1. AITEMAAD CURRENT ACCOUNT – PKR
- Islamic Mode: Qardh
- Type of Product: Current (Regular Non-Remunerative Account)
- Currency: Pakistani Rupees (PKR)
- Minimum Initial Deposit: PKR 100/-
- Customer Type: Various, including adults, sole proprietorship, minors, partnerships, limited companies, NGOs, etc.
- Profit Payment: Not Applicable
- Loss Distribution: Not Applicable
- Overdraft: Not Allowed
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
2. AITEMAAD CURRENT ACCOUNT – FCY
- Islamic Mode: Qardh
- Type of Product: Current (Non-Remunerative Account)
- Currencies: USD, GBP, EURO
- Minimum Initial Deposit: USD 100/-, GBP 100/-, EURO 100/-
- Customer Type: Similar to PKR Current Account
- Profit Payment: Not Applicable
- Loss Distribution: Not Applicable
- Overdraft: Not Allowed
- Features: Cheque Book, Pay Order, Demand Draft, Statement of Account, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
3. AITEMAAD SAVING ACCOUNT
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Regular Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 100/-
- Customer Type: Various
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Overdraft: Not Allowed
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
4. AITEMAAD TERM DEPOSIT CERTIFICATE
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Term (Remunerative Certificate)
- Currency: PKR
- Minimum Issuance Amount: PKR 10,000/-
- Customer Type: Similar to Saving Account
- Tenure: 1 Month to 5 Years
- Profit Calculation: Daily Product
- Profit Payment: Monthly and Maturity
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
5. AITEMAAD BASIC BANKING ACCOUNT
- Islamic Mode: Qardh
- Type of Product: Current (Non-Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 1,000/-
- Customer Type: Adult Individual
- Profit Payment: Not Applicable
- Loss Distribution: Not Applicable
- Withdrawal Restrictions: Maximum four transactions (cash/clearing) per month.
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
6. AITEMAAD ASAAN CURRENT ACCOUNT
- Islamic Mode: Qardh
- Type of Product: Current (Non-Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 100/-
- Customer Type: Adult Individual, Minor, various categories including skilled/unskilled workforce, pensioners, etc.
- Profit Payment: Not Applicable
- Loss Distribution: Not Applicable
- Withdrawal Restrictions: Total Debit per month PKR 500,000/-
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Free Benefits: Cheque Book and Debit Card issuance
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
7. AITEMAAD ASAAN SAVING ACCOUNT
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 100/-
- Customer Type: Adult Individual, Minor, various categories
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: Total Debit per month PKR 500,000/-
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Free Benefits: Cheque Book and Debit Card issuance
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
8. AITEMAAD MAHANA BACHAT ACCOUNT
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: Varies based on customer type
- Customer Type: Various, with different minimum deposits
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: No
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Free Benefits: Issuance of Cheque Book, Pay Order, Demand Draft
- Eligibility for Free Benefits: Based on average monthly balance
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
9. AITEMAAD INCOME SUPPORT ACCOUNT
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 1,000/-
- Customer Type: Adult Individual
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: No
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Free Benefits: Cheque Book issuance, Debit Card issuance and annual fee
- Eligibility for Free Benefits: Based on average monthly balance
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
10. AITEMAAD SENIOR ACCOUNT
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 1,000/-
- Customer Type: Adult Individual, Senior Citizens (55 years and above), Pensioners, Retired Employees, Widows, Special/Disabled Persons (18 years and above)
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: No
- Features: Cheque Book, Debit Card, Pay Order, Demand Draft, SMS Alerts, Statement of Account, Lockers, Online Banking, etc.
- Free Benefits: Cheque Book issuance, Debit Card issuance and annual fee
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
11. AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – ISLAMIC FINANCIAL INSTITUTIONS
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 100,000/-
- Customer Type: Islamic Financial Institutions (IFIs)
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: No
- Features: Cheque Book, Pay Order, Demand Draft, Statement of Account, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
12. AITEMAAD INSTITUTIONAL DEPOSIT ACCOUNT – NON BANKING FINANCIAL INSTITUTIONS (NBFIs)
- Islamic Mode: Mudharabah (Unrestricted)
- Type of Product: Saving (Remunerative Account)
- Currency: PKR
- Minimum Initial Deposit: PKR 100,000/-
- Customer Type:Non-Banking Financial Institutions (NBFIs)
- Profit Calculation: Daily Product
- Profit Payment: Monthly
- Loss Distribution: Shared proportionately in case of loss, provided no negligence by the bank.
- Withdrawal Restrictions: No
- Features: Cheque Book, Pay Order, Demand Draft, Statement of Account, etc.
- Charges: As per NBP Aitemaad – Schedule of Charges (SOCs)
Please note that all Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs). The charges/fees/waiver/grid/criteria will be reviewed and updated from time to time.