Roshan Qurbani

Small Enterprise Financing and Credit Guarantee Scheme for Special Persons

Introduction SBP introduced the scheme for Special persons falling under small enterprise (SE) category. Financing Tenor 5 Years (6 months grace period) Mark Up Rate 5% Per Anum Limit/Exposure 1.5 Million Maximum Salient Features Financing under the scheme will be available to special persons holding CNIC with disability logo/ symbol. Financing shall be provided for setting up of new business enterprise or for expansion of existing one. Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Email Us info@bankalhabib.com BAHL Helpline (021) 111-014-014

Refinancing Facility for SME Modernization

About Scheme SBP introduced the scheme for SMEs to modernize and also to address power shortages. Financing Tenor 10 Years (6 months grace period) Mark Up Rate 6% Per Anum Limit/Exposure 25 Million Maximum Financing Amount for SE 200 Million Maximum Financing Amount for ME Salient Features Financing shall be available to wide range of SME Clusters/ Sectors Financing shall be available for purchase of Brand New Imported/ Local Plant & Machinery for BMR of existing units and setting up of new SME units Financing under the scheme shall be available only against LCs in case of financing against import plant and machinery Payment to be made directly to the Supplier Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Email Us info@bankalhabib.com

SBP Refinance Scheme

About Scheme To promote availability of storage facilities to enhance food security, State Bank of Pakistan has launched a Refinance Scheme in the name of “Financing Facility for Storage of Agricultural Produce (FFSAP)” for the establishment of agricultural produce storage facilities. The salient features of this scheme are as under: Main Features Financing is available: On a long-term basis for establishment, expansion and balancing, modernization & replacement (BMR) of Steel/Metal/Concrete Silos, Warehouses & Cold Storage facilities for storing agricultural produce Purchase of new imported & locally manufactured plant & machinery, equipment and accessories thereof, to be used in Steel/Metal/Concrete Silos, Warehouses, and Cold Storages Purchase of new generators. The capacity of the generator shall, however, not be in excess of the in-house energy requirements of the Silos/Warehouses / Cold storage . Up to 65% cost of entire civil worksFinancing is sub

Roshan Apni Car

Roshan Apni Car We are now offering Roshan ApniCar (Auto Finance) facility to individuals having a Roshan Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse / parents / children residing in Pakistan. Apply Now Roshan Apni Car Calculator Product Eligibility Criteria Financing facility for brand new, used & imported vehicles. Non-Resident Roshan Digital Account (RDA) holder at Bank AL Habib Limited (BAHL) with Resident Pakistani Spouse / parents / children / Siblings as co-borrower or Resident Pakistani having RDA at BAHL. Having minimum working experience as follows: Regular Salaried individuals with minimum 2 years experience of current employer. Contractual Salaried individual with minimum 3 years experience. Self-Employed Professionals (SEP) and Business Individuals with minimum 3 years experience in similar profession / professional setup. Having minimum net monthly Income of: Employed / Working in Gulf Countries: Equivalent to DHS 10,000/- Employed / Working in Non Gulf Countries: Equivalent to USD 3,000/- Minimum Down Payment 15-45% depending upon the variant of vehicle. Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency / Resident Card for Gulf Countries. Having clear credit history. Vehicle to be registered in the name of borrower or spouse / parent / child / Siblings as co-borrower. Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR Account. For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on foreign currency deposit. Processing fee, documentation etc to be charged as per the Bank’s Schedule of Charges. Minimum age at the time of application: 25 years. Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP. For lien based facility, minimum experience, minimum income requirement and restrictions of stated jurisdictions shall not be applicable. Product pricing Rate Lien Based Non-Lien Based Variable Rates SBP Floor+1.0% 1 Year KIBOR+1.0% Fixed Rates Certificate of Deposit Rate (COD*) + 1% Respective (PKRV**) + 1.5% *Prevailing Certificate of deposit rate of Bank AL Habib Mahana Munafa account for respective tenure to be applied. **Respective PKRV of the last day of previous month to be applied. Notes Current SBP Floor is 20% pa and is available at the following SBP link: https://www.sbp.org.pk/ecodata... KIBOR is published on a daily basis at the following SBP link: https://www.sbp.org.pk/ecodata... Pricing of the fixed rate loans remain unchanged till maturity of the loan. However, if market conditions change, banks can offer a revised price at the start of the financing period. Insurance Without Tracker With Tracker Value Added Services (apart from comprehensive coverage-bumper to bumper) EFU 1.40% 1.99% 1.50% 1.99% Accidental death Coverage up to PKR 2.5 Million Jubilee 1.75% 1.99% 2.25% 2.50% 1) Full outstanding finance amount to be paid in the event of accidental death of Roshan Digital Account Holder. 2) Free Medical expense cover upto PKR 1 Million, in case of hospitalization of RDA holder for 30 days during stay in Pakistan. UBL Insurer 1.40% 1.89% 2.90% 3.50% Accidental death Coverage up to PKR 2.5 Million Adamjee 1.50% 1.99% 2.90% 3.50% 1) Accidental death Coverage up to PKR 2.5 Million 2) Health insurance plan up to 20.00% of vehicle or PKR 500,000 whichever is less 3) Online Medical consultancy 4) Travel Insurance Plan up to USD 50,000 Habib 1.38% 1.85% 1) Accidental Death Coverage up to PKR 2.5 Million 2) Payment of full outstanding auto finance amount in case of RDA holder’s death 3) Travel Insurance Plan up to USD 50,000 4) Tracker Facility from A rated Company 5) Speedy Claim Approvals because designated surveyors has been deputed Century 1.75% 2.25% Accidental Death Coverage of principal amount or maximum up to PKR 2.5 Million Delivery time - by manufacturers ( Approx period ) Manufacturer Variants Tentative Delivery Time Offer by Manufacturer Honda Atlas City 2 to 3 months No Priority Delivery Civic 3 to 4 months BRV 2 months Kia Sportage 3 months Priority delivery up to half from the actual tentative delivery time Picanto 3 months Carnival 2 months Sorento 4 months Indus Motors Yaris 2 to 3 months Delivery time will be communicated as per manufacturer's confirmation Corolla 1.6 & 1.8 6 to 7 months Fortuner 6 to 7 months REVO 6 to 7 months Grande 6 to 7 months Pak Suzuki Alto 2 months Delivery time will be communicated as per manufacturer's confirmation Cultus 4 months Wagon-R 2 months Bolan 2 months Ravi 2 months Swift 3 months Hyundai Tucson 6 to 7 months Stock available (subject to vehicle's colour availability) Co-Applicant For Non-Resident RDA holder, Resident Pakistani shall be added as co-applicant for vehicle registration and legal documentation purpose. Roshan Apni Car Tutorials .btn-roshan{ color: #15804F; background-color: #fff; border-color: #15804F;} @media screen and (max-width: 767px) { .bgPosBtmcenter {background-position: bottom right !important;} } ol{list-style:none;} .tableCustomizer tr td:last-child { border-right: 1px solid #ddd !important; } .tutorial_video h5{font-size:1.3rem; text-align: center; } @media screen and (max-width: 767px) { .btn-lg{display:block;} .btn-login{display:inline-block;} .owl-theme .owl-nav{display:none;} .owl-item {height: 270px;} }

Agriculture Finance Products

AL Habib Farm Production Financing Scheme This scheme helps farmers to bridges financial gap of their on-farm/ off-farm activities. It allows financing under Electronic Warehouse Receipt (EWR)/ against stocks of crop produce & any other Agri. Business Concern as per SBP's eligible items. The scheme facilitates Seed Processing Units, Godowns, Silos, Cold Storages, Processing of Agri. Produce (excluding five major crops), etc.

Credit Cards

Overview AL Habib Credit Card, Your Trustworthy Companion Bank AL Habib offers a choice of Classic and Gold Credit Cards to its existing account holders. Enjoy financial freedom as you can buy now and pay later at your convenience. There are up to 51 credit-free days. Choose the Card that suits your lifestyle. Apply Now 3D Secure View Details Get up to 3 Free Supplementary Cards View Details RevolvingFacility View Details Convenient Payment Modes View Details .hide_on_credit{display:none;} .min-height-issue{min-height:75px; white-space: inherit !important; overflow: inherit !important;}

Roshan Pension Plan

Roshan Pension Plan The Roshan Pension Plan is a Voluntary Pension Scheme that aims to provide a personalized and flexible opportunity to fund Roshan Digital Account Holder’s Retirement. The Investment will be managed by a team of Professional Pension Fund Managers. AL Habib Roshan Digital Account Holders can save to maintain financial stability and comfort in the form of steady income after retirement. The Overseas Pakistani Roshan Digital Account Holder can now decide how much to invest in this scheme, and they can continue to invest even while switching jobs. Apply Now Eligibility Criteria AL Habib Roshan Digital PKR Account Holders only Key Features A very flexible savings cum investment plan Desired investment exposure to high yielding assets Facilitates individuals to save systematically for their retirement savings topped with investment returns After reaching retirement age, get monthly income from your accumulated investments or withdraw a lump sum amount Allocation Schemes Contributions allocated among the Units of Sub-Funds as Net Asset Value, as per selected Allocation Scheme: Allocation Scheme Equity Sub Fund Debt Sub Fund Money Market Sub Fund Medium Volatility 40% 50% 10% Low Volatility 10% 60% 30% Lower Volatility Nil 40% 60% Documents Required CNIC Copy of Participant/ POC Business Employment / Other Proof of Income/Fund AL Habib Roshan Pension Plan Tutorial .contentSection.documents-required ul li { margin-top: 35px; margin-bottom: 0; font-size: 1.2rem; padding-left: 25px; } .contentSection ul li { line-height: 1.5; }

Trade Services

International and domestic trade is highly complex and involves a web of intricate risks. Trade Finance delivers fast, efficient, reliable and comprehensive solutions for every stage of a client's trade value chain to support their foreign trade activities Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides an entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Imports Establishment of Import Letter of Credit. (Inland & Foreign) Import Collections Import Contract Registration Open Account Transactions

Business Banking

Corporate Banking SME Banking Agriculture Banking Trade Services Cash Management Services Guarantees Employee Banking Solutions Corporate Banking At Bank AL Habib, Corporate Banking is all about building relationships and bridging gaps. Whether you are a large corporation or a small business house, being a business