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Download AL Habib Mobile App Now! Experience hassle-free banking with the new AL Habib Mobile app designed to make your digital banking experience more convenient. Manage your finances quickly and securely with a host of new features that provide you with an enhanced user experience. Your feedback is important to us Click Here Plan with us

Value Added Services

Naya Pakistan Certificates

Naya Pakistan Certificate (NPC) Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Naya Pakistan Certificates (NPCs), which are PKR, USD, GBP and EUR denominated instruments issued by the Government of Pakistan with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Naya Pakistan Certificate while Bank AL Habib is acting as an agent of the same. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Eligibility AL Habib Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificates can be booked in PKR, USD, GBP and EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Rates & Profit Payouts Tenure PKR Rate USD Rate GBP Rate EUR Rate Profit Payout (Coupon Payment) 3 Months 13.50% 7.00% 7.25% 5.25% Maturity 6 Months 13.50% 7.00% 7.25% 5.25% Maturity 12 Months 13.00% 7.00% 7.25% 5.25% Maturity 3 Years 12.50% 7.50% 7.50% 5.25% Bi-Annual 5 Years 12.50% 7.50% 7.50% 5.25% Bi-Annual *Revised Rates effective from February 20, 2025 as per SRO 33(I)2025 Premature Encashment Certificates can be prematurely encashed (early encashment before maturity). No profit will be paid in case of encashment of certificates before completion of 3 months. Profit/proceeds of premature encashment made after 3 months will be calculated based upon the rates of nearest completed tenures.Please click for illustrations Maturity Maturity proceeds will be credited back to the investor’s Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays. The Certificates shall be pledgeable as security for raising financing in Pakistan subject to such conditions as may be prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

Global Presence

Overseas Branches Wholesale Branch, Manama, Kingdom of Bahrain Wholesale Banking Branch, 1302 Almoayyed Tower, Al Seef District, P.O. Box 50786 Manama, Kingdom of Bahrain SWIFT BAHLBHBM Telephone No (00973) 175 64044 Fax No (00973) 175 64033 General Manager Mr. Yaqoob Yousif Al Asiri Click here to view Payment Purpose codes and Explanatory notes Labuan Branch, Malaysia Unit Level 11(B), Level 11, Main Office Tower, Financial Park Labuan Complex, Jalan Merdeka, 87000 W.P. Labuan, Malaysia. SWIFT BAHLMY2A Telephone No + 60 (87) 418906, 422488 & 422610 Fax No 60 (87) 418501 Country Manager/Principal Officer

Ways to Bank

Debit Cards Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs. Debit Cards are a secure and convenient option shopping, paying bills and more without the need to carry cash. You can also withdraw money from an Automated Teller Machine (ATM) using your BAHL Debit Card and enjoy exclusive offers and discounts. View Details

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AL Habib at Work

Salary Accounts AL Habib At Work is a comprehensive banking solution designed to address the banking needs of employees of an organization. It is suitable for small businesses as well as large corporates. Convenient bulk account opening, on site debit card delivery, free account benefits, digitization of salary payment along with much more to provide an unmatched experience for employers and their employees. Key Features No Minimum Balance Requirement On Site Account Opening & Debit Card Delivery Free Debit Card Issuance And Annual Fees* Free Cheque Book And Banker’s Cheques* Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan Free Inter Bank Funds Transfers Exclusive Insurance/Takaful Coverage* *Terms and Conditions apply Benefits For Employers/Companies Streamlined salary transfer solution through AL Habib Payments System Simplified on-site bulk account opening process Convenient MIS reports ensuring up-to-date insights Swift salary disbursal turn around time Dedicated Relationship Manager to address all your payroll related needs and concerns Benefits For Employees On premises account opening, eliminating the need to visit a branch No minimum balance and no initial deposit requirement A suite of  special account privileges Debit Cards delivered at premises Availability of Consumer Banking products Complimentary Insurance/Takaful Coverage Email Us info@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator .bgPosBtmLeft.page-alhabib-at-work { background-position: center center !important; } .dark-mode .card{background-color:#333 !important} .carousel-caption h1.caption-heading { display:none !important; } img { max-width:300px; } @media screen and (max-width: 767px) { img { max-width:180px; } }

Climate Smart Agriculture

Introduction This product is designed to promote Climate Smart Agriculture resource efficient operations/ techniques in farming Main Features Financing is available for resource efficient operations/ technologies/ techniques related to Agriculture Farm and Non-Farm sectors. This product caters fund requirement for Alternate energy resources/ solar panel, farming techniques based on efficient use of chemicals/ fertilizers and pesticides, draught resistant and water resistant crops, Modern water management techniques, precision agriculture management, etc. Priority service is offered on discounted mark up rate. Financing period ranges from one year to five years depending on nature of Agri business. Finance amount is assessed as per volume of Agri Business activities in the light of SBP’s guidelines and bank’s policy/ procedures. Debt servicing on a monthly/ quarterly/ half-Yearly basis as per business cycle. Talk to our Agri Experts Agri. Business Manager, Agriculture Division, Lahore – Pakistan Mr. Malik Muhammad Fiaz 042-36676808   Agri. Business Manager, Agriculture Division, Multan – Pakistan Mr. Muhammad Shahid 061-6524116-8 Agri. Portfolio Manager, Agriculture Division, Lahore - Pakistan Mr. Muhammad Asad Ayub 042-36676807   Incharge Agri. Islamic Finance, Agriculture Division, Lahore – Pakistan Syed Shawaz Hassan 042-36603228 Email Us info@bankhabib.com Email Us info@bankalhabib.com BAHL Helpline (021) 111-014-014 Nearest Branch Branch Locator If you want to reach us Click Here .bgPosBtmLeft { background-position: center center !important; } .support-columns.investor-columns.shaded-background { background-color: #eee !important; } .fixedImgDynamic.climate { background-image: url(files/images/climate-breaker.png); } .contentSection ul li { line-height: 1.5; font-size: 18px; font-weight: 300; }

Bank on Wheels - Mobile Banking Unit

Introducing Bank on Wheels, our mobile banking unit to make banking more accessible and convenient. The initiative aims to increase financial inclusion through delivery of financial services to areas where there are no bank branches such as hospitals, universities/colleges, rural areas, villages, calamity struck areas, emergency situations, or special events like exhibitions and festivals. Services for Everyone ATM Facility Utility Bill Payments Fee Collection Home RemittanceServices Services Exclusively for Bank AL Habib Customers Cheque Deposit (Transfer Cheques only) Online Funds Transfer (BAHL to BAHL) Cash deposit in BAHL Account .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; }