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Deposit Products Scheme


Deposit Products Scheme of NBP Aitemaad - Islamic Banking are as follows

AITEMAAD CURRENT ACCOUNT - PKR

AITEMAAD CURRENT ACCOUNT - FCY

AITEMAAD SAVING ACCOUNT

AITEMAAD TERM DEPOSIT CERTIFICATE

AITEMAAD BASIC BANKING ACCOUNT

AITEMAAD ASAAN CURRENT ACCOUNT

AITEMAAD ASAAN SAVING ACCOUNT

AITEMAAD MAHANA BACHAT ACCOUNT

AITEMAAD INCOME SUPPORT ACCOUNT

AITEMAAD SENIOR ACCOUNT

AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – ISLAMIC FINANCIAL INSTITUTIONS

AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – NON BANKING FINANCIAL INSTITUTIONS (NBFIs)

 

AITEMAAD CURRENT ACCOUNT-PKR (BASIC FEATURES AND BENEFITS)

Underlying Islamic Mode Qardh
Type of Product Current (Regular Non-Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100/- 
However, no initial deposit would be required for Mustahkeen of Zakat, Students, 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.) 
Customer Type

Adult Individual 

Sole Proprietorship 

Minor 

Partnership   Limited Company / Corporation 

NGO / NPO / Charity 

Agent 

Executor and Administrator 

Trust / Club / Society / Association 

Government Office Account (all types)

Profit Payment Not Applicable
Loss Distribution Not Applicable
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account: 

Cheque Book, 

Debit Card, 

Pay Order, 

Demand Draft, 

SMS Alerts, 

Statement of Account, 

Lockers,  

Online Banking (across the NBP network),  

Digital Banking, etc.

Presently, this product is NOT eligible for Free Benefits. However, product related charges / fees / waiver / grid / criteria will be updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

Note: All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

 

AITEMAAD CURRENT ACCOUNT-FCY(BASIC FEATURES AND BENEFITS)

Underlying Islamic Mode Qardh
Type of Product Current (Non-Remunerative Account)
Currency

United State Dollar (USD)

Great Britain Sterling Pound (GBP)

European Currency (EURO)

Minimum / initial amount for opening an account 

USD 100/-

GBP 100/-

EURO 100/-

Customer Type

Adult Individual

Sole Proprietorship

Minor

Partnership  Limited Company / Corporation

NGO / NPO / Charity

Agent

Executor and Administrator

Trust / Club / Society / Association

Government Office Account (all types)

Profit Payment Not Applicable
Loss Distribution Not Applicable
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account:

Cheque Book,

Pay Order,

Demand Draft,

Statement of Account, etc.

Presently, this product is NOT eligible for Free Benefits. However, product related charges / fees / waiver / grid / criteria will be updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

Note: All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

 

AITEMAAD SAVING ACCOUNT  (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Regular Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100/- 
 
However, no initial deposit would be required for Mustahkeen of Zakat, Students, 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.) 
Customer Type

Adult Individual

Sole Proprietorship

Minor

Partnership 

Limited Company / Corporation

NGO / NPO / Charity

Agent

Executor and Administrator

Trust / Club / Society / Association

Government Office Account (all types)

Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the ASA account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account:

Cheque Book,

Debit Card,

Pay Order,

Demand Draft,

SMS Alerts,

Statement of Account,

Lockers, 

Online Banking (across the NBP network),

Digital Banking, etc.

Presently, this product is NOT eligible for Free Benefits. However, product related charges / fees / waiver / grid / criteria will be updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

Note: All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

 

AITEMAAD TERM DEPOSIT CERTIFICATE (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Term (Remunerative Certificate)
Currency Pakistani Rupees (PKR)
Minimum amount  PKR 10,000/-
for Issuance of Certificate
Customer Type  

Adult Individual   

Sole Proprietorship   

Minor   

Partnership    

Limited Company / Corporation   

NGO / NPO / Charity   

Agent   

Executor and Administrator   

Trust / Club / Society / Association   

Government Office Account (all types)

Tenure 1 Month, 2 Months, 3 Months, 6 Months, 1 Year to 5 Years
Instruction No Renewal

Renewal with principal only

Profit Calculation Daily Product
Profit Payment Option Monthly and Maturity 
Premature Encashment Option Withdrawal is possible as per banks’ approved premature encashment schedule
Loss Distribution In the event of loss, the ATDC holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.

 

AITEMAAD BASIC BANKING ACCOUNT (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Qardh
Type of Product Current (Non-Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 1,000/-
Customer Type Adult Individual
Minor
Profit Payment Not Applicable
Loss Distribution Not Applicable
Restriction on withdrawals / credit transactions Maximum two (02) deposit transactions and two (02) withdrawal transactions are allowed (in total four transactions) in a month through cash / clearing except for ATM withdrawals and system generated debit transactions.
Restriction on low  No
account balance
Schedule of Charges Following facilities are available for this account:
 
Cheque Book,
Debit Card
Pay Order,
Demand Draft,
SMS Alerts,
Statement of Account,
Lockers, 
Online Banking (across the NBP network), 
Digital Banking, etc.
 
Presently, this product is eligible for Free Statement of Account as all-time Benefits. However, product related charges / fees / waiver / grid / criteria will be updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.
 
Note: All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

 

AITEMAAD ASAAN CURRENT ACCOUNT (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Qardh
Type of Product Current (Non-Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100/-
Customer Type   Adult Individual
  Minor
Includes Skilled / unskilled workforce, Less educated / uneducated people, laborers / daily wagers, women / housewives, self-employed individuals, pensioners, young adult population, etc.
Profit Payment Not Applicable
Loss Distribution Not Applicable
Restriction on withdrawals / credit transactions Total Debit per month PKR 500,000/- 
Total Credit Balance Limit PKR 500,000/-
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account: 

Cheque Book, 

Debit Card  Pay Order, 

Demand Draft, 

SMS Alerts, 

Statement of Account, 

Lockers,  

Online Banking (across the NBP network),  

Digital Banking, etc.

All Time Free Benefits  

Cheque Book (issuance) 

Debit Card (issuance & annual fee)

Note: 

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs). 

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD ASAAN SAVING ACCOUNT  (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100/-
Customer Type Adult Individual
Minor
Includes Skilled / unskilled workforce, Less educated / uneducated people, laborers / daily wagers, women / housewives, self-employed individuals, pensioners, young adult population, etc.
Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the AASA account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions Total Debit per month PKR 500,000/- 
Total Credit Balance Limit PKR 500,000/ (except AASA related profit payment and taxes / charges).
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account:

Cheque Book,

Debit Card,

Pay Order,

Demand Draft,

SMS Alerts,

Statement of Account, 

Lockers,  

Online Banking (across the NBP network), 

Digital Banking, etc.

All Time Free Benefits  

Cheque Book (issuance) 

Debit Card (issuance & annual fee)

Note: 

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs). 

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD MAHANA BACHAT ACCOUNT (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  For Type – I  (Adult Individual & Minor) PKR 1,000/-
For Type – II (Sole Proprietorship), PKR 2,500/-
For Type – III (Partnership / Limited Company / Corporation / NGO / NPO / Charity / Agent / Executor and Administrator / Trust / Club / Society / Association / Government Office Account  PKR 5,000/-
Customer Type

Adult Individual 

Minor 

Sole Proprietorship 

Partnership  

Limited Company / Corporation 

NGO / NPO / Charity 

Agent 

Executor and Administrator 

Trust / Club / Society / Association 

Government Office Account (all types)

Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the AMBA account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account: 

Cheque Book, 

Debit Card, 

Pay Order, 

Demand Draft, 

SMS Alerts, 

Statement of Account,  Lockers,  

Online Banking (across the NBP network),  

Digital Banking, etc.

Eligible Criteria For Free Benefits 

If AMBA account holder’s daily average balance (monthly average balance) of previous month is equal to or greater than PKR 500,000/- for Type-I and PKR 1,000,000/- for Type-II & Type-III then following free benefits will be offered for the current month. 

Cheque Book – (issuance)  

Pay Order – (issuance)  Demand Draft – (issuance)

In case of AMBA is opened during the month and AMBA account holder wants to avail above free benefits then current/present balance must be equal to or greater than PKR 500,000/- for Type-I and PKR 1,000,000/- for Type-II & Type-III.

Note: 

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs). 

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD INCOME SUPPORT ACCOUNT (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 1,000/-  
Customer Type Adult Individual
Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the AISA account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account: 

Cheque Book, 

Debit Card, 

Pay Order, 

Demand Draft, 

SMS Alerts, 

Statement of Account, 

Lockers, 

Online Banking (across the NBP network),  

Digital Banking, etc.

Eligible Criteria For Free Benefits 

If AISA account holder’s daily average balance (monthly average balance) of previous month is equal to or greater than PKR 100,000/- then following free benefits will be offered for the current month. 

Cheque Book – (issuance)  

Debit Card – (issuance and annual fee)

In case of AISA is opened during the month and AISA account holder wants to avail above free benefits then current/present balance must be equal to or greater than PKR 100,000/-.

Note: 

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs). 

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD SENIOR ACCOUNT (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 1,000/-  
Customer Type

Adult Individual

Senior Citizen (55 year and above)

Pensioners (55 year and above)

Retired Employees (55 year and above)

Widow (18 year and above)

Special / Disable Person (18 year and above)

Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the ASr.A account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account:

Cheque Book,

Debit Card,

Pay Order,

Demand Draft,

SMS Alerts,

Statement of Account,

Lockers,

Online Banking (across the NBP network), 

Digital Banking, etc.

All Time Free Benefits 

Cheque Book (issuance)

Debit Card (issuance & annual fee)

Note:

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – ISLAMIC FINANCIAL INSTITUTIONS (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100,000/-  
Customer Type Islamic Financial Institutions (IFIs) which include full fledge Islamic Banks and Islamic Banking windows of Conventional Banks.
Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the AIDA-IFIs account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges

Following facilities are available for this account:

Cheque Book,

Pay Order,

Demand Draft,

Statement of Account, etc.

Note:

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 

AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – NON BANKING FINANCIAL INSTITUTIONS (NBFIs)  (BASIC FEATURES AND BENEFITS)
Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account  PKR 100,000/-  
Customer Type Non-Banking Financial Institutions (NBFIs) which include Asset Management Companies, Mudharabah Companies, Islamic Funds, Takaful Companies, Life Insurance Companies, Waqf / Trust / Charity Accounts, Other categories as per prudential regulation of SBP.
Profit Calculation Daily Product
Profit Payment Monthly
Loss Distribution In the event of loss, the AIDA-NBFIs account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Restriction on withdrawals / credit transactions No
Restriction on low  No
account balance
Overdraft allowed No
Schedule of Charges Following facilities are available for this account:

Cheque Book,

Pay Order,

Demand Draft,

Statement of Account, etc.

Note:

All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time.

 




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