r--

I,'I
I

Sch e d ul ~e

of

ank Charges

(Exc lusive of FED I Sa les 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
ba n ki ng services (excluding markup mentioned in the Schedule of
Bank Charges) at rates as applicable in the respective provinces

ARI B

K LIMITED

Head Office: AWT Plaza , PO. Bo x No 1084 , Rawalpindi - Pakistan

Tel : PABX: 051-9063000, 9272150 , Fax: 051-9272455,
SWIFT: ASCMPKKA

A.\lwri Rallk Limited

Scltedllle ofRanl( Clllfrr;es (1IIclllsiv' o(FED) e/li'Clil'1' .IflllllflfT 01. lOU

Table of Contents

TRADE FINANCE
A.

Imports
I. Letters of Credit
2.

B.

Bills

&2

Exports

Letters of Credit
Bills
3. Others
'C

Page #

I.

2.

.j

Domestic nanking

1. Inland Letters of Credit

Bills
:3. G ua ra n tees
2.

GENERAL BANKING (Foreign)

A.
B.

C.
D.
E.

Rem itta nces

Clearing Through NIFT
Collection through Correspondent
Foreign Bills Purchased
Postal/Telegram etc.

.'i

. GENERAL BANKING (Domestic)

C.
D

Rcmiuances

Bills

Safe Deposit Lockers

Utility Bills

L.

A Iternate Delivery Chan nels

/\.

Visa Debit Carel

ATM Services
3. I-Net Banking
I.
2.

F.

Consumer nanking Services

I. Personal Finance

Smart Cash
3. Mortgage Finance
4. Business Finance
S. Auto Finallce
Certificate oflnvestmenL
Askari Master Carel
i3ranchless Banking
Corporate & Commercial Leasing
Agricultural & Rural BankingServices
2.

G.
H.

r.
.J.
K.
L.
M.

Advatlces

Miscellaneous charges
NIL Charges

N.
O.

Sale and Purchase of Securities, Safe CustoclyArticles in Safe Deposit

Postal/Telegram etc. (Domestic)

l)

10 & 1I

II

II

12 & IJ
14

14

14&15
15

Schedule ()[Bllllk CllUrr:es (Exclusive o[FED I Sales Tax) effective .II/I" 0/.20/4

Askllri Balll( Lill/ited

TRADE FINANCE
A.

IMPORTS

I)

LETTERS OF CREDIT
First Qllartrr or

rash Ll'ttt'rs of Credit

1''11'1 IlInl'of"

Each SlIbsrqlll'lIt
Qllarter or 11'11'1 TIIl'H'Or

J\'[ ill illllllll

H.

i)

lJ' s urlO Rs . 30 :vi

ii)

LCs "hove l( s.30M

I Ii)

I (' , ah",

iv)

LCs in excess or Rs, I OOiVI / 8 aseJ 011

volume during a year/currency of
limir(s) and arrangClnenl ",illt
c uslonler/gro up Inc luding ~lillcd
:lceo unIS.

l'

UPIO

[(s.SOM

1(,.5(1\'1 UplO RS. I I)() ivl

IIAO%

O.JOlju

R.'

0.30%

0.20%

1(, 2,111111/

O.20%l

O.I S;',

Rs. 2,OIJO/-

.: ~ It 10

Comlllission subJeel to negot ialio n and appro va l 11'0111 lite conc ern ed GH.
Note: Nil cil>lrgt's iflltc LCs <IIC opcned agains l 100'Yo, caslt margin (Depos i l
und er lien will not be co nsiJered )

II ,

Rc va lidalion Commission

011 expiry of LCs w hell lhc sall1c is relalidalClI. Il'I'illid~lioll cO ll1lll is,io ll \\'ill h l '
rccovercd as arplle abl c for subsequelll qUMlcrs ill casc 01' Opl'IHllg or rresh LCs
as above.

("

Transfer Conll11i ss ion

Wlten LC is Imnsrerred 10 new bendici:IIY, Iran sfe rcomlllis sionlVill he cltarged

as appl icab le ill case of opellillg I'Il'sh LC :IS ahol C'.

d,

I)

LCs under suppliers! bu ycrs c redil

pa y
yo u carn sc il emc allei
dcf<: rrcei payment L Cs for period
ovcr one yea r uplO USS I OM or
cquivalelll

0.45% per quarlcr or pari Ihereof al Ihe limc of opening or LC IS 10 be chargc'd

011 full <I111ounl 01' L C li:lbilil y plu s inter,;s l p:l yable Illercon ['01' Ihe: pCllod I'ru nl
Ih e date or opening of LC lill Ihe cxp lry or LC. Th c r~<llkr comillission IS 10 Ill'
rccovcred on (l l11onll1ly ba sis on reeiuclng liabilli Y lill paynlelli 01' Ihe I:bl an ti
final illstallmcnl.

il )

LCs under supp liers/ bu ye rs credil

pa y as you ea rn scheme and
dererred paymellt LC ror over Olle
year and for amounts in excess or
10M or equivalenl

uss

0.40 % per qU~r\er or pari Ihereof for Ihe first quarler and 0,22% for e"ch
subsequent quarler 10 be ehargcd on full amount of LC liabilil y plus inleresr
payable Ihereon for th e period rrom Ih e dale 0(" openlllg 0(" LC lill Ihl' l'X[.llry oi'
L C Thereafter comlnission is to be recove red on 6 1ll01llhly basis on rcd ucing
liability lill pa Ylllcll 1of Ihe lasl and final installmCll1.

Non-Reimbursable L Cs L1llder
8ancrl A idl Loan s.

1% per quarter or pari Ihcreof. 0.40% for each subsequcnl quancr or pan
Ihereoi: Minilllunl Rs . 375/-.

a,

iii)

r,

f.

A l11elldmcnl s.

Rs . 1,000/ per amenument (nal) or Conlmission under il ems a or d abovc if

al11endmenl involv es increase in aillouni orexlcnsion in period ofshipnlCnl.
Rcgi slrallon of' cOlliraCI 0.1 ()% (nalj nllninlln11 Rs, I ,()()O!
(OR su bjec i 10 negolialion and approval fi'O ll1 Ihe eoneemed Group
Head)

Illljlorlnndcr Rq'istratioll of Contract

ii)

2)

III LLS

iI.

Ii'hill s (Ire 10 Ix J"llVn IIl1lkr IJ san cc

I_C

Co ll cc lion eonll11i ssion al lhc lilllc or l';)I'n1l' nl ol'hill R, 'Oi l ' I lTn l

Rs . 650/ per bill (nat) 10 be c harged al the til11c of rCllrcnlelli of bdls . EX lr"
CO lllml ssion qll 0,15% is 10 be recovered/chargcd 011 1I1011lhly basis for Ihe
usance import bills for any period beyond validity of LC Howcvc r, no
conll11is sio n to bl: charged i r th e malurity/ paYlllclll pcriod of the bi II r:tlls wilhin
the period for which cOlllmission has already been recovered .
Acceplance eOlllll1ission for amounl in exccss of USS 10M or eq ulvaienl,

O.OS"!., per l11onth,

h,

Purc hasc OCOWIl Acccplanccs (OAP)

Mark-up @ Rs.O.55 / Rs, I ,000/- on daily produci basis 011 Ihe hill amOunl shall
be charged alongw ith penal commission @ 0,]2'% ( nal) or as appro v~d by Ihe
Creeiil Divi sion.

Aslall'i na/llc Limiled

Schedule orBI//I/! Cill/rees (Excll/sive orfED / SI/Ies Tax) drl'cliv" .I11/r 01, ]01-1

~Vbrk-ujl in c ~ s e of IlllPOr1 hills under

il11port foreignl inlanu LCs Cor clearance of
goods

@ Rs , O,SOlRs 1,0001- daily prod uct on th e bill ~lllOlllll sllall he

charged (frOI11 tile date of negotiation aplJCJri11g 0 11 cOI 'Crillg schedille I aillc'

M~rk-lip

date, wherever applicable , till the pa yme llt of bll y back price OR Cro l11 the (bt(:
o f 10c\gl11 cntirelllitl<ince by th e branch till th e payment of bu y hack Imcc In ca sc'
amount is no t direc tl y claimed from thc relmiJlIrsin g bank ),
Howl'vcr, the proportionHtr bonlls (rebate) shall hr given on carl" p""lllcnt
of the hill as 1I1Hlcr'
II' th e bill IS paid (retired) IVlIllIn I S da ys , a rebatc or I ~s,(), 12, I~ s, I ,0(11) ,
on daily produ ct basis sh"III)( allowed on the abo ve ratc.

i)

ii) If th e bill is paid wi thin 16-35 da ys, rehate lInder it em (i) ahove w ill not
be allo wed and a l eba te of RsO,02/ - pcr Rs , I ,000/- pel dav sh;r11 he
all oll'e d (1 01 the cntin: pel iod) and 1\ 1;lll-lip or R s ,ll.~ b, I ,()II(), - on d,H"
prouuct has is shall he ch;llged fioln th e date of ncgo tl atl on
iii) If the hill is paid (rctlred ) "ftcr 35th da y, 110 reb ~l rc II ill be ,lllo\\ed as
RS,050IR s, I ,I)()()i
appli cab le unu cr (i) & (ii) an d mark -up 31 the rat e
on dail y product ha s is 5h,IIII)( r hargni from th c d"te ofncgolialion ,

or

II') M <lll-lip <II abole r,lIe sha ll he chal gc ci ('ro II I Ihe dell e' of ncg()tICllllJll 1111
deposi l of 100% cashl11argin or relireln cnt ofl1ill (whichever is carlier),
Note:

d,

Di sc r~pa nl

Documcnts

recei ved

und er

InlpOr1 LC.

c,

i)

Rs . 800/- (Fla t) .
Rs, 800 from th e Importer or US$ 751- (or equivalent) reco ve rabl e from th e
forwarding bank,

i i,) It ellls retllrned unpaid ,

f.

i) Rs, 600/- per disc repancy pCI' document If elwrges are on Applica nt'S acco unt.
ii) USS 50/- per doc umcnt if ehargcs are on ben c li ci'lI,)' s ,KcnUllI ;lI1d to he
recove red from negotialing hank ,

Col leclion,

iii. ) Handling
charges
on
denomin,lIed illlPOrt bill

I{ upees

Sen' icc charges ag;l in sr inlport trans,lCtlonS

I.C, Import 131I1s/PAD/Co lI l'ct ioll ,

Rs 750/- (Flat ).
i) 0, 15'1., nat - Mininllln) Rs . 1,500/
(O R SlIhject
ii)

g,

Remill311ce on aeco llnt or Imporl lV ithout

opening of L C or co ntraci re gislered as
speCified In the illlporl Poli cy.

13.

EXPORTS

J)

Letter of Credit

For special anangeillenls; Ma rk-up as approved by rll c lieeld Officc' ,

10

negoliati on and approval frOIl) Ihe cO llcern cd GrOllI' Hcad )

N il if th e '-,C is backed by IOO'X, cas h margin,

Rs, 75(J/- (Flal) plus SW IFT/Telex clwrges ifrclJuirt:d.

n,

Advi sin g

Rs, 1,5 001- for cllstomers,

\),

A mendmcnt Advising

Rs, 1,0001- for CUSIOlllerS ,

Ncgo liali on or Rupee 13ills IInder

export Leners of C red il

0,30ft, nat Millillllllli Rs, 600/- (O R sUhj ec tto nego tiation and appro val from

Co nlinn;llion

Suhjcct to Arrangement I as decided by Intcrn,lIi onal Division

Rs, 2,000/- for non-cu stomers

Rs, 1,200!- for non-c ust omers

d,

c, TrallSrn of EXJlo ri LCs

the concerned GrOllp Head)

Rs. 1,500!-

Rcilllhurs elllcni payment to othcr

nOll
loca l
banks
frclill
Re sid enl Rup ee a:counr

Rs, 550/-

g,

Vcrillclrion o f "EE" Statenlcnt

Rs, 1,0001- per 1'01'111

/ /skllri Nallk LiJllileil

SCher/ull' orB(ful, Cilllr(!l'S (Exclusive or FED / S(fles T(fx) e(keril'e .lull' fli. 2111-1

BILLS

2)
<II

If Ih ~ dOClllllc'lliS :Irc se lll to oliler hallks I'o r

IIl'golia li lln ulld er IC 5Irlclcd LCs

Rs. I,()()O!

hi

Se n ICC Charges :Igaillsi expofl dOClllllClltS

0.13'!!0, lVIillilllull1 Rs. 1,0001 (OR subjec t to neg oliatioll anel apploval Crolll
Ihe cO llcerncd G roup Head)

SC IlI 0 11 col kc li oll basi s w hcre IlaYlllcn l co ver

IS
:i1rc<ldy rccei 'c d III bank's Nos lro
.-\CC tllllli Si Adn llcc P:I ), lllClli.

l'1

(olkrtion
i)
il)

Cicilll

Rs.200/- (Excludillg poslage)

Docn illellt (on w hich hallk docs nOI

Rs .5 00/- ( Exc luding pO Slage)

cam allY exc hange illco llle)

3)

OTHERS

:I)

H:llldlill g of DUl Y Ora\\' Clac k Clainls

(C'.! 0.'15'1., per cla il1l. .. M ill. Rs. 600/

il)

Frei ghl Silbsidy C la illl

(tl;: O.45'!!u per clailll .. . Mill. Rs. 7501

c)

Processing charges for " Ci % Res ea rch &

Developlllcllt Suppon " ca scs

@ 0045% per claim .... Mill. Rs . 1000/-

d)

IsslIa ncc of EPRC (Ex pon

Re':lli/Jlioll Cc ni ric:l tc)

Rs. JOO/- per ccn i ri ca te

e)

Halldlillg Chilrges for Ex pon Relill<lllee

Ap pll eati oll s

Rs.

600/ pcr applical ioll

I)

I-Llndlrng 0 1 Substitution Cases of Ex port

Rdinan ce
Exporl
ProeesS lng
Charges
on
OCI elopnlcnl SUlc har gc

Rs.

600/ per ca se

Rs

1001 per ex port Cl ill

g)

Proceeds

C.

DOMESTIC BANKING

I.

Inland Letters of Credit

Iss u:lncc.

:l)

A lllellli nlell1 S

h)

i)

0. 45% pcr quarl <: r or parltilcrcof. . .. Mill . Rs. 15() ()/

ii)

For annllal VO IUl11C of Rs .5()IV1 / Puhlie Sector Orgnni 7. ationl Goverlllllellt l

Semi-Govcrnment Spon so red Bodies. cO lllmi ss ion subject to negoliation
and approval from the co ncern ed Group Heaei/RGrvls.

Rs . 1.0001 per am endlllcnt (FIJI) or eomllli ssion under ilel11 I (a) ailolc if
anlenclmi:ntln vo lvc s increas e in amount or ex tens ion In pcriod of slripl11eIJl .

Negotiation

c)

i)

Sight.

004 0% Fl al ... Minillltlnl Rs . 800/

ii)

Usance

OA5/., Flat ... Minimunl Rs. 800/

(OR subJcc t 10 negotiation and app ro va l from tlrc concerned Group Head)

d)

I fb ills are drawn at 1Jsance

under Inland LC

Rs . 650/ per bill (flat) to be charged at the tinl c of retirement of bi lls. Ex tra
Conl llli ss ion at 0. 145'% per monlh is 10 be rcco ve red /e harged lo r th e' US:IIlCC hi lls
for any period beyond va liclit y of LC lill date of maturit y/paYlllent. Howeve r. IlO
commi ss ion to bc ch argedlf the maturil y/pa y mcnt pe riod of th c bill rails lIithill
tbe period for which eOlllm issi on has alrcad y bccn recove rcd

c)

Purcha se o j' Usance Clill s.

C harges as per ilem 2 (a) and pOlnt(lv) oi" thc notes heloll.

A dvi si ng.

AS applieablc in case of Export Lelt els ofOe dit.

I)

AI11 endl11cllt ,

and C Oll!irlllalioll cha rges

of (i nward) inl and L cltcl,

oj' C rclilt

2.

BILLS

a)

Docum enta ry Co llecllon s.

004 0% .. . Minillluill Rs. 50 0/

(OR suhJect to ne go tiali on and appro va l frol 11 the co ncerncd Group Hea d)

. l sl.uri /JIIIII, '-iII/if n i

Sch"r/III" o(filll/i. CI/{/rl!es (L\"clll.li l'e o(FU) / SIII('.\ 1'11.1') elf('oil'' ./1Ii)' III, 211f.1

DOC lllll clli ary 13 ill s olher th;11I tilos c

drJ w lI agaill st Lcll ers or C redit & Cl ca n
11t1l s!T rad c Chcqu es.

h)

IU5 'X, Illill . Rs. :iO Ol pi lls Illark- Ilp.' rctllrll rl Olll th e d:ll c o r l' llr[' h,ls,'
the date proc eed s reccived .

,, 11"

Noles:
i)

]_

Coll ecti ng " gellt's charges , ir the coll ec till g agc llt is other th an th e hall k. w ill be cx tra.

il)

C harges or Rs. 13 51- ror doc II IIlelll<l ry eolkcti oll ill ca se the ill Stllllll CllI is returncd Ililpaid .

iii )

Tel egr"llI/ir llnk c,, 11 ch"rges w ill be extra i r rate or II1strulll ent is obtai li ed by telegraill/ teleph olle.

i v)

M ark-lip shall be appli ed 0 11 bills purchased/ll ego tiated as appro ved .

v)

Storage chargcs Rs. 135 /- ( fbt) rer r acket per day . N o chil rgc i r clea red withill

I i)

O lher charges as per 1I 0 tes (i ) to ( iii ) & (v) allove w ill be extra.

3 da ys o r it s rec eipt by the brallch .

GlJARAl'\TEES:
(tl~ t)

iii

Cliaralltl'I'S iSSIJ(' d to s hippillg cOlllpallies

in lieu or bill s o r lilding Idelivcry ordcls

<l g ~ill s l A \OVI3 wh ere ori ginal ciOC Ull11!11IS

have not bc en received.

Rs. 1.5001-

b)

Other Guarantees

O,.:l S"j,) per lJuarter or rar! tli creo f. . . M inil1'lull1 Rs. 1,0001- (pcrll<ln S:lC lioll )

c)

Puhli c sec tor eorp orati onl goverlllllcnt l

5enll ~!OI el'l1ll1CI1I spon so red
hodies

O. I S% per llu;lner or pa rt th ereof.

eI)

G ua ra nt ees ag~ in s l I OO'Y., Ci sil Margin

(Depos il IInd cr li en w ill nOI be co nsid ered)

N IL cha rg es .

c)

A Il1clldlllCnl C har ge s

Rs . () 50 /- Flar in

Handlillg o f claim s Iinder guarant ees .

Rs. 2.S 00/- Fla t to be charged to th e appl icall \. ex cept l'or inl erim claim s
rec eived rrom Cusl om A utho riti es.

(ag<l inst 11 0'1.) ca sh margi n, or aga ill SI ;I vail ahle limil s) .

~d dition

10 ehargrs as :l hol'c .

COll1mi ss ion agai llst gll <lJ'il nl eeS Oil behal r o r co rres polld ellt ballk s subj ec t to ap proval rrom IN D alld cOlmni ssi on 0 11 gll <lrantcc s iss li ed
ulldcr sy ndicat ed arrang ell1 cllt s. sllbj ec t 10 ncgotiatl oll and approval rrom the COllce J'l1 ed Grollp He" d.
Note:

A ll gu arantees iss ll ed by banks will co nta i n specific am ollnt. exp iry date and date b y whi ch th e claims

~ rc

10 be lodge d.

Note:
HlJS INf:SS COMMITMf:NT &
COM P[NSATORY
COI'II'IISSIOi"

Bu siness commitm ent to be obtained frolll th e elienl alon gw ith all und crtakin g IO lhe el'i'cci Illal
th ey will pay cOlnmi ssionllpto 1% to th e eXlent or shortrall in Iheir hll siness eo nlinillllClll

GENERAL BANKING (Foreign)

A. REMITTANCES
O Ulward.

i) FDD USS 20/- plus co st o r SW IFT C harges @ USS 5/- per mes sage or equi vill cnl
PK R O. J% w ill also be arrlica ble i r th e amount is 11 01 retain ed in Ihe aCCO llnl l'o r 15
dilYs
i i) FTT US S 201- plu s SW I FT ch arges (r(' USS 13/- PCI IlIcs sagc
Ni l il'p roeccd s arc u cdi lcd 10 an aceO llnl w ilh
or equ ivalent

i)

ii)

Home remitt ance s

li S,

o tllcr ll isc 'I il al ch'lI g,' ol' t;SS 5

Ni l charges (cx clu dillg COS I orl11 oney order or Ic lcg l,lllI charges wlle ll I
rcC] uesled) .

c.

Can ce llalioll or dcl11:md draft

USS 101- plu s sW lF'r ch arges @ USS 51- or eL)ui v,li elll

d.

Iss u" lIce of dllpli cate del11"llei

drarls (in liell of lost)

USS 10/- plus S\VIFTc harge s ({I ' USS :i/- or equ ililic il l

e.

Foreign exc hange pennit s 0 11

hell" lr of "CCO lilit holders

Rs. 1,07 51- per perillit.

R(.'gl slr~ ll io ll o r stlld e llt cases

USS 70i- per els e 8: Ik llc\\, ;11 ree USS 50 or cquII',liell!

Cash deposil ill Fey A cco unt

N il Charges

r.

I,

Schedule o(BItI/Ii Chan:es (Exclusive o(FED / Sales Tax) ef(ective .III'" (J I, 2(J14

Aslwri /Jltllk l.illli/elf

B. CLEARING THROUGH NlFT

I,O(';lII 'SS CheqllC's:

I)
i ii)

U II I" ;Jrd Clc"nllg (1':lid)

O lll \\":nd Clearillg (RCIIIlllS)

111 " ',,,(\ ('Icanllg (I'aid)

i v)

In ward C learing ( Rei urns)

II)

USS
USS
USS
USS

)0/- pcr ilClll + poslage

15i - Jler ilelll

POSI:lgc

-I

3.5/- p er ilem

101- per ilem

C. Collection til rough Correspondent

i)

Co lleetioll or' FCY CheCllles

Ihrough CO ITeSpol1cient Bank

USS 13/- per CllCClllC pills Corresponcient Bank 's chmges

~t <lctll:1i_

D. FOREIGN BILLS PURCHASED

i)

USS

T.Cs (C\CCPI ,\ llleri ca ll Ex press)

O.75'!!', nlill.

ii )

"\Va lk - Ill" C USlo mc rs (n,cp t '\1I1C \ TCs)

O.SO"'" mill USS

ill)

Chequcs. dran s, IMO elC, purchased for eredillo F,e. aeCOUlli

USS 25/- plus 3,tU:11 co uri er c harges (correSpOlllicl1i 11:1111;

charges will be extra, ifany)

E.

7.51- or cquivalcllllll Pak Rllpecs

I~ /- urcqlll\:ilclll ill!'.!!; 1~III)C'CS

PostaliTelegram/Telephone/SWlFT/Telex/fax & Courier Charges.

I, Correspondelll Charges.

Actual

2.

l)oS\;.lge

Rs. 320/

J,

Couricr Se r vice

Rs. I ,S OO/- Flal

,1.

"WIFT,Telcx :Cdlle Charges

.1.
Fllille x i Lie el c.
h
SI1011 IIlc ss agc" (eg LIe. amc ndmellt. etc )
O lh er ShOll 11lcssagcs.

Rs . 1,700/- Flal
Rs h50/Flal
Rs. 6501-
Flal

:,\,

Te lcpho lle & Fax C harges.

RS(,50/-

Flat

6,

)'OIT lg ll l3ill s se nl for co l lec li o n relurned unpaid.

Rs, 55 0/-

Flal

GENERAL BANKING (Domestic)

REMITTANCES

1\,

Drafts and TTs

,,)

ISSU:lIlCe ol'Drarl s al1d Tfs "'ilhil1lhe

IIcl\\ork of Askari [3ul1k's [3ral1chcs

i)

uplt) Hs. 1,000,000 , H'. IO()j- lor accounl holders

0.20% Minimum Rs, t ,OOO/- for "o"-arr O,,"1 hohl,'I'.' .

ii) Over Rs. 1,000,000

N tL li,,- aceounl hotde".

(),~()O ~ ,

h) Iss uance of Demand Draft s drawn 011

olher bank s IInde r specia l arrallgel1lcl1lS

Rs. ~OO!- (fbi)

d)

Rs.600/- (Ilat)

heu or 10SI 1

1I01l- ;HTO llnl

holdeI"

i) O. I 2% or Minimum Rs. 20()/- lor "CCOIl11l holders.

ii) 0.20% or M III i Illulll Rs , 1,500/- for "o"-arro,,"1 hotd,'r,.

c) Cancellation or del11:lIlcl dian

issuance ofdupllcale demalldtil.al.ls (in

\1inimut1l It" I.~()()/- for

No poslage ch:lrgc s 011 DDs

As above or as Icvic'd

II

by our Co rre spon delll B:lnk. ", hi c he,,: r i s

Pay Order
al

IsslI:lncc 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.

I( s. 5() ( rI:1I ) lor :ICl'lllnlll,oldcrs

ii ) Abm'e Rs.1 vI.

Rs, 1,5001- lor nOll-accounl hol(krs I in rash.

h)

Callcell:ilioll Ot'P ~I\ ' O,elC' I

i)
ill

I(s. I Illl/- (11:,,) lor :ICCOIiIlI hnldCls

RS.30()1- (11:11) lo r 1l,)Il-:ICCOUnl holJcrs.

1 )[ ~i1cr.

AS/((II"/' /Iallk Lillli/i'd

e)

i)
ii)

or fF D I SII/C"

I~s .

500/- (11;11) Cor accouill holdcrs

I~s

SOO/- ( l1al) lor lloll-acco ullIiroldcrs

7//.\) cf/<'("/iI'" .Il1h () I , :(1/./

i) Ch;lrgcs 111:1)' Ill' rcducl'u or Ilailed by 13r<111CII i\t!all:lgcr, Arca 1\'IJ11Jgcr, l(eg I011al CL'l1cral IVlamgL'l JL'pClldlllg IIJl llll
h", IIICSS LOIISidcl;l1ioll eIC.
il ) Charges on Issuance of Pa y O rdcrs/DD/;lIl Y olher relalcd inslrull1enl s tor paYlllClll of fee/du cs in LII'Our oC Cdll Cl li on :11
In slilulion. HEOOo:ml charges nOI cxce cding 0.)'1., of Ihe Ice/ci ll cs or Rs 251- per in slrumenl wh ich"cr is ic's5 (Ref. 110
Circuldl" No. 1:)7') d:l1cll f\lIgUSI 1:;.2 1)0')).

:\ Olc: -

III,

SChedll/e o[flllul< Own;c'.' (Ere/I/sil'"

Issuancc oCduplicllc Pay Ordcr(in

licu oClo sl) .

Illter Branch Olllille WithclrilwalIDeposit

l~ s. 1

:1 )

"' ,llldr:i\\ "I uplo

11)

Wilhdra w al oler Rs. 1M

O.oson;., (Flal)

Rs. 100/- ( 11.11)

e)

Deposil

RS. IOO/ (Flat)

;'vl

fnter Brallch Online Transfers

IV,

a)

Inler-hr:lIlch Online Transfers

Rs. 501- (1101)

b)

Co ll ec tion Acco unt (colllpanies only)

op<:: lIcd wilh Ihc approv:11 of Head
OCfice .

f\S

No tc: -

B.

per approval by HO on case to case basis

i) No c harge on OiliinL' w ilhdra\\ al /depo sit/lransfers wi thin one cil y (R:lwa lpindi/lslalll'lhad is Irc: l1 ed ;IS olle CIII')
ii) ClI:lr~c , 111:1)' lie redll ce d or \\':ri ved hy 13r,lI lC h M'III:1gn/ ,\rC<1 ~'I :III; l gerl Region,li GCll cr:iI Ma luge r del,cml ill:': 11 )1" 11
busin ess cOll side ration cle.

BTLLS
Collectiolls
Clean (including Cheq ues)

1.

fntercity Collection of ChcCJues

through N 1FT

2.

No te s:

J)
b)

UplO Rs. 1.000.000

ii)

Ovcr Rs. 1,000.000

D.I :i'Y., ...... M inillllll1l I{c;. I\)()

0.080% Fbi

Rs. 200/- per ilelll

0.50'1u..... , Minililum Rs. 2001- (Plus

Purch~se of Bills, Cheques etc.

(Olhcr Chcques /Delll ,1Il11 in strulllClllS)

3.

i)

Ill~rk-up

as (JPprovcJ)

Colleclilig. :Jge nt' s ellurgcs, if til e eolleclillg :Jgellt IS otller tllan til e h:Jnk , w ill he exlr;J.
Ch;lrges of Rs. irS for

clc~1I

eolleeli oll ill case Ihe in stnlllleli l is retllf"ll ed 1III)I<lici .

c) Mark-li p shall he applied on hril s purch ased/negotial ed as approved.

d) Ni l charges

011

Pak Rupee Cheq ues forCiearili g Ihrough N IFT wilhill a cit )' (Rawa lpindi /lslalll<Jh :1(\ is In;<l lcd

as Olle city)

C.

SAFE DEPOSIT LOCKERS

FC L' I, 'r s,rll: deposil IOL'kc rs (10 h,' recove red ill advance or :1I Ille COlllnlcnCC lnCl1i o f the period .\'c:lrl yi h:rlf yC lrlv l)1I<1 rinil :1, lir e' l,I."

Ill" " he).

I)

;1)

Rs. 2,000/- p.a. or Nil on refundabl e key d epos il of Rs. 3().O ()() /

SllIall

ii)

M eJiul1i

Rs. 2.5001- p.u . or Nil

ii i )

Largl?

Rs. 4.0 00/- p.a. or Nil 011 rcfllllli ahl e kcy deposil of Rs. 50,000/

il')

EX ira Large XL (I

I)

[ xlra EXira Large XX UI6"x 31")

Rs 7,OO()/- 1'.:1. or N il Oil refulllLlhlc ke y dcposil or I{ , . S5,IJ\j(J

I<cl' Deposit.

Rs.5.000/- I,cr lo cker I'or those locke r hold er \\ "lro l)PI 10 p:ly ,\11IIU:" fcc' IIhk:lt!
orolle lilllc sce llrilY 11ellosit.

h)

()" x

Rs 6,000 1- p.n. or N il

16" )

rellilidabl e key deposit ofR s. 40,0(1)/

refulldable key deposi l of Rs . 60,000/

:IS

sCf"l'ire eh:lrges

I{ s. ISI)!- per Illonth or P,lri th erco f, llla Xillllllli onc y~ar annual rC111.

L.al c pavnlCll\ eh;rrgcs

NOle:

D.

011

AI aClllal pill S I ~s. 2.0()()j-

L)

d)

011

Nell" :111101111\ ofI<cy Derosil is <l1)plic ahle on ly 10 Lockers lice ll scd frOIll I " Jul y 20 14 onw ard s.

UTlLlTY BILLS

(PTCL, WAPDA, SNGPL)

(1'0 1' detail s 1-l1 c;ISC I'ern In Sl f"lI(,lion Circul<lr No 111 5 ,md I S27)
J.

Se rvice Charges

Rs.8/- per bill (p:l y:Jbl e by ulilily cOlilpani es)

h.

Chequc collc clionirc lllrIl charges

N IL

/lslwl'i IJollk Lilllited

ScllNllIll' or811111, Oll/n!l'S (E.l'clllsil'l'fJ(FT:OISIII{'s Till') ('lIi'oil"'.!,,I), III, lllU

ALTERNATE DELIVERY CHANNELS

E.

Visa Debit Card

(Basic & SlIpplplIlenlary)

ISSII:lI]('e Fcc
i)
Classic
ii) Gold

;1.

h,

AnJl"al/l~enew:lI

i)
Ii)
('.

Rs. 5001
Rs. 7501
fcc

Classic
Cold

Rs. 430/R, 750/

Rcplnccmpnl
i)
( 'la SS IC
ii) Gll ld

d.

d,

Rs. 50()J
Rs . 7501

ROC/ Vou('her I~elril~\'al Charges

i)

LUCid

ii )

II1Iel'll ;IIIOJl;r1

Rs. 511/
R;; I ()()j

eh:r rgdJ;r d; P roc l'ss i ng F cl'

i)
L oca l
ii) In[ CII1;llional

Rs. 1(10/
Rs. I SO I

ATiVI Services

a.

Se rvice Ch<lrgcs on 1\ T;'vl/Debil Card

on Id r' ),c;lrly ha sis

b,

Cash \\ 'ilhdrawnl Fl'C

i)
r- rOI1l Ask:lri [3ank' s 1\ T;'v!
Ii ) 1=1'0 111 Illlicpcllci cnl Servic e Prol 'ldel's ATM
iii ) From I-Link lvicnlhcr l3<1nk 's ATlvi
IV) Fronl MNel ;\ TM
1') Il1IclIli.lliollal ATM

Rs .2 I S/

Free
Rs.1 5/ - per lransa clion
Rs.IS /- [lcr lr,1I1S;lclion
RS . I S/- per lran saclion
Rs.300/ per Iransilclion
(whi cheve r is hi g her)

Balan('(' rn<juil',Y Fee

i)
1'1'0111 Asbri [3ank' s f\ TM
Ii) Fr0l1 1 I-Lillk Memher 13<1nk ATM

nr

2.5'1., 01' IranS;l( liOII

;1I1HlIlil

Free
Free

Charges (cxclllcJin g 2-b & 2-c) l1lay be reduced / waived by [3ranch Managers/Arca Managers/Regioml Gencral i\ 1:1I1,,!,:c:r,
LiCpt'IILiiI1g upon il ll si nC'ss COIISiLicl;lli ons ell'.

NOll':

Fund Tr;JlI ~ fcr Throngh ATiVJ / I-Nct B:lJlking/

"

IVR-C:l11 Center
J.

In[er Br;lnch Fun t! Transfer

r'ree for all Accou nl Holders.

i)
ii)

F.

Free Cor Currenl Accounl Holdels

Rs. 1001- pCI' IrJnsfer for inier es l
hearing f\ccounl Holdcls.

CONSUMER BANKrNG SERV[CES

I, Perso Ilal Fi II a n ce

Cle~n

1.00% of loall amoun[ OR Rs. 2500/- \\hlche\(: r is

higher (illcluding legal & documentation charges)
i i) Sec ured - 1.30% of loa n amounl
nlJx. IIplO Rs. 6000 /
(Legal & clocul1lell[a[ion charges al aCluJI )
i)

,1

Proce ss in g fee for civilians

h.

Processing fee lo r i\rnlcd Forc es j.Jersonnel

C.

Lilt c P;l YIllCJlI charges

Rs . 1000/- or 8.62% o flh e in slalllllenl1l101l1l[ whichever is hi g hel'.

d.
c.

Cheqllc rC[lIl'll charges

E;l rl v se [ll cll1C nl cll:lrges

Rs. IO()O/- per chellue

Up[O 4.310;', of [he oll islailliing umo unt.

I.()()'y,', of loan al1101l1'JI min . Rs. 11)()()f_ (IlK ludillg

Ieg;11 & uoclIll1 cnla[ion charges)
i i) Secllreci - 1.30 11., of 10:111 dl1101l1l[
Illa x. lIplO Rs SS 50!- (Legal &: ([OC IlII1(,lllaIIOll
charges
a[ aClual)
i)

Clean

,- Islwri /lolli. !.ill/il l' li

Scht'dllle' or HOIII.. Ch(m!t's (Ere/lls;vt' of Ff'.D I Soles Tax) elji'ctir't' .111/1' () I, ]111./

2, Smart Cash
d.

P\"o c e s~ ill S

F..:c

i) Cleall

2':1" or loa ll amO llll1

min . Rs. :' .000/

( illC lllLiill g legil l 8: dOCIIIlICIlI <J lioll chargl")

Ii} See llrcd - 1.50%, o r loa n a1llOU1l1 Im x. lIpl ll Rs . (' .O()O!
( L ega l 8:. UOC UlllCill all OIl ch;u ges al aeill ;ri )
Rs 5,000
Ellh;ll1('C n1L' 11i

c h ; lr ~e s

) 50'Y" o r Ihe en hall eed dll10 III I1 ... Ill inilll lli ll Rs. S()()I)

Rs 1.()()O/- Ill'r cheque

Rs. I.OOWper Illollih o r S (,2' ~ ';' o f Ihl' Illillilllllill ,ll ll(lI I' 11
I.v hl chevcr is highcr.

~,

Mortgage Finance
ll.

ProcessIn g Fcc

Rs 8,OOO!- ( Flat )

h.

LegJl /doculll cnl8 tion / va l ua ti on /

ineoillc eS li malion charges

A t ac tual

c.

Enh ancclllellt C harges

Rs, 6 ,5001- ( Flal )

t1 .

LaiC Pa Ylllcnl C harges

Rs. 1,0001Il igher.

c.

C hequ e relurn charges

Rs. I ,OOOI. per c heque

Prclll:llurc T U lllill :ll io n C harges

a) III case o f carl y sClllelll(,,11i hy th c Ilo rrower eh;rrgcs " ill he

applicab le ill th e lollo w ill g Illallile r.
I)
I " Yca r: U pt o 6.5'!,;, 0 11 OIlI SI;llldill g h;II:rIlCl '
ii)
2",[ Ye ar: U pl O :'.5 % 0 11 OIlI SI;lIld ill g 1l;li ;lllce
i ii }
,1'"<1 Yea r o llwa rds: UplO -I S},.. 0 11 o Ul slalldill g Idd lll'l'

or 8.62 % or Ihe ill SI;llIlllcnl Jll1 0 1i1l1 "IIICIICI(1 IS

h) U pl O II 'Y., o r the oUl slalldili g hJ lali ce. ill case o r h;r I;ll lCL'
tra ll sfe rred to o ther bank. irrespec li ve ol' l h~ l illl e pc ri od .
"

13:111 ooll PaY lllell1 ;l ll owcd IIJlIO a 111<1;\ 111111111 o f' 21)",;, "I' IhL'
o ui siand lllg ba lallce ill a ycar f\cldili oml ball oo ll p;r Ylllclli S "ill
be II plO 6% c harges 011 Ihe a III 0 II III heill g paid ( hali llo ll paylllL'lll
alllo ulIl ).

[3;r ll oon I'.r y nlelll

4. Busilless Fillallce
;1.

Procc ss illg

Rs. IIJ.()()()/. (F lal)

F('C

b. L Cg :ll /doCllll1C ilia IiOIl/\'aIuatiOIl/i IlCO lllC

A l aC l ll;Ji

es lilliatioll chargcs

('

Re llc,,"al FcC'

Rs. I (J.(HH I/ . ( H iI )

d.

[ llh :IIl CC ll1 Cnl Ch :lrges

Rs. 10.0001. (F lal )

e.

C heqll e Re lUrn C harges

Rs. 1.000/ per ehcq uc

['.

L:lle p;IYll1C1l1 C harges

Rs. I.O(J()/highcr.

g.

Prelllalure T erm inatioll C harges

UplO 6.5'10 orlh e lilllil.

or 8.(,2':1"

01' Ih l' IIlSI;11I1I1CIlI al11<1Ilnl \\ 111 c' ll (\\' r

I.'

5. Auto Finance
:l .

Rs.5J)OO/. : lI onrc['ulld " blc i fdo\V 1l p;ly nlcnl is rLl'e i \'l'd

I' roeess illg Fcc includillg IcgJI dOC Ull lC llt ali o ll

(' il lnges
11.

V;rllI ;lll o n! i II CO Ille CSIIIIl:1 IiOIl charges

A I ae illa) - lll:J x 111111 III lip

10

Rs3,()(JO/

C.

Preilla iure T erminali o ll C hargcs

U p to 5'Yo of lhc Prin cipal o Ul slJndin g

U.

i3a loo ll PaYlll c lli

20% o flh e OIlISI;llldln g h,ti ;lnC(' ill :1YCJr slIhJecl 10 ,- ()";, C h ;H~~l'"
0 11 lhe aill o li nt heing p~id (ba ll oo n Il aYlllenl anlolllll)

e.

C heq ul' "l'IIIn! C harges

Rs. 1. 0(1 0/ pCI c heLlll l'

I .ale 1',,, 'lllclli C h;lrgcs

3.()'>" OITqllJI M Ullllrl y 111, 1.111111[' 111.

g.
h.

1<l'[lOSSl'ssion Ch argcs

\1 .rClu;rI (Leplo " s. 'ill.IHIII- )

Trileitc i C h;lrgcs

lip

10

R'.IS()1I 0!

I.

1_lll g;ni o ll c h;rr gcs (il' Jny)

i\ I :lelll;11

I.

CO lll prehcnSl vc Inslll.lllec Ch ;lr gcs

A I Jellla)

T hird p:l ll y NOC iss llan ce eh.r rges

Rs. 2,000/

I.

Duplic;rl c NOC iss uance c harges

;I S

Oll L lill1e

(' l l ; l l~e,

Rs 5,0001

,Islcllri 8ullk Ullliletl

C.

Scher/II/e O(RIlIlIc Chan;('s (Excillsive

I,

Tllx)l'l/i'('/iI'l' .III/I' () /, :!I)/-I

Certi1icate of Jnvestment
Preillature Encashlllcnt Charges

H.

of FED I SII/es

O () I 'X,

or amOllnl inv esled

i)

55 0!-

ASKARl MASTER CARD

A 1I'<JIlli Card

I<s,

as Process ing C harges ,

ii) No Al1l1u:l1 Fcc ,

I< s, 2.()()()f-

Cla ss ic ('ard

per allnUIll (wa iv er ba sed 0 1'1

Rs ),()()()/- spellciillg

w ililin 111'0 1110111hs o i' iSSlI<lII CC 1 rCIICII:l1.

.1.

Rs. 4,0001 per :lllllUI1l ( w ai ver b,l scd 0 11

Rs IO,()O()I- ' I)C ntiIl1 ,',:

Gold Card

wilhilllll'o 1I1011lhs of iss llallce 1 rCllcwal.

1.

i'blilllllll C:1I'l1

5,0001-

R s.

pcr JIUIlII11 (IVai vcr ba sed 0 11

I< s, I \O(JO,' - SPl'll d ill g

w ilillll II\,O 111 0 11lils of issuance I renc w:d,

No A111111 :d 1' .:('

() .

" SlIPfl IClllCllI<lr ), C:1I'd

CI :lSs ic

7.

"S lIPlllcJ11Clllarv C ard - Gold

Rs. 1.1I1)()/- pCI' allnll11l (1I'"i l 'cr b,lscd 011 I{ s.

w ililill 1\\0 1I101llhs ofissuallcc 1 rCll cwa l ,

.(H III - ' 11L' lIdlll':

Rs. 2,00(1/- flcr <1111111111 (wail 'C'I' bJsed on Rs

,1I1)() ' - ' l'l' 11dlll:':

w ilhini llo 1I1011lhs of issua lic e 1 rcnc lla l.

"S lippl emelllar), C II'lI

I).

10,

PI~lil1ull1

Rs, 3,0001- pc r al1l111'l1l (wa i vc r based 0 11 R s, I ,O(JO/ - sp c lld i ll g

II ilhilllllO 111 0 111hs (lfi ss llan cc ! rCllc wal.

" Nu allnllal I'cc 1'01'

fir SI

Y('ar s \\ai\'cr bnsetl

011

Laic' f'<l Y'llCIII Cl w 'gcs

Rs. 1,0001- per mo nlh o r 8,()2'Yu of Ihe nllllllllllll1 :lln OIlI1I

\V hi c ileve r IS higher,

Se r v ice C harges RClail Trallsac li o lls for Classic, Gold

i)

Sa lari ed 1 Illdi v idual Person:

" 1ll1 Pblilllllll Cards

ii )

Sell' E mpl oyed alld Z.lIal:

iii )

Armed Forces 1CO 'llorale:

i)

Aw:tmi :

12

Se rvi ce Chargcs Ca sh

3. 70'%

13 .

Ca sh /-\,hallec Charges

Rs, 1,0001-

I~.

C hCl[UC RCllIl'Il Ch<lrges

Rs. I ,O(JO/- pCI' c hequ c

15

pl' l'

.), 4) 11., p CI'

Il l() lllh

2,00u;" Iler mo nlh

3 .7 0",';, pe r I\lOIlI h

Serl'icc CIIJrgcs RClail Trall sa cliolls for AWilllli Cards

II.

Yl'ar. II Ill'rcas 011 snhscqnl'1l1 rCIlCII al

spending

nlo l11h

or 3,5%

IOxcl'ss Owr Li mil C harge s

R s, 1,001Jl- (F lal)

I(),

Is sll:lI Ke or Dliplicill C Slal ( llI(;1I1

NIL

17,

ClI'll RCfllacCl11e ll1 F.:e

Rs 431 /

18.

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

2, 00% flU 1110llih

I () .

FCP E:l rl y Callcellalloll C harges

Rs, 1,0751hi g her

Wlll c ilcI'cr i s Iligh er

or 5.5'1.,

of Ihc o Ulslanelill g arn Ollnl II'l1Ielll'v c r IS

Rs, 550 o r 3.20% II hic liclc r is hig her

20

21 ,

C rl'e1il C,Hl' r (II i ill Ihl' COII ' l'lIl Of CUSIO Il1CI)

22.

V ouc hc r RClncl:i1
:1.

I,.

l. oc: i1 T r: ulSa cli o ll

Illlcl'Il:llioll :d Tr :IIIS:lC lioll

Rs . ) 75/
I{ s ')11111

Corporalc C ard ( A llllu:li Fcc )

i)
ii )
iii)
iv)

I 104 C rcelil Cords

5 10 ,) Credil Ca rds
101014 Cr.:d il Cards
15 alld above Credil Cards

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

25.

Fo re x M arkup

UPIO Rs. 2, 1251- per c ard

U fll O Rs , 1,075 /- per card
U PIO Rs, 800/- p er c arel
UplO Rs. 5501- per carel
2.00% per 1110 lllh

2'Y.,

on Ih e tran sacliolls :1I1101l1lt - 10 h.: oflpli ed 011 :i11 11'.111 5"(1 1011 5

olher thall Pak RUflee

" 011':

Servicc C harscs for Si'vIS aleri

Rs. 50i- per 111 0 11111

JIlLl' fI )C I lr;!I1S,IC lioll c ll;lI gl".'~

N il

"I 'dl l'.: r 01' <JlIIlU cll fcc for nasic :lIld Suppiemelliary card s, sllhjcci 10 apprOl'a l of Ihc cO llcerned alilhorily, based 011 Ihe l'U S\()IlICI

AsI({fri /Iallk Limited

Schedule

or Hlluk Char!;!'s (/::.rc1l1s;"e lit' FED / SIIII'.\ T((x) elli'ct;,,1' ./1111' Ii I, 70/.1

rl' lali o l1 and spcndin g IHalile

Branchless Banking

1.
I.

00

Ca sll Dcposil -

Acco unl H o ld c r in hi s/ her accoun t

Frce

,\li l lllllllll1 I{s 50/ - 10 111:1:\ 111111111 R5.25 .0 ()()/

2.

131 11 1',1 ), 111('111

I1:JI:llIlT

Free

Tol' l.'1'

\ lillil11l1 111 J(s.I O, - 10 111:1 .\ i11111 Jl1 Rs'i ()O()'-

Frcl'

~.

(1,::lIe PI )\

~.

( h:IJlge PIN

Free

().

O:JI:IJ.1 ce EJlq II i I)

Frec

Frec

7.

Mill i SI<lI Cl11eI 1l

Frl'e

8.

SClid l \ceOll1 1l Illill

Free

or /\eCO l llll Sr:lICllh: lll <II Ih c reqll ~sl oITuSIOl11C1' .

Rs .

'J.

ISS I"'l lCe

I ()

:J) .\C(, OIlIlI OPl'Jl lll g (L l'\ c l : 0 I

\! II

hi r\C(,O Ii 11 I OpclIillg (L ('vcl - I)

N il

I I.

12.

C", h

Upl O Rsl .O()O!- ...

Ove r Rs.1 ,0001- 10 RS.2. 500/-

c)
d)

O\'c r Rs. 2.500/ - 10 Rs.4.0001O\er l{ s4.0()()/ - In Rs. C"OOO/ -

c)

O\'CI

Rs. ('.O()(), - 10 Rs.S,OO()/I~ SS. OO(J I -

fJ

0 \ (I

g)

Over Rs.1 O,UO()/ - 10 RS.13,UO()/-

h)

O\ cr Rs. 1:;,(JOO, - 10 R5.1 (>.(JOO/ -

I)

Ovc r Rs. I C,,()OO/ - 10 RS. 20,O()O/ -

J)

Ovcr Rs 20, OOO/ - [0 R s 2~ ,()O O/-

Rs. 56/- per !runsa e!ia n

Rs. 78/- . pCI' Irallsac li an .
Rs. ')) 1- pc,r lra Il sac!iall
Rs. I 16/- pcr !rallsac!i a n

10 Rs. 1(),Otlt).'-

Rs. 134 /- per ll~lnsaclio ll .

Rs . 155/- per 11,1nS<1Cliall
Rs. 177/- .pcrll-a nsuc!iall
Rs. 194/- pcr IrallSac !iall

c)

Ovel Rs:iO{)/ - 10 I~ s 1.000/-

Rs. Sl- pc r !rallsac !iall

I{s. I 1/- per !rullsacli an
Rs. I S/- p cr .\J'ill sac li an

d)

O ve r Rs. INJO/ - In Rs.2 ,5 ()O/ -

Rs . 36/- pcr !ranSilC liall

e)

O\'e r Rs.2.5 1)(),'- 10 RS4,(J (J(J/ :.

Rs. 56/- per !ransa c!iall

I)

Ovc r Rs4 .0()O,. 10 Rs. ().()OO'-

Rs. 73/- per lransaeu a n

OVL'.' Rs (>.()OO,- 10 Rs.8,O OO, -

Rs. <) 1/- pcrtransucuan .

Rs. 10S/- pcr ! I ~HlS,l( !'.(lJ1.
Rs. 129/- per !r:lnSil Clia n

jJ

Ove l J( sSOOOl- 10 Rs ..I.O_,O ()O/ -.

Ove r Rs 10,000/ - 10 R51 3,OOO!
OVCI r~s I ~.O ()()/- 10 Rs. 1("U()O! -

k)

O vc r Rs.1 (' .( )()O/ - 10 RS .20.0tlO'

I)

OV l'l

l ~s . 20. 110 [)! -

10

Rs. I ~ 7/- per 11:l ll s,I(' liall

Rs. I (,q /- per !J<ln SaC !l all
Rs. I S 1/- pcr !J<III Sac!i o ll

l ~s.2) ,() 00l -

F lIll<i Trallsfer (i\ lohile /\('('011111 to CNIC):

h)

t IPIO I~"I .O OO . Over Rs. I.OOO.'- In Rs.2.:i OW-

c)

0\ ('I

d)

OW
. - l Rs.4.000! - 10 ..Rs.(),OOO/ -

c)
I)
g)

Ovel RS .(\,()( IO/ - 10 Rs.S.OO()/

:1)

h)

O VCl'

l ~s2.5()U:-

Rs.

~I) !-

per Ir,l ns:lc lio n

Rs. 70/- per !r:llls:]c!i o n

I{s. I I ()/- p CI' !1:1I1 Sac !ioll

10 Rs. -1.0()()/

Rs. 1551- per !IClIl Sac!ion

Rs 1') .:) /- per trans acti o n
Rs. 233 /-

Rs.S,OOO/- 10 Rs IO.() OO/

. p~r . !I Cl n saer.IOI1

I<s. 276/- .per .Iransa c lian

Rs. J 101- per IIClI1S3e lioil

Ovcr Rs.1 O,tlOO/- 10 .I<s.1

:1,000/- -- .
.
0\ (' I Rs. 1>,000/ - 10 Rs. 15 ,IJOO/ -

FlIlld Tr:lllsfcr (CNIC III CNIC):

<I)
h)
e)

til

15 .

Rs. 20/- pcr!rallsac!ial.l

Rs. 39 /- per Ir~ ll s Jcti a n

Flilld Trallsfer (i\lol ~ ile:1Ccollllttoi\loh!le. ;\CCOllllt): .

<I)
LJp lo Rs.200 / - .
h)
O ver Rs 2UO!- 10 Rs.S() ()/ -

I)

I~

ller S!,II Cllle lli

" 'ill,,lr:l\\':lI:

:II
h)

g).
h)

11.

:;0/-

U lli a I~s. I ,OOO! :

_
Rs. 1,(lO(l: !o RS.2 ,)OOi -
Ove l l ~s.2.)OO/- In RsA ,IH)O/.

Rs . 52/~. pcrlrUIlSaC!IOI1
Rs . 103/- pc rll<ln sac!i on
Rs. 14 7/- .pcr Iransacrial1
Rs. 1')8/- per 1.1.:JIlS:JCIIO Il

OVl'l

C)

O\'c r RsA.O()O: - 10 Rs(\.OOO/ -

Over r~s.(>.(I()II! - III RS .S. (HIO!-

I)

0 \ ,'r Rs.S .OOO/ - 10 Rs. 1O,O O()!-

t!)

0 \,('1'

h)

O \ ',;r Rs.1 :;. OO() i - 10 Rs. I S,OOO/ -

Rs. 2S0/- per Iran saclian

RS. I () ,OOO I - 1.0 Rs.1 ~,OOO/ -

Rs. 302/-

per I r:Jllsaclion

Rs. :;-1 51-

per IranSa('l ion

Rs. :;S8/- per rmllsa c liall

FlIllll Trans/('r( CN IC to i\lobilc;\cc.ount):.

a)

Rs. 13/- per IriIJ1SilCli o n

Rs 22/- per Irans,lclioll
Rs .\ 0/- pcr lrdl) S~ lClioll

.. U pl O RS.20(1/ -

h)

0\ er Rs .200!- 10 Rs..50U/-

")

(h er l~ s.:'Otl/ - 10 l~s.1 ,I)OIli-

ti l
,' I

0\ cr Rs. I.OI)(I!- 10 Rs.2.500/ 0\(1' l~s2 ..5()(),

- 10

Rs. S()/- per lr<lIlS (lCl io ll

Rs . 86/- per !r,1I1 ~ aCllall

t ~s. -1 . ()()O ( -

10

,/Slilll'; /jol/Ii UIII;lec/

Sc/lI'dll/t' /lFRI/Il1i C"on;es ([xc/llsil'" of FU) I .\',,/I's TIll) I'lji'cli,'/' ./,,/1' 11/, ]{1/4

r)

Ol cr

g)
h)

O ver Rs.(' .OO(l: 10 Rs.8,OOO /

O\l'l R,S .()()(J. to Rs.1 (J,()()(): '

I)

Oler I~sl() ,()()()jlo RS.I.'l,(J()()/

O ve r Rs.1 ~.()()()/ . 10 I~ s 15,() O()/ .
Ol'c r Il, s 1).000: 10 Rs.1 S,O()()(

.I )

k)

l~ s.~.()()(J:,

10

l~s("O ()O / .

Rs . I I ()I pcrll;IIIS,l(lioll
Rs I ~ 7/
Rs . In;
Rs. 2()~/
Rs 2~ -' 1
Rs. 2() 7/
Rs . "Oll .

(her Rs. IS,O()O! 10 l~s.22.0il() .

Over l~s. 22,()() () i 10 RS.2 5.()OO/ .

I)
111 )
l~otC:

No charges

J.

Corporate & Commercial Leasing

0 11

Rs.

345/

pcr IrallSa(,1I0n
pCrll<Jn SilClion
jJcr 11;11 15;1('1101)
per tl;lnsaClioll
pcr 1J'Jllsac lion
per Iran sac lion
pcr U~lllsac ti o ll

OnLinc Cas h Deposit for CUSt OIll Cl'S maillt<1inin g account witll [hanchl ess [lankillg

I.

C0Il1I11illllClli Ch.,rgcs

1'1.1 pcr qllartcr

2.

Lease Relltal Cheque Relulll C hJrges

Rs , 5001 pcr chequ c

J.

LC<lse Relll.1I La le Pa YlllcllI Charg es

( Relllal l I ()()()

-'I.

Lease Prelll"lurc Ten lli l1J liol1 Charges

5'10, o r Ih c princIpal ollisiallding

eli'S l~ cpossess iol1

No. of days or }(, 'Yo per ,11111111 11

A I aClual (UpIO Rs. V),O(JOi.)

~.

Pri va le

(,.

l',w<lle C<lrs Repossession C h,lIges ( Out stati oll)

AI aCllial (U pIO Rs.J5,OOOI.)

,.

COIllII)crcI<1I Vehicles Repossess ion Cha rges

AI aClu;d (UpIO Rs 75.0()()/.)

DOC UIl1 Cn l<lli oll Ch: lrg es

Rs. 4 0()O/ per case

'J.

Veri ri cal ioll C h,lIges/ Proc css ing rec

Rs. 10001 per casc

Ill .

Third 1':111 )' NOC iss u,lIlCe Charges

R5. 2000/ per case

I I.

DlIplic:llc N O(, issuance Cilargc5

Rs. 5000/. per case

12.

Tr'lCk L.:f CILlrgcs

UPIO R5 .1 :i,(JOO/.

I .~.

n,lIll)Qn P" Y"K'nl Cha.- g"s

5':;', ofprillcipal amO.II)1 heing p.Jiel

I~

Ass el

15.

1... tli gclliollCll'llgCS

K.
I.

p~r

, i)
\ il )
,i ii)
\ II)
.\ I)

AI aCllial

.25'Y" ol'llle sanclioned f:lC ilil y amo llnl

Aska ri I<issall Eve rg reen Finance.

Ashll'i Ki ss Jn Traelor Finance .

Aska ri I<i ssa n ramI Mcchani~alion .

Ask<lri Kiss,1Il Liveslock Develop'llent Fil lance

As kmi I<issall Aahp;lshi Finance

Asbill K,S S;11l Transp0r! Fi,wnec

A skmi K, SSilll Grecn House & Tunnel F'llancc

Aska rl Kiss;ln I'arlll Stora gc Finallee

A skari Kiss;II) Model Dairy Finallce

Askari Ki s5<l 1l Gold Fi sh Finance.

Askiil i K, ss an W hite Pea rl Flllance

f\ sk<iri I(,ssall MurghlxlIl Financc

i\skil rl Kiss;1Il Gnlhan Finance

,\sl<:1J'I KI SS:1Il Samar !3ahishl FII1,II) Ce

Asan 1\'lal i S:dlldal.

Serviec cllilfges on del ayed paymenl of n1arkup/ ln slalllllent

o l' TFlrolloll'l orrevo lvlng c red il faciliti es .

i)

Overdu c by J I da ys 10 hO clays

Rs. )()O!. ( l1 al )

i i)

Ovcrdllc IlV (,j eI :))'S 10 I)() d"ys

Rs, I.OOW. (11.11 )

Iii I O'Welil" (1'", 1) ()O da ys

Rs. 1. 5001 ( l1al)

.1.

Tr<lll srn of I':lcil,l\' (o n hOITo",,' r', IT'IliCSI)

Rs . I .t)(){)/. ( 11;11 )

~.

Alllellllnlenls ill lerlllS 0 1' ;1111\1'01',11

Rs. 50W (l1 aI)

ADVANCES

Foll ow in g charges wi ll bc rec ove red in add ilion 10 l11arkup j)lOfit 011 illvesllllelll:
I.

char ~cs )

AI aClu:1I

alu:llion ch<lrges

f'IOCl'SS '"g Fcc 1(11' lo llowing Fill allce s:

x)

L.

CiiSC (Onc lim e'

AGRICULTURAL & RURAL BANKING SERVICES

i)
Ii)
iii )
IV)
,)
")
,'ii )
,i ii)
i.\)

2.

Charges (Loe.II)

ivli sc ellaneolls charge s.

( i .e .. cilarges fo r doclllllcllls. eva luatiol) or scclIrlly &

l11aililenallCl' Iherco r, elc. )

I1

ACluat

[lr~llch (() !):;5).

----------,h/wri HOllli '-ill/ill'iI

Sc'nil'l' l'''a,.~l's
(upfronl)

2.

Schedflle
on

P"OCl'ssinl!

of crcdit

of HOflli

or ('CD! Soil's Tox) em'ojl'l' .Il1/r 0 I, ]0 I-f

Jl1"0 Jlo.,a1
0 . 1O'y" milll111um Rs. S.O()O/-

Upto Rs. 25 1"1

i)

Cililrf;es (E.relflsit 'l'

OOSO'v.,

(OR as "JlprO\'l'(1 h~' Ihe l'onccnll,d Group Ill';III)

~.

Processing Clwges ag~lin s t l-ullllcd/JlOJl

rllnded I:lcilities:

OTT / EOL
i)

Upto gS.5M

ii)

Over Rs.5M 10 Rs.1 OM

0\ cr Rs.1 01\ I to Rs.25M

iii)
II)

O\er Rs.2:il\lto Rs .50M

v)

0\ er Rs .50M

Ch;111~e

Rs. 1,000/- each casc

RS.2.000/- each case

Rs. ~ , (JI)O/- cnch ca sc

Rs.4,OO()/- each case

Rs. 5.0()()/- cneh cas e

01' SC'curit), (\0 CUlllClllS

Rs. 3.()()0i- (11:11) per requc; \.

Release oJ'SecurilY dOCllIlll'lllS

Rs. 1,3()0/- (flat) per rCcl'les\.

Projec'l c .\ ;lmill;Ilioil fcc.

0.75 % the proposed exposul'c' subjeci to 50';;, p:l v:Jhk

Upfro11l. (Wherever applicable).

(OR subject 10 IlcgO(ialioll :111d 'iPIll'OI:11 fr{]lll Illl' ('('lIl'~I 'IICd

Grollp Head)

7.

ISSU:IIlCT ofNOC lor Credil F<J cililies 1'1'0111 Olher [3;1I1ks

UplO Ro. 10.000/-

S.

.c\(I\anl't's againsl

-I.

()J

:l S pel :Ipprolal

Jlledge/h~ ' Jlothccatif)n:

r\CIII:iI.
h) Goclo\\11 SlafJ'Sal~nes (Godown Keepers/
Chowk idnrs).
c) Godowil InSI)ectioll Ch"rges.
I)

AClual.
AClual COIl\'C)',IIlC~ pillS olher cll:lrges.

i) UPIO Rs . 10M Rs . 1.075/

ii) Ahove Rs. 10 MRs . 2.20()/

IVilhin Municipal Lill1its or wilhill n radius ofS

1<11 1 fr(\ll1the brallch.

TA & DA ,IS per rules plu s :Iho w charges .

II) Out side the :!I)(>ve limits .

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

AClual.

c) Olher incidenlal expenses Insurall ce premiulll . Leg"1

ACluat.

char:;...:::;

r)
')

I.

) ss ll~nee

Rs. 550/- pel' deli very ordcr.

01' Delivery Ordcr agaillsl pledge.

i ) Up(O Rs. 25M - Rs. 500/- pcrda v

il) Ovcr RS.25M - Rs . 1.000/- per cia )'

(Note: Pellally alll0Ul1i Illay be rculIccd/wai ved suhjeci

Ihc approval orChierCrcdit Orficer)

Pell:!Il y for late P:I YlllClll oj' Mark-up

l'\OI~:

M.

L'l(

10

While ICCI)\crillg Ihc Ivliseell,1I1coUS Charges hke godo\\11 SIaITs<lI:II,)'. illSpcctioll charge,; c'lL .. Ilw .IUIOlIlll I"'COI ","c'd 1\( ':11 Ihl'
hurrrm'c rs w ill 1101 c' xccc' dihe 101:111'(;111 oflhe godowll. salar,' oflllC gOdOIl'11 Sl:illclC'. Illc'lhl'r \lord s 1\'l iscell;1I1l'OIi S C'll;lrc:c' ';
lIill hc' leI il'd ;(; per :IClual.

M1SCr:LLANEOUS CHARGES
SlC1P pa VIllCll1 nf ch~ljUCS

R,; . 5001- per illslrllcli011

Rs 351- (Flal)

l.

l)uplil'alC ; I:Helllell(

.~.

Dupli cate parr y al"'iee charges

.1.

COlllinllalioll oi'halallcc 10 Audi(ors/all), Olhcr eertificllle

:'i.

i;SlI,(IlCC or cileqlle

6.

ISSlI:IIlCC of loose cheques

Rs.320/

7.

Rc-is suallcc orchcquc 1)001< 'Igainsl ICOrlll [3.

Rs. 300 plu s r~s 7 per lear (FCD is "ppllcahlc III PJl)\llI cc'; 0 ('
PUI~ah &. 1< PI< ollly)

01' ACCll\\I11

Rs. )W- per au vicc

Rs 300/- Flal
Rs.7/- per lcar(FED is applicable ill provillces or PlIllj~h &. K r'l<
oll ly)

hoo~

12

Askari Bank Limited

Schedule ofBank Charges (Exclusive of FED / Sales Tax) effective Julv 0'.2014

8. Cheques returned unpaid in clearing

i)

Inward: Rs . 400/- per cheque from issuer

ii)

Outward: Rs. 50/- per cheque or available balance below

Rs.50/- (FED is applicable in provinces of Punjab, Sindh &
KPK only)

9. Account Closing Charges

LCY: Rs.200/- or whatever minimum balance available in A/c.

No service charges if closed by the Bank. Free for regular Saving

Accounts. FCY: US $ J 0/- or equivalent to other currencies.

No service charges if closed by the Bank

10. Issuance of SBP cheque on behalf of customer other than

banks and financial institutions.

Rs. 425/- (flat)

11. Charges to be recovered from Employer Account in case of

transfer of salary to the Employee Account.

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

12. Collection of School fee/any other periodical subscription

amount etc.

Nil

13. Photocopy of Bank Record provided to Customer

i) Rs. 110/- for record upto one year

ii) Rs. 550/- (flat) for record over one year

14. Obtaining eClB repOl1

At actual (Rs.35/-) per report

15. Obtaining Credit Report from Foreign Bank/Agency

At actual

16. Same day clearance of instlUment

Rs.3001

17. Issuance of Call Deposit Receipt (CDR)

Rs.750/- from non-Askari Bank (Walk-in-Customers)

18. Issuance of Duplicate TOR/CDR

Rs.3201

19. Test Verification from other Banks

Rs.375/-

20. Standing Instructions

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

charges

21. SMS charges

Rs. 301- per month

22. Savings Ilank Acc9Unt - Minimum balance requirements

(a) Regula.' Account

No minimum balance limit.

(No Service charges on PLS Saving Accounts in any manner

whatsoever)

(b) nasic nank Account (Unique Account)

No minimum balance limit.

(No Service charges)

NIL

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 & sn accouuts during the month falls below the
slabs as mentioned hereunder:
a) New FCY Accounts

i)
ii)
iii)

i) US$ 1/- per month

ii) GBP 1/- per month

iii) EUR 1/- per month

US$ 100/
G BP 100/
EUR 100/

IJ) Frozen FCY Accounts

i)
ii)
iii)

US$ 50/

i) US$ 2/- per month

ii) GBP 2/- per month
iii) EUR 2/- per month

GBP 50/
EUR 50/

Above charges are not applicable on active salary

accounts.

13

Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective Julv 01, 2014

Askarj Bank Limited

NIL CHARGES:
(Other than Imp ort, Export, Local LC & Guarantee Business).

From customers maintaining average deposit of Rs . IM in non-interestl non-profit bearing accounts for the last 6 months or Rs.5M in

interestlproflt bearing accounts; except out of pocket expenses and correspondent bank charges.

Staff:

On all banking transactions , commission/charges 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.

0.37% on the first Rs.1 0,000/- of purchase price or cost thereof

Minimum ... Rs. 45/
0.32% on amount exceeding Rs.1 0,000/-.

i)

ii)

2.

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.

Wh en orders for purchase or sa le of shares/securities are executed through the bank's other off1ces, all incidental
expe nscs, such as postage, insurance charges etc. incurred will be recovered in addition to the commission brokerage
dwrges.

Withdrawal fee on shares and securities held in safe custody

(to be recovered at the time of withdrawal).

0.65% on the flrst Rs.IO,OOO/- of the paid up or face value

minimum Rs.13/-; 0.160% on amount exceeding Rs.1 0,000/-.

3. Withdrawal fee on Government Securities, where share andlor

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.

Rs. 101- per scrip.

4. Charges for collection of interestl return and dividend.

0.37% on the amount of interestlreturn/dividendlcollected

minimum Rs. 13/

5. Handling charges lu I' conversion, renewal consolidation for

subdivision of Government Securities.

i) Minimum Rs. 7.5 per scrip.

6.

ii) Rs. 501- flat in case of

Deposit Certificates issued by Government Agencies.

Investor Portfolio Securities Account (IPS)

a) IPS Account Opening Charges

Rs. 5,0001- (Negotiable)

b) IPS Transa ctiOI\ Charges (Settlement Charges)

Rs. 1,2001- per transaction (Negotiable)

b) IPS AccOllnt l\'lainten,lncc Charges

Rs. 1,500/- per month (Negotiable)

c) Claim or Pill Coupon ti'om SBP

0.01 % of Face Value Maximum Rs. 10,000/- (Negotiable)

d) Claim oj" lllatul'ity or Securities (PIB/T.Bills) from SBP

O.OI%ofFace Value Maximum Rs. 10,0001- (Negotiable)

7. Settlement of 3'~

pHr!\"

fnnd tnlllsfer through PRISM:

14

Askari Bank Lill/ited

Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective July 0 I. 2014
............ _...-

*-.....-..----..-.-

..-

r-

Settlement Till1in:.:s for Customer T,ansfers (MTI02)

(Lower value limit for each credit transfer is Rs.JOO,OOOI-, max. 10

'

[~f~i~:~;;::~~~~~~~j:~:~=~:~~~~~~~'~~~:; ~~;:t- r~;.~~i:f'~~::~~~~_~_~__

I
Note: Chalges al se rial II a 10 d may be waived 1 reduced by the Global Treasurer.

P. Postal/Tclcgram/Telephone/SWIFTlTeleX/fax & Courier Charges (Dom estic)

C h a r~cs .

1.

Correspoil lic ili

2.

Courier Se rvice

3.

SWlfT/J"ckx/Cahk Char:,:cs.

Actual
Rs. 150/- Flat

a. Long message (e.g. full text LlC etc.)

Rs. 4251- Flat

b. Short message (e .g. LlC amendment etc.)

Rs . 2251- Flat

c. SWI FTfrclcxlte k:;;r::rn l charges or mcss;]ge for T.T.

Rs . I 10t- Flat
Actual plus Rs . 135/- service charges

5.

Postages.

Rs. 150 Flat

15