Home

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

AL Habib Stock Market Investment

Investment in Pakistan Stock Exchange (PSX) at Your Convenience Bank AL Habib account holders may now open an account digitally with Central Depository Company (CDC) / Brokerage House through a Digital process. This is an ideal opportunity for Bank AL Habib account holders (Local) to invest in Pakistan’s capital market and earn competitive returns offered by Pakistan Stock Exchange (PSX). The following customer information will be required: Permission to share the KYC/CDD details, documents and Specimen Signature with CDC for onward sharing with Trading Right Entitlement Certificate Holder (TREC), National Clearing Company of Pakistan (NCCPL) Consent on Terms & Conditions for opening of Account with TREC holder and opening of CDC account Select a TREC Holder with whom he/she wishes to trade Apply Now Key Features Digital access to Pakistan Stock Exchange Trading Account Opening Digitally Select the broker of your choice to open Trading Account User friendly, fully automated and integrated system Safe and secure custodial services Email & SMS Alert Facility Step for Investment Broker List Brokers Connected with CDC Disclaimer: Bank AL Habib Limited bears no responsibility for any action / investment made in reliance of research reports of any brokerage house. The analysis and recommendation in the research reports are of the brokerage companies themselves and Bank AL Habib Limited does not recommend any investment decision based on them. Customers are requested to take their own investment decisions considering all influencing elements including but not limited to the market risk. AL Habib Stock Market Investment Tutorial × .downloadListItem{background-color: #fff;} body.dark-mode .downloadFieldWrapper .downloadList .downloadListItem { background-color: #202020; } .bgPosBtmLeft { background-position: top !important; } @media (max-width: 575.98px) { .featureWrapper { flex-wrap: nowrap; text-align: left; } }

AL Habib Roshan Digital Account for Foreign Nationals

Introduction The Roshan Digital Account for Foreign National Individuals offers a convenient and fully digital banking solution for individuals looking to access Pakistan’s financial system. Whether you wish to invest, remit funds, or manage your finances in Pakistan, this account enables you to do so seamlessly from anywhere in the world. With a simplified digital onboarding process, secure transactions, and access to a range of banking and investment opportunities, this account is designed to provide ease, transparency, and flexibility. Experience hassle-free banking and explore financial opportunities in Pakistan with confidence. View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Monthly Profit Payout on Savings Accounts Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout for Foreign National fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS How to Open Roshan Digital Account for Foreign Nationals The following steps are required to open the Roshan Digital Account (RDA) in Pakistan: Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 2 working days. Documents Required for Roshan Digital Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Customer's Foreign ID Card Customer Passport (first 2 pages) Specimen Signature (scanned on a white page) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letterhead or bank account statement, etc.) Live Photograph Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. You will also need access to a webcam so that your live photo can be captured. All fields are mandatory. You will have to acknowledge the declaration to proceed to the next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome, or Firefox to avoid any difficulties during the process. Before you start, we advise you to also clear your browser cache/cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; } .roshan-linked-tabs { background: #fff; display: block; border-radius: 15px; height: 100%; padding: 10px; box-shadow: 0 0 10px 0 #eee; border: 1px solid #eee; transition: all .5s; } .logoCarouselImg { height: 125px; width: 100%; position: relative; } .iconCarouselImg { position: relative; } .iconCarouselImg { height: 90px !important; width: 100% !important; } .logoCarouselImg img { position: absolute; top: 0; bottom: 0; left: 0; right: 0; margin: auto; max-width: 100%; } .roshan-linked-tabs:hover { text-decoration: none; box-shadow: inset 0 0 45px 0 #ddd; } h4.mt-0.mt-md-4.display-3 { font-size: 0.8rem !important; margin-top: 0 !important; } h1.caption-heading.mt-md-5 { margin-top: 0 !important; } .iconCarouselImg img{width: 65px;}

RDA Service Request Form

Roshan Digital Service Form allows Roshan Digital Account holders to request the following services: Fund Transfer Payment of Utility Bills Issuance of Banker’s Cheque, Foreign Demand Draft and Foreign Telegraphic Transfer Cash Withdrawal Cheque Book Request You can nominate a person to collect the requested cash withdrawal or bankers Cheque. Filled and signed forms are required to be emailed to us at rda@bankalhabib.com Our representative will contact you to process your request further. For customers requesting services for the first time would be required to submit the following indemnity form along with the services form. Apply Now Service Request Form Email Indemnity for RDA Transactions For all future requests indemnity form will not be required

AL Habib Roshan Apna Ghar

Roshan Equity Investment

Roshan Samaaji Khidmat

Wazir e Azam Apna Ghar Program

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. Apply Now 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 Owning 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 business for SEB (Self Employed Businessmen) & SEP (Self Employed Professional). Minimum 2 years employment period for Salaried. Minimum 3 years employment period for Government salaried employees (Contractual) Minimum 5 years employment period for non-government salaried employees (Contractual) 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; } }

AL Habib Roshan Digital Business Account

Introduction AL Habib Roshan Digital Business Account is designed to empower Non-Resident Pakistanis and Foreign Nationals seeking to invest in Pakistan with ease. This fully digital account provides a seamless gateway to Pakistan’s financial ecosystem, enabling businesses to conduct transactions, manage funds, and access growth opportunities remotely. With a streamlined onboarding process, secure banking channels, the account offers convenience, flexibility, and efficiency for global entrepreneurs. Manage and invest your business finances in Pakistan anytime, anywhere without the need for physical presence. View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current account with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT Account is fully repatriable Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Business Account fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS How to Open Roshan Digital Business Account The following steps are required to open the Roshan Digital Business Account in Pakistan: Provide Business Information. Enter the OTP received on your email address & provide the account opening information. Provide details of all natural persons associated with the business. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 5 working days. Documents Required for Roshan Digital Business Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Documents for Directors/Person Authorized to Operate the Account: Identity documents (Foreign ID card/CNIC, SNIC, NICOP, POC) must be valid or Scanned original Passport 1st & 2nd page. Specimen Signature (on white plain paper) Documents for Company: Registration Certificate Verification link or details of registration certificate (if any) By-Laws / Memorandum of Association / Article of Assosciation / Partnership Deed / Trust Deed / Relevant Incorporation etc Company Profile along with concern Directors & Stakeholders Tax Certificate / Declaration / Exemption Existing Bank Account Verification Certificate Board Resolution / Authority Letter Signatories Sign with T&C Consent ID documents of all Natural persons. Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. You will also need access to a webcam so that your live photo can be captured. All fields are mandatory. You will have to acknowledge the declaration to proceed to the next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome, or Firefox to avoid any difficulties during the process. Before you start, we advise you to also clear your browser cache/cookies to ensure the application runs smoothly. AL Habib Roshan Digital Business Account User Guide Please Download The User Guide For Roshan Digital Business Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; } .roshan-linked-tabs { background: #fff; display: block; border-radius: 15px; height: 100%; padding: 10px; box-shadow: 0 0 10px 0 #eee; border: 1px solid #eee; transition: all .5s; } .logoCarouselImg { height: 125px; width: 100%; position: relative; } .iconCarouselImg { position: relative; } .iconCarouselImg { height: 90px !important; width: 100% !important; } .iconCarouselImg { width: 100px; height: 110px; position: relative; } .logoCarouselImg img { position: absolute; top: 0; bottom: 0; left: 0; right: 0; margin: auto; max-width: 100%; } .roshan-linked-tabs:hover { text-decoration: none; box-shadow: inset 0 0 45px 0 #ddd; } h4.mt-0.mt-md-4.display-3 { font-size: 0.8rem !important; margin-top: 0 !important; } h1.caption-heading.mt-md-5 { margin-top: 0 !important; } .iconCarouselImg img{width: 65px;}

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 9.50% p.a 3 Months Deposit 9.50% p.a 6 Months Deposit 9.50 p.a 1 Year Deposit 11.50 p.a 2 Year Deposit 10.75% p.a 3 Year Deposit 10.75% p.a 4 Year Deposit 10.75% p.a 5 Year Deposit 10.75% 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 9.00% p.a (1st & 2nd Profit Payment) Second Year 9.00% p.a (3rd & 4th Profit Payment) Third Year 9.00% 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 11.25% p.a 2 Year Deposit 10.50% p.a 3 Year Deposit 10.50% p.a 4 Year Deposit 10.50% p.a 5 Year Deposit 10.50% p.a * Expected Rate of Return on deposits effective May 01, 2026. (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 11.50% p.a * Expected Rate of Return on deposits effective 01 May, 2026. (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. Direct Investment Registered Scheme Salient Features Direct Investment Investment in Registered Schemes Easy & Convenient Payment Options Relaxation in taxes Easy Repatriation of Funds Anytime (Terms & Conditions apply) .termdepositIcon.termdeposit-1 { background-image: url('https://www.bankalhabib.com/app/bahl/assets/addons/bahl/bahl/bahl_theme-theme/resources/images/gem-01.svg?v=1584024243'); } .termdepositIcon.termdeposit-11 { background-image: url('/files/images/gem-icon.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/COVID19-icons-05.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/COVID19-icons-04.svg'); } .termdepositIcon.termdeposit-4 { background-image: url('/files/images/mahana_munafa.svg'); } .termdepositIcon.termdeposit-5 { background-image: url('/files/images/al_habib_salana_munafa.svg'); } .termdepositIcon.termdeposit-7 { background-image: url('/files/images/fixed_term_deposit.svg'); } .termdepositIcon.termdeposit-8 { background-image: url('/files/images/special_saver.svg'); } .termdepositIcon.termdeposit-9 { background-image: url('/files/images/fcy-termdeposit.svg'); } .social-section span { font-size: 33px; color: #15804f; vertical-align: middle; } .social-section strong { margin-right: 5px; vertical-align: middle; } .social-section a { display: inline-block; width: 40px; height: 40px; background: #15804f; border-radius: 50px; margin: 0 3px; vertical-align: middle; } .social-section a i { color: #fff; font-size: 40px; line-height: 40px; } .social-section a .icon-instagram { width: 40px; height: 40px; background-size: 70%; } .social-section a:hover { background: #fbb040; text-decoration: none; } .social-section a:hover .icon-instagram { background-image: url('/files/images/intagram-icon.svg'); } .schedule-txt { display: inline-block; padding: 12px 20px; background: #cccccc61; margin: 10px 0 25px 0; } .schedule-txt p { margin: 10px 0; } .schedule-txt strong { width: 200px; display: inline-block; } .atm-content { direction: ltr; text-align: left; } .table-responsive { display: table; } div.dataTables_wrapper div.dataTables_length select { font-family: gilroy; } table.dataTable thead .sorting:before, table.dataTable thead .sorting:after, table.dataTable thead .sorting_asc:before, table.dataTable thead .sorting_asc:after, table.dataTable thead .sorting_desc:before, table.dataTable thead .sorting_desc:after, table.dataTable thead .sorting_asc_disabled:before, table.dataTable thead .sorting_asc_disabled:after, table.dataTable thead .sorting_desc_disabled:before, table.dataTable thead .sorting_desc_disabled:after { bottom: 1.5em !important; } .contentSection ul li{line-height:1.5;} select.foreign-currency-dd { background: none; color: #fff; padding: 10px; border: 1px solid #fff; width: 250px; } .foreign-currency-dd option { background: none; color: #333; } @media screen and (max-width: 767px) { div.dataTables_wrapper div.dataTables_filter label { width: 100% } div.dataTables_wrapper div.dataTables_filter input { width: 84% !important; margin-bottom: 25px; } .dataTables_length { display: none; } div.dataTables_wrapper div.dataTables_paginate ul.pagination { justify-content: center !important; } .table-responsive { display: inherit; } } .bgPosBtmLeft { background-position: center center !important; }