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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 Basic Banking Account

Aitemaad Saving Account - PKR

Aitemaad Term Deposit Certificate

Aitemaad Asaan Current Account

Aitemaad Asaan Saving Account

Aitemaad Mahana Bachat Account (AMBA)

Aitemaad Income Support Account

Aitemaad Senior Account (ASr.A)

Aitemaad Institutional Deposit Account - IFIs (AIDA - IFIs)

Aitemaad Institutional Deposit Account - NBFIs (AIDA - NBFIs)

 

Aitemaad Current Account - PKR

Aitemaad Current Account - English Information Brochure
Aitemaad Current Account - Urdu Information Brochure

Aitemaad Current Account provides customers the convenience of putting their funds in a 'Riba Free' account and accessing it without any restrictions on withdrawal while enjoying a host of professional conveniences from NBP Aitemaad – Islamic Banking.

The account is ideally suited for
  • Individuals
  • Sole Proprietorships
  • Partnerships
  • Corporates

Basic Features
  • Account can be opened in Pakistani Rupees (PKR)
  • Minimum amount for opening account is PKR 500/-
  • No service charges on low account balance
  • No restriction on daily withdrawals or number of transactions
  • Online Banking services available at all nationwide branches
  • Debit Card (24/7 account access through 1-Link)
  • Free Account Statements once every six months
 
Aitemaad Current Account – FCY

Aitemaad Current Account provides Customers the convenience of putting their funds in a 'Riba Free' account and accessing it without any restrictions on withdrawal while enjoying a host of professional conveniences from NBP Aitemaad – Islamic Banking.

The account is ideally suited for
  • Individuals
  • Sole Proprietorships
  • Partnerships
  • Corporates

Basic Features
  • Account can be opened in USD, GBP and EURO
  • Minimum amount for account opening is 100/- in USD, GBP and EURO
  • No service charges on low account balance
  • No restriction on daily withdrawals or number of transactions
  • Free Account Statements once every six months
 
Aitemaad Basic Banking Account

Aitemaad Basic Banking Account is designed on Qardh contract for low income 'Individuals' only. The purpose of this account is to facilitate Customer with minimum requirements for account opening.

Basic Features
  • Account can be opened in Pakistani Rupees (PKR)
  • Minimum amount for opening account is PKR 100/-
  • Maximum two deposit transaction and two withdrawal transactions are allowed
  • No service charges on low account balance
 
Aitemaad Saving Account - PKR
Aitemaad Saving Account - English Information Brochure
Aitemaad Saving Account - Urdu Information Brochure

Aitemaad Saving Account is a regular banking account for those who have intentions to earn Halaal profit on their savings.

The account is ideally suited for
  • Individuals
  • Sole Proprietorships
  • Partnerships
  • Corporates


Basic Features
  • Account can be opened in Pakistani Rupees (PKR)
  • Minimum amount for account opening:
  • Individuals

PKR 100

  • Students, Widows, Pensioners

No requirement

  • Sole Proprietorship / Partnership / Corporate

PKR 50,000


  • Halaal profit with competitive rates
  • Profit will be calculated on average daily balance (daily product) basis and paid on monthly basis
  • No service charges on low account balance
  • No restriction on daily withdrawals or number of transactions
  • Online Banking services available at all nationwide branches
  • Debit Card (24/7 account access through 1-Link)
  • Free Account Statements once every six months
 
Aitemaad Term Deposit Certificate
Aitemaad Term Deposit - English Information Brochure
Aitemaad Term Deposit - Urdu Information Brochure

Aitemaad Term Deposit Certificate is a wide range of term deposit schemes available from short term to long term period for those customers who are willing to keep their investment with the bank and receive a comparatively higher expected profit.

The account is ideally suited for
  • Individuals
  • Sole Proprietorships
  • Partnerships
  • Corporates

Basic Features
  • Halaal, with competitive profit rates
  • Minimum amount of investment is PKR 10,000/-
  • Wide range of saving certificates (1 month, 3 months, 6 months, 1 year to 5 years)
  • Different profit payment options (monthly, quarterly, six monthly and maturity)
  • Profit will be calculated on average daily balance (daily product) basis and will be credited on the  customer’s linked account as per selected profit payment option
  • Different profit weightages will be offered depending upon the customer's selection of tenure, investment amount and profit payment options
  • Premature withdrawal can be possible as per the bank's approved schedule

Pre-requisite
To have an Aitemaad Term Deposit Certificate, customer must be an account holder of NBP Aitemaad.
 
Aitemaad Asaan Current Account
Aitemaad Current Account - Information Brochure

The account is ideally suited for
  • Skilled/unskilled work force
  • Less educated/uneducated people 
  • Daily wagers, women and Self Employed
  • Individuals
  • Pensioners
  • Young Adult Population

Basic Features
  • Account can be opened in Pakistani Rupees (PKR)
  • Minimum amount for opening account is PKR 100/-
  • Maximum withdrawal limit is PKR 500,000/- per month
  • Maximum credit balance limit is PKR 500,000/- per month
  • No service charges on low account balance
  • Online Banking services available at all nationwide branches
  • Issuance of Debit Card and Cheque Book
 
Aitemaad Asaan Saving Account
Aitemaad Saving Account - Information Brochure
The account is ideally suited for
  • Skilled/unskilled work force
  • Less educated/uneducated people 
  • Daily wagers, women and Self Employed
  • Individuals
  • Pensioners
  • Young Adult Population

Basic Features
  • Account can be opened in Pakistani Rupees (PKR)
  • Minimum amount for opening account is PKR 100/-
  • Maximum withdrawal limit is PKR 500,000/- per month
  • Maximum credit balance limit is PKR 500,000/- per month
  • Profit will be calculated on average daily balance (daily product) basis and paid on monthly basis
  • No service charges on low account balance
  • Online Banking services available at all nationwide branches
  • Free Debit Card and Cheque Book
 
Aitemaad Mahana Bachat Account (AMBA)

is designed exclusively for those customers, who want to keep their large savings with the Bank and earn comparatively higher Shariah compliant profit on monthly basis.

AMBA is a remunerative checking account wherein an initial deposit is placed with the Bank and then further deposits and withdrawals will be made by the AMBA account holder. The AMBA account holder can deposit and withdraw funds by Cheque / ATM Card / Online Banking, etc. without any restriction of number of transactions and minimum balance.

Basic Features of AMBA


Underlying Islamic Mode

Mudharabah (Un-restricted)

Type of Product

Saving (Remunerative Checking Account)

Currency

Pakistani Rupees (PKR)

Minimum amount for  Account Opening

  • individual                        PKR 100,000/-
  • sole proprietorship           PKR 250,000/-
  • corporate / partnership     PKR 500,000/-

Customer Type

  • individual
  • sole proprietorship
  • corporate / partnership

Profit Calculation

Daily Product (on value dated day end balance)

Profit Payment

Monthly (with value date 1st of every month)

Tiers / Slabs

Multiple (tier selection based on value dated day end balance)

Restriction on withdrawals / credit transactions

No restriction on daily withdrawals or number of transactions

Restriction  on low account balance

No service charges on low account balance

Overdraft allowed

No

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 of loss due to the Bank’s negligence, total loss shall be borne by the Bank.

Government Taxes/Levies

All Government taxes and levies for services offered whether free or charged as per Schedule of Charges (SOCs) of NBP Aitemaad will be recovered from the AMBA account holder.

Eligibility Criteria for Free
of Cost Services

If AMBA account holder’s daily average balance (monthly average balance) of previous month is equal and greater than PKR 1,000,000/- for (i) individual and PKR 5,000,000/- for (ii) sole proprietorship, (iii) corporate/partnership then following service will be offered free of cost:

  • Issuance of Cheque Book
  • Issuance of Payorder
  • Online Banking across the NBP network

(Islamic to Conventional)

In case of AMBA is opened during the month and AMBA account holder wants to avail above free services then current/present balance must be equal and greater than PKR 1,000,000/- for (i) individual and PKR 5,000,000/- for (ii) sole proprietorship, (iii) corporate / partnership.

 
Aitemaad Income Support Account

(AISA) is designed exclusively for small savers Individuals, who want to keep their savings with the Bank and earn Shariah compliant profit on monthly basis. Since the product is target only individuals, therefore no company or commercial accounts will be entertained. 

AISA is a remunerative checking account wherein an initial deposit is placed with the Bank and then further deposits and withdrawals will be made by the AISA account holder. The AISA account holder can deposit and withdraw funds by Cheque / ATM Card / Online Banking, etc. without any restriction of number of transactions and minimum balance.

Basic Features of AISA


Underlying Islamic Mode

Mudharabah (Un-restricted)

Type of Product

Saving (Remunerative Checking Account)

Currency

Pakistani Rupees (PKR)

Minimum amount for  Account Opening

PKR 25,000/-

Customer Type

Individual (single or joint capacity)

Only single account will be allowed per CNIC as an Individual nationwide; however an individual can open second account with his/her immediate family members. Not more than two accounts will be allowed in any case.

Profit Calculation

Daily Product  (on value dated day end balance)

Profit Payment

Monthly (with value date 1st of every month)

Tiers / Slabs

Multiple (tier selection based on value dated day end balance)

Restriction on withdrawals / credit transactions

No restriction on daily withdrawals or number of transactions

Restriction  on low account balance

No service charges on low account balance

Overdraft allowed

No

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 of loss due to the Bank’s negligence, total loss shall be borne by the Bank.

Government Taxes/Levies

All Government taxes and levies for services offered whether free or charged as per Schedule of Charges (SOCs) of NBP Aitemaad will be recovered from the AISA account holder.

Eligibility Criteria for Free
of Cost Services

Scenario#1
If AISA account holder’s daily average balance (monthly average balance) of previous month is equal and greater than PKR 1,000,000/- then following service will be offered free of cost:

  • Online Banking across the NBP network

(Islamic to Conventional)
Scenario#2
If AISA account holder’s daily average balance (monthly average balance) of previous month is equal and greater than PKR 100,000/- then following service will be offered free of cost:

  • Issuance of ATM Card
  • Monthly SMS Alerts

 

In case of AISA is opened during the month and AISA account holder wants to avail above free services then current/present balance must be equal and greater than PKR 1,000,000/- for Scenario#1 and PKR 100,000/- for Scenario#2.

 
Aitemaad Senior Account (ASr.A)

is designed for (i) Senior Citizen; (ii) Widow; (iii) Special Person (Disable) in a unique manner differentiating it from the products currently prevailing in the market in order to maximize the benefits primarily for the customers and the society at large.

ASr.A is a remunerative checking account wherein an initial deposit is placed with the Bank and then further deposits and withdrawals will be made by the ASr.A account holder. The ASr.A account holder can deposit and withdraw funds by Cheque / ATM Card / Online Banking, etc. without any restriction of number of transactions and minimum balance.

Basic Features of ASr.A


Underlying Islamic Mode

Mudharabah (Un-restricted)

Type of Product

Saving (Remunerative Checking Account)

Currency

Pakistani Rupees (PKR)

Minimum amount for  Account Opening

PKR 1,000/-

Investment Cap

PKR 1,000,000/-

Customer Type

  • Senior Citizen (55 year and above);
  • Widow (any age);
  • Special Person (Disable)

Profit Calculation

Daily Product  (on value dated day end balance)

Profit Payment

Monthly (with value date 1st of every month)

Tiers / Slabs

Single

Restriction on withdrawals / credit transactions

No restriction on daily withdrawals or number of transactions

Restriction  on low account balance

No service charges on low account balance

Overdraft allowed

No

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 of loss due to the Bank’s negligence, total loss shall be borne by the Bank.

Government Taxes/Levies

All Government taxes and levies for services offered whether free or charged as per Schedule of Charges (SOCs) of NBP Aitemaad will be recovered from the ASr.A account holder.

SOCs

  • Issuance of Cheque Book

Free

  • Issuance of Pay Order

Free

 
Aitemaad Institutional Deposit Account - IFIs (AIDA - IFIs)

is exclusively designed for Islamic Financial Institutions, who want to keep their investments with the Bank and earn comparatively higher Shariah compliant profit on monthly basis.

AIDA - IFIs is a remunerative checking account wherein an initial deposit PKR 10,000,000/- is placed with the Bank and then further deposits and withdrawals will be made by the AIDA-IFI account holder. The AIDA-IFI account holder can deposit and withdraw funds without any restriction of number of transactions and minimum balance.

Basic Features of AIDA - IFIs


Underlying Islamic Mode

Mudharabah (Un-restricted)

Type of Product

Saving (Remunerative Checking Account)

Currency

Pakistani Rupees (PKR)

Minimum amount for  Account Opening

PKR 10,000,000/-

Customer Type

Islamic Financial Institutions (IFIs) which include full fledge Islamic Banks and Islamic Banking windows of Conventional Banks

Profit Calculation

Daily Product  (on value dated day end balance)

Profit Payment

Monthly (with value date 1st of every month)

Tiers / Slabs

Multiple (tier selection based on value dated day end balance)

Restriction on withdrawals / credit transactions

No restriction on daily withdrawals or number of transactions

Restriction  on low account balance

No service charges on low account balance

Overdraft allowed

No

Loss Distribution

In the event of loss, the AIDA-IFI 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 of loss due to the Bank’s negligence, total loss shall be borne by the Bank.

Government Taxes/Levies

All Government taxes and levies for services offered whether free or charged as per Schedule of Charges (SOCs) of NBP Aitemaad will be recovered from the AIDA-IFI account holder.

Note: ATM Card / Cheque Book will not be issued for AIDA-IFI

 
Aitemaad Institutional Deposit Account - NBFIs (AIDA - NBFIs)

is exclusively designed for Non-Banking Financial Institutions (FIs), who want to keep their investments with the Bank and earn comparatively higher Shariah compliant profit on monthly basis. The product is targeting 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. 

AIDA - NBFIs is a remunerative checking account wherein an initial deposit PKR 10,000,000/- is placed with the Bank and then further deposits and withdrawals will be made by the AIDA-NBFI account holder. The AIDA-NBFI account holder can deposit and withdraw funds without any restriction of number of transactions and minimum balance.

Basic Features of AIDA - NBFIs


Underlying Islamic Mode

Mudharabah (Un-restricted)

Type of Product

Saving (Remunerative Checking Account)

Currency

Pakistani Rupees (PKR)

Minimum amount for  Account Opening

PKR 10,000,000/-

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  (on value dated day end balance)

Profit Payment

Monthly (with value date 1st of every month)

Tiers / Slabs

Multiple (tier selection based on value dated day end balance)

Restriction on withdrawals / credit transactions

No restriction on daily withdrawals or number of transactions

Restriction  on low account balance

No service charges on low account balance

Overdraft allowed

No

Loss Distribution

In the event of loss, the AIDA-NBFI 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 of loss due to the Bank’s negligence, total loss shall be borne by the Bank.

Government Taxes/Levies

All Government taxes and levies for services offered whether free or charged as per Schedule of Charges (SOCs) of NBP Aitemaad will be recovered from the AIDA-NBFI account holder.

Note: ATM Card will not be issued for AIDA-NBFI.

 
Take the step towards Islamic Banking
Simply fill in the Account Opening Form and present your Computerized National Identity Card (CNIC) to start depositing into 'Riba Free' Aitemaad Current / Saving Account and enjoy personalized banking services from any NBP Aitemaad Islamic Banking Branches across Pakistan.
 

Profit Sharing Ratio, Weightages and Historic Profit Rates

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