Schedule of Charges

1st January - 30th June 2013

Notes
a) All government excise duties / taxes / Zakat etc. are applicable in addition to fee / charges.
b) Out of pocket expenses will be collected for all banking services not otherwise covered by the
schedule.
c) Correspondent bank charges will be recovered at actual. For funds transfer, applicable correspondent
bank charges will be recovered either at the time of transaction origination or at the time of receipt
of funds by the beneficiary, if any.
d) Courier charges and postage will also be recovered.
e) Charges relating to corporate customers may differ as a result of an agreement between the concerned
customer and the Bank.
f) Average monthly balance is defined as the average of each day-end deposits of the month.
g) Federal Excise Duty, wherever applicable, will be collected over and above normal charges. However,
service charges on maintaining balance below the minimum monthly average balance will not exceed
Rs 50 and will be inclusive of FED. However it will not apply to Saadiq Basic Saver Account.
h) No service fee shall be charged from students for deposit of fee amount directly in fee collecting
account of educational institutes. A charge of 0.5% of fee dues or Rs 25 per instrument, whichever
is less will be levied for making Pay Order / Demand Draft / any other related instrument for payment
of fee / dues in favour of educational institutes, HEC / Board, etc.
i) In case where large corporate relationships either maintain substantial balance or provide collateral
business, the Bank reserves the right to waive, amend or reduce some / all charges.
j) Account maintenance / Service charges fee is waived for the following categories of accounts:
Accounts of Students
Accounts of Mustahiqeen of Zakat
Accounts of Employees of Government / Semi Government institutions maintained for salary and
pension purposes including widows / children of deceased employees eligible for family pension
/ benevolent fund grant etc. shall be exempted from levy of service charges in any manner
whatsoever
k) For Foreign Currency Accounts, equivalent charges to that of Pak Rupee will be levied.
l)

No Processing Charges will be levied for requests of verification of bank account / statement
received from Foreign Missions, Embassies / High Commissions and any other relevant office for
Visa purpose. (As per SBP BPRD Circular No. 06 of 2010, May 17, 2010).

m) Accounts opened and maintained by School Management Committees (SMCs) duly constituted by
Education Department, Government of Sindh are exempted from levy of service charges on account
of non-maintenance of minimum balance requirement. (As per SBP BPRD Circular Letter No. 02 of
January 25, 2010).
n) No service charges will be deducted from account which has been marked as dormant or unclaimed.
o) No commitment fee will be charged under Murabaha Mode.
p) No fee will be taken for giving any credit facility to any customer under Murabaha Mode.

Contents
Cash Management

(for Wholesale and SME Banking)

Cash Management

01 - 02

Wholesale Banking
A. International Banking

03 - 05

B. Domestic Banking

05 - 07

Annexure

08 - 13

Consumer Banking
Saadiq Retail Banking
C. Saadiq Deposit Products

14 - 15

D. Safe Deposit Lockers

15

E. Saadiq Visa Debit Card

16

F. Priority Banking & International Banking

17

G. Saadiq Payroll Account

18 - 19

Saadiq Consumer Financing

H. Saadiq Visa Credit Card

19 - 20

I.

20

Saadiq Auto Finance

J. Saadiq Home Finance

20 - 21

K. Saadiq Personal Finance

21 - 23

DREAMPACK

22 - 23

Saadiq SME

24 - 26

Cash Management
A. Premium Service
Banking Courier

Up to Rs 25,000 per month per location

B. National Collection Services

Collection Fee

Up to 0.30% on face value of items collected with minimum

Rs 500 per transaction or flat fee as agreed with client

Return Cheque Charges

Direct Debits
Direct Debit Instruction
Direct Debit Rejection
Direct Debit Setup

Up to Rs 500 per instrument

C. Dividend Plus

Up to Rs 100 per transaction or as agreed with client

Up to Rs 100 per transaction or as agreed with client
Up to Rs 1,000 per mandate setup or as agreed with client
Up to 0.30% on the value of dividend payout. Minimum
Rs 50 per warrant

D. Cash Pickup and Delivery

Cash Pickup and Delivery Charges

Up to Rs 3,000 within 20 km. per trip per day; beyond will be

as agreed with client

Seal Fee

Up to Rs 200 per seal; minimum Rs 25 per seal or as per

agreement with client

Overnight Vault Fee

Up to Rs 1,000; minimum Rs 500 or as per agreement with client

Waiting Fee

Double the trip charges (if security company kept waiting for
more than 15 minutes)

E. Billpay Charges
Cheque/ Direct Debit to Current / Savings
A/C

Up to 0.25% of amount; minimum Rs 20 per bill or as per

agreement with client

F. Fee Collection
Service Fee

Up to Rs 2,000 or as per agreement with client

Prepaid Card Fee

Up to Rs 500

G. Home Remittances
Pay Order Issuance - SCBPL Network

Up to Rs 300 per instrument

Demand Draft - Non SCBPL Locations

Up to 0.3%; of instrument value. Minimum Rs 1,000 or

as per agreement with client

H. General Banking
Flotation of Shares
Dividend Processing - Outside
Dividend Plus
Same day clearing of high value
instruments via NIFT
Account Closure for Current Account
(excluding regular Saving Account)

Minimum Rs 100,000 per issue

Minimum Rs 50,000 per payout
Minimum Rs 50 per warrant, Revaluation/ Conversion up to
Rs 100 per warrant
Rs 300 flat per instrument
Up to Rs 2,000 per account

Corporate Customer Internal Salary

Transfer
Pay Order

Up to Rs 200 per employee per month

Demand Draft
Cancellation of Pay Orders / Demand
Drafts
Courier Charges for Pay Orders /
Demand Drafts

Up to 0.3%; Minimum Rs 1,000 or as per agreement with client

Rs 500 or as per agreement with client

Copy of Bank Statement

Rs 35 per duplicate / additional statement

Deposit Slip / Instrument Copy Retrieval

Period up to 3 months : Rs 100 per deposit

Period beyond 3 months
Volume greater than 100 : Rs 250 per deposit slip / instrument
Volume less than 100 : Rs 500 per deposit slip / instrument

Rs 300 or as per agreement with customer per instrument

Rs 200 per item or as per agreement with client

01

A. Straight2Bank - Web
1. One - Time Setup Charges
Setup and Implementation
Corporate Cheque Modules Setup

Up to Rs 15,000 incusive of 2 Vasco devices

Up to Rs 5,000 per month

Approver Device (Vasco / Smarcard)

Up to Rs 6,000 per device

Training

Rs 2,000

2. Monthly Charges
Straight2Bank: Transaction Initiation
and Reporting

Up to Rs 6,000 per month

Straight2Bank Reporting Only Module

Up to Rs 3,000 per month

Straight2Bank: Multi Bank Reporting

(MT940/MT950)

Up to Rs 5,000 per account per month.

3. Straight2Bank - Infomanager
Monthly Charge

Up to Rs 3,000 per month

B. Straight2Bank - Access
Setup and Implementation

Up to Rs 100,000

Monthly Charges

Up to Rs 10,000

C. Straight2Bank - Transaction Fee

Pay Order

Rs 300 per pay order or as per agreement with customer

Corporate Cheque

Up to Rs 100 per instrument

Outward TT

Up to USD 25 or equivalent Local Currency

Onsite Cheque Printing at Customer

Premises
LC Amendment

Up to Rs 300 per instrument

As per Islamic SOC

LC Issuance

As per Islamic SOC

Guarantee Amendment

As per Islamic SOC

Guarantee Issuance

As Per Islamic SOC

Book Transfer

Up to Rs 100 per transfer

Onsite Cheque Printing at Customer

Premises

Up to Rs 300 per instrument

D. Electronic Funds Transfer

1. Set up and Maintenance Charges
First Time Set up

Up to Rs 100, 000

Monthly Maintenance

Up to Rs 5,000

Training per Visit to Client

Up to Rs 15,000

2. Transaction Charges
Electronic Fund Transfer

Up to Rs 100 per transfer

Rejection due to Insufficient Funds

Up to Rs 25 per rejection

Stop Payment

Up to Rs 25 per stop payment requirement

Return Item

Up to Rs 100 per item

02

Wholesale Banking and

SME Banking
International Banking
A. IMPORTS

1. Letter of Credit
Issuance Service Charges
Amendments

As per Appendix 1
Rs 1,500 per amendment or Service Charges as per
Appendix 1 if amendment involves increase in limit or
extension in the validity of the LC

2. Bills
If bills are to be drawn at a usance
under the LC

Rs 1,000 per bill to be charged at the time of retirement of bill

plus up to 0.2% per month (Minimum Rs 500). Extra service
charges for any period beyond LC validity

3. Other
Delivery Order issued for Air Freight
Consignment

Rs 1,500 flat

Documentary Collection - Inward

Rs 1,000 per item

Item returned unpaid

Rs 500 per item

Registration of contract for import

on consignment basis

Volume (USD)
Up to 1Mn
1Mn - 2Mn
2Mn - 3Mn

1st Quarter
0.25%
0.15%
0.10%

Subsequent Quarters
0.15%
0.10%
0.10%

For Annual Charges above Rs 3 Million, charges on

registration of contract to be recovered as per
agreement with client. Minimum charges Rs 2,000
Amendments

Minimum Rs 1,000 per amendment. In case of increase in

amount or extension in period of shipment, charges according
to opening commission as above.

Import up to USD 10,000 (or as per

State Bank Regulation) without
opening of LC / registration of
contract

Rs 2,500 flat

LC / Contract reimbursement

USD 130 or actual ( or equivalent Local Currency)

Booking of Import Finance

Rs 1,000 per transaction

As per agreement in Islamic Banking Arrangement Letter

Islamic Structure Warehouse Finance

Service Charge on foreign exchange
in lieu of Telegraphic Transfer

0.10% Minimum Rs 500

Short Swift Import LC / amendment

Rs 1,000 per Swift

Handling of discrepant documents

under inland LC

Rs 2,000 per document

Full Telex Import LC

Rs 2,000 per Swift

Postage on Import LC

Rs 250 per item - Airmail

Rs 1,500 per item - Courier

Import LC Handling Charges,

Correspondent's Charges

Minimum of Rs 100 or actual

Obtaining approval from SBP

Rs 500 per case

Handling of discrepant documents

under import LC

USD 80 + USD 35 for each Swift cost of discrepant

advice / acceptance (or equivalent Local Currency)

Credit Information Report including

credit report of foreign suppliers /
buyers

Actual + Rs 500 Service Charges

Note :

The Bank may charge an additional structuring fee of Rs 3,750 per quarter per Rs 1,000,000 in selected
cases for additional LC related services that will be subject to agreement with the customer
Discount may be allowed to customers in the above mentioned tiers subject to Managements approval

03

B. Exports

1. Letter of Credit
Advising - Customer

Minimum Rs 2,500

Advising - Non-Customer
Advising of Amendments
Financing of Bills under LC

Minimum Rs 3,000
Rs 750 per amendment
0.25% of value or as per arrangement. Minimum Rs 1,000

Confirmation / Acceptance

2.0% of LC value minimum Rs 1,000

Transfer of Export LC

Up to Rs 5,000 per LC

2. Bills
Reimbursement / Payment to other banks
If documents are sent to other local
banks for financing under restricted LC
Bills under LC:
Clean
Discrepant
Bills under LC (where no financing is taken)
and payment cover is already with Standard
Chartered Bank (Pakistan) Limited

Rs 3,000 flat per reimbursement / payment or as

per arrangement
Rs 750 flat including courier charges

Up to Rs 500 per item

Up to Rs 1,000 per item
Service Charges upto 0.25% of value

Bills under collection on (domestic bills)

Handling Charges
Courier Charges
Upon Receipt of Export Proceeds

Rs 1,000
Rs 200
0.3% of bill value

Bills under collection (International bills)

Handling Charges
Courier Charges
Upon Receipt of Export Proceeds

Rs 1,000
Rs 1,500
0.25% of bill value

3. Others
Handling of Duty Drawback Claims

Rs 1,000 flat

Research and Development

Rs 1,000 per case

Document Dispatch (Courier Charges)

Rs 1,500 per case

Handling Charges of freight subsidy claims

Rs 1,000 flat

C. REMITTANCES
1. Outward
Draft

Up to USD 25 (or equivalent Local Currency)

Telegraphic Transfer Handling Charges

Up to USD 25 (or equivalent Local Currency)

Special Remittance in respect of

Shipping Freight, Dividend, Advertising etc.

In addition to the above charges a flat fee of Rs 5,000

per remittance will be taken as processing fee or as
agreed with client

Cancellation of Demand Draft

USD 10 per draft or equivalent Rs

Inquiries regarding non-receipt of funds

where SCBPL acted correctly

Rs 2,000 each

2. Inward
If proceeds are credited to any
SCB branch

NIL

With another bank

Demand Draft / Pay Order Charges along with courier

charges will apply

3. Issuance of Foreign Currency Travellers Cheques

Debit to Account

1.0% charges of travellers cheque amount / value on issuance

Minimum Rs 500

Against Cash Payment

2.0% charges of travellers cheque amount / value on issuance

Minimum Rs 750

04

4. Foreign Currency Cash Handling Fee

Cash Handling Charges on deposits
of currency notes for Credit to a
Foreign Currency Account

0.25% of transaction amount

5. Cheque Encashment and Collection

Encashment of Foreign Currency Travellers'
Cheque in rupees, or credit to account

1.0% of value. Minimum Rs 500

Collection of Foreign Currency

Cheques / DD's / TC's etc

0.25% of value. Minimum Rs 300

Clean cheques / drafts encashed,

returned unpaid

Rs 500 per item

6. Others
Foreign Exchange Permits:
Family maintenance
Studies abroad

Rs 3,000 per year

Rs 5,000 first year, subsequent years Rs 3,000

Specific approvals from SBP relating

to capital transfers,share sales and
airline remittances etc.

Up to Rs 2,000 per approval

Other approvals for remittance

from SBP

Rs 200 per approval

Recovery of LC advising confirmation /

transfer charges from foreign banks

USD 25 + USD 25 per swift

Communication Charges:

Relay charges
Test verification charges
for local banks
Charge for back-to-back
Telegraphic Transfers transactions

USD 16 per item

Rs 1,000 per test
USD 30 per transaction

Domestic Banking
A. Inland LC and Bills
1. Inland LC

Issuance Service Charges

As per Appendix 3

Amendments

Rs 1,000 per amendment or Service Charges as per Appendix 3

if amendment involves increase in amount or extension in validity
of LC

2. Bill Financing and Collection

Collections:

Discrepant

0.3% of value. Minimum Rs 500

Clean

0.25% of value. Minimum Rs 300; Maximum Rs 5,000 plus

actual charges levied by correspondents

Cheques drawn on cities with SCBPL

Branches
Documentary Bills drawn against
inland LC:
Sight Bills

Usance Bills

Rs 100 per instrument

0.25% of value. Minimum Rs 500

Up to 0.30% of value. Minimum Rs 1,500

Note :

The Bank may charge an additional structuring fee of Rs 3,750 per quarter per Rs 1,000,000 in selected
cases for additional LC related services that will be subject to agreement with the customer
Discount may be allowed to customers in the above mentioned tiers subject to Managements approval

05

Charges for Local Bill Financing:

Sight Bills

0.25% of value. Minimum Rs 500 + profit as per arrangement

with customer

Usance Bills

Collection Charges + profit as per arrangement with customer.

Minimum Rs 1,500

Bills / Cheques returned unpaid

Rs 500 for documentary collection and Rs 200 for clean

collection

3. Others
Postage on Local LC / Bills

Rs 200 per item

Collection Agent Charges

Actual

B. Remittances

1. Issuance of Pay Orders, Drafts and Telegraphic Tranfers

Swift - Customer

Rs 1,500 per swift message

Swift - Non Customer

Rs 2,500 per swift message

Pay Order - Customer

Up to Rs 300 or as per agreement with client

Pay Order - Non Customer

Up to Rs 1,200 or as per agreement with client

Demand Draft drawn on

Correspondent Bank - Customer

0.3% of value. Minimum Rs 1,000

Demand Draft drawn on

Correspondent Bank - Non Customer
Cancellation of Pay Orders / Demand Drafts

0.3% of value. Minimum Rs 2,000

Rs 500 each

C. Standing Instructions
Charges per Application

Rs 500 per transaction in addition to the usual charges

on remittance

Amendments

Rs 100 per amendment

Default due to lack of funds

Rs 500 per transaction

D. Guarantees
Issuance Service Charges for Guarantees
issued to Shipping Companies in lieu of Bill
of Lading

Rs. 1,500 flat for first month and Rs. 500 per subsequent
month where 100% cash margin is held. In case of no cash
margin held 0.25% or as agreed with client (for period beyond
LC expiry)

Issuance Service Charges for other

guarantees

As per Appendix 2

Expired Guarantees

As per above items until original returned to the Bank.

Amendments

Rs 1,000 per amendment and Service Charges as per Appendix

2 if amendment involves increase in amount or extension in
validity of guarantee. USD 50 for back-to-back guarantees

Handling of Claim Cases

Rs 1,000 flat + out of pocket costs

Vendor Charges for arranging stamp paper

2.0% of bond paper value. Minimum Rs 100

Swift

Rs 1,000 flat

E. Finance (In addition to profit on financing)

Legal

Actual

Arrangement Fee

Up to 1.0% of value. Minimum Rs 2,500

Review Fee

Up to 1.0% of value. Minimum Rs 2,500

Interim Review Fee

Up to 1.0% of value. Minimum Rs 2,500

Administration Fee

Up to 2.0% of value. Minimum Rs 2,000

Project Examination Fee

Up to 2.0% of value

06

Miscellaneous Charges

Actual

Replacement of securities under lien to

the bank

Rs 1,000 per replacement

Fee for verifying and marking lien on

Govt. Securities issued by the bank on
request of third party

Rs 100 per scrip. Maximum Rs 2,000

Handling Charges for deposit of shares

and other securities in safe custody
marked under lien for banking facilities
will be as follows:

Individual shares with respective

transfer deeds attached

Rs 20 per scrip. Minimum Rs 2,500. Rs 10 per scrip if annual

volume is over 100,000 scrips

Individual shares without

transfer deeds attached to
respective individual share
scrips

Rs 20 per scrip. Minimum Rs 2,500

Sale / purchase of shares /

securities held against banking
facilities

Rs 0.10 per share. Minimum Rs 1,000

Charges for holding bearer

securities in safe custody on
behalf of customers against
banking facilities

0.20% of document value per annum

Financing against pledge / hypothecation:

Godown rent / staff salaries

Actual

Inspection charges

As per actual charged by the vendor

Delivery charges if godown

keeper is not posted

Rs 1,000 per hour

Registration of charge at
Registrar's office

Rs 3,500 per case

Transfer of goods from bond to

pledge godown

Rs 1,000 per transfer

Delivery of goods under pledge

Rs 1,000 per delivery

Import clearing charges

Rs 1,000 per case

Charges for delivery of goods

under finance against imports
stored in our own or rented
godown

Rs 1,000 per delivery

F. Supply Chain Finance

Annual Facility Fee

Up to 3% of facility value

07

Annexure
Appendix 1 - Import LC Issuance Service Charges
For Sight and Usance (International)
Letter of Credit Amount Range (Rs)
From

To

Less than equal to

500,001
800,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4,500,001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
10,500,001
11,000,001
11,500,001
12,000,001
15,000,001
17,500,001
20,000,001
22,500,001
25,000,001
27,500,001
30,000,001
32,500,001
35,000,001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,000,001
57,500,001
60,000,001
62,500,001
65,000,001

500,000
800,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
10,500,000
11,000,000
11,500,000
12,000,000
15,000,000
17,500,000
20,000,000
22,500,000
25,000,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000

Per Quarter
5,000
8,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
55,000
60,000
65,000
70,000
75,000
80,000
85,000
90,000
95,000
100,000
105,000
110,000
115,000
120,000
150,000
175,000
200,000
225,000
250,000
275,000
300,000
325,000
350,000
375,000
400,000
425,000
450,000
475,000
500,000
525,000
550,000
575,000
600,000
625,000
650,000
675,000

08

From

To

Per Quarter

67,500,001
70,000,001
72,500,001
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
100,000,001
105,000,001
110,000,001
115,000,001
120,000,001
125,000,001
130,000,001
135,000,001
140,000,001
145,000,001
150,000,001
155,000,001
160,000,001
165,000,001
170,000,001
175,000,001
180,000,001
185,000,001
190,000,001
195,000,001
200,000,001
225,000,001
250,000,001
275,000,001
300,000,001
325,000,001
350,000,001
375,000,001
400,000,001
425,000,001
450,000,001
475,000,001
500,000,001
525,000,001

70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
105,000,000
110,000,000
115,000,000
120,000,000
125,000,000
130,000,000
135,000,000
140,000,000
145,000,000
150,000,000
155,000,000
160,000,000
165,000,000
170,000,000
175,000,000
180,000,000
185,000,000
190,000,000
195,000,000
200,000,000
225,000,000
250,000,000
275,000,000
300,000,000
325,000,000
350,000,000
375,000,000
400,000,000
425,000,000
450,000,000
475,000,000
500,000,000
525,000,000
550,000,000

700,000
725,000
750,000
775,000
800,000
825,000
850,000
875,000
900,000
925,000
950,000
975,000
1,000,000
1,050,000
1,100,000
1,150,000
1,200,000
1,250,000
1,300,000
1,350,000
1,400,000
1,450,000
1,500,000
1,550,000
1,600,000
1,650,000
1,700,000
1,750,000
1,800,000
1,850,000
1,900,000
1,950,000
2,000,000
2,250,000
2,500,000
2,750,000
3,000,000
3,250,000
3,500,000
3,750,000
4,000,000
4,250,000
4,500,000
4,750,000
5,000,000
5,250,000
5,500,000

From

To

Per Quarter

550,000,001
575,000,001
600,000,001
625,000,001
650,000,001
675,000,001
700,000,001
725,000,001
750,000,001
775,000,001
800,000,001
825,000,001
850,000,001
875,000,001
900,000,001
925,000,001
950,000,001
975,000,001
1,000,000,001
1,050,000,001
1,100,000,001
1,150,000,001
1,200,000,001
1,250,000,001
1,300,000,001
1,350,000,001
1,400,000,001
1,450,000,001
1,500,000,001
1,550,000,001
1,600,000,001
1,650,000,001
1,700,000,001
1,750,000,001
1,800,000,001
1,850,000,001
1,900,000,001
1,950,000,001
2,000,000,001
2,100,000,001
2,200,000,001
2,300,000,001
2,400,000,001
2,500,000,001

575,000,000
600,000,000
625,000,000
650,000,000
675,000,000
700,000,000
725,000,000
750,000,000
775,000,000
800,000,000
825,000,000
850,000,000
875,000,000
900,000,000
925,000,000
950,000,000
975,000,000
1,000,000,000
1,050,000,000
1,100,000,000
1,150,000,000
1,200,000,000
1,250,000,000
1,300,000,000
1,350,000,000
1,400,000,000
1,450,000,000
1,500,000,000
1,550,000,000
1,600,000,000
1,650,000,000
1,700,000,000
1,750,000,000
1,800,000,000
1,850,000,000
1,900,000,000
1,950,000,000
2,000,000,000
2,100,000,000
2,200,000,000
2,300,000,000
2,400,000,000
2,500,000,000
2,600,000,000

5,750,000
6,000,000
6,250,000
6,500,000
6,750,000
7,000,000
7,250,000
7,500,000
7,750,000
8,000,000
8,750,000
8,500,000
8,750,000
9,000,000
9,250,000
9,500,000
9,750,000
10,000,000
10,500,000
11,000,000
11,500,000
12,000,000
12,500,000
13,000,000
13,500,000
14,000,000
14,500,000
15,000,000
15,500,000
16,000,000
16,500,000
17,000,000
17,500,000
18,000,000
18,500,000
19,000,000
19,500,000
20,000,000
21,000,000
22,000,000
23,000,000
24,000,000
25,000,000
26,000,000

From
2,600,000,001
2,700,000,001
2,800,000,001
2,900,000,001
3,000,000,001
3,250,000,001
3,500,000,001
3,750,000,001
4,000,000,001
4,250,000,001
4,500,000,001
4,750,000,001
5,000,000,001
5,250,000,001
5,500,000,001
5,750,000,001
6,000,000,001
6,250,000,001
6,500,000,001
6,750,000,001
7,000,000,001
7,250,000,001
7,500,000,001
7,750,000,001
8,000,000,001
8,250,000,001
8,500,000,001
8,750,000,001
9,000,000,001
9,250,000,001
9,500,000,001
9,750,000,001
More than

To
2,700,000,000
2,800,000,000
2,900,000,000
3,000,000,000
3,250,000,000
3,500,000,000
3,750,000,000
4,000,000,000
4,250,000,000
4,500,000,000
4,750,000,000
5,000,000,000
5,250,000,000
5,500,000,000
5,750,000,000
6,000,000,000
6,250,000,000
6,500,000,000
6,750,000,000
7,000,000,000
7,250,000,000
7,500,000,000
7,750,000,000
8,000,000,000
8,250,000,000
8,500,000,000
8,750,000,000
9,000,000,000
9,250,000,000
9,500,000,000
9,750,000,000
10,000,000,000
10,000,000,000

Per Quarter
27,000,000
28,000,000
29,000,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000
70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
150,000,000

Note :

The Bank may charge an additional structuring fee of Rs 3,750 per quarter per Rs 1,000,000 in selected
cases for additional LC related services that will be subject to agreement with the customer
Discount may be allowed to customers in the above mentioned tiers subject to Managements approval

09

Appendix 2 - Guarantee Issuance Service Charges

For Sight and Usance (Inland and International)
Letter of Credit Amount Range (Rs)
From
Less than equal to
500,001
800,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4,500,001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
10,500,001
11,000,001
11,500,001
12,000,001
15,000,001
17,500,001
20,000,001
22,500,001
25,000,001
27,500,001
30,000,001
32,500,001
35,000,001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,000,001
57,500,001
60,000,001
62,500,001
65,000,001

To
500,000
800,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
10,500,000
11,000,000
11,500,000
12,000,000
15,000,000
17,500,000
20,000,000
22,500,000
25,000,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000

Per Quarter

From
67,500,001
70,000,001
72,500,001
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
100,000,001
105,000,001
110,000,001
115,000,001
120,000,001
125,000,001
130,000,001
135,000,001
140,000,001
145,000,001
150,000,001
155,000,001
160,000,001
165,000,001
170,000,001
175,000,001
180,000,001
185,000,001
190,000,001
195,000,001
200,000,001
225,000,001
250,000,001
275,000,001
300,000,001
325,000,001
350,000,001
375,000,001
400,000,001
425,000,001
450,000,001
475,000,001
500,000,001
525,000,001

5,000
12,000
15,000
22,500
30,000
37,500
45,000
52,500
60,000
67,500
75,000
82,500
90,000
97,500
105,000
112,500
120,000
127,500
135,000
142,500
150,000
157,500
165,000
172,500
180,000
225,000
262,500
300,000
337,500
375,000
412,500
450,000
487,500
525,000
562,500
600,000
637,500
675,000
712,500
750,000
787,500
825,000
862,500
900,000
937,500
975,000
1,012,500

10

To
70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
105,000,000
110,000,000
115,000,000
120,000,000
125,000,000
130,000,000
135,000,000
140,000,000
145,000,000
150,000,000
155,000,000
160,000,000
165,000,000
170,000,000
175,000,000
180,000,000
185,000,000
190,000,000
195,000,000
200,000,000
225,000,000
250,000,000
275,000,000
300,000,000
325,000,000
350,000,000
375,000,000
400,000,000
425,000,000
450,000,000
475,000,000
500,000,000
525,000,000
550,000,000

Per Quarter
1,050,000
1,087,500
1,125,000
1,162,500
1,200,000
1,237,500
1,275,000
1,312,500
1,350,000
1,387,500
1,425,000
1,462,500
1,500,000
1,575,000
1,650,000
1,725,000
1,800,000
1,875,000
1,950,000
2,025,000
2,100,000
2,175,000
2,250,000
2,325,000
2,400,000
2,475,000
2,550,000
2,625,000
2,700,000
2,775,000
2,850,000
2,925,000
3,000,000
3,375,000
3,750,000
4,125,000
4,500,000
4,875,000
5,250,000
5,625,000
6,000,000
6,375,000
6,750,000
7,125,000
7,500,000
7,875,000
8,250,000

From

To

550,000,001
575,000,001
600,000,001
625,000,001
650,000,001
675,000,001
700,000,001
725,000,001
750,000,001
775,000,001
800,000,001
825,000,001
850,000,001
875,000,001
900,000,001
925,000,001
950,000,001
975,000,001
1,000,000,001
1,050,000,001
1,100,000,001
1,150,000,001
1,200,000,001
1,250,000,001
1,300,000,001
1,350,000,001
1,400,000,001
1,450,000,001
1,500,000,001
1,550,000,001
1,600,000,001
1,650,000,001
1,700,000,001
1,750,000,001
1,800,000,001
1,850,000,001
1,900,000,001
1,950,000,001
2,000,000,001
2,100,000,001
2,200,000,001
2,300,000,001
2,400,000,001
2,500,000,001
2,600,000,001
2,700,000,001
2,800,000,001

575,000,000
600,000,000
625,000,000
650,000,000
675,000,000
700,000,000
725,000,000
750,000,000
775,000,000
800,000,000
825,000,000
850,000,000
875,000,000
900,000,000
925,000,000
950,000,000
975,000,000
1,000,000,000
1,050,000,000
1,100,000,000
1,150,000,000
1,200,000,000
1,250,000,000
1,300,000,000
1,350,000,000
1,400,000,000
1,450,000,000
1,500,000,000
1,550,000,000
1,600,000,000
1,650,000,000
1,700,000,000
1,750,000,000
1,800,000,000
1,850,000,000
1,900,000,000
1,950,000,000
2,000,000,000
2,100,000,000
2,200,000,000
2,300,000,000
2,400,000,000
2,500,000,000
2,600,000,000
2,700,000,000
2,800,000,000
2,900,000,000

Per Quarter

From

8,625,000
9,000,000
9,375,000
9,750,000
10,125,000
10,500,000
10,875,000
11,250,000
11,625,000
12,000,000
12,375,000
12,750,000
13,125,000
13,500,000
13,875,000
14,250,000
14,625,000
15,000,000
15,750,000
16,500,000
17,250,000
18,000,000
18,750,000
19,500,000
20,250,000
21,000,000
21,750,000
22,500,000
23,250,000
24,000,000
24,750,000
25,500,000
26,250,000
27,000,000
27,750,000
28,500,000
29,250,000
30,000,000
31,500,000
33,000,000
34,500,000
36,000,000
37,500,000
39,000,000
40,500,000
42,000,000
43,500,000

To

2,900,000,001 3,000,000,000
3,000,000,001 3,250,000,000
3,250,000,001 3,500,000,000
3,500,000,001 3,750,000,000
3,750,000,001 4,000,000,000
4,000,000,001 4,250,000,000
4,250,000,001 4,500,000,000
4,500,000,001 4,750,000,000
4,750,000,001 5,000,000,000
5,000,000,001 5,250,000,000
5,250,000,001 5,500,000,000
5,500,000,001 5,750,000,000
5,750,000,001 6,000,000,000
6,000,000,001 6,250,000,000
6,250,000,001 6,500,000,000
6,500,000,001 6,750,000,000
6,750,000,001 7,000,000,000
7,000,000,001 7,250,000,000
7,250,000,001 7,500,000,000
7,500,000,001 7,750,000,000
7,750,000,001 8,000,000,000
8,000,000,001 8,250,000,000
8,250,000,001 8,500,000,000
8,500,000,001 8,750,000,000
8,750,000,001 9,000,000,000
9,000,000,001 9,250,000,000
9,250,000,001 9,500,000,000
9,500,000,001 9,750,000,000
9,750,000,00110,000,000,000
More than
10,000,000,000

11

Per Quarter
45,000,000
48,750,000
52,500,000
56,250,000
60,000,000
63,750,000
67,500,000
71,250,000
75,000,000
78,750,000
82,500,000
86,250,000
90,000,000
93,750,000
97,500,000
101,250,000
105,000,000
108,750,000
112,500,000
116,250,000
120,000,000
123,750,000
127,500,000
131,250,000
135,000,000
138,750,000
142,500,000
146,250,000
150,000,000
200,000,000

Appendix 3 - Inland LC Issuance Service Charges

For Sight and Usance (Inland)
Letter of Credit Amount Range (Rs)
From
Less than equal to
500,001
800,001
1,000,001
1,500,001
2,000,001
2,500,001
3,000,001
3,500,001
4,000,001
4,500,001
5,000,001
5,500,001
6,000,001
6,500,001
7,000,001
7,500,001
8,000,001
8,500,001
9,000,001
9,500,001
10,000,001
10,500,001
11,000,001
11,500,001
12,000,001
15,000,001
17,500,001
20,000,001
22,500,001
25,000,001
27,500,001
30,000,001
32,500,001
35,000,001
37,500,001
40,000,001
42,500,001
45,000,001
47,500,001
50,000,001
52,500,001
55,000,001
57,500,001
60,000,001
62,500,001
65,000,001

To
500,000
800,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
5,000,000
5,500,000
6,000,000
6,500,000
7,000,000
7,500,000
8,000,000
8,500,000
9,000,000
9,500,000
10,000,000
10,500,000
11,000,000
11,500,000
12,000,000
15,000,000
17,500,000
20,000,000
22,500,000
25,000,000
27,500,000
30,000,000
32,500,000
35,000,000
37,500,000
40,000,000
42,500,000
45,000,000
47,500,000
50,000,000
52,500,000
55,000,000
57,500,000
60,000,000
62,500,000
65,000,000
67,500,000

Per Quarter

From

4,000
7,200
9,000
13,500
18,000
22,500
27,000
31,500
36,000
40,500
45,000
49,500
54,000
58,500
63,000
67,500
72,000
76,500
81,000
85,500
90,000
94,500
99,000
103,500
108,000
135,000
157,500
180,000
202,500
225,000
247,500
270,000
292,500
315,000
337,500
360,000
382,500
405,000
427,500
450,000
472,500
495,000
517,500
540,000
562,500
585,000
607,500

67,500,001
70,000,001
72,500,001
75,000,001
77,500,001
80,000,001
82,500,001
85,000,001
87,500,001
90,000,001
92,500,001
95,000,001
97,500,001
100,000,001
105,000,001
110,000,001
115,000,001
120,000,001
125,000,001
130,000,001
135,000,001
140,000,001
145,000,001
150,000,001
155,000,001
160,000,001
165,000,001
170,000,001
175,000,001
180,000,001
185,000,001
190,000,001
195,000,001
200,000,001
225,000,001
250,000,001
275,000,001
300,000,001
325,000,001
350,000,001
375,000,001
400,000,001
425,000,001
450,000,001
475,000,001
500,000,001
525,000,001

12

To
70,000,000
72,500,000
75,000,000
77,500,000
80,000,000
82,500,000
85,000,000
87,500,000
90,000,000
92,500,000
95,000,000
97,500,000
100,000,000
105,000,000
110,000,000
115,000,000
120,000,000
125,000,000
130,000,000
135,000,000
140,000,000
145,000,000
150,000,000
155,000,000
160,000,000
165,000,000
170,000,000
175,000,000
180,000,000
185,000,000
190,000,000
195,000,000
200,000,000
225,000,000
250,000,000
275,000,000
300,000,000
325,000,000
350,000,000
375,000,000
400,000,000
425,000,000
450,000,000
475,000,000
500,000,000
525,000,000
550,000,000

Per Quarter
630,000
652,500
675,000
697,500
720,000
742,500
765,000
787,500
810,000
832,500
855,000
877,500
900,000
945,000
990,000
1,035,000
1,080,000
1,125,000
1,170,000
1,215,000
1,260,000
1,305,000
1,350,000
1,395,000
1,440,000
1,485,000
1,530,000
1,575,000
1,620,000
1,665,000
1,710,000
1,755,000
1,800,000
2,025,000
2,250,000
2,475,000
2,700,000
2,925,000
3,150,000
3,375,000
3,600,000
3,825,000
4,050,000
4,275,000
4,500,000
4,725,000
4,950,000

From

To

Per Quarter

550,000,001
575,000,001
600,000,001
625,000,001
650,000,001
675,000,001
700,000,001
725,000,001
750,000,001
775,000,001
800,000,001
825,000,001
850,000,001
875,000,001
900,000,001
925,000,001
950,000,001
975,000,001
1,000,000,001
1,050,000,001
1,100,000,001
1,150,000,001
1,200,000,001
1,250,000,001
1,300,000,001
1,350,000,001
1,400,000,001
1,450,000,001
1,500,000,001
1,550,000,001
1,600,000,001
1,650,000,001
1,700,000,001
1,750,000,001
1,800,000,001
1,850,000,001
1,900,000,001
1,950,000,001
2,000,000,001
2,100,000,001
2,200,000,001
2,300,000,001
2,400,000,001
2,500,000,001

575,000,000
600,000,000
625,000,000
650,000,000
675,000,000
700,000,000
725,000,000
750,000,000
775,000,000
800,000,000
825,000,000
850,000,000
875,000,000
900,000,000
925,000,000
950,000,000
975,000,000
1,000,000,000
1,050,000,000
1,100,000,000
1,150,000,000
1,200,000,000
1,250,000,000
1,300,000,000
1,350,000,000
1,400,000,000
1,450,000,000
1,500,000,000
1,550,000,000
1,600,000,000
1,650,000,000
1,700,000,000
1,750,000,000
1,800,000,000
1,850,000,000
1,900,000,000
1,950,000,000
2,000,000,000
2,100,000,000
2,200,000,000
2,300,000,000
2,400,000,000
2,500,000,000
2,600,000,000

5,175,000
5,400,000
5,625,000
5,850,000
6,075,000
6,300,000
6,525,000
6,750,000
6,975,000
7,200,000
7,425,000
7,650,000
7,875,000
8,100,000
8,325,000
8,550,000
8,775,000
9,000,000
9,450,000
9,900,000
10,350,000
10,800,000
11,250,000
11,700,000
12,150,000
12,600,000
13,050,000
13,500,000
13,950,000
14,400,000
14,850,000
15,300,000
15,750,000
16,200,000
16,650,000
17,100,000
17,550,000
18,000,000
18,900,000
19,800,000
20,700,000
21,600,000
22,500,000
23,400,000

From

To

Per Quarter

2,600,000,001 2,700,000,000 24,300,000

2,700,000,001 2,800,000,000 25,200,000
2,800,000,001 2,900,000,000 26,100,000
2,900,000,001 3,000,000,000 27,000,000
3,000,000,001 3,250,000,000 29,250,000
3,250,000,001 3,500,000,000 31,500,000
3,500,000,001 3,750,000,000 33,750,000
3,750,000,001 4,000,000,000 36,000,000
4,000,000,001 4,250,000,000 38,250,000
4,250,000,001 4,500,000,000 40,500,000
4,500,000,001 4,750,000,000 42,750.000
4,750,000,001 5,000,000,000 45,000,000
5,000,000,001 5,250,000,000 47,250,000
5,250,000,001 5,500,000,000 49,500,000
5,500,000,001 5,750,000,000 51,750,000
5,750,000,001 6,000,000,000 54,000,000
6,000,000,001 6,250,000,000 56,250,000
6,250,000,001 6,500,000,000 58,500,000
6,500,000,001 6,750,000,000 60,750,000
6,750,000,001 7,000,000,000 63,000,000
7,000,000,001 7,250,000,000 65,250,000
7,250,000,001 7,500,000,000 67,500,000
7,500,000,001 7,750,000,000 69,750,000
7,750,000,001 8,000,000,000 72,000,000
8,000,000,001 8,250,000,000 74,250,000
8,250,000,001 8,500,000,000 76,500,000
8,500,000,001 8,750,000,000 78,750,000
8,750,000,001 9,000,000,000 81,000,000
9,000,000,001 9,250,000,000 83,250,000
9,250,000,001 9,500,000,000 85,500,000
9,500,000,001 9,750,000,000 87,750,000
9,750,000,001 10,000,000,000 90,000,000
More than 10,000,000,000 150,000,000

Note :

The Bank may charge an additional structuring fee of Rs 3,750 per quarter per Rs 1,000,000 in selected
cases for additional LC related services that will be subject to agreement with the customer
Discount may be allowed to customers in the above mentioned tiers subject to Managements approval

13

Consumer Banking
Saadiq Retail Banking
Saadiq Deposit Products
Cheque Book Issuance Charges
i) Saadiq Current Account
ii) Saadiq Sahulat Online Account
iii) Saadiq Saver, Saadiq Saver Plus
and Saadiq Basic Saver

Rs 7 per leaf (or Foreign Currency equivalent)

1st Cheque book free. Subsequent Cheque book Rs 7 per leaf
(or Foreign Currency equivalent)
Rs 20 per leaf (or Foreign Currency equivalent)

Temporary /10 leaf cheque book

issuance charges

Rs 350 for Current and Savings account

(excluding FED)

Issuance of Loose Cheques

Rs. 1,000 plus Govt. Levies etc (actual)

**Cheque Return Charges due to

insufficent funds

Saadiq Current Account and Saadiq Sahulat Online Account:

Rs 150 for Outward and Rs 500 for Inward clearing
Saadiq Saver, Saadiq Saver Plus and Saadiq Basic Saver:
Rs 500 for Outward and Rs 1,000 for Inward clearing

Same day clearing of high value

instrument via NIFT

Rs 250 flat

Standing Order Execution Charge

Rs 500 per transaction in addition to the usual charges

on remittances.

Default due to lack of funds on

Standing Instruction.
Stop Payment of Cheques

Rs 500 per transaction (or Foreign Currency equivalent)

Duplicate Statement of Account

Saadiq Current and Saadiq Sahulat Online Account: Rs 500

(or Foreign Currency equivalent)
Saadiq Saver and Saadiq Saver Plus: Rs 750 (or Foreign
Currency equivalent)
Saadiq Current and Saadiq Sahulat Online Account: Rs 35 (or Foreign
Currency equivalent)
Saadiq Saver, Saadiq Saver Plus and Saadiq Basic Saver Rs 35
(or Foreign Currency equivalent)

Online Transaction Fee for OverThe-Counter transactions

(not applicable on Saadiq Basic Saver
Account)

Savings Account: Upto Rs. 200 per transaction Transaction

Charge will be levied on all OTC Transactions if the monthly
average balance of Rs. 200,000 is not maintained in Saadiq
Saver and Saadiq Saver Plus account(or Foreign Currency
equivalent)
All transactions carried out at parent branch will be free of
charge

***Account Maintenance Fee applicable

to only Saadiq Saver and
Saadiq Saver Plus

Rs 50/- per month if monthly average balance in the account

falls below the minimum requirement for Local Currency
Foreign Currency equivalent of Rs 50 per month for Foreign
Currency accounts

* OnlineTransaction (intercity transaction) limit

Rs 400 per transaction will be levied (or Foreign currency
i) Saadiq Current Account
equivalent) if average balance of Rs 100K is not maintained
in the previous month
ii) Saadiq Sahulat Online Account
**** iii) Saadiq Saver, Saadiq Saver Plus
and Saadiq Basic Saver

Free limit upto Rs 1M per day. Rs 400 will be levied

on exceeding the limit (or Foreign currency equivalent)
Rs 400 per transaction will be levied (or Foreign currency
equivalent) if average balance of Rs 100K is not maintained
in the previous month

Pay Order Issuance

i) Saadiq Current Account
ii) Saadiq Sahulat Online Account
iii) Saadiq Saver, Saadiq Saver Plus
and Saadiq Basic Saver

Rs 125 (or Foreign Currency equivalent)

Rs 125 (or Foreign Currency equivalent)
Rs 225 (or Foreign Currency equivalent)

Pay Order Cancellation Charges

Rs 500 (or Foreign Currency equivalent)

14

Account balance and deposit requirement Monthly average

balance requirement
Special Savings Accounts
Zero
i) Saadiq Current Account
Zero
ii) Saadiq Sahulat Online Account
Zero
iii) Saadiq Current Account Foreign Currency
Rs 25,000
iv) Saadiq Saver
Rs 50,000
v) Saadiq Saver Plus
vi) Saadiq Saver and Saadiq Saver
USD 2,000; GBP 2,000;
Plus - Foreign Currency
EUR 2,000
Regular Savings Account
Zero
***** vii) Saadiq Basic Saver

Initial deposit requirement

Rs 5,000
Rs 50,000
USD 500; GBP 500;
EUR 500
Rs 25,000
Rs 50,000
USD 2,000; GBP 2,000;
EUR 2,000
Rs 100

Minimum deposit to open Saadiq Term

Deposit Account

Rs 50,000

Minimum deposit to open Saadiq Term

Deposit Account in Foreign Currency

USD 10,000; GBP 10,000; EUR 10,000

Phone Banking Charges

A waiver of 25% on normal charges

SMS Alert Fee

Up to Rs 100 per month or Rs 1200 per annum

Note: *

Online transaction charge is applicable to inter-city cash deposits and withdrawals and withdrawals via cheque only.
For Foreign Currency Accounts Equivalent Charges will be levied on Foreign Currency Transactions.
**
Cheque Return Charges can be deducted from dormant account where actual charges are paid to NIFT on account of inward cheques returned
unpaid.
*** The fee is inclusive of Federal Excise Duty in compliance with BPRD Circular Letter No. 27 of September 2010
**** Intercity charges are applicable on all Inter-city deposit and withdrawal transactions and inter-city account to account transfer of funds if the
customer is not maintaining an average balance of Rs 100K in the previous month for all current & savings accounts except Saadiq sahulat
Online Current Account. (Intercity charges applicable on all transactions for Saadiq Basic Saver account)
***** No initial deposit would be required for opening of accounts by (i) mustahqeen of Zakat, (ii) Students, (iii) Employees
of Government or Semi Government institutions for salary and pension purposes (including widows / children of deceased
employees eligible for family pension / benevolent fund grant, etc.

Saadiq Term Deposit Account premature encashment:

In case of premature upliftment, the account holder will receive profit for the last completed tenure based
on respective profit rates for the number of days the funds are held with the bank. However, this is
subject to a minimum investment period of 1 month. For upliftment within 1 month, profit will not be
payable, only principal will be returned.

*Safe Deposit Lockers

(To be recovered in advance or at start of the period yearly/ half yearly / quarterly as the case may be)

1. Extra Small

Up to Rs 2,000

2. Small

Up to Rs 4,000

3. Medium

Up to Rs 6,000

4. Large

Up to Rs 8,000

5. Key Deposit

Rs 2,000/locker (non-refundable)

6. Locker Breaking Charges

Actual Charges minimum Rs 5,000

7. Late Fee (in case locker falls in arrears

for more than one month)

Up to Rs 750 per month

*Note:

Locker facilities can be availed by account holders only

For SCBPL Staff all services are free however 50% locker annual fee will be charged

Branch Manager has the discretion to give waiver on Locker Fee based on customer relationship of Rs 500,000 in deposits

Locker rental charges may be deducted from dormant accounts, only if lockers are in operation

15

Saadiq Visa Debit Card

Issuance Fee

Saadiq Current and Saadiq Sahulat Online Account: Rs 600

Saadiq Saver and Saadiq Saver Plus: Rs 1,100
Saadiq Basic Saver : Rs 1,100

Annual Fee

Saadiq Current and Saadiq Sahulat Online Account: Rs 600

Saadiq Saver and Saadiq Saver Plus: Rs 1,100
Saadiq Basic Saver : Rs 1,100

Replacement Fee

Saadiq Current and Saadiq Sahulat Online Account: Rs 600

Saadiq Saver and Saadiq Saver Plus: Rs 1,100
Saadiq Basic Saver : Rs 1,100

Renewal Fee

NIL

POS Transaction Fee (International)

3% of transaction amount

ATM Cash Withdrawal

i) International Cash Withdrawal
ii) 1-Link ATMs Cash Withdrawal
iii) MNET ATMs Cash Withdrawal
iv) International Debit and Credit
Cards withdrawal on SCBPL ATM

3% per withdrawal
Rs 15 per withdrawal
Rs 15 per withdrawal
USD 1 or 3% of transaction amount whichever is higher

ATM Balance Inquiry

i) 1 Link ATMs
ii) MNET ATMs
iii) International ATM

Free
Rs 5 per transaction
Up to Rs 300

Voucher Retrieval Request Fee

i) Domestic
ii) International

Up to Rs 300
Up to Rs 750

* Arbitration Charges for disputed

transaction

USD 500 or equivalent per transaction

Inter Bank Fund Transfer

Up to Rs 100 per outgoing IBFT transaction

Ijarah Sukuk
Investment Portfolio Securities (IPS) Account
Applicable on GOP Debt Securities holding of Retail and SME Clients
1. For face value Holding of Up to
Rs 1 Million
2. For Face Value Holding of Rs 1 - 12
Million
3. For Face Value Holding of Rs > 12
Million
4. Transfer from or to IPS of another Bank

NIL
Rs 500 per month
0.05% p.a.
Up to Rs 500 per issue

* Arbitration Charges will not be levied if the decision is made in favour of the cardmember

16

Saadiq Priority & International Banking

Individual customers (including Non Resident Pakistanis) who maintain the below mentioned deposit balances
on relationship basis, will be eligible to avail to the following services free of charge:
Avg. quarterly balance of Rs. 3,000,000 and above in Rupee Current, PLS, and / or Term Deposit
Accounts
Avg. quarterly balance equivalent to Rs. 3,000,000 and above on FCY accounts

a) Debit Card:
Saadiq Platinum Visa Debit Card
Waiver on Annual Fee
Issuance / Replacement Fee of up to Rs 4,000

Saadiq PIA Co-brand Platinum

Visa Debit Card
Waiver on Annual Fee
Issuance / Replacement Fee of up to Rs 4,000

b) Banking Services:
1. Issuance of Pay Orders, Drafts and Telegraphic
Transfer.
2. Standing Instructions related to regular banking.
3. Cancellation of Pay Orders and Demand Drafts.
4. Issuance of Balance Confirmation Certificate
/ Proceed Realisation Certificate.
5. Collection of cheques (Local Currency / Foreign
Currency).
6. Inter-City Banking.
7. Duplicate Statement.

9.
10.
11.
12.
13.
14.
15.
16.
17.

c) Locker Facility:

Zakat Certificate.
Issuance of traveler cheques.
Stop payments of cheques.
Return of unpaid cheques.
Delivery of cheque books by courier.
Inward remittance.
Issuance of counter cheques.
Issuance of cheque books.
Free E-Statements.

d) Auto Loan / Lease:

50% waiver on regular processing fee.

50% waiver on 1st year locker rental fee for

locker issued between
1st January 2012 - 30th June 2012.
(on availability of lockers)

e) Credit Card(s):

f) Mortgage:

Annual and joining fee waivers on credit cards

50% waiver on regular processing fee.

g) Priority Banking Membership Fee:

Up to Rs. 5,000 per quarter
The fee will be waived off for Priority Banking
customers who are maintaining a six month average
balance of 3 million or more.

17

Saadiq Payroll Account

Cheque Book Issuance Charges
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account

Free
Platinum
Free

Gold
Rs 10 per leaf

Silver
Rs 20 per leaf

Cheque Return Charges

Saadiq Payroll Current Account: Rs 150 for Outward and

Rs 500 for Inward clearing
Saadiq Payroll Saving Account: Rs 500 for Outward and
Rs 1,000 for Inward clearing

Same day clearing of high value

instrument via NIFT

Rs 250 flat

Standing Order Execution Charge

i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account
Default due to lack of funds on standing
instructions
Stop Payment of Cheque
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account
Duplicate Statement of Account
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account
Transaction Charge

Account Maintenance Fee

i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account
*Online Banking (intercity transaction) limit
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account
Pay Order Issuance
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account

NIL
Rs 500 per transaction in addition to usual charges on
remittances
Rs 500 per transaction

Rs 500
Rs 750
Rs 25
Platinum
Free

Gold
Rs 35

Silver
Rs 35

Saadiq Payroll Current Account: No charge

Saadiq Payroll Saving Account: Up to Rs 200 per transaction
Transaction Charge will be levied on all OTC transactions if the
monthly average balance of upto Rs 100,000 is not maintained
in Saadiq Payroll Saving Account.
NIL
NIL
Rs 400 per transaction will be levied (or foreign currency
equivalent) if average balance of Rs 100K is not maintained
in the previous month
Free
Platinum
Free

Gold
Rs 225

Silver
Rs 225

Pay Order Cancellation Charges

Rs 500

Phone Banking Charges

A waiver of 25% on normal charges

Saadiq Visa Debit Card Issuance Fee

i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account

Free
Rs 1,100

Saadiq Visa Debit Card Annual /

Replacement / Renewal Fee
i) Saadiq Payroll Current Account
ii) Saadiq Payroll Saving Account

Free
Rs 1,100

Saadiq Visa Debit Card: POS Transaction

Fee (International)
ATM Cash Withdrawal
i) International Cash Withdrawal
ii) 1-Link ATM Cash Withdrawal
iii) MNET ATM Cash Withdrawal
International Credit Cards withdrawal on
SCBPL ATM

3% of transaction amount

3% per withdrawal
Rs 15 per withdrawal
Rs 15 per withdrawal
USD 1 or 3% of transaction amount whichever is higher

*Note: Online Transaction Charge is applicable to inter-city cash deposits, withdrawals and withdrawals via cheque only.

18

Voucher Retrieval Request Fee

i) Domestic
ii) International

Up to Rs 300
Up to Rs 750

ATM Balance Inquiry

i) 1-Link ATM
ii) MNET ATM
iii) International ATM

Free
Rs 5 per transaction
Up to Rs 300

*Arbitration Charges for disputed

transaction

USD 500 or equivalent per transaction

Saadiq Payroll Saving Account Classification

Segment

Monthly Gross Salary

Platinum

Rs 200,000 and above

Gold

Rs 50,000 to less than Rs 200,000

Silver

Less than Rs 50,000

Saadiq Consumer Financing

Saadiq Visa Credit Card

Gold

Gold Plus

PIA PIA Platinum

Platinum/
Plus /
Platinum Platinum
Plus

Rs 1,000
Up to
Rs 5,000
Up to
Rs 2,500
Up to
Rs 4,500

Rs 1,000
Up to
Rs 5,000
Up to
Rs 2,500
Up to
Rs 6,000

Rs 2,000
Up to
Rs 8,000
Up to
Rs 4,000
Up to
Rs 8,000

Classic Classic
Blue

Joining Fee
Annual Fee
Supplementary Annual Fee
Maintenance Fee

Rs 500
Up to
Rs 3,000
Up to
Rs 1,000
Up to
Rs 1,500

Rs 500
Up to
Rs 3,000
Up to
Rs 1,000
Up to
Rs 3,000

Rs 2,000
Up to
Rs 8,000
Up to
Rs 4,000
Up to
Rs 18,000

Other Fees and Charges

Late Payment Charges

NIL

**Cash Advance Service Fee

Overlimit Processing Fee

Up to Rs 1,000 per transaction

Rs 1,000 per transaction

Balance Transfer Processing Fee

Up to Rs 1,000 per transfer

Direct Debit Fee

Up to Rs 1,000 per transaction

Funds Transfer Charges

Up to Rs 1,000 for all cards

Card Conversion Fee

Up to Rs 1,000 for all cards

***SMS / Email Alert Services Fee

Up to Rs 100 per month or Rs 1,200 per annum

Voucher Retrieval Fee

Local
Foreign

Rs 250 per document

Rs 800 per document

Arbitration Charges for Disputed

Transaction
Card Replacement Fee

Up to USD 500 or equivalent per transaction

Cheque Return Charges/Insufficient

Funds on Auto Debit

Up to Rs 1,000 per transaction

Rs 200 per card

Pay Order / Demand Draft Issuance Fee Up to Rs 1,000 for all cards
Duplicate Statement Fee

NIL

Note:
*Arbitration Charges will not be levied if the decision is made in favour of the Cardmember.
**Plus all charges passed on by acquiring bank, advance tax of 0.2% of the value of transaction or the sum of all transactions in a
day exceeding Rs 50,000
***Free SMS alert will be sent to credit card customers informing about outstanding amount, minimum amount due and that
e-statement has been sent via e-mail. Also SMS sent to serve 14 days notice before proceeding for debt recovery will be free of charge

19

Foreign Transaction Charge

Foreign Currency transactions processed through foreign

merchants or otherwise will incur a foreign transaction
charge of 3.5% of the transaction amount

Credit Worthiness Certificate

1 Certificate per half year free: subsequent requests, up to

Rs 200 per certificate

Safe Custody Charges on Post Dated

Cheques

Rs 500 per cheque

Utility Bill Payment Service Fee

Up to Rs 1,000 per transaction

*Convenience Service Fee

Up to Rs 2,500 per transaction

Mehfooz Takaful (Optional feature)

Rs. 199 per month

International Credit Cards withdrawal

on SCBPL ATM

USD 1 or 3% of transaction amount whichever is higher

Saadiq Auto Financing

Processing Fee (Non refundable)

Up to Rs 10,000

External Agency Fee

Up to Rs 3,000

Early Purchase Processing Charges

Appraisal Fee (Used Cars)

Up to 7.5% of outstanding amount in 5th Year.

Up to 10% of outstanding amount in 3rd and 4th Year.
Up to 13% of outstanding amount in 1st and 2nd Year
Up to Rs 10,000

Repossession Charges

Up to Rs 30,000

Valuation Fee

Up to Rs 10,000

Legal Fee

Up to Rs 30,000

Repossessed Vehicle Storage Charges

Up to Rs 10,000

Cheque Return Charges

Rs 500

Non-Payment due to lack of funds

(standing instructions)

Rs 500

**Late Payment Charges

Up to Rs 1,000 per installment

Vehicle Insurance / Takaful

Up to 7.5% of the vehicle value

Duplicate Amortisation Schedule Issuance

Charge

Rs 500

Tax Certificate Issuance Charges

Rs 500

Cheque / Cash pick up from office /

residence

Up to Rs 1,500

Cash deposit into Repayment Account

Up to Rs 500

Cheque deposit into drop box

Up to Rs 500

Saadiq Home Financing

Processing Fee (Non-refundable)

Up to Rs 10,000 or 0.1% of financing amount, whichever is higher

Appraisal Fee (Ready Property)

Up to Rs 10,000

Appraisal for Land

Up to Rs 5,000

Appraisal for Constructed Property

Up to Rs 5,000

Subsequent Stage wise Appraisal

Up to Rs 6,000 (lncludes confirmation that the Construction

Stage is completed as per the Construction Schedule and
the customer has utilised the full value of tranche into
Construction of the Property)
upto 6.5% of the settlement amount

Early settlement Charge

* This charge will be levied on processing of transactions, such as payment of educational institution fee,
club membership fee, etc. upon customer / cardmember instruction.
** To be paid out in charity in accordance with the bank's charity fund policy approved by the banks Shariah Advisor.

20

Legal Fee

Up to Rs 12,000

Switching Fee

Up to 7% Outstanding Amount

Cheque Return Charges

Rs 500

Non-Payment due to lack of funds

(Standing instructions)

Rs 500

*Late Payment Charges

Up to Rs 1,000 or 2% per month on amount overdue

Pre-Payment Fee

Up to 10% of the Outstanding Balance

Asset Re-possession Charges

Court Fee
Legal Fee

Up to Rs 60,000/- (or at Actual)

Up to Rs 30,000/- (or at Actual)

Property Insurance / Takaful

Up to 0.75% of the financing amount

Life Insurance Cover / Takaful

Up to 0.75% of the loan amount

Duplicate Amortisation
Schedule Issuance Charge

Rs 500

Tax Certificate Issuance Charges

Rs 500

Cheque Deposit into Drop Box

Up to Rs 500

Saadiq Personal Finance

Application Processing Fee (Inclusive of
stamp duty and Non-Refundable)

Rs 5,000 or 1% of the finance amount

whichever is higher

Prepayment Charges

- 10% if prepaid within 12 months of disbursal of finance

- 5% if prepaid after 12 months of disbursal of finance

* Late Payment Charges

Rs 500

Profit Rate

25% - 38% Per annum

Cheque Return Charges / Insufficient

Funds on Standing Instructions

Rs 500

Default due to lack of funds on standing

instructions

Rs 500

* To be paid out in charity in accordance with the banks charity fund policy approved by the banks Shariah Advisor

21

General Conditions:
1. The benefits mentioned in each DREAMPACK are only applicable when all the products of the
set are availed together and are activated within 90 days of Account Opening.
2. Terms and Conditions pertaining to each product in the DREAMPACK remain the same
3. Where applicable, only 25 leaf cheque book is for free
4. In case, where one of the products in your chosen DREAMPACK bundle is declined due to any
reason, you will still receive the other products mentioned in that DREAMPACK under the same
terms and conditions.
5. Bank reserves the right to approve or reject any product from the bundle without assigning any
reason.

Saadiq Asaan
Benefit:
1. Rs 200 discount on Visa Debit Card Issuance Fee
2. First 25 leaf cheque book Fee

Benefit:
1. Rs 200 discount on Visa Debit Card Issuance Fee
2. First 25 leaf cheque book Fee

Benefit:
1. Rs 200 discount on Visa Debit Card Issuance Fee
2. First 25 leaf cheque book Fee

Benefit:
1. Discounted rates on Home Financing
2. Credit Card Annual fee waived

22

Saadiq Karobar
Benefit:
1. Free cheque book for Saadiq Sahulat Online account
2. No pay order Issuance Fee on Saadiq Sahulat Online account
3. No Intercity Online transaction charges on Saadiq Sahulat Online account

Ala Carte
1. Rs 200 discount to be offered to customer who purchases Muhafiz at the time of purchasing
the bundle.

DREAMPACK for Employee Banking Customers

Bundle benefits based on product selected

1. Free cheque book for all bundle customers
2. Spend based rewards on Saadiq Credit Cards: if customer spends Rs 10,000 per month
in the first three months, Rs 1,000 Cashback will be rewarded,
3. Lifetime Annual Fee waiver on Credit Card
4. Muhafiz Takaful: Discount of Rs 200 on Annual Premium
NOTE:
- Inherent Employee Banking benefits for Platinum, Gold and Silver packages will remain applicable on top of the DreamPack bundle
benefits.
- Standard Chartered Bank (Pakistan) Limited has the right to retract fee waivers and other benefits that apply to an Employee Banking
customer if the salary is not credited to the payroll account for three consecutive months.

23

Saadiq SME
Financing Products
Legal
Interim Review Fee

As per Actual

Review Fee

Minimum Rs 5,000
Minimum Rs 5,000

Penalty for Late Payment

Upon maximum rate as per the Customer Agreement

Miscellaneous Charges

As per Actual

Replacement of Securities under lien

with the Bank

NIL

Lodging of Govt. Securities issued by

other banks, Handling Charges for
marking of lien will be recovered

NIL

Fee for verifying and marking lien on

Govt. Securities issued by the bank on
request of third party.

NIL

Collection of Profit Coupons on Govt.

Savings Certificates issued by other
banks/saving centres under lien to Bank

NIL

Handling Charges for deposit of shares and other securities in safe custody marked under lien for banking
facilities will be as follows:
Charges for Holding Bearer Securities in
safe custody on behalf of customers
against banking facilities

0.20% per Annum

Financing against pledge / hypothecation

Godown rent / staff salaries

As per Actual

Inspection Charges

Within municipal limits Rs. 5,000. Outside limits

Rs 7,500 per day

Registration of Charge at Registrar's

Office

As per Actual

Processing Charges on Excess Over

Limit (EOL,OTT etc.)

Rs. 1 Million

Note :

- All trade related transactional charges/fees for SME are same as mentioned in Wholesale Banking Section. Charges
relating to SME customers may differ as a result of an agreement between the concerned customer and the bank.
- Discount may be allowed to customers in the above mentioned charges subject to managements approval.

24

Saadiq SME

Cash Management
(For SME Banking)
A. Straight2Bank - Web
1. One - Time Setup Charges
Setup and Implementation
Up to Rs 15,000 inclusive of 2 Vasco devices
Approver Device (Vasco / Smartcard)
Up to Rs 6,000 per device
Corporate Cheque Module Setup
Up to Rs 5,000 per account
Training
Rs 2,000

2. Monthly Charges
Straight2Bank: Transaction Initiation and Reporting Module
Up to Rs 6,000 per month
Straight2Bank Reporting Only Module
Up to Rs 3,000 per month
Straight2Bank: Multi Bank Reporting (MT940/MT950)
Up to Rs 5,000 per account per month

3. Straight2Bank - Infomanager
Monthly Charge
Up to Rs 3,000 per month

B. Straight2Bank - Access
Setup and Implementation
Up to Rs 100,000
Monthly Charge
Up to Rs 10,000

C. Straight2Bank - Transaction Fee

Pay Order
Rs 300 per pay order or as per agreement with customer
Demand Draft
Up to 0.3%; Minimum Rs 1,000 or as per agreement with client
25

Saadiq SME
Corporate Cheque
Corporate Cheque
up to Rs 100 per instrument
Onsite Cheque printing at customer premises
up to Rs 300 per instrument
Outward TT
Up to USD 25 or equivalent Local Currency
LC Amendment
As per islamic SOC
LC Issuance
As per islamic SOC
Guarantee Amendment
As per islamic SOC
Guarantee Issuance
As per islamic SOC
Book Transfer
Up to Rs 100 per transfer
Onsite Cheque Printing at Customer Premises
Up to Rs 300 per instrument

D. Electronic Funds Transfer

1. Set up and Maintenance Charges
First Time Set up
Up to Rs 100,000
Monthly Maintenance
Up to Rs 5,000
Training per Visit to Client
Up to Rs 15,000

2. Transaction Charges
Electronic Funds Transfer
Up to Rs 100 per transfer
Rejection due to Insufficient Funds
Up to Rs 25 per rejection
Stop Payment
Up to Rs 25 per stop payment requirement
Return Item
Up to Rs 100 per item

26

Complaints?
Suggestions?
Please contact us through any of the following:
Call:
111-002-002
Fax:
+92-21-38140902
e-mail:
ask.us@sc.com
Web:
www.standardchartered.com.pk
Post :
Complaint Management Unit,
Standard Chartered Bank, 1st Floor,
NJI Building, I.I. Chundrigar Road, Karachi.
Please obtain your tracking number for reference.

Standard Chartered Bank (Pakistan) Limited

has branches in the following cities:
Sindh
Karachi and Hyderabad
Punjab
Lahore, Chung, Faisalabad,
Gujranwala, Gujrat, Jhelum,
Multan, Rabwa, Rahim Yar Khan,
Raiwind, Rawalpindi, Sargodha,
Sheikhupura and Sialkot

Khyber Pakhtunkhwa
Abbotabad, Mardan, Peshawar
and Swat
Balochistan
Quetta
Federal Capital
Islamabad
Azad Jammu Kashmir
Mirpur (A.J.K.)

Islamic Banking Branches

Karachi
Trade Tower Branch, Abdullah Haroon Road, Karachi Phone Number: 021-35657455
Muhammad Ali Society Branch, Shop No.4, Plot No. F-1, Survey Sheet No. 35-P/Q Muhammad
Ali Memorial Co-Operative Housing Society, Karachi
Phone Number: 021-34397604
Defence Phase IV Branch, Plot No. 37-C, Sunset Comm. Street No.1, Defence, Karachi
Phone Number: 021-35313182
Khayaban-e-Hafiz Branch, Plot # 23-C,Lane 2, Shahbaz Commercial Area
Gulistan-e-Jauhar Branch, Al-Fiza Tower SB-38, Block 14, Gulistan-e-Jauhar
Al Tijarah Islamic Branch Shop No. S-6 and S-7, Ground Floor, Al-Tijarah Centre, Plot No, 32-1-A,
Block 6, P.E.C.H.S, Shahrah-e-Faisal, Karachi
Lahore
Gulberg Branch, 85-A, D/1, Gulberg III, Lahore. Phone Number: 042-35781527
Shahalam Branch, 40-Shahalam Market, Lahore
Phone Number: 042-37376814
Azam Cloth Market Branch, Ist floor, Haji Topi Pahalwan Plaza, Azam Cloth Market, Lahore
Islamabad
G-9 Markaz Branch,16-B, Al-Rehman, G-9 Markaz, Islamabad
Phone Number: 051-2285666
Faisalabad
Madina Town Branch, S-1, S-2, Susan Road, Madina Town, Faisalabad
Phone Number: 041-8555834
Khyber Pakhtunkhwa
University Town Branch, Jabbar Flats, Flat No. 2, Main Jamrud Road, Peshawar
Phone Number: 091-5854359
Hayatabad Branch, G.B. Plaza Jamrud Road, Hayatabad, Peshawar
Phone Number: 091-5813437
Mardan Branch, Cantonment Plaza Mall Road, Mardan
Phone Number: 093-7874419

Complete list of branches with addresses, phone numbers,

location maps and services are available on our website
www.standardchartered.com.pk

Standard Chartered Bank (Pakistan) Limited

Call 111-002-002