per lrltlIlS (lCl io ll

I 0(1 l~s2 5()() - 10 t ~s -1 ()()O ( - Rs 86- per r1I1 ~aCllall

10

Slilll jolIi UIIIlec SclIdllt lFRIIl1i Cones ([xcllsil of FU) I Is TIll) Iljicli 1 11 ]14

r) Ol cr l~ s~()()(J 10 l~s(O ()O Rs I I ()Imiddot pcrllIIISl(lioll

g) O ver Rs( OO(lmiddot 10 Rs8OOOmiddot Rs I ~ 7 middot pcr IrallSa(1I0n h) Oll RS()()(Jmiddot to Rs1 (J()()() Rs Inmiddot pCrllltJn SilClion I ) Oler I~sl() ()()()jmiddotlo RSIl(J()() middot Rs 2()~middot jJcr 1111 151(1101)

I ) O ve r Rs1 ~()()() 10 I~ s 15()O() Rs 2~ - 1middot per tllnsaClioll k) Olc r Il s 1)000middot 10 Rs1 SO()()(middot Rs 2() 7middot pcr 1JJllsac lion

I) (her Rs ISO()Omiddot 10 l~s220il() Rs Oll per Iransac lion 111 ) Over l~s 22()() () imiddot 10 RS2 5()OO Rs 345middot pcr U~lllsac ti o ll

l~otC No charges 0 11 OnmiddotLinc Cas h Deposit for CUSt OIll ClS mailltlt1ining account witll [hanchl ess [lankillg [lr~llch (() )5)

J Corporate amp Commercial Leasing I C0Il1I11illllClli Chrgcs 111 pcr qllartcr

2 Lease Relltal Cheque Relulll ChJrges Rs 5001middot pcr chequc

J LCltlse Relll1I La le PaYlllcllI Charges (Relllal l I ()()() yen No of days or ( Yo per 11111111 11

-I Lease Prellllurc Ten lli l1J liol1 Charges 510 o r Ihc princIpal ollisiallding

~ Pri va le eliS l~ cpossess iol1 Charges (LoeII) A I aClual (UpIO Rs V)O(JOi)

( lwltlle Cltlrs Repossession ChlIges (Outstati oll) AI aCllial (U pIO RsJ5OOOI) ~ COIllII)crcIlt1I Vehicles Repossess ion Charges AI aClud (UpIO Rs 750()() )

S DOC UIl1Cn lltlli oll Ch lrges Rs 40()Omiddot per case

J Veri ri cal ioll ChlIgesProccss ing rec Rs 10001middot per casc

Ill Third 1111 ) NOC iss ulIlCe Charges R5 2000middot per case

I I DlIplicllc NO( issuance Cilargc5 Rs 5000 per case

12 TrlCk Lf CILlrgcs UPIO R5 1 i(JOO p~r CiiSC (Onc lime char~cs )

I ~ nlIll)Qn PYKnl Cha-gs 5 ofprillcipal amOII)1 heing pJiel

I~ Ass el I alullion chltlrges AI aClu1I

15 1 tli gclliollCllllgCS AI aCllial

K AGRICULTURAL amp RURAL BANKING SERVICES

I fIOClSS g Fcc 1(11 lo llowing Fillallces 25Y olllle sanclioned flC ilil y amollnl

i) Aska ri Iltissall Eve rgreen Finance Ii) Ashlli Ki ssJn Traelor Finance iii ) Aska ri Ilti ssa n ramI Mcchani~alion

IV) Askltlri Kiss1Il Liveslock Developllent Fil lance ) As kmi Iltissall Aahplshi Finance ) Asbill KSS11l Transp0r Fiwnec ii ) A skmi K SSilll Grecn House amp Tunnel Fllancc i i i) Aska rl Kissln Iarlll Stora gc Finallee i) A skari KissII) Model Dairy Finallce x) Askari Ki s5ltl 1l Gold Fi sh Finance i) Askiil i K ss an W hite Pea rl Flllance il ) f skltiri I(ssall MurghlxlIl Financc i ii) iskil rl Kiss1Il Gnlhan Finance II) sllt1JI KI SS1Il Samar 3ahishl FII1II) Ce I) Asan 1 lal i Sdlldal

2 Serviec cllilfges on del ayed paymenl of n1arkup ln slalllllent o l TFlrollolll orrevo lvlng cred il faciliti es

i ) Overduc by J I da ys 10 hO clays Rs )()O ( l1 al )

i i) Ovcrdllc IlV (j eI ))S 10 I)() dys Rs IOOW (1111 )

Iii I OWelil (1 1) ()O days Rs 1 5001middot ( l1al)

1 Trltlll srn of Ilcill (on hOITo r ITIliCSI) Rs I t)()) ( 1111 )

~ Alllellllnlenls ill lerlllS 0 1 111110111 Rs 50Wmiddot (l1 aI)

L ADVANCES Follow ing charges wi ll bc recovered in add ilion 10 l11arkmiddotup j)lOfit 011 illvesllllelllmiddot

I ivli sc ellaneolls charges ACluat ( i e cilarges fo r doclllllcllls eva luatiol) or scclIrlly amp l11aililenallCl Iherco r elc )

I 1

-----------

hwri HOllli -illilliI Schedflle of HOflli Cililrfes (Erelflsit l or (CD Soils Tox) emojll Il1r 0 I ]0 I-f

2 Scnill la~ls on POClssinl of crcdit Jl10 Jloa1 (upfronl)

i) Upto Rs 25 11

~ OTT EOL Processing Clwges ag~lin s t rllnded Ilcilities

i) Upto gS5M

ii) Over Rs5M 10 Rs1 OM iii) 0 cr Rs1 01 I to Rs25M II) Oer Rs2illto Rs 50M v) 0 er Rs50M

-I Ch111~e 01 SCcurit) (0CUlllClllS

Release oJSecurilY dOCllIllllllS

Projecl cmiddot lmillIlioil fcc

l-ullllcdJlOJlshy

7 ISSUIIlCT ofNOC lor Credil FltJ cililies 110111 Olher [31I1ks

S c(Imiddotanlts againsl Jlledgeh~ Jlothccatif)n

h) Goclo11 SlafJSal~nes (Godown Keepers Chowk idnrs)

c) Godowil InSI)ectioll Chrges

I) IVilhin Municipal Lill1its or wilhill n radius ofS 1lt111 fr(ll1the brallch

II) Out side the I)(gtve limits

d) Delivcryehargcs ira (jouowllKeeper is not posted Conveyance charges will be recovered

c) Olher incidenlal expenses Insurall ce premiulll Leg1 char Ll(

r) ) ss ll~nee 01 Delivery Ordcr agaillsl pledge

) PellIl y for late PI YlllClll oj Mark-up

01 Oy milll111um Rs SO()O-

OOSOv (OR as JlprOl(1 h~ Ihe lonccnlld Group IllIII)

Rs 1000- each casc RS2000- each case Rs ~ (JI)O- cnch ca sc

Rs4OO()- each case Rs 50()()- cneh case

Rs 3()()0i- (1111) per requcmiddot

Rs 13()0- (flat) per rCclles

075 the proposed exposulc subjeci to 50 plvJhk Upfro11l (Wherever applicable) (OR subject 10 IlcgO(ialioll 111d iPIllOI11 fr]lll Illl ((lIl~I IICd

Grollp Head)

UplO Ro 10000- ()J lS pel Ipprolal

rCIIIiI

AClual

AClual COIlC)IIlC~ pillS olher clllrges

i) UPIO Rs 10M Rs 1075shyii) Ahove Rs 10 MRs 220()shy

TA amp DA IS per rules plus Iho w charges

AClual

ACluat

Rs 550- pel deli very ordcr

i ) Up(O Rs 25M - Rs 500- pcrdav il) Ovcr RS25M - Rs 1000- per cia ) (Note Pellally alll0Ul1i Illay be rculIccdwai ved suhjeci 10

Ihc approval orChierCrcdit Orficer)

lOI~ While ICCI)middotcrillg Ihc Ivliseell1I1coUS Charges hke godo11 SIaITsltlIII) illSpcctioll charge clL Ilw IUIOlIlll ICOI cd 1( 11 Ihl hurrrmcrs w ill 1101 c xcccdihe 101111(111 oflhe godowll salar oflllC gOdOIl11 SlillclC Illclhlr lord s 1l iscell1I1lOIiS Clllrcc lImiddotill hc leI ild ( per IClual

M M1SCrLLANEOUS CHARGES I SlC1P pa VIllCll1 nf ch~ljUCS R 5001- per illslrllcli011

l l)uplilalC IHelllell( 01 ACCllI11 Rs 351- (Flal)

~ Dupli cate parr y aliee charges Rs )W- per au vicc

1 COlllinllalioll oihalallcc 10 Audi(orsall) Olhcr eertificllle Rs 300- Flal

i iSlI(IlCC or cileqlle hoo~ Rs7- per lcar(FED is applicable ill provillces or PlIllj~h amp K rllt oll ly)

6 ISSlIIIlCC of loose cheques Rs320shy

7 Rc-issuallcc orchcquc 1)001lt Igainsl ICOrlll [3 Rs 300 plu s r~s 7 per lear (FCD is ppllcahlc III PJl)llIcc 0 ( PUI~ah amp 1ltPIlt ollly)

12

Askari Bank Limited Schedule ofBank Charges (Exclusive of FED Sales Tax) effective Julv 02014

8 Cheques returned unpaid in clearing

9 Account Closing Charges

10 Issuance of SBP cheque on behalf of customer other than banks and financial institutions

11 Charges to be recovered from Employer Account in case of transfer of salary to the Employee Account

12 Collection of School feeany other periodical subscription amount etc

13 Photocopy of Bank Record provided to Customer

14 Obtaining eClB repOl1

15 Obtaining Credit Report from Foreign BankAgency

16 Same day clearance of instlUment

17 Issuance of Call Deposit Receipt (CDR)

18 Issuance of Duplicate TORCDR

19 Test Verification from other Banks

20 Standing Instructions

21 SMS charges

22 Savings Ilank Acc9Unt - Minimum balance requirements (a) Regula Account

(b) nasic nank Account (Unique Account)

23 Service Charges on Dormant Accounts (All types of accounts including Local and FCY)

24 Account maintenance charges on all Foreign Currency Accounts (New FCA + Frozen) where balance of CD amp sn accouuts during the month falls below the slabs as mentioned hereundershy

a) New FCY Accounts

i) US$ 100shyii) GBP 100 shyiii) EUR 100 shy

IJ) Frozen FCY Accounts

i) US$ 50shyii) GBP 50shyiii) EUR 50shy

i) Inward Rs 400- per cheque from issuer

ii) Outward Rs 50- per cheque or available balance below Rs50- (FED is applicable in provinces of Punjab Sindh amp KPK only)

LCY Rs200- or whatever minimum balance available in Ac No service charges if closed by the Bank Free for regular Saving Accounts FCY US $ J0- or equivalent to other currencies No service charges if closed by the Bank

Rs 425- (flat)

Rs 301- flat per credit (Except defense amp Govt Employees) or as approved by the Area Manager Regional General Manager

Nil

i) Rs 110- for record upto one year ii) Rs 550- (flat) for record over one year

At actual (Rs35-) per report

At actual

Rs3001shy

Rs750- from non-Askari Bank (Walk-in-Customers)

Rs3201shy

Rs375-

Rs 215- per execution will be recovered in addition to the usual charges

Rs 301- per month

No minimum balance limit (No Service charges on PLS Saving Accounts in any manner whatsoever)

No minimum balance limit (No Service charges)

NIL

i) US$ 1- per month ii) GBP 1- per month

iii) EUR 1- per month



Above charges are not applicable on active salary accounts

13

Askarj Bank Limited Schedule ofBank Charges (Exclusive of FED Sales Taxi effective Julv 01 2014

NIL CHARGES

(Other than Import Export Local LC amp Guarantee Business) From customers maintaining average deposit of Rs IM in non-interestl non-profit bearing accounts for the last 6 months or Rs5M in interestlproflt bearing accounts except out of pocket expenses and correspondent bank charges

Staff On all banking transactions commissioncharges including cheque books within reasonable amount with the approval of Branch Manager In case of availing Locker facility 50 of the rent amount with no key deposit

N SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSIT

I Sale and purchase of shares i) 037 on the first Rs1 0000- of purchase price or cost thereof Minimum Rs 45shy

ii) 032 on amount exceeding Rs1 0000-

a The above charge is in addition to brokerage

b Commission will not be recovered on purchase of newly floated securities where it is payable by the GovernmentlGovernment Agencies and from the subscribers to new share tloatation

c When orders for purchase or sa le of sharessecurities are executed through the banks other off1ces all incidental expenscs such as postage insurance charges etc incurred will be recovered in addition to the commission brokerage dwrges

2 Withdrawal fee on shares and securities held in safe custody 065 on the flrst RsIOOOO- of the paid up or face value (to be recovered at the time of withdrawal) minimum Rs13- 0160 on amount exceeding Rs1 0000-

3 Withdrawal fee on Government Securities where share andlor Rs 101- per scrip securities sold are from those held in safe custody either commission on sa le of share and securities as shown against item (i) or withdrawal fees as shown aga inst item (ii) and (iii) whichever is higher will bc charged but not both

4 Charges for collection of interestl return and dividend 037 on the amount of interestlreturndividendlcollected minimum Rs 13shy

5 Handling charges lu I conversion renewal consolidation for i) Minimum Rs 75 per scrip subdivision of Government Securities

ii) Rs 501- flat in case of Deposit Certificates issued by Government Agencies

6 Investor Portfolio Securities Account (IPS)

a) IPS Account Opening Charges Rs 50001- (Negotiable)

b) IPS TransactiOI Charges (Settlement Charges) Rs 12001- per transaction (Negotiable)

b) IPS AccOllnt l laintenlncc Charges Rs 1500- per month (Negotiable)

c) Claim or Pill Coupon tiom SBP 001 of Face Value Maximum Rs 10000- (Negotiable)

d) Claim oj lllatulity or Securities (PIBTBills) from SBP OOIofFace Value Maximum Rs 100001- (Negotiable)

7 Settlement of 3~ pHr fnnd tnlllsfer through PRISM

14

Askari Bank Lillited Schedule ofBank Charges (Exclusive of FED Sales Taxi effective July 0 I 2014 _- - ------- - r-middotmiddotmiddotmiddot

Settlement Till1ins for Customer Tmiddotansfers (MTI02) I (Lower value limit for each credit transfer is RsJOOOOOI- max 10

[~f~yeni~~ ~ ~~t-r~~~i f ~~~~~~_~~middot__~~~~~~~j~~=~~~~~~~~~~ middot middotmiddot_ I Note Chalmiddotges al serial II a 10 d may be waived 1reduced by the Global Treasurer

P PostalTclcgramTelephoneSWIFTlTeleXfax amp Courier Charges (Domiddotmestic) 1 Correspoil lic ili C ha r~cs Actual

2 Courier Service Rs 150- Flat

3 SWlfTJckxCahk Charcs

a Long message (eg full text LlC etc) Rs 4251- Flat

b Short message (e g LlC amendment etc) Rs 2251- Flat

c SWI FTfrclcxlte krrn l charges or mcss]ge for TT Rs I10t- Flat

Actual plus Rs 135- service charges

5 Postages Rs 150 Flat

15

Alwri Rallk Limited Scltedllle ofRanl( Clllfrres (1IIclllsivpound o(FED) eliClil1 IflllllflfT 01 lOU

Table of Contents

TRADE FINANCE Page

A Imports I Letters of Credit 2 Bills amp2

B Exports I Letters of Credit 2 2 Bills j

3 Others 3 C Domestic nanking

1 Inland Letters of Credit 3 2 Bills 3 3 G ua ra n tees 4

GENERAL BANKING (Foreign) 4A Rem i tta nces

B Clearing Through NIFT 5 C Collection through Correspondent 5 D Foreign Bills Purchased i E PostalTelegram etc 5


B Bills Rcmiuances

C Safe Deposit Lockers D Utility Bills

L A Iternate Delivery Chan nels I Visa Debit Carel 7 2 A TM Services 7 3 I-Net Banking 7

F Consumer nanking Services

I Personal Finance 7 2 Smart Cash 8 3 Mortgage Finance 8 4 Business Finance 8 S Auto Finallce g

G Certificate oflnvestmenL l)

H Askari Master Carel 9 r i3ranchless Banking 10 amp 1I J Corporate amp Commercial Leasing II K Agricultural amp Rural BankingServices II L Advatlces 12 amp IJ M Miscellaneous charges 14

NIL Charges 14 N Sale and Purchase of Securities Safe CustoclyArticles in Safe Deposit 14amp15 O PostalTelegram etc (Domestic) 15


A IMPORTS



H

II

(

d





I)






r A l11elldmcnls


2) III LLS

iI

h




TRADE FINANCE




030 020 1( 2111111shy



















c i) Col leclion





13 EXPORTS

J) Letter of Credit

n Advising



d Co nlinnllion



L














Rs 800- (Fla t)


Rs 750- (Flat )











Rs 1500-

Rs 550-

Rs 10001- per 101111

2


2) BILLS



l1 (olkrtion

i) Cicilll


3) OTHERS

I)

il)

c)

d)

e)

I)

g)







on Exporl

C DOMESTIC BANKING


l) Iss ulncc


c) Negotiation

d)

c)

I)

i) Sight

ii) Usance






i)

Rs I()()Oshy









Rs 600shy per case











3

iii


















Note



A REMITTANCES










4












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































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-----------



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i) Upto gS5M





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Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15


A IMPORTS



H

II

(

d





I)






r A l11elldmcnls


2) III LLS

iI

h




TRADE FINANCE




030 020 1( 2111111shy



















c i) Col leclion





13 EXPORTS

J) Letter of Credit

n Advising



d Co nlinnllion



L














Rs 800- (Fla t)


Rs 750- (Flat )











Rs 1500-

Rs 550-

Rs 10001- per 101111

2


2) BILLS



l1 (olkrtion

i) Cicilll


3) OTHERS

I)

il)

c)

d)

e)

I)

g)







on Exporl

C DOMESTIC BANKING


l) Iss ulncc


c) Negotiation

d)

c)

I)

i) Sight

ii) Usance






i)

Rs I()()Oshy









Rs 600shy per case











3

iii


















Note



A REMITTANCES










4












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15




c i) Col leclion





13 EXPORTS

J) Letter of Credit

n Advising



d Co nlinnllion



L














Rs 800- (Fla t)


Rs 750- (Flat )











Rs 1500-

Rs 550-

Rs 10001- per 101111

2


2) BILLS



l1 (olkrtion

i) Cicilll


3) OTHERS

I)

il)

c)

d)

e)

I)

g)







on Exporl

C DOMESTIC BANKING


l) Iss ulncc


c) Negotiation

d)

c)

I)

i) Sight

ii) Usance






i)

Rs I()()Oshy









Rs 600shy per case











3

iii


















Note



A REMITTANCES










4












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15


2) BILLS



l1 (olkrtion

i) Cicilll


3) OTHERS

I)

il)

c)

d)

e)

I)

g)







on Exporl

C DOMESTIC BANKING


l) Iss ulncc


c) Negotiation

d)

c)

I)

i) Sight

ii) Usance






i)

Rs I()()Oshy









Rs 600shy per case











3

iii


















Note



A REMITTANCES










4












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































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-----------



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l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15

iii


















Note



A REMITTANCES










4












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































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l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15












2 l)oSlge Rs 320shy


















II Pay Order





5







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

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l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15







IV



e) Deposil


Rs 100- ( 1111)

Ooson (Flal)

RS IOOshy (Flat)




OCfice











as Olle city)














6










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


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l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15










2 ATiVI Services






Free Free











charges a[ aClual)



7






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15






Rs 5000




~ Mortgage Finance
















highcr



( il lnges















8




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


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l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15




Cla ss ic (ard

1 Gold Card

1 iblilllllll C1Il1








12

13




15

I()

17

18

I ()






20

21

22


V ouc hcr RClncli1








25 Fo re x M arkup





ii) No Al1l1ul1 Fcc







No A111111 d 1 (




















3 70 pl l nlo l11h



Rs 1001Jl- (F lal)

NIL

Rs 431 shy

2 00 flU 1110llih


higher






200 per 1110 lllh



Rs 50i- per 1110 11111

N il







2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15






2 131 11 11 ) 111(111 Free


~ (1lIe PI ) Frec

~ ( hIJlge PIN Free







I I C h illlrllI








































10

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15

































I 1

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15

-----------



i) Upto Rs 25 11


i) Upto gS5M





l-ullllcdJlOJlshy


















Grollp Head)


rCIIIiI

AClual




AClual

ACluat












12















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15















21 SMS charges





a) New FCY Accounts







Rs 425- (flat)


Nil



At actual

Rs3001shy


Rs3201shy

Rs375-


Rs 301- per month



NIL






13


NIL CHARGES





















14












15


NIL CHARGES





















14












15












15

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