AL Habib Digital Account

Raast

Raast is Pakistan’s first instant payment system that enables end-to-end digital payments among individuals, businesses and government entities within seconds. Not only that it helps bring down the high cost of the transactions making small-value retail payments cheap. Click here to view list of Raast Enabled Branches Register RAAST ID Link / Unlink RAAST ID Delete RAAST ID Generate QR Code Raast Tutorial Simplified P2M Payments via RAAST Bank AL Habib has recently added the Raast Person-to-Merchant (P2M) feature to AL Habib Mobile which allows customers to scan Raast QR codes to make payments. Customers may also use the "Merchant Alias Payment" option which allows them to make payments through AL Habib Mobile and Netbanking using unique identifiers such as Virtual Payment Address (VPA), Till Code, or Merchant ID assigned to merchants. P2M will enable customers to pay directly to merchants for shopping, dining, and monthly utility expenses. With just a quick scan of the QR code provided by the merchant, transactions can swiftly and securely be completed, eliminating the need for cash or physical cards. Key Features Funds Transfer on Merchant Alias Customers can make payments by scanning Raast P2M accepted QRs Only account-based transactions can be performed

Debit Cards

Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:

About Us

Bank AL Habib Dawood Habib Group, the sponsor of Bank AL Habib Limited has a history in the banking sector dating back to the 1920’s. The group played a major role in meeting the financial needs of Pakistan making it the first institution to provide banking services to the new Country. Dawood Habib Group Dawood Habib Group, the sponsor of Bank AL Habib Limited has a long track record in banking that dates back to the 1920s. The Group was among the founder members of Habib Bank Limited and played a major role in meeting the financial and banking needs of Pakistan. It was nationalized along with other Banks in Pakistan on Januar

Investment Opportunities

Fixed Term Deposit (TDR) Foreign Currency (FCY) Term Deposits AL Habib Special Saver (TDR) AL Habib Mahana Munafa (TDR) AL Habib Salana Munafa (TDR) Real Estate Investment Fixed Term Deposit No penalty on Premature Encashment. Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 8.50% p.a 3 Months Deposit 8.00% p.a 6 Months Deposit 7.50 p.a 1 Year Deposit 10.25 p.a 2 Year Deposit 9.10% p.a 3 Year Deposit 8.10% p.a 4 Year Deposit 8.10% p.a 5 Year Deposit 8.10% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS RDA FCY Fixed Term Deposit Indicative rates of Profit on Fixed Deposit USD GBP EURO 1 Month 4.00% p.a 3 Months 4.15% p.a 6 Months 4.25% p.a 12 Months 4.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a Key Features Available in tenures of 1,3,6 & 12 Months Invest from as low as $/£ /€ 100 Early encashment is allowed Tax & Zakat Exempted Download Form Download KFS AL Habib Special Saver Certificate Let your savings earn for you Bank AL Habib Special Saver Certificate has a term of 3 years; the profit is paid out every six months. Term Deposit certificates are popular with: Individuals (single or joint) Registered Partnership Public & Private Company Registered Trust Government Body etc. Applicable Indicative Rate of Profit First Year 8.00% p.a (1st & 2nd Profit Payment) Second Year 8.00% p.a (3rd & 4th Profit Payment) Third Year 8.00% p.a (5th & 6th Profit Payment) If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Rate without affecting profit paid previously. Expected Rate of Return on deposits is effective from May 06, 2025 payable after completion of every six months. (The Indicative rate of profit on deposit schemes are current and subject to change) Download Form Download KFS AL Habib Mahana Munafa Account Boost your monthly income AL Habib Mahana Munafa Account lets your earn high profits when you keep your savings for a fixed term. No more temptation to use the principal, just enjoy the monthly profits. High Returns Reliable and Convenient 1 Year Deposit 10.00% p.a 2 Year Deposit 9.00% p.a 3 Year Deposit 8.00% p.a 4 Year Deposit 8.00% p.a 5 Year Deposit 8.00% p.a * Expected Rate of Return on deposits effective May 06, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Mahaha Munafa Account can be opened with PKR. 25,000/-. Profit paid on the 1st working day of each month. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. Profit may be drawn through Cheque at any branch of Bank AL Habib or ATMs nationwide. Option available for premature encashment. On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Download Form Download KFS AL Habib Salana Munafa Account Augment your yearly income Bank AL Habib Salana Munafa Account lets your earn high profits when you keep your savings for a fixed term. So no more temptation to use the principal, just enjoy the annual profits.Indicative Rate of Profit 10.25% p.a * Expected Rate of Return on deposits effective 01 January, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Minimum investment of PKR, 25,000/-. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS Investment in Real Estate Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds digitally in commercial and residential real estate in Pakistan with ease and convenience. 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Bank AL Habib’s Conversion to Islamic Banking

At Bank AL Habib, we are committed to providing financial solutions that align with Islamic principles, ensuring Shariah compliance in all aspects of banking. In line with the directives of SBP, we aim to offer the highest standards of trust, transparency, and excellence through Islamic Banking services. We Offer Shariah-compliant products and services Comprehensive solutions for personal and business needs Experienced and dedicated Islamic Banking experts Need Assistance with the Transition? Our dedicated Islamic Banking support team is available to address your questions and concerns regarding this transition. Guides & Resources Islamic Banking Product Portfolio Click here to learn about which Bank Account will be offered to you post Account Conversion Feedback Click here for to request support, provide your thoughts or to make complaints Tutorials View this informative series about the benefits of Islamic Banking Documents for Customers Intimation Letter Consent Form Dissent Form Terms & Conditions Locker Application Form Product Information Product Mapping Schedule of Charges Deposit Rates Downloads Current Account KFS AL Habib Islamic Foreign Currency Current Account AL Habib Islamic Armed Forces Pensioner Current Account AL Habib Islamic Asaan Current Account AL Habib Islamic Asaan Digital Current Account AL Habib Islamic Asaan Remittance Current Account AL Habib Islamic Basic Banking Account AL Habib Islamic Current Account AL Habib Islamic Digital Current Account (FCY) AL Habib Islamic Digital Current Account (PKR) AL Habib Islamic Freelancer Current Account AL Habib Islamic Freelancer Digital Current Account AL Habib Islamic Pensioners Current Account AL Habib Islamic RDA Current Account (FCY) AL Habib Islamic RDA Current Account (PKR) AL Habib Islamic Remit Current Account AL Habib Islamic Remit Digital Current Account AL Habib Woman Islamic Digital Current Account AL Habib Woman Islamic Asaan Current Account AL Habib Woman Islamic Asaan Digital Current Account AL Habib Woman Islamic Current Account Saving Account KFS AL Habib Islamic Pay Plus Account AL Habib Islamic Pay Account AL Habib Islamic Tijarat Account AL Habib Islamic Signature Account AL Habib Islamic Freelancer Saving Account AL Habib Islamic Freelancer Digital Saving Account AL Habib Islamic Armed Forces Pensioner Savings Account AL Habib Woman Islamic Asaan Digital Savings Account AL Habib Woman Islamic Savings Account AL Habib Woman Islamic Digital Savings Account AL Habib Woman Islamic Asaan Savings Account AL Habib Islamic Young Savers Account AL Habib Islamic Senior Citizen Account AL Habib Islamic Savings Account AL Habib Islamic Remit Savings Account AL Habib Islamic Remit Digital Savings Account AL Habib Islamic RDA Savings Account (PKR) AL Habib Islamic RDA Savings Account (FCY) AL Habib Islamic Mahana Amdani Savings Account AL Habib Islamic Income Plus Account AL Habib Islamic Digital Savings Account (PKR) AL Habib Islamic Digital Savings Account (FCY) AL Habib Islamic Asaan Savings Account AL Habib Islamic Asaan Remittance Savings Account AL Habib Islamic Asaan Digital Savings Account AL Habib Islamic Apna Individual Account AL Habib Islamic Foreign Currency Saving Account Islamic Term Deposit KFS AL Habib Islamic Mahana Munafa Term Deposits (Monthly) AL Habib Islamic Senior Citizen 1-Year TDR AL Habib Islamic Term Deposits - PKR (maturity) .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; } .accordion-list .accordion-list-items:last-child { border-top: 1px solid #eee !important; } .links-wrapper a{ text-decoration: underline; } .links-wrapper a:hover{ color:#00a25a; }

Financial Reports

Second Quarter - 2023

Mera Ghar Mera Ashiana

Bank AL Habib along with the Government of Pakistan and with the support of the State Bank of Pakistan offers an affordable and flexible Housing Finance Scheme. With the help of this scheme, you can turn your dream of owning a home into a reality and secure your future. Avail this facility through all our Conventional and Islamic Banking branches. Key Features Free Life Insurance Subsidised Markup Rate Financing up to PKR 10 Million Available for up to 20 years Easy Documentation Quick Processing No restrictions and no charges on early repayment No cap on Property Price Eligibility Criteria All men / women holding valid CNIC. First time home owner. Not Owing any housing unit on his/her name. Minimum Income PKR 25,000/- for applicant and PKR 20,000/- for co-applicant(s) Minimum 3 years proof of busniess for SEB (Self Employed Businessmen) & SEP (Self Employed Professional). Minimum 2 years employment period for Salaried. Product Variants Purchase of House/flat/apartment Construction of house on already owned plot Purchase of plot and construction of house thereon Age (Applicant & Co-applicant) 60* Years for Salaried Individuals and 65* Years for Self Employed Businessmen/Professionals *at Maturity Financing Tenor Up to 20 years (subsidy for 10 years) Early Repayment No restrictions and no charges on early repayment Insurance Property Insurance Free Life Insurance Financing to Value (FTV) Ratio 90:10 (90% financing & 10% equity) Processing Charges No processing charges. However, documentation/stamping charges will be charged at actual .fixedImgDynamic.mera-pakistan{background-image:url('" ~ image_url("theme::images/individual-financing-icons-04.svg") ~"')} .fixedImgDynamic.mera-pakistan::after { content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; } .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%; } .bgPosBtmLeft { background-position: top right !important; } .pr-15 { padding-right: 15rem; } .secondary2.color { color: #ffaf3c; } a.secondarybtn { background: #ffaf3c; padding: 8px 10px; font-size: 15px; } a.secondarybtn:hover { color: #212529; background-color: #ffa016; border-color: #ff9b09; text-decoration:none; } .productLogo img{ width:400px; } .font18 { font-size: 18px; } @media (max-width:991px) { .pr-15 { padding-right: 0; } }

Agriculture Banking

Introduction Bank AL Habib Limited offers financing facilities for Agricultural activities both in conventional and Islamic variants. A wide range of financial products including Crop Cultivation, Farm Mechanization, Livestock (Dairy & Poultry), Fisheries, Feed/ Wanda units, Seed Processing Units, Cold Storage and more are available to fulfill the needs effectively. Agriculture Financing Products Kamyab Khatoon Zarai Finance Climate Smart Agriculture SBP Refinance Scheme Talk to our Agri Experts Head, Agriculture Division, Lahore - Pakistan Mr. Fiaz Ahmed Malik 042-35701431   Unit In-Charge Agri Corporate/ Commercial Mr. Wasim Irfan 042-35701432 Agri. Business Manager, Agriculture Division, Lahore – Pakistan Mr. Malik Muhammad Fiaz 042-35701433   Agri. Business Manager, Agriculture Division, Multan – Pakistan Mr. Muhammad Shahid 061-6524116-8 Agri. Portfolio Manager, Agriculture Division, Lahore - Pakistan Mr. Muhammad Asad Ayub 042-35701434   Incharge Agri. Islamic Finance, Agriculture Division, Lahore – Pakistan Syed Shawaz Hassan 042-35701435-8 Email Us in

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