AL HABIB ROSHAN DIGITAL ACCOUNT

(Product Features and Applicable Charges July –December 2021)

AL Habib Roshan Digital Account is specially designed for Non-Resident Pakistanis (NRPs) to open their account
digitally in Pakistan and to help them make payments, investments and avail various other banking facilities while
being abroad.

Account Type Current & Saving Account (Conventional & Islamic)

Account Nature Individual account in the single and joint category
Account Currency Available in PKR, USD, EURO & GBP
Repatriation Fully Repatriable Account
Eligibility  Non-Resident Pakistani Nationals (NRPs) having CNIC/ SNIC/ NICOP
 Foreign National having POC (Pakistan Origin Card)
 Employees or officials of the Federal Government or Provincial Government Posted
Abroad
 Resident Pakistanis having assets abroad declared in latest wealth statement

Account Limitations  Local credits such as Cash/Cheque deposit, Funds Transfer etc. are not allowed
 Local credits allowed to the extent of proceeds received from permissible investments*
 No outward clearing allowed
 Inward RTGS / Inter-Banks Funds Transfer with another Bank in Pakistan are not allowed
 Any amount paid to anyone shall not be allowed to be credited back into the account
 Outward remittance only allowed to the extent of balance available in the account
 Repatriation allowed up to the principle amount in case of property sale within 3 years
 Investment allowed in the following, provided that the relevant laws/regulations permit
such investment;
1. Registered Debt securities of Government of Pakistan (T-bills, PIBs, Sukuk and any other
registered debt securities of the government including CDNS securities)
2. Shares quoted on the stock exchange(s) in Pakistan
3. Residential and commercial real estate
4. Term /remunerative deposit products of the bank

* Proceeds from disinvestment/sale/maturity of Government of Pakistan’s debt securities, residential and commercial real estate,
quoted shares, term deposits, and profit/rent/dividend/ /interest on such securities/properties/shares/ deposits received on
account of investments made from the account.

PARTICULARS CHARGES
Issuance Fee of Banker's Cheques PKR 250/- (Free for Islamic Banking Roshan Digital Accounts)
Visa Debit Card Basic PKR 1,200 for Silver, PKR 1,500 for Gold Card
Issuance Fee of Debit Card
& Rs.3000 for Platinum Card
Visa Debit Card Basic PKR 1,200 for Silver, PKR 1,500 for Gold Card
Annual Fee of Debit Card
& Rs.3000 for Platinum Card
PKR 15/- per leaf
Cheque Book Charges
(Free for Islamic Banking Roshan Digital Accounts)
Stop Payment of Cheques PKR 500/-
Loose Cheque Issuance PKR 30/- per leaf
SMS Alert Service PKR 75/- per month (Local Cellular Numbers)

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Minimum Balance Charges Free
Utility Bill/Mobile Bill Payment Free
International ATM Cash Withdrawal PKR 300/- per transaction or 3% whichever is higher
Funds Transfer to any account within Bank AL Habib Free
Inter Bank Funds Transfer via Internet Banking (For PKR Free IBFT - Upto Rs. 25,000/- per month / per account
Accounts Only)
For additional amount above Rs. 25,000/- per month / per
account, 0.1% of the transaction amount or Rs. 200, whichever is
lower will be charged
Inter Bank Funds Transfer via ATM (For PKR Accounts Only) Free IBFT - Upto Rs. 25,000/- per month / per account
For additional amount above Rs. 25,000/- per month / per
account, 0.1% of the transaction amount or Rs. 200, whichever is
lower will be charged
Same Day Clearing Cheque Charges PKR 500/- Flat
PKR 300/- per certificate Rs 300 per Certificate (No Charges if
Account Maintenance Certificate
required for BAHL Loans)
Intercity Collection of Cheques through NIFT PKR 300/- per instrument
Intercity Cheque Return Charges PKR 550/- Flat
Overseas Employment Certificate PKR 100/- per certificate
Issuance of Statement of Account on request
(i) Statement of A/c upto 6 Months PKR 35/-
(ii) Statement of A/c Above 6 months Additional Rs 35/- per 6 months
International POSTAGE / COURIER / SWIFT charges will
be recovered as under:

Postage PKR 200/-

Courier i) PKR 2000/-
ii) Where courier charges are debited to Customers' A/C with
Courier Company service charges of Rs. 150/-
Swift PKR 1000/- per message
Welcome Pack Delivery Free – All international destinations
REMITTANCES – FOREIGN
OUTWARD
a). US$ 15
a). Demand Drafts
b). US$ 30
b). FTT
c). US$ 10
c). Cancellation of FDD
d). US$ 6 plus drawee bank charges at actual
d). Stop Payment of FDD
INWARD
DD / TT / MT NIL if proceeds credited to an account with us otherwise charges
of PKR 250/-
FOREIGN TRAVELLERS CHEQUES ISSUANCE 1% Commission on Conventional Banking Accounts
INVESTMENT PORTFOLIO SECURITIES ACCOUNT (IPS)
PKR 1,200/- per transaction
i) Investor Portfolio Securities
PKR 2500/- per month
ii) Custody Account Charges

GATEWAY TO EQUITY MARKET (GEM)

a) GEM Account Opening (Individual) -Individual Account Holder Rs. 2,000 (Rs.1400 Bank's
Facilitation Charges, Rs.400 CDC Charges, Rs.200 UIN Charges)
b) GEM Account Opening (Corporate) -Corporate Account Holder Rs. 5,000
c) Broker Charges -*Minimum Rate 3 paisa or 0.15% whichever is higher (On
every buy and sell transaction which is not squared during the
same trading day)
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d) GEM Facilitation Charges -Security Rate Commission Minimum Maximum
(in Percentage) (in rupee) (in rupee)
Upto – 199.99 0.10% 0.01 0.15
200 – 399.99 0.075% 0.15 0.30
400 - above 0.05% 0.30 0.50

e) Custodial Charges (Market Value) -for Shares -- Re. 0.1000% p.a

for TFCs -- Re. 0.1000% p.a
for Rights -- Re. 0.1000% p.a

f) Withdrawal Charges for Shares -- Re. 0.10 per Share

- Withdrawal Fee (CDC Charges) for TFCs -- Rs. 50 per Unit
for Rights -- Re. 0.10 per Right Entitlement deposit

- Withdrawal Processing Fee (Bank Charges) for Shares / Units / Rights -- Re. 0.50 per Share / Unit / Right

g) Deposit Charges for Shares -- Re. 0.01 per Share

- Initial Deposit Fee (CDC Charges) for TFCs -- Re. 0.01 per Unit
for Rights -- Re. 0.01 per Right
- Deposit Processing Fee (Bank Charges) -for Shares / Units / Rights -- Re. 0.50 per Share / Unit / Right

h) Shares Transfer Charges In/Out -for Shares - 0.010% per shares (The minimum and maximum
fee shall be Rs.7 and Rs. 60,000 respectively)
i) Shares Pledge Charges -for Shares - 0.004% per share
j) NCCPL Charges -0.0025% per share
k) UIN Charges Annually (first year not applicable) -Corporate Account Rs.2500
(NCCPL) Individual Account Rs.200

l) CDC Sub Account Opening Charges Annually Individual -Rs.400

Account (First year not applicable) (CDC Charges)

ROSHAN APNI CAR (AUTO FINANCE FACILITY FOR OVERSEAS

PAKISTANIs)
a. Processing Fee Rs. 7000 Flat
b. Early Settlement Fee/ Charges (full / partial) As per the terms and conditions mentioned in offer letter
c. Late Payment charges Rs. 900 per late payment of installment
d. Charges on Dishonored/Returned Cheques Rs. 500 per case
e. Repossession Charges (Within & Out of City) Rs. 100,000 or at actual whichever is lower
f. Vehicle Evaluation/Appraisal Charges At Actual
g. Repossessed Vehicle Evaluation/Appraisal Charges At Actual
h. Litigation/ Legal Charges At Actual
i. Partial Prepayment Fee /Charges As per the terms and conditions mentioned in offer letter
j. Personal Accident Insurance Nil
k. Vehicle Registration/Transfer Charges At Actual
l. Warehouse Charges At Actual where applicable
m. Courier Charges (Foreign) At Actual
n. Ministry of Foreign Affairs attestation charges At Actual
ROSHAN APNA GHAR (HOUSE FINANCE FACILITY FOR
OVERSEAS PAKISTANIs)
a. Processing Fee Rs. 4,000/-
b. Early Settlement Fee / Charges (full / partial) Within a year 1%, afterwards no charges
c. Late Payment charges Rs. 900 per late payment of installment
d. Charges on Dishonored / Returned Cheques Rs. 500 per case
e. Property Valuation / Appraisal Charges At Actual
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 f. Lawyer's Appraisal Fee At Actual
g. Income Estimation Charges / Fee At Actual
h. Documentation and Stamp Duty Charges At Actual
i. Courier Charges (Foreign) At Actual

Note: All Taxes / Excise Duty / With-holding Tax / FED etc. levied by the Government are to be recovered
from the customers in addition to regular charges, wherever applicable. The Bank charges are in
accordance with the Schedule of Bank Charges, as amended from time to time.

The features and charges of AL Habib Roshan Digital Account are self-explicit, and all efforts have been
made to keep it simple, easy and understandable. However, if required, further clarification can be
obtained by sending queries to Roshan Digital Unit at [email protected] or our 24/7 Call Center at
(+92)21 - 111 014 014.

I/We hereby acknowledge and confirm having fully read and clearly understood the features and charges
of AL Habib Roshan Digital Account mentioned above. I also confirm to abide by the product charges
specified above and any changes, supplements or modifications thereto that may be made by the Bank
from time to time.

This is a digital undertaking and acceptance of the same will constitute full and final truthful
declaration of the content of this undertaking and that the same has been signed by the customer.

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