Schedule of Bank Charges January to June 2024

Registered Office: BOP Tower, 10-B, Block E-II, Main Boulevard Gulberg III. Lahore

UAN: 111-267-200

www.bop.com.pk

Schedule of Bank Charges

January to June 2024

1/30

Sr.#

R1- General

DESCRIPTION

IMPORTS

EXPORTS

INLAND LETTER OF CREDIT

CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)

STANDING INSTRUCTIONS FEE

SALE AND PURCHASE OF SECURITIES / SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & IPS

LOCKERS

MISCELLANEOUS CHARGES

ADC SERVICE CHARGES FOR ATM/DEBIT MASTERCARD

OTHER CHARGES

CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs

REMITTANCES

A) Foreign Currency (FCY)

B) Local Currency (LCY)

BILLS

R3- Consumer / SME Financing

1) SONEY PE SUHAGA

2) PERSONAL LOANS

3) SMART ADVANCE CASH

4) CONSUMER AUTO LEASE (CARGAR)

5) BOP HUMRAHI

DIGITAL BANKING CHARGES

CHARGES FOR BOP MASTER CREDIT CARD

BANK CHARGES FOR GOVERNMENT BUSINESS

GUARANTEES

ADVANCES

R2- Agriculture Financing

12) MERA PAKISTAN MERA GHAR (LOW COST HOUSING)

13) BOP FORI SAHULAT

14) BOP APNI DOKAN

6) SESEUY 1.0 (Self -Employment Scheme for Unemployed Educated Youth)

7) APNA ROZGAR SCHEME

8) FLEET FINANCING

9) HOUSE LOANS

10) ASHIANA HOUSING FINANCE

11) BOP SHAMSI TAWANAI

2/30

R4- Government Initiatives

GENERAL NOTES

Yes

Tax applicable

a) Tax not applicable

b) Services are free

TAI

Tax already included

18) Electronic Warehouse Receipt Finance

15) BOP KAMYAB KAROBAR

16) BOP SUPPLY CHAIN FINANCE

17) BOP E-Business Qarza

Charges for Consumer Finance shall be as per policy and terms of the approved Scheme/PPM

Bank reserves the right to change markup rates.

Facilities under specialized products/deposit Schemes shall be applicable.

No Service fees shall be charged from the student depositing the fee directly in the fee collection account of the educational institution

All types of government levies from time to time including FED, Provincial Taxes, Duties, Zakat, etc on customer account will be deducted in addition to the bank charges,

where applicable.

All banking services are exempted from applicability of Provincial sales tax (PST) / Federal Excise Duty (FED) in Gilgit-Baltistan.

1) PRIME MINISTER YOUTH BUSINESS & AGRICULTURE LOAN SCHEME

2) PUNJAB ROZGAR SCHEME

3) BOP SME Asaan Finance (SAAF)

BOP ROSHAN DIGITAL ACCOUNT (RDA)

FEATURES OF SPECIALIZED PRODUCT/DEPOSIT SCHEMES (INCLUDING WAIVER/CONCESSIONS)

BOP STAFF

Provincial sales tax (PST) / Federal Excise Duty (FED) Grid

Banking services (Cheque book issuance charges, Cheque return charges, Hajj & Umrah charges and Utility bills collection ) are exempted from applicability of Provincial sales

tax (PST) / Federal Excise Duty (FED) in Azad Jammu & Kashmir and Islamabad.

In case of clients maintaining substantial deposit and/or routing handsome ancillary business, the bank reserves the right to waive some/all charges. Such waiver will be

approved by respective Business/Group Head or relevant committee.

Charges are negotiable, as per approval terms

In case of Govt/Treasury Collections, Rs. 15/- (inclusive of taxes) will be charged for printing of duplicate challan form; subject to availability of option by respective biller.

Charges for ATM/Debit Card renewal, SMS banking, Locker rent, account maintaining etc. cannot be recovered from prohibited Accounts of UNSC, OFAC (US) & 4th scheduled

Persons/Entities (proscribed individuals/entities) freezed under advice of CCG and Deceased Accounts.

For all general banking services provided to Conventional A/C holders through Islamic branch counters, charges will be applicable as per Islamic Banking SOBC.

For all general banking services provided to Islamic A/C holders through Conventional branch counters, charges will be applicable as per Conventional Banking SOBC.

GL Codes are mentioned against respective service charges where applicable. However where it is not required, N/A has been mentioned

BLIND CUSTOMERS/ DIFFERENTLY ABLED PERSONS: All accounts of customers who are blind or differently-abled, as evidenced through their C/SNICs or written medical

evidence, are exempted from levy of monthly Account Maintenance charges. All other charges are applicable, as per the features of specific accounts opened by such

customers will be in accordance with the SOBC.

3/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

A-

IMPORTS

I - LETTER OF CREDIT COMMISSION

Letter of Credit

102010204

Yes

2 a)

L/C upto PKR 25 M against Lien on PKR Profit Bearing BOP Deposit/All

types of BOP FC Deposits

102010204

Yes

2 b)

L/C up to PKR 25 M against 100 % Cash Margin or Lien on PKR Return

Free BOP Deposits

102010204

Yes

3) Revalidation Commission

102010204

Yes

4) Change of Beneficiary / Transfer of LC

102010204

Yes

5 a) Non reimbursable LC under Barter / Aid / Loans

102010204

Yes

LC or LG under “Suppliers/ Buyers Credit” Pay as You Earn Scheme

And Deferred Payment LCs for Period over one year.

102010204(LC)

102010203(LG)

Yes

Issuance of LG undertaking favoring any bank for providing forward

exchange risk cover under supplier/ buyers Credit on behalf of

applicant.

102010203

Yes

If bills are to be drawn at a Usance under LCs other than “Pay As You

Earn Scheme (PAYES)”, suppliers / buyers credit and deferred

payment LCs on yearly basis.

102061065

Yes

Amendments

i) Without increase in amount or extension in period of shipment /

negotiation.

102010204

Yes

ii) Involving increase in amount and/or extension in period of

shipment / negotiation.

102010204

Yes

Markup on Import Bills under Letter of Credit.

(Mark up is to be charged on Daily Product basis from the date of

negotiation till the date of payment /retirement of bill.)

101010803

If the negotiating bank mentions the date of claim of reimbursement

on its covering schedule / SWIFT message, mark up should be charged

from that date instead of date of negotiation )

101010803

CHARGES

a) 0.5% per QTR Subsequent QTR 0.45% per QTR

Min Rs. 3,000/-

Commission @ 0.05% per qtr, min. Rs. 1,250/-

LC of any amount if against 100% Cash Margin or return free deposits

then Rs. 1,000/- only.

NOTE:

In case the Letter of Credit liability increases due to exchange rate fluctuation, by virtue of providing forward cover to the customer, the above L/C

commission at a) is also to be charged on enhanced amount. Further reduction in charges as above, needs relevant Business Head's approval.

Rs.1,250/- per amendment (flat) plus SWIFT / Courier charges (if any).

Rs.1,500/- per transaction plus commission as per item 01 to 02 +

SWIFT / Courier charges (if any) Min Rs. 1500/-

a) SIGHT BILLS

1) If retired within 10 days from date of negotiation / remittance,

Mark-up @ 3Months KIBOR + 5%.

2) If retired after 10 and within 20 days from date of negotiation /

remittance, 3Months KIBOR + 10%.

3) If retired after 20 days from date of negotiation / remittance,

3Months KIBOR + 15%

b) USANCE BILLS

In case of Overdue Acceptances / Overdue Payments created due to

non-payment on maturity against Usance LCs/ Suppliers’ Credit / Pay

As You Earn Scheme / Deferred Payment LCs: As per sanction advice

otherwise Mark-up @ 3Months KIBOR+ 20%

As applicable for opening of fresh LCs, i.e. in item I (1 to 2)

Commission will be charged on liability amount, calculated as per

prevailing exchange rate on the date of revalidation

When beneficiary of the LC is changed at the request of the applicant,

commission is charged as applicable in case of fresh LC, as mentioned

in item I (1 to 2) above

1% for 1

quarter and 0.30% for each subsequent quarter or part

thereof – Minimum Rs. 1,000/-

1. Commission @ Rs.0.50% per quarter or part thereof at the time of

opening of LC on full amount of LC/LG liability plus interest payable

thereon for the period from the date of opening of LC/LG till expiry.

Thereafter Commission to be recovered on six monthly basis on

outstanding / reducing liability as per Schedule of Bank Charges in

vogue. In case forward cover is provided against LC/LG under

suppliers/ buyers Credit, LC/LG Commission shall be recovered at the

booked rate. Min. Rs.5,000/-

2. In case LC not involving Usance bills, such as deferred payment LCs,

acceptance commission @ 0.30% per quarter is also to be recovered

for any period after the validity of LC at the time of payment of

installment even if the installment falls due after the expiry of the

Letter of Credit. Min Rs. 5,000/-

Commission @0.5% per quarter to be charged on reducing liability on

booked rate.

Min. Rs.5,000/-

0.50 % per quarter Flat till the date of maturity of acceptance & no

commission will be charged for the overdue acceptance period.

4/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

8-a)

Overdue FIM & FATR/FE 25 etc.

101010805 &

101010804 /

101010813

II- HANDLING CHARGES

9) Import Bills returned unpaid

102061065

Yes

10) Collection 102060402

Yes

11) Fee for registration of contract CAD/DA Basis/Amendments

102010221

Yes

12)

Import against advance payment to Suppliers/ Import against receipt

of documents directly by the importers

102060402

Yes

13)

Service charges against import transactions i.e. import bills / PAD

collections

102060405

Yes

14)

Endorsement of AWB for release of goods under registered contract/

collection (Bank to Bank Only)/LC.

102060402

Yes

15) LC / Contract Cancellation Charges

102061065

Yes

16) Correspondent bank Charges N/A Yes

17) Handling of discrepant import documents

102061065

Yes

18)

Registration of Contract with SBP in respect of Private Foreign

Currency Loans obtained by borrowers in Pakistan from foreign

lenders.

102010221 Yes

19)

Issuance of Certificate regarding opening of L/C Registration of

Contract to another bank for booking of forward exchange at

importer’s request

102061065

Yes

20) Issuance of Freight Certificate for Imports on FOB Basis.

102061065

Yes

21)

SBP Approval cases for remittances / import related transactions i.e.

Advance Payment , excess shipment etc.

102061065

Yes

22)

EIF Approval on FOC basis (Open Account, FOC, under warranty claim

or any other with similar nature)

102061033 Yes

B- EXPORTS

Letters of Credit

a) Advising

102010207

Yes

b) Amendment Advising

102010207

Yes

c) Negotiation of Rupee Bills under Export LCs

101011004

Yes

d) Confirmation

102010207

Yes

e) Transfer of Export LCs

102010207

Yes

0.12% - Min Rs.1,200/-

Rs.2,300/- per collection

Rs.1,800 + SWIFT/Courier charges (if any)

At actual + SWIFT/Courier charges (if any) or as negotiated by FID

i) If charges are on Importer/LC Applicant's account All charges for

correspondence SWIFT etc. plus foreign banks charges (if any)

ii) If charges are on Exporter/LC Beneficiary's account:-

upto US$ 75/- or equivalent

Handling Charges 0.20% - Min. Rs.5,000/-

As per sanctioned advice otherwise markup @ 3Months KIBOR + 5%

on outstanding amount from the date of overdue till full adjustment

Note:

a) Markup will be charged on import bill net of cash margin deposited with the branch before the date of negotiation till the retirement of the

bill. However, no markup will be charged if 100% cash margin is held.

b) Rate of mark-up is subject to change/or as approved by respective credit committee.

c) Even commission will be charged as per CA, minimim charges as per SOBC are mandatory to be charged to the customer.

Further reduction in charges LCs/amendments and / or contract needs relevant Business Head's approval.

US$ 75/- (Flat) from forwarding bank plus courier / SWIFT charges, if

any.

i) Upto Rs. 1,200/- per collection if charges are on Drawee's

(Importer's) account

ii) US$ 75/- if charges are on Drawer's (Exporter's) account

0.20% Min. Rs.1,800/- (Flat), uptill 1 year and later on the

commission will be recovered again @ 0.20 %.

Upto 0.15% (Min charges: Upto Rs. 1,500/-) plus applicable SWIFT

charges

Flat Rs.1,000/- per application

Rs.1,250/- Per certificate

Free

Rs.2,400/- per EIF

i) If payable by beneficiary Rs.2,400/- (Flat)

+ applicable courier / swift charges.

ii) If payable by applicant US $50/-

+ applicable courier / swift charges.

Rs. 1,000/-(Flat) + Courier (if applicable)

Rs. 1,800/- + Courier (if applicable) for Non-Customers

0.30% flat Minimum Rs. 500/- OR

subject to negotiation and approval from competent authority

Confirmation charges for both Foreign and Local banks to be

negotiated and approved by FID

Rs. 2,400/- Per LC

5/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

f) Reimbursement payment to other local Banks from Non-Resident

Rupee A/C

102061065

Yes

If the documents are sent to other Banks for negotiation under

restricted L/C

102061065

Yes

3 Charges on advance payment

102060405

Yes

4 Research & Development Surcharge/Handling charges

102060405

Yes

COLLECTIONS

a) Clean (against export proceeds).

102060405

Yes

b) Documentary (on which banks do not earn any exchange

difference).

102060405

Yes

6 Handling of Duty Draw Back Claim/DL/TL

102060405

Yes

Service Charges against Export Documents sent on Collection Basis

Where payment cover is already received in our NOSTRO A/c

102060405

Yes

8 EXPORT REFINANCE

i) NOC for Export Refinance Entitlement(EE & EF)

102060405

Yes

ii) Preparation of Substitution case in ERF-Pre shipment

102060405

Yes

iii)

1) Overdue Export Refinance

2) FAFB/ FAPC Own Source

3) FE 25 etc

101010811

iv) Over due FDBP/IDBP (If not available in sanction advice)

101011004

C- INLAND LETTER OF CREDIT

1 Inland handling charges

102060405

Yes

2 Forced PAD Inland Bills

101010803

Yes

3 Inland Letters of Credit

102010204

Yes

4 Amendment Charges

102010204

Yes

5 Service Charges

102060405

Yes

6 Advising/Amendment/Confirmation charges of (inward) Inland LCs.

102010207

Yes

Documentary Bills Drawn Against Inland Letter of Credit.

Sight Bills

a) At Negotiating end

101011004

Yes

b) Collection charges for restricted LC (where negotiation is

restricted to some other Banks and presented to us for forwarding)

102010303

Yes

c) At opening end (at the time of retirement) Rates of Mark-up:

i) If retired within 3 days from the date of lodgment

101010803

Rs.1,000/-

Rs.600/-

0.20% Min. Rs.1,500/- on realization with no documents handling

charges.

Handling charges of PKR 1,200/- if we handle documents of other

banks.

Rs.2,000/- per case

Rs. 300/- per collection + Courier charges

0.20 % Min Rs.550/- per collection or as per approval by respective

business head

Mark-up @ 3Months KIBOR +5% from due date till the adjustment

OR as per approved CA Package.

Note: In case of New EFS Facility i.e. Rupee based discounting ( ERF Facility and FDBP will be applied)

0.50% per quarter and 0.35% for subsequent quarter Min Rs. 2,000/-

3Months KIBOR + 3% for first 10 days,

For next 10 days 3Months KIBOR + 5% &

After 20 days 3Months KIBOR + 6%

0.50% per quarter Min. Rs. 3,000/-

Discrepant document handling charges on inland LCs Rs. 5,000/- +

FED/PST. LC of any amount if against 100% Cash Margin or return

free deposit then Rs. 1,000/- only.

Rs.1,500/- per transaction flat plus commission as above, if

amendment involves increase in amount or extension in period

0.50% per claim minimum Rs. 900/-

0.20 % Min Rs. 1,500/- per collection

Note: Any charges for delayed repatriation of export proceeds levied by State Bank of Pakistan, will be recovered from the concerned client accordingly.

Rs.2,100/- Flat per case

Rs.2,300/- Flat per case

For LCY Financing:

Markup @ 3Months KIBOR + 5% from due date till the adjustment or

as per CA Package

For FCY Financing under F.E 25:

LIBOR + 5% OR as per approved CA Package.

0.10 % (Minimum Rs.500/-).For each bill lodged.

Rs. 1,000 (flat) for advising and amendment. Confirmation charges

shall be negotiated by FID separately on case to case basis.

Charges are negoiable as per aproval or 0.50% flat - Min Rs. 600/-

Courier charges Rs.200/- in either case.

Rs.750/- (Flat) Per Bill + Courier Charges Rs.300/-

3Months KIBOR + 2%

6/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

ii) If retired after 3 days but within 20 days of lodgment

101010803

iii) If retired after 20 days of lodgment

101010803

Usance Bills

1) Negotiating End

101011004

Yes

a) Markup on documentary Bills Purchased /Negotiated under Inland

101011004

2) Opening End

a) At the time of Acceptance of the Bills and for defferred payment

LCs as well.

102060402

Yes

b) At the time of booking

102060402

Yes

c) At the time of maturity/due date

102060402

Yes

3) At Collecting End

a) Collection charges

102060402

Yes

D-

OTHER CHARGES

(To be recovered where applicable)

1 Foreign Postage

102060901

2 Foreign Courier

102060902

3 Foreign Cable / SWIFT

102060904

4 Foreign Fax / Telephone

102060903

PRC ( Proceeds Realization Certificate )

a) Issuance of Proceeds Realization Certificate within one year.

102060405

b) Issuance of Proceeds Realization Certificate after one year.

102060405

Yes

c) Duplicate Proceeds Realization Certificate

102060405

Yes

a) Handling Charges in lieu of exchange earning where importers /

exporters buy/sell Foreign Exchange from/to other Banks for LC

opened / contract registered/export documents issued / lodged

through us.

102060402

b) Test/Signatures/Mail LCs verification charges

102061065

c) Handling charges for export payments transferred to other banks

within Pakistan, on customer's request.

102060426

Yes

7 Obtaining credit report on foreign buyer/ supplier.

102061065

Yes

Agency Arrangements: Arrangements with banks, institutions and

companies for handling their inward, outward remittances and other

services.

102010108

Yes

i) Issuance of Business performance Certificate at customers request

102060405

ii) Freight subsidy Claim Processing

102061065

PURCHASE (FBP / FDBP)

a. Clean bills including T.Cs. drawn on banks abroad.

102010201

Yes

3Months KIBOR + 5%

3Months KIBOR + 6%

NOTE:

No Mark-up will be charged from the date of negotiation till the date of lodgment of documents received under Inland LCs, where the payment as per

reimbursement arrangement is made to the negotiating bank only on receipt of documents. No Markup charged if already held cash margin under said LC.

Further reduction in charges/markup needs relevant Business Head approval.

Charges are negoiable as per aproval or 0.50% flat - Min Rs. 600/-

Courier charges Rs.200/- in either case.

I) In case of Sight LCs Mark-up is to be recovered/charged as per

approval of Sanctioning Authority.

(II) In case of Usance LCs Mark-up is to be recovered/charged as per

approval of Sanctioning Authority.

III) In case of Usance LCs of our own Bank, Mark up is to be

recovered / charged as per approval of Sanctioning Authority.

Acceptance Commission @ 0.20% per month shall be

recovered/charged for the Usance Import Bills for the period beyond

the date upto which the commission has already been charged at the

time of opening of LC or thereafter any extension is made in the

validity of the LC.

Rs.600/- (Flat)

Ps. 04 per US$ or equivalent in other currencies. Minimum Rs.500/-

Yes

Rs.600/-

Rs.5,000/- on per transfer.

Rs. 350/- plus foreign bank / credit reporting agency charges and

SWIFT / Courier charges (if any)

Commission 0.25% Minimum Rs.900/-, Maximum Rs.5,000/- + courier

charges Rs.300/-

Rs. 300/- or actual which ever is higher

Rs. 4,500/- or actual which ever is higher

(Note: Where the party has direct arrangements with the courier

company, no charges are to be recovered)

Message for LCs/SBLC/LG/Misc. Communications

Short message Rs. 1,000/-

Full message Rs. 2,000/-

Actual (if applicable)

Free

Rs.500/- (Flat) per Certificate.

As per agreement

Rs.1,000/-

Yes

Rs.100/- per case

OD Buying Rate is to be applied plus Commission US$10/- Flat or

equivalent in other FC plus Postages/ SWIFT/ Courier charges

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SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

b. Documentary

102010201

Yes

c. Handling of export documents under foreign LC

102060402

d. FDBP

102060405

Yes

11 Commodity Exchange Arrangements

102010503

Yes

SWIFT Funds Return Charges

USD/EUR/GBP/JPY/SAR/AED

102061033

Yes

E-

CHARGES ON MAINTENANCE OF FOREIGN

CURRENCY A/Cs

Cash Handling Charges

a) At the time of cash deposit receipt into account.

102060401

b) At the time of withdrawal (if funds deposited in cash) from account.

102060401

Incidental charges, if average monthly balance in any account falls

below US$ 500/- or equivalent in other currencies.

102060415

TAI

a. Outward collection drawn on other banks (other than exports

proceeds)

102010302

Yes

b. Outward collection drawn on BOP Branches

102010302

c. Inward Collection

102010302

Yes

d. Outward/inward collection items returned unpaid

102060801

4 Standing Instructions

102061043

Yes

Cheque Book issuance Charges - FCY

Note: No PST/FED in branches operating in Islamabad, Azad Jummu

& Kashmir and Gilgit-Baltistan

102060403

Yes

Issuance of new Cheque Book in lieu of Lost Cheque Book or Cheque

Book Requisition ( These charges are in addition to Stop Payment

charges -if any)

Not e: No PST/FED in branches operating in Islamabad, Azad Jummu

& Kashmir and Gilgit-Baltistan

102061004

Yes

7 Stop payment of cheques

102060910

Yes

8 Release of Stop Payment of Cheques

N/A

Note:

Handling commission of 0.5 % flat on the amount of commodity

exchange arrangement.

20/-

In respective currencies.

a) No

b) Yes

a) Free

b) No Charges on withdrawls upto USD 5000, GBP 3,000 EURO 3,000

For amount above these, 0.5% of the cash withdrawals / Remittance /

transfer from account, if not retained in the account for 15 days.

(Charges may be deducted in foreign currency or in equivalent PAK

Rupees at BOP Buying Rate)

Relevant Bill Buying Rates, as circulated vide our daily exchange rate

bulletin, are to be applied plus postage/SWIFT/ Courier charges.

Note:

In case the proceeds of the bills are not realized within maturity/ due

date (i.e. max upto 21 days in case of sight bills or as allowed in CA or

in case of usance the due date calculated as per tenor of the bill). 0.30

% flat, Rs.350/- Minimum or as approval of Sanctioning Authority.

Free

(i) Rs.2,400/- only (Clean) or

(ii) In case discrepant Rs.1,680/-

US$ 5/- per transaction or equivalent in other currencies.

PLS A/c Rs. 18/- per leaf

CD A/ c Rs. 12/- per leaf

Note: Facilities under Specialized Products/ Deposit schemes shall be applicable

Customized cheques (Negotiable on Case to Case basis)

PKR 18/- per leaf

a) Up to 5 cheques per instruction Rs. 550/-

b) More than 5 cheques per instruction Rs. 1,100/-

● Charges may be collected in Pak Rupee or Foreign Currency in all categories.

● Any out of pocket expenses related to the bank transactions, not covered above, will also be charged to the clients.

Upto Rs 50 /or equivalent per month

US$ 5 per collection or its equivalent in other currencies plus SWIFT/

Courier charges (if any)

Collection charges : Free

SWIFT / courier (if any) Actual

US $ 15 plus Swift/ courier charges (if any)

(These charges are to be deducted from the proceeds of remittance)

Rs.250/-plus Foreign bank charges at actual plus SWIFT/courier

charges (if any)

Free

Note : If the Cheque(s) for which Stop Payment instruction is being released is among

the series of stopped cheques, then remarking Stop Payment for rest of the Cheque (as

per system functionality) will be free of cost.

● Clarification issued by International Division vide their F.E. Information Circular # 146 dated 13.11.2002 must also be referred.

8/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

F-

REMITTANCES

A) FOREIGN CURRENCY (FCY)

I- OUTWARD REMITTANCES:

Outward remittance through Debit of Foreign Currency Account

excluding Travelers Cheques ( OFTT , FDD, FMT)

SWIFT Charges

OFTT:

102010113

FDD/FMT:

102010104

102060904

TAI

a) Issuance of duplicate FDD

102061033

b) Cancellation of OFTT /FDD

102061033

FOREIGN REMITTANCES AGAINST PAK RUPEES:

a) Students ( for education purposes)

OFTT

FDD/FMT

102010113

102010104

TAI

b) Patients (for health purposes)

OFTT

FDD/FMT

102010113

102010104

TAI

c) Other Payments (Regardless of Amount)

OFTT

FDD/FMT

102010113

102010104

TAI

d) For Regular Trade Customer

OFTT

FDD/FMT

102010113

102010104

Yes

II- INWARD REMITTANCES

Home Remittances

a) If proceeds are to be credited to Pak Rupees account maintained

with any of our branches.

102010106

b) Others, where proceeds are to be paid in Pak Rupees to other local

banks

102010106

Yes

Inward Cheques received from local branches or local banks for

payment in Pak rupees (convert the relevant foreign currency at TT

buying rate).

102010106

a) No

b) Yes

Inward Collection received from abroad or local banks and where the

payment is demanded in foreign currency.

102010107

Yes

Outward Collection (of OFBCs) realized for credit into Pak Rupees

Account

102010302

Yes

B) LOCAL CURRENCY (LCY)

Universal Cheque (UC)

a) Issuance of Univeral Cheque

102010101

Yes

b) Cancellation of Univeral Cheque for Account Holder

For Non account holders

c) Issuance of Duplicate Univeral Cheque for Account Holder

For Non account holders

Customers handled under cash management services (Duly approved

by the Competent Authority)

N/A Yes

Note: All charges may be recovered in Pak Rupees or equivalent in other foreign currencies.

PKR 350 (inclusive of FED/PST) plus out of pocket charges (USD10

minimum)

PKR 350 (inclusive of FED/PST) plus out of pocket charges (USD10

minimum)

PKR 1160 or 0.29% of TT amount (Inclusive of FED/PST), whichever is

higher

Negotiable

i) Up to US $ 25,000 (or equivalent): US $ 15 (or equivalent, inclusive

of FED/PST).

ii) Above US $ 25,000 (or equivalent): US $ 30 (or equivalent,

inclusive of FED/PST).

As per point D- 3 of this SOBC

Rs.650/- plus SWIFT/Courier charges, (if any). Foreign Bank's charges

also apply.

Yes

Rs.650/- plus SWIFT/Courier charges, (if any)

Rs.550/- plus SWIFT/ Courier charges

i) Through A/c Rs. 400/- (Flat) irrespective of current or saving

account.

ii) Charges for issuance of Universal Cheque for payment of fee/dues

in favour of Educational Institutions, HEC/Board etc.0.50% of

fee/dues or Rs.25/- per instrument, whichever is less.

(Free as per product features of BTA, LCA & YEA if qualified.)

102010102

Rs.425/- (Flat) per UC

Negotiable

Free

Charges /Commission on Universal Cheque/Pay Order (if any) plus

Courier/Postage charges

a) If received from BOP branches ---- Free

b) Others --- Rs.370/-plus Cable/Courier charges

Rs.550/- plus SWIFT/ Courier charges

Yes

Rs.720/- (Flat) per UC

102010103

Rs. 425/- (Flat) per UC

Yes

Rs.800/- (Flat) per UC

9/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

Call Deposit Receipt (CDR)

a) Issuance of Call Deposit Receipt to A/c holders through debiting

his/her own A/c

102010105

b) Issuance of duplicate CDR

102010103

Yes

c) Cancellation of CDR N/A No

3) Verification of Payment Instruments (UC, CDR etc) N/A No

G- BILLS

I Collections

a) Documentary

102010301

Yes

b) Outward Bills for Collection (OBC)

102010301

Yes

c) Same day clearing through NIFT

102010309

Yes

Intercity clearing through NIFT

102010304

Yes

Bank Gurantee collection / Handling Charges

102060402

Yes

Collection of instruments through on-line deposited with any Branch.

102010305

Direct Cheque Deposit Facility

102010310

Yes

II Purchase of Bills, Cheques etc.

Documentary Bills other than those Drawn against Letters of Credit

and Clean Bills/Trade Cheques

101011006

Yes

III a) Instruments cleared/collected within Local Area of NIFT N/A No

NOTE:

Up to Rs.100(M) Yes

Above Rs.100(M) up to Rs.500(M) Yes

Above Rs.500(M) up to Rs.1000(M) Yes

Above Rs.1000(M) Yes

Returning charges in case the instruments are returned unpaid for:

Documentary Collections

Clean collections (Including LBC/OBC)

102060802

Yes

Mark up shall be applied as under on Bills Purchased/ Negotiated

including Documentary Bills other than those drawn under Inland LCs

If proceeds are not realized within 12 days from the date of purchase

and upon maturity of the Usance period

102010214

Yes

Rs.130/- Flat

1. Rs. 300/- for account holder

2. Rs. 400/- for non account holder

Free

Rs.525/- per collection

Rs.325/-

0.1% of the Guarantee amount with minimum of Rs. 1000/-

Free

Note: For instruments sent in intercity/same day clearing,

intercity/same day clearing charges will be recovered.

0.2 % of transaction amount, Maximum Rs.500/-

Note: Charges will be recovered upfront from the customer

presenting the cheque for payment in his/her account.

Note: No charges are to be recovered on CDRs fvg. 'Food Department' for issuance of BARDANA, as detailed in Misc.Inst.Circular No:2018/058 dated 16.04.18.

Free

0.40% Minimum Rs. 500/- + Postage/Courier Charges Rs.75/- Flat. If

BOP branch exists in collecting city, Rs. 1000/- Flat

0.25% Minimum Rs. 300/- Maximum Rs.5,000 +

Courier Charges Rs.75/- Flat.

1. Postage/Courier Charges are to be recovered on Collection/Realization of each instrument (whether clean or Documentary). However, in case where party

has deposited more than one Cheque/instrument on a particular date to be collected/drawn on the same drawee or on the same Branch of the Bank,

postage/courier charges are to be recovered once only.

2. Collecting agent’s charges, if the collecting bank is other than the bank, will be extra.

3. Telegram/Trunk call charges will be extra, if fate of the instrument is asked by Telephone/Fax

Rs.500/- flat per bill

Rs.300/- flat per bill

Note: No PST / FED for branches operating in Islamabad, Azad Jammu & Kashmir and Gilgit-Baltistan

Ps. 70/1000 per day or Markup as per approval of Sanctioning

Authority plus collection/courier charges

Markup rate 6 Months KIBOR + 5% with a minimum of Rs. 500/-

(plus charges as applicable w.r.t. clearing /collection service used) or

any other special rate approved by the relavant credit committee.

Free

If total annual/annualized volume exceeds Rs.50(M) following slabs shall be applicable:

0.20% Min Rs.35/-

0.15% Min Rs.35/-

0.10% Min Rs.35/-

0.05% Min Rs.35/-

Imports volume (Local +foreign) to be considered for Imports

Exports volume (Local +foreign) to be considered for Exports

Note:- LCs for machinery / Project will not qualify for volume criteria and rate may be negotiated & agreed by the customer and Bank.

10/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

H-

CHARGES FOR ON-LINE BANKING

(CASH/CLEARING/TRANSFER)

Inter city & Intra city For Savings & Current

Cash Withdrawal

Cash Deposit

Cheque Transfer

102060601 No

On-line collection/receipt/ remittance through challans in accounts of

Newly established Metropolitan/ Municipal Corporations, Municipal

Committees & District Councils

102060601 No

3) Customers handled under Cash management services 102060601 No

4) Online Collection of Govt Taxes & Duties (OTC & ADCs) 102060601 No

I - STANDING INSTRUCTIONS FEE

Standing Instructions fee will be recovered in addition to the usual

charges on remittances/other services, if any.

102061068

TAI

Customers handled under Cash Management Services (Duly approved

by the Competent Authority)

102061068

Yes

J -

SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY

ARTICLES IN SAFE DEPOSIT AND IPS

1) Sale and Purchase of shares & securities

102060402

Yes

Withdrawal fee on shares and securities held in safe custody (to be

recovered at the time of withdrawal).

102060402

II) Withdrawal fee on Govt. securities.

102060402

III) Charges for collection of interest/return/dividend.

102060402

IV)

Handling Charges for conversion renewal, consolidation or subdivision

of Government Securities.

102060402

V) Public Flotation of Shares

102060402

VI) Issue of Right Shares

102060402

VII) IPS Account Service Charges 102060405 No

VIII) Movement of Securities 102060405 No

2) Articles in Safe Custody

Boxes (Duplicate Keys of other bank branches will be accepted in

Boxes)

102060427

Yes

b) Envelopes

102060427

Yes

K-

LOCKERS

Rent/Fee/Key Deposit, etc. for Safe Deposit Lockers (To be recovered

in advance)

Size of Locker

Small

Medium

Large

Extra Large

Yes

Rs. 10/- per scrip

Note: Where shares and/or securities sold are from those held in safe custody, either commission on sale of shares and securities, as shown against item (I) or

withdrawal fees, as shown against item (II) and (III) whichever is higher, will be charged, but not both.

0.30% on the amount of interest/ return/ dividend collected/ paid.

Min. Rs. 20/-

Rs. 20/- per scrip

Case to case basis

Free

Rs. 255/- per transaction (inclusive of FED/PST)

Free for Bancassurance Standing Instructions

Case to case basis

Opening of IPS A/c Free

Maintenance of IPS A/c Free

Transfer in from Other Banks Free

Transfer to Other Banks Free

Collection of Coupon from SBP Free

Rs. 5/- (flat) per 100 cubic inches or any part thereof with a min of Rs.

400/- per Qtr. + FED/PST

Branches must ensure to recover/deduct charges along with

applicable FED/PST and credit in the GL

Rs. 3/- (flat) per 25 sq. inches or any part thereof with a min of Rs.

400/- per Qtr. + FED/PST

Branches must ensure to recover/deduct charges along with

applicable FED/PST and credit in the GL

Negotiable

0.35% upto Rs. 10,000/- of purchase price or Cost thereof Min. Rs. 40/-

0.20% On amount exceeding Rs.10,000/- Min. Rs.75/-

Note:

a) The above charges are in addition to brokerage.

b) Commission is not to be recovered on purchase of newly floated securities, where it is payable by the Government/Government Agencies and from the subscribers

to new shares floatation.

c) When orders for purchase or sale of shares/securities are executed through the bank's other offices, all incidental expenses, such as postage/courier, insurance

charges etc., incurred will be recovered in addition to commission/ brokerage charges.

0.25% upto Rs. 10,000/- of the paid-up or face value. Min. Rs. 20/-

0.125% on amount exceeding Rs.10,000/-

102060101

Annual Rent (Inclusive of FED/PST)

TAI

Rs.5,220/-

Rs.6,960/-

Rs.8,500/-

Rs.11,750/-

Late Payment Fee Rs. 250/- for Small, Rs. 300/-for Medium, Rs.350/-for Large, Rs.700/-for Extra Large per month with grace period of one Month.

GL: 102060102

11/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

Key Deposit (FED/PST Not Applicable)

Small

Medium

Large

Extra Large

3 Breaking Charges

102060105

Yes*

Customers handled under cash management services (duly approved

by the competent authority)

N/A Yes

L- MISCELLANEOUS CHARGES

a) Reactivation of Dormant Account

102061033

b) Retrieval of unclaimed amount from SBP

102061033

Duplicate statement of account or as and when demanded by the A/c

holder other than Periodical statements dispatched

102060411

Yes

3 E-Statement

N/A

a) 3rd Party Funds Transfer through PRISM (MT 103)

- Bank charges will be deducted and parked at Branch Level. - RTGS

SBP share will be transferred to Treasury Operations

102010111

Yes

b) 3rd Party Funds Transfer through PRISM (MT-102)

- Bank charges will be deducted and parked at Branch Level

- RTGS SBP share will be transferred to Treasury Operations

102010111

Yes

c) Reprocessing of Returned Funds

102061033

5 Issuance of SBP/NBP cheques

102061033

Yes

Handling charges for issuance of Student Exchange Remittance

permit and maintenance of record for subsequent remittances

102061033

Yes

1. Cheques return charges presented in Normal Outward Clearing.

US Dollar Clearing (as a collecting Banker)

102060801

Yes

2 (i) Cheque return unpaid in outward clearing

same day

intercity

102060801

Yes

(ii) Cheques received in inward clearing and returned unpaid

102060801

Yes

Photo Copy of the Paid Cheque(s)

Upto one year

Above one year upto three years

Above three years

Issuance of Balance Confirmation Certificate / Account Maintenance

Certificate

102061033

Yes

Issuance of Certificates “TO WHOM IT MAY CONCERN” (Business

Performance Certificate)

102061033

Yes

a) Issuance of Balance Confirmation Certificate to External Auditors

102061033

Yes

b) Certificate regarding profit & tax deducted during current or other

than current financial year

102061033

12 Account closing charges

102010507

Rs.5,220/-

102060101

Rs.6,960/-

Rs.8,120/-

Rs.11,310/-

Rs. 30.17 per statement + Province wise FED/PST

SBP charges 9:00 a.m. to 2:00 p.m Rs.200

2:00 p.m. to 3:30 p.m Rs.300

3:30 p.m. to 4:30 p.m Rs.500

+ Bank's commission @10% of SBP charges

Note: Currently charges are FREE. Will be reinstated as above

after notification from SBP.

Maximum PKR 50/- per payment instructions

(PKR 25/- SBP Charges +

PKR 25/- Bank charges)

Note: Currently charges are FREE. Will be reinstated as above after

notification from SBP.

SBP charges

Rs.500/- per cheque

No charges if issued to Banks/DFIs & Corporate Customers

Actual or Rs. 4,000/- which ever is higher

(FED/PST on residual income)*

Remarks All terms & conditions in our circulars issued from time to time

Rate Negotiable

Note: Key deposit to be taken from all account holders of all product types such as BTA, NAAZ Account, BOP KHAAS Account etc.

Free

102061033

Yes

Rs. 250 per cheque

Rs. 750/- per cheque

Rs. 1,500/- per cheque

Rs.145/- per annum

Free for PKR

US $ 5 per Transactions

Rs. 350/-

Rs.550/- including NIFT charges (LCY)

US$ 7, GB.£ 6, Euro€ 6 (FCY)

These charges are to be recovered from the drawer (our A/c holder)

who has issued the cheuqe drawn on our bank branch which is

returened unpaid due to insufficient funds, where cheque retunred

on counter no charges will be recovered.

Note: No PST / FED for branches operating in Islamabad, Azad Jammu & Kashmir and Gilgit-Baltistan

Free

Rs. 300/- per Certificate

Rs. 450/- per certificate

Rs. 300/- per Certificate

Free

12/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

13 NIFT charges for Non-MICR coded instrument

302012106

14 Handling Charges for marking of Lien on Govt. securities.

102060402

Yes

15 Marking of Lien on securities issued by the Bank for other Banks

102060402

Yes

Cheque Book issuance Charges - LCY

Note: No PST/ FED for branches operating in Islamabad, Azad Jammu

& Kashmir and Gilgit-Baltistan

102060403

Yes

Issuance of new Cheque Book in lieu of Lost Cheque Book or Cheque

Book Requisition ( These charges are in addition to Stop Payment

charges -if any)

Not e: No PST/FED in branches operating in Islamabad, Azad Jummu

& Kashmir and Gilgit-Baltistan

102061004

Yes

18 Stop payment of cheque

102060909

Yes

19 Release of Stop Payment of Cheques

N/A

Account maintaining charges on CD A/Cs only where the Average

Balance is below Rs.10,000/- during a month

102060410

TAI

21 Breach of deposit/withdrawal limits in BBA

102060410

TAI

22 Collection of charges on behalf of the Govt. received through challan

102061033

Yes

23 Salary Handling charges

102060407

Yes

Note: customers handled under cash management services (duly

approved by the competent authority)

Yes

24 Cash withdrawal through Biometric Verification

102010514

Yes

25 Payment of Prize Money of National Prize Bonds (NPBs)

102061033

Yes

26 Emigrant/Overseas Employment Certificate

Fee for Emigrant/Overseas Employment Certificate

(Under the Emigration Rules, 1979-Certificate Type, Form 7 & 9)

Issuance/Duplicate

N/A

ii)

Encashment/ Refund of Emigrant Fee:

i) Encashment to Promoter in BOP account only.

(Note: Only issuing branch is eligible to encash Certificate in the

promoter's account being maintained with BOP for the purpose.)

ii) Refund, through transfer to Emigrant’s BOP account/Issuance of UC

to “Walk-In” Emigrant.

(Note: Only issuing branch is eligible to refund the emigration fee)

N/A

Rs.12.50/-

Rs 500/-

PLS/Finance A/c Rs. 18/- per leaf

CD/BBA Rs. 12/- per leaf

(Zakat Committees and Zakat Mustehqeen A/Cs are exempted)

Note: Facilities under Specialized Products/ Deposit schemes shall be applicable

Customized cheques (Negotiable on Case to Case basis)

Same as Cheque book issuance charges - LCY

a) Up to 5 cheques per instruction Rs. 550/-

b) More than 5 cheques per instruction Rs. 1,100/-

i) Rs.50/- (inclusive of FED/PST) per month (except zakat committees,

students, mustehqeen-e-zakat, salary A/cs of Govt/Semi Govt

employees, Pensioner's account (only for salary/pension purpose)

including widows/children of deceased employees eligible for family

pension/benevolent fund grant etc.

ii) All CD accounts opened by the TDR holders, exclusively for the

purpose of crediting half year return, account opened for for the

purpose of availing BOP consumer Finance are exempted.

iii) BBA, Assan Accounts, Asaan Remittance Accounts and Assan

Digital Accounts are also exempted.

iv) No charges shall be levied on dormant/ unclaimed accounts.

v) Exempted for specific Government Schemes

Rs.50/- (inclusive of FED/PST) per month

To be negotiated with customer on case to case basis as per signed

SLAs/Cash Management Services/Collection arrangement.

Rs.25/- should be recovered from the employer's a/c. (Govt/semi

Govt employee's are exempted) However, UC/CDR issuance charges

shall apply in case of private, in addition to Salary Handling Charges,

in all cases where mode of disbursement is UC/CDR which will be

recovered from employer's account or as per arrangement. In case of

Govt, it is exempted.

Free

Note : If the Cheque(s) for which Stop Payment instruction is being released is among

the series of stopped cheques, then remarking Stop Payment for rest of the Cheque (as

per system functionality) will be free of cost.

Negotiable

Rs.250/- per transaction

Cash-In-Transit (CIT) Charges At actual plus Rs.100/-

CIT Charges:-

Claim(s) by Single customer Full charges, as per actual

Claims by Multiple customers Respective share (actual CIT charges

to be divided among number of claimants)

Free

i) Free

ii) Free

13/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

M-

ALTERNATE DISTRIBUTION CHANNELS (ADC) SERVICE

CHARGES FOR ATM/DEBIT MASTERCARD

Classic Debit Master Card

102060713

Yes

Gold Debit Master Card

102060714

Yes

Platinum Debit Master Card

102060715

Yes

KHAAS Platinum Debit Master Card

(for Non-Priority customers only)

Issuance & renewal is free for priority customers. Charges will be

applied if cutomer marked as Ex-priority.

102060726

Yes

World Debit Master Card

102060776

Yes

2 PayPak Debit Card

102060724

Yes

3 Lahore Qalandars Debit Card

102060744

Yes

4 BOP Naaz Debit Card

102060750

Yes

5 Arbitration Charges / False Chargeback (Local and International)

102061033

Yes

6 International Cash Withdrawal at MasterCard ATMs 102060706 Yes

7 Cash Withdrawal at BOP ATM N/A No

8 Cash Withdrawal at 1Link Non-BOP ATM 407130610 TAI

9 Receipt on ATM Cash Withdrawal/Balance Inquiry 407130610 TAI

10 International Balance Inquiry at MasterCard ATMs 102060703 Yes

11 Balance Inquiry at 1 LINK Non-BOP ATMs

102060705

TAI

12 Mini Statement on BOP ATMs N/A NO

13 Direct Shopping at POS 102060716 Yes

14 E-Commerce Transaction 102060716 Yes

* SMS Banking Service Charges 102061002 Yes

* for CD Asaan Accounts 102061002 Yes

SMS Service Charges for intimating customers fate of instruments

sent in Outward Clearing

302012607 No

16 IBFT through ATM

102060708

TAI

17 International ATM Withdrawals through BOP ATMs 102060706 Yes

18 BOP Biometric Verification through ATM 102060727 Yes

19 WhatsApp Account Services N/A No

Issuance & Renewal/Replacement

PKR 1,700 per annum

Supplementary @ PKR 1,000 per annum

Issuance & Renewal/Replacement

PKR 2,400 per annum

Supplementary @ PKR 1,200 per annum

Issuance & Renewal/Replacement

PKR 3,400 per annum

Supplementary @ PKR 2,200 per annum

Issuance, Annual/Renewal/Replacement

PKR 4,400 per annum

Supplementary @ PKR 2,800 per annum

Issuance, Annual/Renewal/Replacement:

*For Khaas/ Priority Current Account PKR 5,500 per annum

*For Khaas/ Priority Saving Account PKR 8,500 per annum

For all Other customers PKR. 15,000 per Annum

Supplementary:

*For Khaas/ Priority Current Account PKR 3,300 per annum

*For Khaas/ Priority Saving Account PKR 5,000 per annum

For all Other customers PKR. 9,000 per Annum

*Subsidized rates will apply in case the customer profile is marked as

a priority otherwise standard rates will be applied.

PKR 1,200 per annum for Issuance/Renewal/Replacment

Issuance/Renewal/Replacment

PKR 2,500/- per annum

Supplementary @ PKR 1,300 per annum

Issuance/Renewal/Replacment

PKR 2,200/- per annum

Supplementary @ PKR 1,100 per annum

USD 550 or equivalent per case

4% of the transaction amount

Free for local transaction

4% of the Transaction Amount for International Purchases

Free for local purchases

4% of transaction amount for International Purchases

PKR 125/- + tax per month

Free For BOP YES Business Account

PKR 70/- + tax per month

Free

* SMS alerts for all international and domestic digital transactions (such as ATM, POS and Internet/Mobile banking transactions, etc.) are free of cost.

SMS Banking Service Charges’ cover the fees for push/pull SMS alerts services, through which customers can receive branch transaction alerts and access to Balance Inquiry

and Card Management, etc. via SMS."

Free

PKR 23.44 per Transaction (Inclusive of FED/Provincial Sales Tax)

Rs. 3.13 per transaction (Inclusive of FED/Provincial Sales Tax)

PKR 300 per inquiry

PKR 3.13 per inquiry (Inclusive of FED/Provincial Sales Tax)

Free

Transfer Amount Fee

Upto PKR 25,000/month Free

Amount exceeding PKR 25,000 0.1 % of transaction amount

for the month or Rs. 200 whichever is lower

(inclusive of FED/PST)

Rs. 650/- plus FED per transaction

PKR 15/- plus FED per transaction

Free

Note :

1Link Charges (where applicable) are subject to revision as per 1Link -SOC.

Customers handled under Cash Management Services (Approved by the Competent Authority) Negotiable

14/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

N- DIGITAL BANKING CHARGES

1 Internet /Mobile Banking Service Charges

102061059

2 Internet /Mobile Banking - IBFT

102061062

TAI

BOP POS - Merchant Discount Rate

102060754

Yes

BOP MasterCard Payment Gateway Services -

One Time Setup Fee (at the time of on-Boarding)

102060753

Yes

BOP MasterCard Payment Gateway Services -

Monthly Fee

102060753

Yes

BOP MasterCard Payment Gateway Services

Per Transaction Charges

102060753

Yes

BOP MasterCard Payment Gateway Services

Per Transaction Charges for real time transaction Monitoring

(Applicable to E Gate only)

102060753

Yes

BOP MasterCard Payment Gateway Services

Merchant Discount Rate ( MDR)

102060754

Yes

BOP POS BNPL -

Buy Now Pay Later Merchant Discount Rate (MDR)

102060754

Yes

1 RAAST ID Registration

N/A

2 Interbank Fund Transfer via RAAST ID

N/A

0- CHARGES FOR BOP MASTER CREDIT CARD

Annual Fee (Basic)

102060746

Yes

Annual Fee (Supplementary)

102060746

Yes

APR (Annualized Percentage Rate)

101012102

Yes

Cash Advance Fee

102060730

Yes

Late payment fee

102060736

Yes

Over Limit Fee

102060738

Yes

Return Cheque

102060806

Yes

Card Upgrade Fee / Downgrade Fee

102060728

Yes

Card Replacement Fee

102060728

Yes

Utility Bill Payment Fee

102010459

Yes

0% APR BT Processing Fee

102060740

Yes

BTF On Installment Plans – Flat Service Fees

102060740

BTF On Installment Plans APR

101012102

Retail Transactions Installment Plan – Flat Service Fees

102060740

Initial Registration fee Free

(including 1st year subscription)

Annual Subscription (subsequent renewal) Free

Transfer Amount Fee

Upto PKR 25,000/month Free

Amount exceeding PKR 25,000 0.1 % of transaction amount

for the month or Rs. 200 whichever is lower

(inclusive of FED/PST)

BOP MasterCard Payment Gateway Services -Merchant Acquiring Business

Up to 2.5% of Transaction Value + FED/ PST

Up to Rs. 50,000 per merchant ID + FED/PST

Mastercard World: Rs. 20,000/-

Mastercard Platinum: Rs. 10,000/-

Mastercard Gold: Rs. 4,000/-

Lahore Qalandar Business Credit Card: Rs. 4,000/-

Lahore Qalandar Executive Business Credit Card: Rs. 10,000/-

Mastercard World: Rs. 10,000 /-

Mastercard Platinum: Rs. 5,000/-

Mastercard Gold: Rs. 2,000 /-

Lahore Qalandar Business Credit Card: Rs. 2,000/-

Lahore Qalandar Executive Business Credit Card: Rs. 5,000/-

3.75% per month (45% Annual Percentage Rate) on Cash Advance

3.75% per month (45% Annual Percentage Rate) on Retail

Transactions

2.08% per month (25% Annual Percentage Rate) on BTF Transactions

3% of transaction amount or Rs 1,000/- (whichever is higher)

Rs. 1,500/-

Up to Rs 5,400/- per month per merchant ID + FED /PST

Up to Rs 25/- per successful transaction + FED /PST

Up to Rs. 5/- for selected high-risk merchants only (Risk level to be

determined by BOP at the time of onboarding and/or at any time

while merchant relationship is active + FED/ PST

Up to 3.5% of Transaction Value + FED /PST

Up to 15.35% of Transaction Value + FED / PST

Note:

Merchant Discount rate and/or other charges may be revised for the merchants with exceptional business provisions subject to the management approval.

RAAST Services:

Free

Upto 4% per month

Yes

3-months: 26.80%

6-months: 30.23%

12-months: 31.72%

18-months: 31.76%

24-months: 31.46%

36-months: 30.59%

48-months: 29.70%

60-months: 28.88%

Upto 4% per month

Yes

Rs. 1,500/-

Rs. 1,000/-

Upto Rs. 100/- per transaction

3-months: 3.5%

6-months: 7.00%

12-months: 14.00%

15/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

Retail Transactions Installment Plan APR

101012102

PO/IBFT/Alliances Installment Plan – Flat Service Fees

102060740

Yes

PO/IBFT/Alliances Installment Plan APR

101012102

Yes

Flexible Installment Plan Processing Fee

102060740

Yes

Flexible Installment Plan pre-payment Charges

102060741

Yes

Foreign Transactions

102060734

Yes

MasterCard Arbitration Charges for disputed transactions

N/A

Yes

Credit Cover Shield Premium

407130763

Yes

SMS & E-Alert Charges

102061120

Yes

Litigation Charges

N/A

Universal Cheque Issuance Charges

N/A

Yes

Direct Debit Rejection Fee

102060806

Yes

24 Lounge Access

N/A

Yes

Gym Visit Fee (Where visits exceed allotment or spend criteria is not

met)

102060729

Yes

Other Credit Card Bill Payment via BOP Credit Card

N/A

Yes

Golf Visit Fee (Where visits exceed allotment or spend criteria is not

met)

N/A

Yes

28 Cash on Call Processing Fee

102060740

Yes

O1 BOP Corporate Credit Card

Annual Fee

102060758

Yes

APR (Annualized Percentage Rate)

101012106

Yes

3 Late Payment Fee

102060772

Yes

4 Card Replacement Fee

102060761

Yes

5 Cheque Return Charges

102060764

Yes

6 Direct Debit Rejection Fee

102060774

Yes

7 Foreign Transaction Charges

102060766

Yes

8 Arbitration Charges

102060774

Yes

9 SMS Alerts Fee

102060773

Yes

10 Credit Limit Enhancement Fee

102060774

Yes

3-months: 31.23%

6-months: 35.15%

12-months: 36.74%

18-months: 36.68%

24-months: 36.22%

36-months: 35.07%

Upto 5% over prevailing market rate or

as per SBP directives. Third currency transactions will be first

converted into US Dollars as per rate quoted under arrangement with

MasterCard.

USD 500/-

Upto 0.65% of outstanding amount

Rs. 100/- per month

At Actual

Rs. 500/- per request

Upto 4% per month

3-months: 35.65%

6-months: 40.05%

12-months: 41.70%

18-months: 41.50%

24-months: 40.88%

36-months: 39.43%

48-months: 38.05%

60-months: 36.82%

Retail: Rs. 1,000/- (Flat)

Alliances: 1.5% or Rs. 500 (Whichever is higher)

Online Installment Plans: 1.5% or Rs. 500 (Whichever is higher)

5% on Balance Amount or Rs 1,000/- whichever is higher

Rs. 20,000/-

Upto 3.75% per month (45% per annum) of the outstanding amount.

Rs 1,500/-

Rs 1,000/-

Rs. 1,000/-

MasterCard Airport Pass:

- Free For Platinum & World Cardholders (As per MasterCard Fee

Guide)

-USD $ 32.00 per Guest Visit ( As per MasterCard Fee Guide)

Rs. 1,500/- per visit

2% of Transaction Amount

Rs. 2,900/ + FED/PST (or as per actual charges charged by merchant)

750 or 1.5% of transaction amount whichever is higher.

Annual Charges: 38% annually

Rs 1,000/-

Upto 5% over prevailing market rate

USD 500/-

Rs 100/- per month

Rs 1,000/-

16/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

P-

BANK CHARGES FOR GOVERNMENT BUSINESS

IMPORTS

Letter of credit

i) up to Rs. 1.000M

102010204

Yes

ii) Exceeding Rs. 1.000M

102010204

yes

iii) Non-reimbursable LC under Barter/Aid/ Loans

102010204

yes

Collection (including all types of Clearing lodgement and cheque

return (inward and outward)) made on Government Accounts

including Market Committees etc.

N/A No

Miscellaneous Charges -Government Accounts

-Duplicate Statement of Accounts as and When demanded by the A/c

Holder other than periodic statements dispatched

- Issuance of Balance Confirmation Certificate/Account Maintenance

Certificate

-Issuance of Balance Confirmation Certificate to External Auditors

-Account maintaining charges on CD A/Cs only where the Average

Balance is below Rs.10,000/- during a month

N/A No

Q- GUARANTEES

Bid Bond Guarantee

102010203

Performance Bond

102010203

Mobilization Advance

102010203

Collector of Customs

102010203

Financial Guarantee

102010203

Other Guarantee

102010203

Issuance of Duplicate Bank Guarantee subject to Management

approval

2 Shipping Guarantee

102010205

a) Guarantee against 100 % cash margin or lien on PKR return free

BOP deposit

b) Guarantee against lien on PKR Profit Bearing BOP Deposit/All types

of BOP FC Deposits

102010203

Yes

4 Back to back Guarantee including counter Guarantee

102010203

Yes

Service Charges for handling claims lodged by beneficiary.

a) Guarantee on customer request in Pakistan

102060402

b) Guarantee issued by Banks abroad at our request

102060402

c) For back to back guarantees

102060402

Amendment in Guarantee (other than increase in amount or

extension of period)

102010203

Yes

Charges for the vetting of Bank Guarantees from Lawyer on Bank's

panel

102010203

Yes

R- ADVANCES

R1 General

Fee and charges in respect of Project Financing in addition to mark-

up/return on investment.

102060501

Yes

3/8% of LC

In addition to above, branches will recover the actual cable/ SWIFT

charges where LCs are desired to be established through cable and

confirmation charges of foreign bank if foreign bank's confirmation is

also to be added on openers request.

Note: The above concessionary rates/Charges will apply only to those letters of Credit which cover imports by the Government routed through SBP. In case

L/C is received directly from the importing agency, normal charges are to be recovered.

No charges to be recovered including returning charges.

Free

* 0.50% Per Qtr. Min. Rs. 2400/-

@1/8% per quarter or part thereof

@1/16% per quarter or part thereof

Yes

Rs.1,800/- Flat

To be negotiated by respective business and FID on case to case basis

To be decided by FID on case to case basis.

Yes

* 0.50% Per Qtr. Min. Rs. 2400/-

0.50% Per Qtr. Min. Rs. 2400/-

0.75% Per Qtr. Min. Rs. 2400/-

0.50% Per Qtr. Min. Rs. 2400/-

PKR 5,000 Per Transaction

Rs 1,800/- (Flat) against 100 to 110% cash margin

Rs.1,000/- Flat

For Back to Back guarantee to be decided by FID on case to case

Rs-3,000/- Per guarantee text

NO Charges for FID Guarantees

1) Application/Evaluation/ Appraisal Fee

Negotiable on case to case basis.

To be recovered as per terms and conditions negotiated with the

customer.

2) Commitment Fee

1.0% of the undisbursed amount at the end of availability period.

3) Legal Documentation Fee

At actual

4) Project Monitoring Fee

As negotiated with the customer

5) Trusteeship Fee

As negotiated with the customer

Charges 1-5 may be wavied/negotiated with the approval from the relvant approving authority/committee.

*For back to back guarantees, to be decided by FID on case to case basis.

a) Rs.1,000/- Flat

b) Commission rate as per I) above or Rs.10,000/- per quarter

whichever is low

To be decided by FID on case to case basis.

17/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

2-A

1 upto Rs. 0 .100(M)

2 Over Rs.0.100(M) To Rs.2(M)

3 Over Rs.2(M) to Rs.5(M)

4 Over Rs.5(M) to Rs.10(M)

5 Over Rs. 10(M) to Rs.50(M)

6 Over Rs. 50(M)

7 Finance 100% secured by Deposit with BOP

8 One time accommodation

9 Excess Over Limit

2-B

TRANSFER OF LOAN ACCOUNT FROM ONE BRANCH TO OTHER (BOP)

BRANCH.

N/A No

3 Charges of CIB report

407130603

4 MISC. CHARGES

NOC Issuance on the request of customers/clients for creating

additional/pari-passu charge /second charge on their fixed assets for

acquiring further project finance from other Banks/ Financial

Institutions.

102061033

Yes

b) All Other NOCs

102061033

Restructuring and re-scheduling Fee

1) Serviceable limits up to Rs.50M

2)Serviceable limits above Rs.50M

102060501

Yes

Commitment Fee (for term loans other than Consortium / project

lending)

102060501

Yes

e) TASDEEQ charges

102061127

TAI

a) Godown Rent

102060103

b) Godown Staff salaries. Salaries of Godown Keepers/ Chowkidar. N/A No

c) For each delivery Order issued Charges against per FIM/Pledge

102061033

Yes

d) Stock Inspection Charges (Hypothecation /Pledge)

102061001

Yes

e) Muqaddum Charges

N/A

Deferral/Interim Review (if do not involve any enhancements)

charges on Finance

102060501

Delivery Charges

If Godown Keeper is not posted, conveyance charges will be

recovered.

102061033

Other Incidental Expenses

Insurance Premium, Legal Charges 102060404 No

Agri Financing

TRACTOR

Processing Fee - Non Refundable (includes Provincial Sales Tax/FED)

The Bank shall not charge separately for ECIB, NADRA Verisys and

Cost of Charge Documents i.e. Government Duties/Fee/Revenue

Stamps.

102060565

TAI

Valuation, Legal Charges, foreclosure charges. All stamp duties, CVT,

and expenses related to property, mortgage, charge creation and

redemption

102060565

Registration/ Transfer Charges 407131297 No

PROCESSING FEE FOR ALL TYPES OF CREDIT LINES ON FRESH, RENEWAL AND SUBSEQUENT ENHANCEMENT AND INTERIM REVIEWS (if involve any

increase)

102060501

As per approval, minimum Rs.1,000/-

Yes

As per approval, minimum Rs.5,000/-

As per approval, minimum Rs.10,000/-

As per approval, minimum Rs.20,000/-

As per approval, minimum Rs. 30,000/-

As per approval

Min Rs.1,000 or As per approval

0.10% of EOL amount Min. Rs. 500/-

1) 0.10% of restructured amount, minimum Rs. 10,000/-

2) 0.10% of restructured amount, minimum Rs. 50,000/-

0.50% p.a. to be recovered on actual no. of days from 30 days after

issuance of DAC till availment or end of availment or end of

availability period (whichever comes earlier) for the undisbursed

amount.

Rs 150/- ( inclusive of FED/PST)

Note: Misc. charges may be waived /negotiated with approval from relevant committee/authority.

For Finance against pledge/ hypothecation the various charges may be levied as follows:-

Actual

Note:

Free

Rs.60/- per report/borrower

On case to case basis as per agreement with the party

Min upto Rs. 10,000/-

Free

Actual/arranged and paid by the customer

Note: While recovering the miscellaneous charges like Godown rent, Godown staff salary, inspection charges etc. the amount recovered from the borrowers

shall not exceed the total rent of the Godown, salary of the Godown staff etc. In other words miscellaneous charges should be levied as per actuals and

should not become a source of profit to the bank.

The below are standard charges which may be customized/increased/decreased based on individual approval of a loan or terms of MOU/arrangement agreed with particular

organization on case to case basis.

Actual

Rs.125/- per delivery order or as per Facility Offer Letter (FOL)

i) In case of inspection (Hypothecation or Pledge) by outside

surveyors, actual billed amount to be recovered from customer’s

account.

ii) If Pledge inspection is carried out by Bank staff as per CPM, PKR

2,000/- per site within radius of 100 KM from RCAD premise should

be recovered as inspection charges while Rs 2500/- should be

recovered beyond radius of 100 KM, in addition to travelling expenses

Note:

1. Incase the Bank Staff visited along with outside surveyor, above

charges will be applicable in addition to the charges billed by the

surveyor.

2. No charges in case of surprise inspection by Bank’s staff.

At Actual

Free or as per approval

Actual

Rs. 5,000 per tractor

For women: Rs. 3,000 per tractor

At Actual

At Actual (To be recovered upfront)

18/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

Late Payment Charges 102061030 Yes

Income estimation charges

102060565

Repossession Charges 407130625 No

Early Termination/Partial adjustment

102061007

Yes

Warehouse Charges for repossessed tractors 407130634 No

Insurance & Tracker Cost 407130625 No

AGRI VEHICLE LEASE

Processing Fee - Non Refundable (includes Provincial Sales Tax/FED)

Inclusive of revenue stamp, Govt. Duties/ Fee, ECIB Charges, Nadra

Verisys etc.

102060565

TAI

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and expenses related to property, mortgage, charge

creation and redemption

102060565

Evaluation/Registration/Legal Charges

407130633/40

7131297

Late Payment Penalties 102061030 Yes

Fitness Certificate and route permit certificate, wherever applicable N/A No

Early termination Charges 102061007 Yes

Balloon payment charges 102061007 Yes

Income estimation charges

102060565

Repossession Charges 407130625 No

Warehouse Charges for repossessed Agri Vehicles 407130634 No

Insurance & Tracker Cost 407130625 No

AGRI RUNNING FINANCE

Processing Fee/ Renewal/ Enhancement Fee Non Refundable

(includes Provincial Sales Tax/FED)

The Bank shall not charge separately for ECIB, NADRA Verisys and

Cost of Charge Documents i.e. Government Duties/Fee/Revenue

Stamps.

102060501

TAI

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and expenses related to property, mortgage, charge

creation and redemption

N/A No

Late/ Non Payment Penalties (includes Provincial Sales Tax/FED) 102061032 TAI

Income Estimation Charges N/A No

Asset/ Crop Insurance N/A No

AGRI TERM LOANS

Processing Fee (Non Refundable) Including FED

The Bank shall not charge separately for ECIB, NADRA Verisys and cost

of charge Documents i.e. Government Duties/Fee/Revenue Stamps.

102060565

TAI

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and expenses related to property, mortgage, charge

creation and redemption

102060565

Late / Non-Payment Penalties (including FED/PST) 102061032 TAI

Pre Payment (Partial or Full Adjustment)

102061007

Yes

Asset Insurance Cost 407130625 No

Income Estimation Charges N/A No

NON FARM FINANCING

Processing Fee/ Renewal/ Enhancement Fee-Non Refundable

(includes Provincial Sales Tax/FED)

The Bank shall not charge separately for ECIB, NADRA Verisys and cost

of charge Documents i.e. Government Duties/Fee/Revenue Stamps.

102066019

TAI

Valuation, Legal Charges, foreclosure charges. All stamp duties, CVT,

and expenses related to property, mortgage, charge creation and

redemption

102066019 No

Late / Non-Payment Penalties (includes Provincial Sales Tax/FED) 102061157 Yes

Income Estimation Charges N/A No

Insurance 407131386 No

At Actual

Re. 1/1000 per day of monthly rental from due date till actual

The lessee shall be responsible to arrange fitness and route permit

certificate and pay all related charges.

5% on the outstanding principle amount net of LKM

3% of amount adjusted against principal amount

Re. 1/- per thousand per day of each rental for overdue days

At Actual

Repossession charges will be recovered on actual basis

3 % of Principal Payment

Rs.1,000/- per day per tractor or actual , whichever is lower

At Actual

Upto Rs.100,000/- as repossession charges or actual, whichever is

lower

Rs.1,000/- per day per vehicle or at actual , whichever is lower

At Actual, to be paid by lessee

Financing Limit upto Rs.5 M = Rs. 5,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000

Financing Limit above Rs. 10 M = Rs.20,000

For women:

Financing Limit upto Rs.5 M = Rs. 3,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 5,000

Financing Limit above Rs. 10 M = Rs.10,000

Actual, to be paid by lessee

Rs. 5,000 per vehicle

For Women: Rs. 3,000 per vehicle

At Actual

Re. 1/- per thousand per day of installment amount from due date till

actual payment

3% of Principal Amount

At Actual

Re. 1/- per thousand per day of each due amount for overdue days

from due date till recovery date

At Actual

Financing Limit upto Rs.5 M = Rs. 5,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000

Financing Limit above Rs. 10 M = Rs.20,000

For Women:

Financing Limit upto Rs.5 M = Rs. 3,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 5,000

Financing Limit above Rs. 10 M = Rs.10,000

Financing Limit upto Rs.5 M = Rs. 5,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000

Financing Limit above Rs. 10 M = Rs.20,000

For Women:

Financing Limit upto Rs.5 M = Rs. 3,000

Financing Limit above Rs.5 M upto Rs.10 M = Rs. 5,000

Financing Limit above Rs. 10 M = Rs.10,000

At Actual

Re. 1/- per thousand per day of installment amount from due date till

actual payment (first 30 days grace period can be given by Head ACD)

At Actual

19/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

MARKUP SUBSIDY & RISK SHARING SCHEME FOR FARM

MECHANIZATION (MSRSSFM)

Processing Fee (includes FED)

Inclusive of documentation Charges, revenue stamp, Govt. duties &

fee, ECIB & Nadra Verisys charges etc.

FMC1: 102066019

FMC2 :102066020

TAI

Evaluation/ Legal Charges

FMC1: 407131384

FMC2 : 407131385

Registration/ Transfer Charges

FMC1: 407131390

FMC2 : 407131391

Income estimation charges

FMC1: 102061161

FMC2 : 102061162

Repossession Charges

FMC1: 407131392

FMC2 : 407131393

Warehouse Charges for repossessed tractor/machinery

FMC1: 407131394

FMC2 : 407131395

Insurance & Tracker (where applicable) Cost

FMC1: 407131386

FMC2 : 407131387

Early Termination/Partial adjustments/ Balloon

FMC1: 407131396

FMC2 : 407131397

Late payment charges

FMC1: 102061157

FMC2 : 102061158

Yes

R3 CONSUMER / SME FINANCING

1 SONEY PE SUHAGA (Financing Against Gold/Gold Ornaments)

Processing Charges

102060501

yes

Valuation charges by Gold smith N/A No

Documentation charges N/A No

Insurance charges N/A No

Early Settlement Charges (in case of Term / Demand Finance) N/A No

Facility Renewal Processing charges 102060501 Yes

ECIB Charges

407130603

Late Payment Charges 101011808 Yes

2 PERSONAL LOANS

Processing Fee including upfront FED/PST for Fresh Facility (Non

Refundable)

The Bank shall not charge separately for ECIB, NADRA Verisys and

Cost of Charge Documents i.e. Government Duties/Fee/Revenue

Stamps

102060512

TAI

Renewal Charges (for Quick Cash)/ Emergency Limit approval

including FED /PST

The Bank shall not charge separately for ECIB, NADRA Verisys and

Cost of Charge Documents i.e. Government Duties/Fee/Revenue

Stamps

102060512

TAI

Pre-Mature Termination Charges

102061020

Yes

Late / Non-Payment Penalty

102061017

Yes

Verification Charges Upfront 102060517 No

Income Estimation Charges (If any) N/A No

Balloon / partial payment

102061020

Yes

Legal Charges if any 407131299 No

Service Charge on emergency limit including FED/PST 102060512 TAI

3 SMART ADVANCE CASH

Processing fee inclusive of NADRA charges, ECIB/ Data check charges

etc. (Non refundable)

The Bank will not charge separately for ECIB, NADRA Verisys and Cost

of Charge Documents i.e. Government Duties/Fee/Revenue Stamps

102060524 TAI

Late Payment Charges 102060524 Yes

Financing Limit upto Rs.5 M = Rs. 5,000

Financing Limit above Rs.5 M upto Rs.15 M = Rs. 15,000

Financing Limit above Rs. 15 M = Rs.20,000

At Actual

At Actual (To be recovered upfront)

At Actual

Repossession charges will be recovered on actual basis

Rs.1,000/- per day per tractor/machinery or actual, whichever is

higher.

Actual, to be paid by lessee

Free

Re.1/- per thousand per day of each principal installment for overdue

days

0.50% of loan amount or minimum Rs. 2,500/- (whichever is higher).

Maximum Rs. 15,000/-

Actual as per Shroff

At Actual

Allowed without penalty

At Actual, Offset against processing fee

At Actuals, to be borne by the customer

Salaried Individuals – Free

SEB/ SEP – PKR. 10,000/- or 1% of partial payment amount, whichever

is higher.

At Actual

3% of every draw down / loan amount

3% of Amount Availed OR Rs. 100/- whichever is higher

3% of Loan Availed on Monthly Basis

Rs. 1,500/-

(May be waived by the Business Head)

Rs. 60/- per eCIB report

@ 2 % p.a. in addition to the mark-up rate

The below are standard charges which may be customized/increased/decreased based on individual approval of a loan or terms of MOU/arrangement agreed with particular

organization on case to case basis.

Salaried Individuals = PKR. 2,500/-

SEB/ SEP = PKR. 5,000/

SEB/ SEP (Women): = Rs. 4,000/-

Rs. 2,000/-

Salaried Individuals: Free

SEB/SEP: 5% of outstanding principal

Re.1/- per thousand per day per installment, for overdue days

20/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

4 CONSUMER AUTO LEASE (CarGar)

Processing fee (Non Refundable) inclusing FED / PST.

The Bank will not charge separately for ECIB, NADRA Verisys and Cost

of Charge Documents i.e. Government Duties/Fee/Revenue Stamps

102060513

TAI

Income Estimation Charges N/A No

Registration charges 407131299 No

Repossession charges 407131299 No

Early Termination / Pre Payment charges

102061022

Yes

Late / Non-Payment Penalty

102061013

Yes

Balloon Payment 102061022 Yes

Vehicle Insurance & Tracker Cost 407131285 No

Survey charges for repossessed vehicle N/A No

Warehouse charges for repossessed vehicle 407131299 No

Evaluation charges of pre owned / used vehicles N/A No

Legal Charges 407131299 No

5 BOP HUMRAHI

Processing Fee (Non Refundable) Including FED/PST

The Bank shall not charge separately for ECIB, NADRA Verisys and cost

of charge Documents i.e. Government Duties/Fee/Revenue Stamps

102060511 TAI

Income Estimation Charges N/A No

Registration charges 403011622 Yes

Repossession charges 403011622 No

Prepayment Penalty

N/A No

Late / Non Payment Penalties 102061016 Yes

Vehicle Insurance 407131286 No

Survey charges for repossessed vehicle N/A No

Warehouse charges for repossessed vehicle 403011622 No

Legal Charges 403011622 No

SESEUY 1.0 (Self -Employment Scheme for Unemployed Educated

Youth)

Repossession charges 407131299 No

Penalty on Repossession of Vehicles (including FED/PST)

102061055

TAI

Pre Payment Penalty

102061010

Yes

Late / Non-Payment Penalty

Bolan

Mehran

102061009

Yes

Vehicle Insurance & Tracker Cost 407131290 No

Survey charges for repossessed vehicle 407131299 No

Warehouse charges for repossessed vehicle 407131299 No

Legal Charges 407131299 No

7 APNA ROZGAR SCHEME

Repossession charges 403011622 No

Penalty on Repossession of Vehicles (Including FED/PST) 102061055 TAI

Pre Payment Penalty 102061054 Yes

Late/Non-Payment Penalty 102061045 Yes

Vehicle Insurance & Tracker Cost 403011609 No

Survey charges for repossessed vehicle N/A No

Warehouse charges for repossessed vehicle 102061055 No

Legal Charges 403011622 No

At Actual (Max. Rs. 500/- per day)

At Actual

Rs. 5,000/- per case

At Actual

Rs. 3,800/-

At Actual upto maximum of Rs.25,000/-, whichever is lower

There is no prepayment penalty

For Men: Rs. 6,000/- per case

For Women: Rs. 4,000/- per case

For Men & Women: Rs. 1,500/- for Motorcycles

At Actual

At Actual upto maximum of Rs.100,000/-, whichever is lower

5% of Principal outstanding against lease/loan account.

(However, if the customer repays in order to obtain finance for new

vehicle pre-payment charges can be waived or reduced upon jont

approval of GH CBG and Head RFD.)

Re. 1/- per thousand per day of installment amount from due date till

actual payment

5% of Principal adjusted against lease/loan account.

At Actual - as charged by Insurance Company

At Actual

Rs. 10/- per day from due date till actual payment date

Rs. 5,800/- (at actual)

At Actual

At Actual (Max. Rs.100/- per day)

At Actual

At actual upto a maximum of Rs. 100,000/- whichever is lower

Rs. 10,000/-

5% on Principal Outstanding

Rs.35 per day per rental from due date till actual payment

Rs.25 per day per rental from due date till actual payment

Actual – charged by insurance company

Actual

Actual (Max. Rs.500/- per day)

Actual

At actual upto maximum of Rs. 100,000/- whichever is lower

Rs. 10,000/-

5% on Principal outstanding

Re. 1/- per thousand per day of installment amount from due date till

actual payment

Actual - charged by insurance company

Actual

Actual (Max. Rs.500/- per day)

Actual

Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.

21/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

8 FLEET FINANCING

Processing Fee (non-refundable) including FED/PST/ Documentation

Charges inclusive of revenue stamp, Govt. duties/ fee, ECIB charges,

NADRA Verisys etc.

102060503

TAI

Evaluation/ Registration/ Legal Charges 407131294 No

Repossession Charges 407131299 No

Warehouse Charges for repossessed vehicles 102061051 No

Insurance & Tracker Cost 407131299 No

* Early Termination

102061025

Yes

Late Payment Penalty

102061019

Yes

Balloon Payment Penalty

102061022

Yes

* Charges negotiable on case to case basis

9 HOUSE LOANS

Processing Fee (Non Refundable) Including FED/PST

The Bank shall not charge separately for ECIB, NADRA Verisys and

Cost of Charge Documents i.e. Government Duties/Fee/Revenue

Stamps.

102060509

TAI

Loan Enhancement Fee including FED/PST

102060509

TAI

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and expenses related to property transfer, mortgage and

redemption

N/A No

Late / Non-Payment charges (including FED/PST)

102061015

TAI

Life & Property Insurance Cost

407131264/40

Pre Payment (Partial or Full Adjustment)

102061023

Yes

Income Estimation Charges N/A No

10 ASHIANA HOUSING FINANCE

Processing Fee (Non Refundable) Including FED/PST

The Bank shall not charge separately for ECIB, NADRA Verisys and cost

of charge Documents i.e. Government Duties/Fee/Revenue Stamps.

102060514

TAI

Verification Fee upfront (Non Refundable) 102061050 Yes

Valuation, Legal Charges, foreclosure charges. All stamp duties, CVT,

and expenses related to property, mortgage and redemption

N/A No

Late Payment Penalties 102061046 Yes

Prepayment / Partial Payment Penalty 102061024 No

Life & Property Insurance Cost

407131288/40

7131292

Income Estimation Charges N/A No

11 BOP SHAMSI TAWANAI

Processing Charges

102060544

(Agri Lease)

102060545

(Consumer Lease)

Yes

12 Mera Pakistan Mera Ghar (Low Cost Housing)

Processing Fee/Charges (Non-refundable) 102060563 Yes

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and any expenses related to property transfer, mortgage

and redemption etc.

102060563 No

External agency charges

N/A No

Early Payment (Unit Purchase Option) 102061023 N0

Pre-Payment Charges (Partial or Full Adjustment) 102061023 No

Late / Non-Payment Charges (including FED) 102061102 TAI

Life** & Property Insurance Cost

**Life Assurance is optional.

407131214/40

7131215

Income Estimation Charges

N/A No

Rs. 5,000/- per Vehicle

At Actual, to be borne by customer

upto Rs.100,000/- as repossession charges or actual, whichever is

lower

Actual (Max. Rs.1,000/- per day) to be borne by customer

At Actual, to be paid by lessee

3% on the outstanding principal amount net off LKM

Re. 1/1000 per day of monthly principal portion of rental from due

date till actual payment

3% of amount adjusted against principal amount

Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.

Rs. 4,000/-

Rs. 1,000/- (No charges shall be recovered where verification report is

being provided by DCOs)

At Actual

Re. 1/- per thousand per day of installment amount from due date till

actual payment

No Prepayment / Partial Payment Penalty

At Actual

Salaried individual/Self-employed professional (SI/SEP) Rs.8000/-

Others Rs.10,000/-

Rs. 5,000

At Actual

Re. 1/- per thousand per day of instalment amount from due date till

actual payment

At Actual

3% of Principal Amount

At Actual

Processing charges Rs. 5,000/- per application or 0.1% of the loan

amount, whichever is higher. Processing charges would be subject to

levy of sales tax at the rate applicable in the province where services

are being consumed.

For Women: Rs. 2,500/- per application or 0.05% of the loan amount,

whichever is higher.

For all categories: Rs.5,000/- plus FED/PST

At Actual-borne by applicant

Charged at actual

No restrictions on early payment/unit purchase.

Free as per SBP

Re. 1/- per thousand per day of installment amount from due date till

actual payment

At Actual-Borne by applicant

22/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

SME Financing

13 BOP Fori Sahulat

a) Application Processing Fee

(Non-refundable, payable up-front)

b) Annual Renewal Fee

(Non-refundable, payable up-front)

102060501 Yes

14 BOP Apni Dokan

Documents charges 102060527 No

Legal charges 407130818 No

Valuation charges 102060530 No

Late payment Charges 102060527 Yes

Processing Fee (up-front with LAF) 102060527 Yes

15 BOP Kamyab Karobar

a) Application Processing Fee

(Non-refundable, payable up-front)

b) Annual Renewal Fee

(Non-refundable, payable up-front)

c) Interim Facility Enhancement

102060501 Yes

Property Evaluation Fee N/A No

Legal Fee N/A No

Credit/Market Check & Income

Estimation Fee

N/A No

Property Insurance Premium Rate N/A No

16 BOP Supply Chain Finance

a) Processing Fee (up-front with LAF)

b) Annual Renewal Fee

102060501 Yes

17 BOP E-Business Qarza

Processing Fee including FED

(At the time of disbursement of loan)

102066002

TAI

Late Payment Charges (LPC) 102061128 TAI

18 Electronic Warehouse Receipt Finance

Processing Fee/Renewal Fee (Non-Refundable) Including FED 102060538 TAI

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT and expenses related to Collateral, charge creation /

removal and redemption etc.

407130724 No

Late/Non Payment charges (including FED) 102061087 TAI

Income Estimation Charges 407130723 No

Any other charges 407130723 No

a) 0.10% of the facility amount, min. PKR 5,000/-

For women borrowers: 0.05% of the facility amount, min. PKR 2,500/-

OR As negotiated with the customer on case to case basis, min PKR

5,000/- For women Min Rs. 2500/-

b) 0.05% of the facility amount, min. PKR 2,500/-

For women borrowers: 0.025% of the facility amount, min. PKR

1,250/-

OR As negotiated with the customer on case to case basis, min

PKR 2,500/- For women Min Rs. 1,250/-

c) 0.05% of the amount of excess requested over approved limits,

min. PKR 2,500/-

For women borrowers: 0.025% of the amount of excess requested

over approved limits, min. PKR 1,250/-

At Actual

a) 0.10% of the facility amount, min. PKR 5,000/-

For women: 0.05% of the facility amount, min. PKR 2,500/- OR

As negotiated with the customer on case to case basis, min PKR

5,000/- For women Min Rs. 2500/-

b) 0.05% of the facility amount, min. PKR 2,500/-

For women: 0.025% of the facility amount, min. PKR 1,250/- OR

As negotiated with the customer on case to case basis, min PKR

2,500/- For women Min Rs. 1,250/-

Actual cost of revenue and special adhesive stamps

Actual and approved charges of lawyers on the bank’s approved

panel

Actual and approved charge of valuators on the bank’s approved

panel

Late payment charges shall be calculated on the principal amount of

the installment due at existing mark-up rate from 6

day of the

month.

Rs. 10,000/- or 0.1% of the loan amount, whichever is higher.

For women borrowers: Minimum of Rs. 5,000/- or 0.05% of the loan

amount, whichever is higher.

Financing Limit up to Rs.10 M = Rs.5,000

Financing Limit up to Rs.20 M = Rs.10,000

Financing Limit up to Rs.30 M = Rs.20,000

Financing Limit Above Rs.30M= 0.10% of the finance amount.

-> Reduction up to 50% to be approved by Head ACD/SMED.

-> Reduction of more than 50% to be approved by GH-CBG.

At Actual

Re.1/- per thousand per day of installment amount from due date till

actual payment

(First 30 days grace period can be given by BU Head)

At Actual

a) Rs.2,000

b) Rs.1,000

Rs. 8,000 including FED

The bank shall not charge separately for e-CIB, / Data Check and E-

Stamp paper / Stamp Duty payment

Rs. 2,000 (including FED) per late payment of monthly markup

amount

23/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

R4 GOVERNMENT INITIATIVES

1 Prime Minister Youth Business & Agriculture Loan Scheme

Processing Fee

(At the time of Disbursement of Loan. Non-refundable inclusive of

NADRA online CNIC verification fees.)

Unsecured:

102060526

Vehicle:

102060527

SME:

102060528

Yes

Registration/Income Estimation/Valuation/Legal/Documentation

Charges inclusive of Revenue Stamp, Government

Duties/Fee/ECIB/Nadra Verisys etc.

N/A No

Physical Verification N/A No

Late Payment Charges (LPCs)

Payment is due on 1st of every month, Grace

period of 5 days apply.

LPCs shall be applicable from 6th of each month.

If 5th of any month is a holiday then grace period shall up till the next

working day.

Unsecured:

102061069

Vehicle:

102061070

SME:

102061071

Yes

Partial/Balloon/Early Settlement N/A No

Insurance including Tracker (if applicable) N/A No

Repossession Charges

(For Logistics only)

N/A No

Warehouse Charges for repossessed vehicles

(For Logistics only)

N/A No

Fitness Certificate & Route Permit Certificate, wherever applicable

(For Logistics only)

N/A No

2 Punjab Rozgar Scheme

Registration/ Valuation/Legal / Documentation Charges inclusive of

revenue stamp, Govt. Duties / Fee etc.

407130716 No

Repossession Charges

(Logistics only)

N/A Yes

Warehouse Charges for repossessed vehicles

(Logistics only)

608130697 Yes

Fitness Certificate & Route Permit Certificate, wherever applicable

(For Logistics only)

N/A No

Insurance (if applicable)

Insurance animals (in case livestock/dairy)

407130866 No

Partial/Balloon/Early Settlement

605010415

605010416

605010506

605010633

605010634

Late Payment Charges (LPCs)

Payment is due on 1st of every month, Grace period of 5 days apply.

LPC shall be applicable from 6th of each month. If 5th is a holiday,

then grace period shall be up to the next working day.

LPC shall be charged from applicant at the time of maturity

102061082

102061085

102061086

102061083

102061084

Yes

At Actual

To be borne by the applicant.

Up to Rs.150,000/- as repossession charges or actual (whichever is

lower)

To be borne by the applicant.

Rs.500/- per day per vehicle or at actual, whichever is lower

The applicant shall be responsible to arrange fitness & route permit

certificate & pay all related charges.

For clean loans: Life Assurance - Borne by bank

For SE + Logistics (including Tracker): At actual, to be paid by

applicant

For animals: At actual, to be paid by borrower

Free

Re. 1/- per 1000 per day on the principal amount to be calculated

from monthly installment due date till actual payment

Rs.100/- plus FED

At Actual

Rs.1,500/- per case to be borne by cutomer

PKR 1 per 1000 per day on the principal amount due as monthly

installment from due date till actual payment date

Free

For all Logistic cases & T3 (SME): At actual, to be paid by applicant.

T3 (ACD Cases): Dairy & Fattening animals only, At actual, to be paid

by applicant

To be borne by the applicant.

Up to Rs.150,000/- as repossession charges or actual (whichever is

lower)

To be borne by the applicant.

Rs.500/- per day per vehicle or at actual, whichever is lower

The applicant shall be responsible to arrange fitness & route permit

certificate & pay all related charges.

24/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

3 BOP SME Asaan Finance (SAAF)

Processing Fee Non Refundable 102060573 Yes

Registration/ Valuation/Legal / Documentation Charges inclusive of

revenue stamp, Govt. Duties / Fee etc.

407131252 No

Repossession Charges (Commercial Vehicle Only) 407131252 Yes

Warehouse Charges for repossessed vehicles (Commercial Vehicle

Only)

407131252 Yes

Insurance & Tracker Cost (Fixed Assets & Commercial Vehicles) (if

applicable)

Tracker (In case of Logistic)

407131245 No

* Early Termination Partial/ Balloon /Early settlement 102061110 Yes

Late Payment Penalty (LPC)

LPC shall be charged from applicant at the time of maturity

102061109 Yes

* Charges negotiable on case to case basis

S-

BOP ROSHAN DIGITAL ACCOUNT (RDA)

(Normal & Low Income Segment)

Foreign Currency Value Account

(FCVA)

Non-Resident Rupee Value

Account (NRVA)

1 Account maintenance Free Free

2 Cash Withdrawal

2.1 Intercity Free Free

2.2 Intra-city(Within) Free Free

2.3 BOP ATM N/A Free

2.4 Other ATM N/A Free

2.5 International cash withdrawal via Debit card N/A Free

3 SMS alert Free Free

Debit Card

(Platinum Card for normal RDA, Classic Card for Low Income Segment RDA)

4.1 Issuance N/A Free

4.2 Annual N/A Free

4.3 Replacement N/A Free

4.4 Supplementary-Issuance/Annual/Replacement N/A Free

4.5 Balance inquiry at other ATM N/A Free

4.6 International Balance inquiry N/A Free

4.7 Shopping at POS N/A Free

5 Courier-Delivery Charges Free Free

6 Cheque Book

6.1

Issuance

1st Free, subsequent PLS: Rs 18

per Leaf

Subsequent CD: Rs 12 per leaf

For TIB:1st Free, subsequent Rs 18

per Leaf for All Accounts

1st Free, subsequent PLS: Rs 18

per Leaf

Subsequent CD: Rs 12 per leaf

For TIB:1st Free, subsequent Rs 18

per Leaf for All Accounts

6.3 Stop payment Free Free

7 Remittance (Local)(UC)

7.1 Issuance

Free

7.2 Cancellation

Free

7.3 Duplicate issuance

Free

8 Outward Remittance (OFDD)

8.1 Issuance Free Free

8.2 Duplicate issuance

Free. However Foreign Bank's

charges also apply.

Free. However Foreign Bank's

charges also apply.

8.3 Cancellation

Free. However Foreign Bank's

charges also apply.

Free. However Foreign Bank's

charges also apply.

Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.

For business loans other than logistics: Rs. 5,000 or 1% of loan

amount (whichever is higher) Or As negotiated with the customer on

case to case basis

For Logistics: Rs. 5,000/- per vehicle, non refundable.

At Actual

Rs. 10,000/- as fixed penalty and up to Rs. 100,000/- as repossession

charges or actual (whichever is lower)

Rs. 500/- per day per vehicle charges or Actual, whichever is lower.

Actual

For RFD (Vehicles):

For early settlement 3% on the outstanding Principal amount net of

LKM (Lease Key Money)

Balloon /Partial payment charges

3% of amount adjusted against principle amount

For SME Business Loans:

i. Nil in case of Short-Term Loans

ii. Surcharge @ 5% of outstanding principal amount in case of

balloon/ full payment during 1st year in case of Long-Term Loans. No

surcharge on partial/balloon payment of Long-Term Loans after

completion of 1 year from disbursement date.

Re 1 per 1000 per day on the overdue principal to be calculated from

monthly installment due date till actual payment.

25/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

9 Inward/Outward Remittance

9.1 OFTT

Free. However Correspondent

Bank Charges will apply

Free. However Correspondent

Bank Charges will apply

9.2 SWIFT charges Free Free

9.3 Inward Remittance

Free. However Correspondent

Bank Charges will apply

Free. However Correspondent

Bank Charges will apply

10 Account Statement (E-Statement) Free Free

11 Funds transfer

11.1 Through ADC N/A Free

11.2 Online (Within/Intercity)

Free

12 Mobile Banking Subscription/Annual Charges N/A Free

13 * Clearing

13.1 Normal/intercity Free Free

13.2 Same Day Free Free

* Outward Clearing is applicable only for collection of instruments in respect of disinvestment in real estate

14 Others

14.1 Account closure Free Free

14.2 Balance confirmation certificate Free Free

14.3 Tax deduction certificate Free Free

14.4 Utility bill payments N/A Free

14.5 Processing Naya Pakistan Applications Free Free

15 ROSHAN APNI CAR

15.1 -a)

Application Processing Fee

(Inclusive of documentation charges)

N/A

For Men: Rs. 6,000/- per case

For Women: Rs. 4,000/- per case

15.1 -b) Income Estimation Charges N/A At Actual

15.1 -c) Vehicle Insurance & Tracker Cost N/A

At Actual - as charged by

Insurance Company

15.1 -d) Evaluation charges of pre owned / used and imported vehicles N/A At Actual

15.1 -e) Registration Charges N/A At Actual

15.2 Early Termination / Pre Payment Penalty N/A

5% of Principal outstanding

against lease/loan account.

(However, if the customer repays

in order to obtain finance for new

vehicle no penalty shall be

charged)

15.3 Partial Payment N/A

5% of Principal adjusted against

lease/loan account.

15.4 Vehicle Appraisal (if applicable) N/A At Actual

15.5-a) Re-possession Charges N/A

At Actual upto maximum of

Rs.100,000/-, whichever is lower

15.5-b) Survey charges for repossessed vehicle N/A At Actual

15.5-c) Warehouse charges for repossessed vehicle N/A At Actual (Max. Rs. 500/- per day)

15.6 Legal charges N/A At Actual

15.7 Late Payment Charges N/A

Re. 1/- per thousand per day of

installment amount from due date

till actual payment

15.8 Balloon Payment N/A

5% of Principal adjusted against

lease/loan account.

16 ROSHAN APNA GHAR

16.1 Processing Fee - (Non Refundable) Including FED N/A

PKR 4,640/- (PKR 4,000/-

Processing Fee + PKR 640/- FED)

16.2 Loan Enhancement Fee including FED N/A PKR 5,000/-

16.1

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and any expenses related to Mortgage of property, Lien

Marking etc.

N/A At Actual

16.2 Late / Non-Payment Penalties (including FED) N/A

Re. 1/- per thousand per day of

installment amount from due

date till actual payment

16.3 Property Insurance N/A

Covering Finance amount

absolutely Free

16.4 Life Assurance N/A

Optional – Covering death (due to

any cause) & accidental/natural

disability

16.5 Partial Pre-Payments/Early Termination N/A

1% will be charged for 1st year

and after one year NO Charges

17 GENERAL HOUSING FINANCE

17.1 Processing Fee - (Non Refundable) Including FED N/A

SI / SEP = PKR 8,000/-

Others = PKR.10,000/-

17.2 Loan Enhancement Fee including FED N/A PKR 5,000

17.3

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and any expenses related to property transfer, mortgage

and redemption etc.

N/A At Actuals

17.4 Late / Non-Payment Charges (including FED) N/A

Re. 1/- per thousand per day of

installment amount from due date

till actual payment

17.5 Life & Property Insurance Cost N/A At Actuals

17.6 Pre-Payment (Partial or Full Adjustment) N/A 3% of Principal Amount

17.7 Income Estimation Charges N/A At Actual

26/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

18 LOW COST HOUSING

18.1 Processing Fee/ Charges (Non Refundable) N/A For all categories: Rs. 5,000/-

18.2 External agency charges N/A Charged at actual

18.3 Early payment (unit purchase option ) N/A

No restriction on early payment/

unit purchase

18.4 Pre-Payment Charges (partial or full adjustment) N/A Free

18.5

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and any expenses related to property transfer, mortgage

and redemption etc.

N/A At Actuals - borne by customer

18.6 Late / Non-Payment Charges (including FED) N/A

Re. 1/- per thousdand per day of

installment amount from due date

till actual payment

18.7

Life** & Property Insurance Cost

**Life Assurance is optional.

N/A At Actuals - borne by customer

18.8 Income Estimation Charges N/A At Actuals - borne by customer

19 ROSHAN APNI CAR (ISLAMIC)

19.1

Application Processing Fee

(Inclusive of documentation charges)

N/A Rs. 6,000/- + FED per case

19.2 Early Settlement Charges N/A as per payment schedule

19.3 Partial Payment N/A Not Applicable

19.4 Vehicle Appraisal (if applicable) N/A At Actual

19.5 Re-possession Charges N/A

At Actual upto maximum of

Rs.100,000/-, whichever is lower

19.6 Warehouse charges for repossessed vehicle N/A

At Actual or (Max. Rs. 500/- per

day)

19.7 Legal Notice Fee N/A At Actual

ROSHAN APNA GHAR - ISLAMIC

(Subsidized & Normal House Finance)

20.1 Processing Fee - (Non Refundable) Including FED N/A

PKR 4,640/- (PKR 4,000/-

Processing Fee + PKR 640/- FED)

20.2 Finance Enhancement Fee including FED N/A PKR 5,000/-

20.3

Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and any expenses related to Mortgage of property, Lien

Marking etc.

N/A At Actual

20.4 Property Takaful N/A

Covering Finance amount

absolutely Free

20.5 Life Takaful N/A

Optional – Covering death (due to

any cause) & accidental/natural

disability

20.6 Partial Pre-Payments/Early Termination N/A

In case of early termination for 1st

year 1% increase in buyout price

will made and after one year NO

Charges

T-

**FEATURES OF SPECIALIZED PRODUCT/DEPOSIT

SCHEMES (INCLUDING WAIVER/CONCESSIONS)

LOCAL CURRENCY PRODUCTS

Features

1 BOP Tijarat Account

On Maintaining monthly average PKR 25,000

IBFT

Cheque Book

Debit Card

Locker

Universal Cheque Issuance

CDR Issuance

OBC Collection

BOP Life Current Account

On Maintaining monthly average PKR 25,000

Debit Card

Universal Cheque Issuance

3 Salary Plus Account

Debit Card

Collection of Outstation Cheques

* Issuance free

* Renewal free on maintaining PKR 25,000 as monthly average

balance

* Rs. 1 ( only small & medium) on maintaining monthly average

balance of PKR 1,000,000 preceding issuance/renewal date

* Free

Note:For other charges please refer to our Schedule of Bank Charges

A. CURRENT ACCOUNTS

* Free

Free upto 3 Gross Salaries in a Month

* Waiver to be applied for 1st month due to unavailability of monthly average. Preceding Month's Average balance criteria to be applied for later months.

** Conditions as per 'General Notes' apply.

Issuance is free for Classic Debit Card. For other Debit cards, charges

will apply

*Renewal will be free subject to monthly average balance criteria

* Free

* Waiver to be applied for 1st month due to unavailability of monthly average. Preceding Month's Average balance criteria to be applied for later months.

Issuance Free for Classic Debit Card. For other Debit cards, charges

will apply

27/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

4 Youth Education Account

Debit Card

Univeral Cheque Issuance favouring educational institution

Account Maintaining Charges

5 Asaan Current and Asaan Digital Current Account

Debit Card (PayPak Classic)

Cheque Book

SMS Alerts

6 Asaan Remittance Current Account

Debit Card (PayPak Classic)

7 YES Business Account

SMS Alerts

Internet /Mobile Banking subscription

8 BOP Kissan Dost Current Account

On maintaining monthly average balance PKR 10,000

Debit Card

Cheque book

Universal Cheque

Agricultural (ACD) Financing

9 BOP @ Work PKR Current Account

Salary Disbursement Charges

Cheque Book

Debit Card Issuance

Debit Card Renewal

Cash withdrawals (Off us / Other Bank ATMs)

E-Statement

Mobile App

SMS Alert Charges (ATM)

Bank Statement

IBFT (interbank & within BOP) upto Rs.500,000/- through ATM &

mobile banking app

10 BOP KHAAS (Current Account)

"BOP KHAAS Customers": Customers who maintain a certain relationship for certain periods as defined by bank from time to time.

Issuance of KHAAS Platinum Card

Renewal of KHAAS Platinum Card

Supplementary KHAAS Platinum Debit Card

Issuance of Universal Cheque

Locker Annual Rent

SMS Alerts

IBFT (ATM and Mobile Banking)

Internet /Mobile Banking Subscription

Statement of Account (Annual/Half Yearly)

Issuance of all Currency Cheque books (Any Size)

Subject to fulfilling of pre-requisite of BOP Khaas Customer.

11 BOP Naaz Current Account

Lockers

Debit Card

Cheque book

SMS Alerts

Issuance & renewal free for PayPak (Classic) debit card. For other

Debit cards, charges will apply

Free

Exempted

Issuance/ replacement /renewal of Paypak at PKR 1,000/-

for other card variants charges will be applied as per standard rates

First 25 Leaf free

Free upto 2 UCs per month

Rate break/discount of 1.00% on all agricultural ( ACD) Financing

products

As per agreement / mandate with the client

No charges from Govt. or Semi Govt organizations

Free

Salary up to 40K - Paypak Free

Salary 40k -100K - Classic Debit Card Free

Salary - 100K - 300K - Gold Debit card free

Salary - above 300K - Platinium/ *KHAAS Platinium card free

*KHAAS Platinium card will be issued to priority marked customers

Note: PayPak debit card will be issued irrespective of salary range,

however, customers have option to choose other card type as per the

salary range

Free

PKR 70/- + tax per month

Issuance/ replacement /renewal of Paypak at PKR.1,000

(deductable on the receipt of 1st remittance in the account)

for other card variants charges will be applied as per standard rates

Free

Free issuance of Debit Card (PayPak Classic). For renewal, charges

apply as per SOBC

Free 1st 25 leaf cheque book

Free - BOP KHAAS Customers

50% Fee Waiver: BOP KHAAS Customers

Free - BOP KHAAS Customers

Free

Free 1st, 25 leaves Cheque Book

Free

Free - BOP KHAAS Customers

Locker Fee: Annual Rent - Free for 1st Year.

Free Issuance of 1st Naaz Debit Card

28/30

SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

12 BOP SACA Account

( Monthly average balance requirement - NIL)

Account Maintenance charges

Cash Transaction Intercity

Cash Transaction Intra-City

Own ATM Withdrawal

SMS Alerts

Debit Card Classic / Paypak (Issuance)

Debit Card Classic / Paypak (Renewal)

Cheque Book Issuance

Cheque book stop payment

UC Issuance (Through Account)

Fund Transfer (Digital)

Locker Rent (Small and Medium)

Issuance of duplicate statement of account

Issuance of duplicate UC

Cancellation of UC

Cheque Returned unpaid from Payees A/c Outward Clearing

Clean Bill for collection/ Intercity Outward clearing

Internet/ Mobile Banking Subscription and Renewal

Behtreen Munafa Account

Debit Card

Young Lions Saving Account

Cheque Book

Debit Card

Asaan Saving and Asaan Digital Saving Account

Debit Card (PayPak Classic)

4 BOP Kissan Dost Saving Account

On maintaining monthly average balance PKR 25,000

Cheque book

Universal Cheque

Agricultural (ACD) Financing

BOP @ Work PKR Saving Account

Salary Disbursement Charges

Debit Card Issuance

E-Statement

Mobile App

Bank Statement

6 BOP KHAAS ( Saving Account)

Issuance of KHAAS Platinum Card

Renewal of KHAAS Platinum Card

Supplementary KHAAS Platinum Debit Card

Issuance of Universal Cheque

Locker Annual Rent

SMS Alerts

IBFT (ATM and Mobile Banking)

Internet /Mobile Banking Subscription

Statement of Account (Annual/Half Yearly)

Issuance of all Currency Cheque books (Any Size)

Subject to fulfilling of pre-requisite of BOP Khaas Customer.

Free

Free (subject to maintenance of PKR 1 M Average balance in Last Month)

Free

Free classic / Paypak Card

for other card variants charges will be applied as per standard rates

Free classic / Paypak Card

for other card variants charges will be applied as per standard rates

Free

Issuance & Annual/renewal at PKR 1,000. For other Debit cards,

charges will apply

Free 1st 25 leaf cheque book

Free upto 2 UCs per month

Rate break/discount of 1.00% on all agricultural ( ACD) Financing

products

As per agreement / mandate with the client

No charges from Govt. or Semi Govt organizations

Salary up to 40K - Paypak Free

Salary 40k -100K - Classic Debit Card Free

Salary - 100K - 300K - Gold Debit card free

Salary - above 300K - Platinium/ *KHAAS Platinium card free

*KHAAS Platinium card will be issued to priority marked customers

Note: PayPak debit card will be issued irrespective of salary range,

however, customers have option to choose other card type as per the

salary range

Free

B. SAVING ACCOUNTS

Issuance free for Classic Debit Card. For other Debit cards, charges

will apply

Replacement/renewal charges will also be applied

First 25 Leaf free

Issuance free for PayPak (Classic) Debit Card. Annual/renewal charges

will apply.

For other Debit cards, charges will apply as mentioned in Cards

Section

Free - BOP KHAAS Customers

50% Fee Waiver: BOP KHAAS Customers

Free - BOP KHAAS Customers

Free

BOP KHAAS Customers are customers who maintain a certain reletionship as defined by bank from time to time.

Free - BOP KHAAS Customers

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SOBC Effective from 01.01.2024 to 30.06.2024

Sr. # BANKING SERVICE GL CODE

Applicability of

FED/PST

CHARGES

7 BOP Naaz Saving Account

SMS Alerts

FOREIGN CURRENCY PRODUCTS

1 FCY Supreme Current Account

On maintaining minimum balance of USD 10,000 or EURO 8,000 or GBP 7,000

Debit Card for PKR Account

Cheque Book

Locker (small & medium)

OBC Facility (in PKR CD Account)

Universal Cheque

CDR

2 FCY Supreme Saving Account

On maintaining minimum balance of USD 15,000 or EURO 12,000 or GBP 10,000

Debit Card for PKR Account

Cheque Book

Locker (small & medium)

OBC Facility (in PKR CD Account)

Universal Cheque

CDR

U- BOP STAFF

Banking Service Description ( applicable for staff salary A/c only)

Collection made on A/c

Locker rent

Cheque book issuance charges

Amount maintaining charges on CD A/c only where the average

balance is below Rs.10,000 during a month

ADC charges

Remittance facility (UC )

Foreign Remittances against Pak Rupees (OFTT/FDD/FMT)

Re.1 per cheque book

Free

Re.1/- per instrument.(irrespective of the amount)

Free plus out of pocket foreign bank charges (USD10 minimum)

Free

Charges for Staff

Re.1 per instrument

Only one small size locker is allowed , charges Re.1.16 (inclusive of

FED/PST).

For other sizes, full rent on commercial rates will be received.

Key Deposit is exempted for staff.

Free

Issuance & renewal free

1 free per month

Re 1 on maintaining above mentioned balance for six months.

Free

Issuance & renewal free

1 free per month

Re 1 on maintaining above mentioned balance for six months.

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