Schedule of Charges -1st Jan - 30th June, 2015
Loans
Type of Transaction/Service
Khushhali Qarza (Unsecured Group Lending)
Interest Rate (Both EMI and Bullet Loan)
Processing Fee for Khushhali Qarza
Loan less than or equal to Rs 30,000/Loan greater than Rs 30,000/Khushhali Qarza Plus (Unsercured Individual Lending for selected repeat borrowers)
Interest Rate
Khushhali School Loan (Unsecured Individual Lending)
Interest Rate
Khushhali Livestock Loan (Unsecured Individual Lending)
Interest Rate
Sarsabz Karobar (Value Chain Financing)
Interest Rate
Khushhali Easy Cash (Overdraft Facility )
Interest Rate
Annual Renewal Charges
Khushhali Cash Sahulat (Secured Individual Lending)
Interest Rate - Loan (Against Gold)
Interest Rate - Loan (Against National Savings Certificates, KBL Term Deposit Certificates)
Interest Rate - Loan (Against Agricultural Passbook)
Early Settlement Charges (For all individual loans within the General Loan category if the loan is settled 60 days
before due date)
Khushhali Sarmaya (Micro-Enterprise Lending)
Loan up to Rs 300,000/Loan equal to or greater than Rs 301,000/Commission for replacement of collateral (Khushhali Sarmaya)
Commission for replacement of ownership of collateral (Khushhali Sarmaya)
Commission for change in loan term & tenure (Khushhali Sarmaya)
Commission for restructuring loans (Khushhali Sarmaya)
Processing Fee - All Individual Loan Products
Loan up to Rs 50,000/Loan Rs 50,001 - Rs 150,000
Loan Rs 150,001 - Rs 300,000
Loan Rs 300,001 - Rs 500,000
Gold Valuation Charges (To be paid to the goldsmith directly by the customer)
Late Payment Penalty
e CIB Report Verification Charges
Rate of Charge
31% Annualized Percentage Rate (APR)
Rs 800/- per application
Rs 1000/- per application
28% APR
Up to 28% APR
30% APR
25% APR
30% APR
Rs. 750
28% APR
15% APR
25% APR
Rs.200
28% APR
26% APR
Rs. 2,000 to Rs. 4,000
Rs. 4,000 to Rs. 8,000
Rs. 2,000
Rs. 4,000
Rs 1,000
Rs 1,500
Rs 2,000
Rs 4,000
Up to Rs.500
Nil
Nil
Branch Banking
Type of Transaction/Service
Account Opening Charges
Charges for CNIC verification from NADRA
Account Closing Charges
Cheque Book Issuance
5 Leaf
10 Leaf
25 Leaf
50 Leaf
100 Leaf
Issuance of Counter Cheque
Stop Payment Charges
Cheque / Bankers Cheque
Cheque Book / Series
Fall-below Fee (For not maintaining monthly minimum balance)
Local Clearing Charges
Outward Bill for Collection (OBC) Charges
Rate of Charge
Nil
Nil
Rs.100
Rs. 9 per leaf
Rs. 8 per leaf
Rs. 5 per leaf
Rs. 5 per leaf
Rs. 5 per leaf
Rs. 200 per instrument
Rs. 100 per instrument
Rs. 250 per instruction
Rs. 40 per month
Rs. 15 per Instrument
Rs. 100 per Instrument or Other Bank Charges
(whichever is higher)
Cheque Return Charges
Local Clearing
Inward Clearing
At counter
OBC
Issuance of Banker's Cheque
Through Account
Against Cash- Instrument Up to Rs 100,000/Against Cash- Instrument Above Rs 100,000/Issuance of Call Deposit Receipt (CDR)
Cancellation of Payment Order/Demand Draft/Banker's Cheque
Issuance of Duplicate Pay Order/Demand Draft/Banker's Cheque
Revalidation of Demand Draft/Pay Order/Banker's Cheque
Online Banking Charges
Online Transactions (at remote branch) Up to Rs 25,000 (Includes cash withdrawals, deposits, and a/c to a/c
transfers)
Cash Withdrawal (Over Rs 25,000)
Cash Deposit
Account to Account Fund Transfer (Over Rs 25,000)
ATM/Debit Card
Issuance Fee
Annual Fee
Replacement Fee
Balance Inquiry at UBL ATM
Balance Inquiry at 1-Link/MNET ATM
Cash Withdrawal at UBL ATM
Cash Withdrawal at 1-Link/MNET ATM
Interbank Funds Transfer (IBFT) at ATM
Utility Bill Payment at ATM
Cash Deposit at OMNI Dukaan
Cash Withdrawal at Omni Dukaan
Account ID Card Re-issuance
Duplicate Statement Charges
Standing Instructions
Issuance of Balance Certificate
Early Encashment of Term Deposit Certificate
Rs.100 per Instrument.
Rs.250 per Instrument.
Nil
Rs.300 per Instrument
Rs.200 per Instrument
Rs.250 per Instrument
Rs.500 per Instrument
Rs.200 per Instrument
Rs.100 per Instrument
Rs.100 per Instrument
Rs.100 per Instrument
Free
0.05% of the transaction amount or Rs.50 (whichever is
higher)
Free
0.025% of the of the transaction amount or Rs.25
(whichever is higher)
Rs. 200 per card
Rs. 150 per card
Rs. 150 per card
Free
Rs. 5
Free
Rs. 15
Rs. 100 per transaction (Free for KBL to KBL and KBL to
UBL transfers)
Rs. 5
1.3% of the transaction amount
Up to 2% of the transaction amount
Free
Rs.35 per Statement
Rs. 100 per Instruction
Rs.50 per Certificate (at Parent Branch)
Rs.100 per Certificate (at Remote Branch)
No penalty however reduced profit at the rate of 6%
per annum will be applicable.
Nil
Nil
Account Reactivation Charges on Dormant
Collateral Liquidation Charges
Copy of:
Paid cheque (less than 6 months)
Nil
Paid cheque (up to 1 year)
Nil
Paid cheque (1 to 5 years)
Nil
Mailing charges (Postage, courier, fax)
Nil
Confirmation of balance to 3rd Party (Auditor)
Nil
Important Notes:
All taxes / excise duties / withholding tax / zakat etc levied by the Government are to be recovered from the customer in addition to the charges as specified above.
Deposit Accounts belonging to Students, Mustahiqeen of Zakat, Employees of Government/Semi Government institutions for salary and pension including widows/children
of deceased employees eligible for family pension/beneovolent funds grant etc.are exempted from the levy of service charges.
All stamp duty charges associated with individual loan agreement(s) to be borne by the customer.
The Bank management reserves the right to waive any or all charges.