Debit Card Terms & Conditions

Debit Cards

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

Signature Debit Card Term & Conditions

Livestock Financing For Dairy Farmers

About Scheme Finance facility is available for eligible farmers, under our approved product “AL Habib Kissan Livestock & Dairy Development Finance Scheme" against acceptable collateral and cash flows. Bank AL Habib and Nestle’ Pakistan have an agreement to provide short, medium and long-term financing facilities to dairy farmers affiliated with and duly recommended by M/S. Nestle’ Pakistan Ltd. Main Features Dairy farmers working with Nestlé since last more than 2 years with a valid CNIC/identity doc, living / working in the area for more than five 5 years. One year running finance facility, renewable every year upon satisfactory conduct to meet day to day requirement of running dairy/livestock farms. Term Finance Facility, for a tenor from 2 to 5 years to purchase animals, livestock & dairy equipment/machinery and distribution / transportation requirement. These financing facilities are available at discounted mark-up rates. SBP Refinance Scheme Talk to our Agri Experts

SME Banking

Offeredfor SMEs SME Products and Services SBP Refinance Schemes OtherSchemes SME Products & Services For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures. SME Definition Classification Annual Sales Turnover Limit / Exposure SE Up to PKR 150 Million PKR 25 Mio Start-up SE A small enterprise up to 5 years old will be considered as start-up SE ME Above PKR 150 Million to PKR 800 Million PKR 200 Mio Start-up ME A Medium Enterprise up to 5 years old will be considered as start-up ME SBP Policy - Promotion of SME Finance Download PDF *Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch. Downloads Prudential Regulations of SBP for SMEs SME Financing and Services Working Capital Financing Short Term Financing Long Term Financing Commercial Vehicle Financing AL Habib Zariya / Receivable Financing Export/Import Auto Lease Trade Finance Guarantees Refinance Facility for Modernization of SME SBP introduced the scheme for SMEs to modernize and also to address power shortages. View Details Refinance & Credit Guarantee Scheme for Women Entrepreneur SBP introduced the scheme for the Women Entrepreneurs. View Details Small Enterprise & Credit Guarantee Scheme for Special Person SBP introduced the scheme for Special persons falling under small enterprise (SE) category. View Details Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise SBP introduced the scheme for working capital financing of Small Enterprise & Low End Medium Enterprise. View Details Long Term Financing Facility (LTFF) for Plant and Machinery SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower. View Details Export Finance Scheme SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products. View Details Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS) Government of Pakistan has approved revisions in the key features of PMKJ-YES with a view to make it more purposeful and beneficial for small businesses and agriculture. View Details Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details

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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

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.

Refinance Scheme for Women Entrepreneurs

Refinance Facility for Modernisation of SME