Schedule of Bank Charges January June 2017
Particulars Page No. Loans 1. Karobar Loan 2. Home Loan. Salary Loan. Sarmaya Qarza 5. Group Loan 6. Dairy Animal Financing (Cows / Buffaloes) 7. Livestock Financing (Goats /Sheep) 8. Gold Card 9. Alternate Energy Solar System 10. Agriculture Group Loan 11. Private School Financing 12. Microenterprise Lending 1. Agent Financing 1. Easypaisa Loan Secured 15. Easypaisa Loan Unsecured 2 2 2 2 Deposits 1. Non Clearing Accounts 2. Clearing Accounts. Basic Banking Account (Without Cheque Book). Collection & Clearing 5. Pay Order 6. Funds Transfer 7. ATM Charges 8. Agents / Merchants 9. APM Business 10. Pay Card 11. Miscellaneous 12. Cheque Book Charges 1. Non Clearing Accounts Cheque Book Charges 1. Real Time Gross Settlement Fee 15. Health Insurance Fee 5 5 5 5 6 6 6 6 7 7 7 8 8 8 8 Page 01
Loans 1. Karobar Loan (For Fresh & Repeat) Up to 2 months Up to 2.5% of the loan amount or 2. Home Loan Up to 60 months Up to 2% of the loan amount. Salary Loan Up to 6 months Up to 2% of the loan amount or Rs. 1,000/ whichever is lower. Sarmaya Qarza Bullet Loans EMI Loans Up to 12 months Up to 6 months For Fresh For Rollover For Repeat c. Prepayment Charges (for EMI Loans only) d. Late Payment Penalty e. Fee on loss of delivery letter f. Collateral Return Charges (from Non Home Branch) g. Handling of Authority Letter (where applicable) h. Daily Collateral Custodial Charges beyond 10 days (where applicable) Up to 2% of the loan amount Up to 2% of the loan amount Up to 1.5% or Rs. 600/ whichever is higher 5% of outstanding principal amount Rs. 200/ Rs. 00/ Rs. 00/ Rs. 50/ Page 02
5. Group Loan Up to 6 months Rs. 500 per loan 6. Dairy Animal Financing (Cows / Buffaloes) c. Animal Insurance charges d. Late Payment Penalty Up to 2 months Up to 2.5% of the loan amount or % of the animal worth 7. Livestock Financing (Goats / Sheep) c. Animal Insurance charges d. Vet Charges e. Late Payment Penalty Up to 12 months 2.0% of the loan amount or.5% of the loan amount Rs. 150 per animal Rs 20/ per day up to 90 days 8. Gold Card (For Fresh Loan) c. Line Renewal Fee d. Late Payment Penalty e. Prepayment Charges Up to 6 months Up to 2% of the approved limit Up to 2% of the approved limit N/A 9. Alternate Energy Solar System Up to 2 months Up to 2% of the loan amount 10. Agricultural Group Loan Up to 12 months Up to 2.5% of the loan amount or Page 0
11. Private School Financing Up to 2 months Up to 2.5% of the loan amount or 12. Microenterprise Lending Bullet Running Finance EMI Up to 1 year years line Up to 60 months (as per product) Up to 2% or Rs. 5,000/ whichever is lower 1. Agent Financing d. Intra day Charges e. Prepayment Charges 1 year renewable Credit Line Up to % of Credit Line 1. Easypaisa Loan Secured 1 Year Credit Line 15. Easypaisa Loan Unsecured Upto 1 Year Page 0
Deposits 1. Non Clearing Accounts a. Minimum Balance to open Current Account b. Minimum Balance to open Asaan Account c. Minimum Balance to open PLS Account d. Minimum Balance for Profit on PLS Account Rs. 1/ (plus cheque book) 2. Clearing Accounts a. Minimum Balance to open Current Account b. Minimum Balance to open Asaan Account c. Minimum Balance to open PLS Account d. Minimum Balance for Profit on PLS Account e. Low Balance Charges on PLS Saving Rs. 1/ (plus cheque book). Basic Banking Account (Without Cheque Book): a. Minimum Balance to open Current Account. Collection & Clearing: a. OBC Collection (Cheque) b. OBC Return c. Cheque Return Charges Inward Clearing d. Cheque Return Charges Outward Clearing e. Intercity Clearing f. Intercity Clearing Return Charges g. Same Day Clearing h. Same Day Clearing Return Rs. 250/ (postage and actual DD charges charged by the drawee bank) Rs. 250/ per cheque Rs. 100/ per cheque Rs. 250/ per instrument (plus corresponding bank Rs. 200/ per instrument (plus corresponding bank Rs. 00/ per cheque (plus corresponding bank Rs. 00/ per cheque Page 05
5. Pay Order a. Issuance For Account Holder For Non Account Holder Rs. 50/ Per Pay Order Rs. 100/ Per Pay Order b. Cancellation Charges For Account Holder For Non Account Holder Rs. 50/ Per Pay Order Rs. 100/ Per Pay Order C. Duplicate Issuance For Account Holder For Non Account Holder Rs. 50/ Per Pay Order Rs. 100/ Per Pay Order 6. Funds Transfer a. Fund Transfer b/w Own Branches (intercity) b. IBFT Charges (Per Counter Transaction) c. Cross Bank Deposit Rs. 60/ Rs. 100/ per transaction d. Online Banking Charges Cash Deposit (all TMFB branches) Cash Withdrawals (all TMFB branches) 7. ATM Charges a. Use of ATM (For TMFB Customers) b. ATM Card Issuance Fee (For Fresh & Replacement) c. ATM Card Replacement fee (For Group Loans) d. ATM Platinum Card (For Fresh & Replacement) e. Withdrawal (TMFB Customer 1 Link/M Net Switch) f. Balance Inquiry (TMFB Customer 1 Link Switch) g. Balance Inquiry (TMFB Customer M Net Switch) h. Balance Inquiry (TMFB Customer TMFB ATM) Rs. 200/ per card Rs. 100/ per card Rs. 00/ per card Rs. 15/ per transaction (charged by other banks) Rs. 5/ per transaction (charged by other banks) 8. Agents / Merchants a. Merchant Discount Rate Up to 1.% + FED Page 06
9. APM Business a. Cash withdrawal APM Location Rs. 15/ plus FED b. Cash withdrawal at door step c. Cash to IBFT at APM Location Rs. 0/ plus FED Rs. 100/ plus FED 10. Pay Card a. Funds Transfer to Pay Card b. Pay Card Issuance Fee c. Replacement of Pay Card Fee d. Supplementary Pay Card Fee e. Prepaid Card Issuance Fee Rs. 10/ plus FED Up to Rs. 100/ Rs. 150/ Rs. 200/ Rs. 100/ 11. Miscellaneous a. Stop Payment Charges b. Stop Payment of Cheque Book List c. Current Account Closure Charges d. PLS Account Closure Charges e. Certificate Issuance Charges f. Statement of Account g. Duplicate Statement of Account / Advice Charges h. Corporate Salary Disbursement i. Copy of Paid Cheque (less than 6 months) j. Copy of Paid Cheque (up to 1 year) k. Copy of Paid Cheque (above 1 to 5 year) l. Mailing Charges (Postage, Courier & Fax) m.confirmation of Balance to (rd Party Auditors) n. Dormant / Inoperative Account Reactivation Charges o. Collateral Liquidation Charges p. Legal Notice Charges q. Safe Keeping of Cash in Holidays Rs. 100/ per instrument Rs 200/ per instrument Up to Rs. 150/ plus FED Rs 100/ Rs. 5/ per statement Rs. 5/ per statement Rs. 10/ per transaction Rs. 100/ Rs. 200/ Rs. 500/ Actual or Minimum Rs. 50/ Rs. 100/ Rs. 500/ Rs. 200 per notice 0.1% of the amount deposited per day Page 07
12. Cheque Book Charges a. 25 Leaves b. 50 Leaves c. 100 Leaves Rs. 150/ Rs. 00/ Rs. 600/ 1. Non Clearing A/C Cheque Book Charges a. 05 Leaves (To be used only for PDCs) b. 25 Leaves Rs. 15/ Rs. 75/ 1. Real Time Gross Settlement Fee Time a. From 0900am to 125pm b. From 126pm to 115pm c. From 116pm to 1515pm Fee Rs. 220/ Rs. 0/ Rs. 550/ 15. Health Insurance Fee Corresponding with the insurance benefit (offered / chosen) as per insurance contract with insurance company Note: All taxes /excise duties / withholding tax etc. levied by the Government are to be recovered from the customer in addition to the charges as specified above. Page 08