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Aitemaad Amirah Account

NBP Aitemaad Islamic Banking Group has introduced a new specialized deposit product namely ‘Aitemaad Amirah Account’ which is designed exclusively for women.

This product will play a vital role to enhance women’s financial inclusion and to bring a shift towards women friendly business practices by providing complete bouquet of banking services including current/saving account options, competitive profit rates, discounted rates on consumer finance, 24/7 digital banking, Debit Card with over 20,000 Golootlo merchant discounts, locker, cheque book and many more.

Key features of the product are as follows:

Customer Type
  • Adult Individual
  • Sole Proprietorship

Account Type

  • Current Account
  • Saving Account

Acceptable Currency

Pakistani Rupee (PKR)

Minimum / initial amount for account opening

PKR 1,000/-

Profit Payment


Expected Profit Rates
(per annum)

Following are the tentative tiers and expected profit rates which can be changed at Bank's discretion before announcement of weightages and profit sharing ratio:

Tier(s) in PKR

Profit Rates

From 1 to 999,999

7.50 %

From 1,000,000 to 4,999,999

8.75 %

From 5,000,000 to 9,999,999

9.25 %

From 10,000,000 & above

10.00 %

Benefits and Eligibility Criteria

Free Benefits (without balance criteria)

  • SMS Alerts
  • Digital Banking registration

Free Benefits (with balance criteria)
If account holder’s daily average balance (monthly average balance) of previous month is equal to or greater than PKR 50,000/- then following free benefits will be offered for the current month.

  • Cheque Book
  • Debit Card
  • Statement of Account
  • 50% waiver on locker rent – small (subject to availability)

More Exclusive Discounts
(subject to credit approval in favor of consumer finance)

  • 50% waiver of processing fees
  • 50% waiver on charges of early settlement/ termination.
  • Exclusive rate of KIBOR + 2% for consumer finance.


  • 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.
  • In case of account is opened during the month and the account holder wants to avail above free benefits then current/present balance must be equal to or greater than PKR 50,000/-

Restriction on low account balance

Not Applicable

Restriction on daily withdrawals / credit transactions or number of transactions

Not Applicable

Restrictions on account opening

  • Foreign Nationals and Non-Resident Pakistani shall not be able to open account either singly or jointly.
  • This product is for women exclusively therefore account cannot be opened by men.
  • Joint account can only be opened with women who are above 18 years of age.
  • Minor Account shall not be allowed to open account under Amirah.


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