Schedule of Charges

Loan Markup Rate

Product  Markup Rate 
Pak Oman Qarobari Qarza 40% 
Bara Karobar Loan 40% 
Live Stock Loan 40% 
Pak Oman Salary Loan 40% 
Micro Agri Loan unsecured 39%
Micro Agri Loan secured 34%
Leasing 39%
 

Loan Processing fees

Loan Range Processing fees
70,000 – 100,000 4.00% of loan amount (upfront)
100,001 – 200,000 3.50% of loan amount (upfront)
200,001 – 500,000 3.50%  of loan amount (upfront)
500,001 & Above 20,000 (Fixed Amount)
 

Loan Penalty on Delayed Payments 

Description Charges
All products       Rs. 30 per day**
**Penalty amount will be charged till the maturity of the loan.
 

Fixed Deposit Product

 

                                      Individual & Corporate Product

  Rates
Tenor Profit on Maturity Monthly Profit
1 Month 8.00% p.a. -
3 Months 8.25% p.a. 8.00% p.a.
6 Months 8.50% p.a. 8.25% p.a.
1 year 9.50% p.a. 9.25% p.a.
2 years 10.25% p.a. 10.00% p.a.
3 years 10.50% p.a. 10.25% p.a.
 

                                       Senior Citizens and Widows

  Rates
Tenor Profit on Maturity Monthly Profit
1 Month 8.25%p.a.  
3 Months 8.5%p.a. 8.25%p.a.
6 Months 8.75%p.a. 8.50%p.a.
1 year 9.75%p.a. 10.00%p.a.
2 years 10.50%p.a. 10.00%p.a.
3 years 10.75%p.a. 10.50%p.a.
 
Other Charges

Rs. 750 to be charged for duplicate certificate issuance.
 
 
Penalty Rates / Early Encashment Rates
Encashed before 3 months No Profit shall be paid
Encashed after 3 months but before completion of 6 months Pay profit  Rack Rate less @ 4.00%
Encashed after 6 months but before completion of 1 Year Pay profit Rack Rate less @ 3.50%
Encashed after 1 Year but before completion of 2 Years Pay profit Rack Rate less @ 3.25%
Encashed after 2 Years but before completion of 3 Years Pay profit Rack Rate less @ 2.75%