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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;} }
View DetailsGlobal 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
View DetailsNaya 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 ×
View DetailsInvestor Information
Listed on Pakistan Stock Exchange Symbol BAHL Website www.psx.com.pk Earnings per share, P/E Ratio and Break-up value as of Mar 31, 2025 is as follows: 3.87x Price earnings ratio Rs. 120.16 Break-up value per share (excluding surplus on revaluation) 35.00% Dividend Payout Mar-2025 Bank AL Habib Highlights Download PDF For the First Quarter as on March, 2025 Profit before tax PKR 20.60 Bn 7.1% Growthfrom Mar 24 (March 2025 as compared to the March 2024) Assets Liabilities Revenue Total Assets increased by 3.07% in March 2025 as compared to the Dec 2024 Total Liabilities increased by 3.18% in March 2025 as compared to Dec 2024 Total Income for the period ended March-2025 was 41.29 Billion. TotalNetwork 1248 Branches & Sub-Branches Domestic ATMNetwork 1300+ Onsite & Offsite Installations Total CitiesServed 495 in Pakistan and across the World Total Foreign RepOffices & Branches 6 Countries Across the Globe TotalAssetsPKR 3.422 Tr EarningPer SharePKR 9.19 Awards By the Grace of Allah, the Bank received the following awards during the year: "Outstanding Global Trade Finance Program (GTFP) Issuing Bank" in SME Transactions - Middle East 2024 award for supporting Small and Medium Sized Enterprises' (SME) transactions conducted under IFC's Global Trade Finance Program (GTFP). "4th Largest Bank in Pakistan Remittance Market" Award from the State Bank of Pakistan under the Pakistan Remittance Initiative (PRI) at the Pakistan Remittance Summit – 2024. "Straight-Through-Process (STP) Award" from Citibank for the outstanding performance in the execution of USD commercial and treasury payments. "Top 25 Companies Award" for the year 2023 by the Pakistan Stock Exchange (PSX). Criteria for the award includes Profitability Ratio, Liquidity Ratio, Dividend Related Ratios, Solvency Ratio, Free-Float of Shares, Turnover of Shares, Corporate Social Responsibilities, Reporting on Sustainability Development Goals and Environmental, Social & Governance, Reporting on Enterprise Risk Management, Diversity and Inclusion, Corporate Governance and Investor Relations. Alhamdolillah, this is the ninth time that the Bank has been selected for this award. 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Main Shahra-e-Faisal, Karachi - 74400. TelePhone 0800-23275 (Toll Free) Fax No 92-21-34326053 Email info@cdcsrsl.com Website www.cdcsrsl.com Contact details of persons designated for assisting and handling investors grievances. Manager Mr. Sajid Hussain sajid.nazeer@bankalhabib.com Manager Mr. Haider Ali Manji haider.manji@bankalhabib.com Senior Chief Manager Mr. Habib Ali Noorani habib.ali@bankalhabib.com 92-21-32417439 32419746 SECP's investor complaint Public Documents var x = JSON.parse(''); var y = JSON.parse('[]'); var docspath = {}; y.forEach(function(data, uselessKey){ docspath[Object.keys(data)[0]] = data[Object.keys(data)[0]]; }); var documents=[]; x.forEach(function(data, uselessKey){ var year = data['years']; if(year!=null){ var yearonly = year.substring(0, 5 - 1); console.log(yearonly); if(documents['"'+yearonly+'"'] === undefined){ documents['"'+yearonly+'"'] = []; } documents['"'+yearonly+'"'].push(data); } }); var html = ''; for (var year in documents){ var docdata = documents[year]; var year_title = year.replace(/"/g,""); html += ''+ ''+ ''+year_title+''+ ''+ ''+ ''+ ''+ ''+ ''+ ''; for (var key in docdata){ var doc = docdata[key]; html += ''+ ''+doc.title+''+ ''+ ''+ ''+ ''; } html += ''; } html += ''; document.getElementById("docscontainer").innerHTML = html; div#pills-contact .ChartTitle { } .divdend_payout{ color:#ffaf3c; font-weight: bold; } .dark-mode .highcharts-background {fill: #333;} .excludingprice{font-size:12px;clear: both;margin-top: -12px;position: relative;top: 5px;font-weight: 500;}
View DetailsFreelancer Digital Account
AL Habib Freelancer Digital Account aims to provide banking opportunities to individuals who are involved in freelancing activities.
View DetailsAsaan Digital Account
The Asaan Digital Account (ADA) will provide banking opportunity to the underserved local diaspora. The key target audience are Pakistani resident individuals who do not have a bank account. Only CNIC and basic information is required to start banking with and to enjoy a host of value-added services.
View DetailsDigital Account PKR
The Digital Account provides a plethora of options to account holders for a seamless, end-to-end banking experience.
View DetailsAL Habib Woman Account
AL Habib Woman Account is a product especially designed to empower women with financial independence and facilitate them in simplified banking.
View DetailsAL Habib Woman Saving Account
AL Habib Woman Saving Account is the perfect choice for you as it caters to all your saving needs.
View DetailsDigital Account FCY
Seamlessly open an account in your preferred foreign currency with AL Habib Digital Account (FCY)
View DetailsRemit Account
AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features.
View DetailsMonthly Profit Plan
Add to your monthly income while we cover your life for free Bank AL Habib Monthly Profit Plan earns profit every month on your saving that is directly credited to your Account.
View DetailsAL Habib Woman Asaan Account
AL Habib Woman Asaan Account is a product especially designed for women to empower them with financial independence and facilitate them with simplified banking.
View DetailsAL Habib Woman Asaan Saving Account
Specifically for those who are looking to save with minimal requirements.
View DetailsAL Habib Digital Account Classic
AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.
View DetailsPlatinum Debit Card
Bank AL Habib Visa Platinum Debit Card is your financial power-key. Linked to over 1.7 million ATMs and 24 million merchants globally, Bank AL Habib helps you unlock premium lifestyle facilities globally.
View DetailsSilver Debit Card
Bank AL Habib Visa Silver Debit Card enables you the access to your account from over 1.65 million ATMs and 20 million merchants in 148 countries.
View DetailsGold Debit Card
Linked to the Global Visa Network, Bank AL Habib Visa Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.
View DetailsPayPak Debit Card
Exclusively usable in Pakistan, Bank AL Habib PayPak Debit Card gives you the power to quickly access your account from over 12,000 ATMs nationwide.
View DetailsAL Habib Digital Account Gold
Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:
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