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.