Half Yearly
Schedule of Bank Charges
Effective 01.07.2022 to 31.12.2022
Opearations Group, Head Office Lahore
1/25
Sr.#
A
B
C
D
E
F
G
H
I
J
K
L
M
N
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P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC BOP SHAMSI TAWANAI
AD
IMPORTS
BILLS
LOCAL CURRENCY (LCY)
FOREIGN CURRENCY (FCY)
REMITTANCES
CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs
ADVANCES
CONSUMER AUTO LEASE (CARGAR)
SMART ADVANCE CASH
PERSONAL LOANS
BANK CHARGES FOR GOVERNMENT BUSINESS
CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)
BOP HUMRAHI
APNA ROZGAR SCHEME
ASHIANA HOUSING FINANCE
HOUSE LOANS
FLEET FINANCING
SESEUY 1.0
MOBILE BANKING CHARGES
CHARGES FOR ATM/DEBIT MASTERCARD
MISCELLANEOUS CHARGES
GUARANTEES
LOCKERS
SALE AND PURCHASE OF SECURITIES / SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & SAFE DEPOSIT LOCKERS
STANDING INSTRUCTIONS FEE
SONEY PE SUHAGA
MERA PAKISTAN MERA GHAR (LOW COST HOUSING)
DESCRIPTION
TRADE
MISCELLANEOUS CHARGES
INLAND LETTER OF CREDIT
EXPORTS
CHARGES FOR BOP MASTER CREDIT CARD
2/25
AE
BOP FORI SAHULAT
AF
BOP APNI DOKAN
AG
BOP KAMYAB KAROBAR
AH
BOP SUPPLY CHAIN FINANCE
AI
AJ
PUNJAB ROZGAR SCHEME
AK
BOP SME Asaan Finance (SAAF)
AL
BOP ROSHAN DIGITAL ACCOUNT (RDA)
GENERAL NOTES
·
·
·
·
·
·
·
·
·
·
·
Facilities under specialized products/deposit Schemes shall be applicable.
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.
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
Service charges i.e. ATM/Debit Card renewal, SMS banking Service charges, Locker rent, account maintaining charges, etc. cannot be recovered from prohibited Accounts of
UNSC, OFAC (US) & 4the scheduled Persons/Entities (proscribed individuals/entities) freezed under advice of C&ICD.
All banking services are exempted from applicability of Provincial sales tax / FED in FATA/PATA and Gilgit-Baltistan.
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.
CONCESSIONAL CHARGES TO STAFF OF BOP
KAMYAB JAWAN YOUTH ENTREPRENEURSHIP SCHEME (KJ-YES)
Features of Specialized Product/Deposit Schemes (Including Waivers/Concessions)
Charges for Consumer Finance shall be as per policy and terms of the approved Scheme/PPM
Bank reserves the right to change markup rates.
The Charges for making UC and other related instruments for payment of fee dues in favor of educational institutions, HEC/Boards etc. shal not exceed 0.50% of fee/dues or
Rs.25/- per instrument, whichever is less.
No Service fees shall be charged from the student depositing the fee directly in the fee collection account of the educational institution
3/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
A
IMPORTS
I - LETTER OF CREDIT COMMISSION
1
102010204
Yes
2 a)
102010204
Yes
2 b)
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
b)
102010204(LC)
102010203(LG)
Yes
c)
102010203
Yes
6)
102061065
Yes
7)
102010204
Yes
102010204
Yes
8)
101010803
No
8)
101010803
No
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
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
0.50 % per quarter Flat till the date of maturity of acceptance & no
commission will be charged for the overdue acceptance period.
Commission @0.5% per quarter to be charged on reducing liability on
booked rate.
Min. Rs.5000/-
LC of any amount if against 100% Cash Margin or return free deposits
then Rs. 1,000/- only.
Commission @ 0.05% per qtr, min. Rs. 1000/-
a) 0.5% per QTR Subsequent QTR 0.45% per QTR
Min Rs. 3000/-
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.
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 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.5000/-
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. 5000/-
1% for 1
st
quarter and 0.30% for each subsequent quarter or part
thereof – Minimum Rs. 1000/-
a) SIGHT BILLS
1) If retired within 10 days from date of negotiation / remittance,
Ps.44/ Rs.1000 per day or as per approval
Rs.1000/- per amendment (flat) plus SWIFT / Courier charges (if any).
Rs.500/- per transaction plus commission as per item 01 to 02 +
SWIFT / Courier charges (if any) Min Rs. 1500/-
2) If retired after 10 and within 20 days from date of negotiation /
remittance,
Ps.50/Rs.1000 per day.
3) If retired after 20 days from date of negotiation / remittance,
Ps.65/Rs.1000/day.
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 @ Ps.70/Rs. 1000/day.
CHARGES
4/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
8-a)
Overdue FIM & FATR/FE 25 etc.
101010805 &
101010804 /
101010813
No
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)
102060402
Yes
No
13)
102060405
Yes
14)
102060402
Yes
15) LC / Contract Cancellation Charges
102061065
Yes
16) Correspondent bank Charges N/A Yes
17) Handling of discrepant import documents
102061065
102061065
Yes
18)
102010221 Yes
19)
102061065
Yes
20) Issuance of Freight Certificate for Imports on FOB Basis.
102061065
Yes
21)
102061065
Yes
22)
102061033 Yes
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 SOC are mandatory to be charged to the customer.
Further reduction in charges LCs/amendments and / or contract needs relevant Business Head's approval.
0.12% - Min Rs.1200/-
As per sanctioned advice otherwise Ps. 70/Rs. 1000 per day
Rs.1,400/- Per Collection + service charges @0.12% (Minimum
Rs.1,200/-) +
telephone/Swift
0.20% Min. Rs.1,500/- (Flat), uptill 1 year and later on the
commission will be recovered again @ 0.20 %.
Rs.1400/- per collection
US$ 65/- (Flat) from forwarding bank plus courier / SWIFT charges, if
any.
Flat Rs.1,000/- per application
Handling Charges 0.20% - Min. Rs.5,000/-
US$75/- flat (to be recovered from the presenting bank) this clause
must always be incorporated in the LC under the head “Other terms
and conditions”, OR
recover these charges from the Applicant's account instead of Foreign
Bank's proceeds.
At actual + SWIFT/Courier charges (if any) or as negotiated by FID
Rs.1500 + SWIFT/Courier charges (if any)
Rs.2400/- per EIF
Rs.6,000/- Per SBP case
Rs.1000/- Per certificate
Rs.2000/- per collection
5/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
B- EXPORTS
Letters of Credit
a) Advising
102010207
Yes
No
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
102061065
Yes
2
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
102060405
Yes
6 Handling of Duty Draw Back Claim/DL/TL
102060405
Yes
7
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)
101010811
No
iv) Over due FDBP/IDBP (If not available in sanction advice)
101011004
No
5
1
Rs.1,920/- Per LC
Confirmation charges for both Foreign and Local banks to be
negotiated and approved by FID
0.30% flat Minimum Rs. 100/- OR
subject to negotiation and approval from competent authority
Rs. 1000/-(Flat) + Courier (if applicable)
Rs. 1800/- + Courier (if applicable) for Non-Customers
i) If payable by beneficiary Rs.2,400/- (Flat)
+ applicable courier / swift
charges.
ii) If payable by applicant US $50/-
0.20 % Min Rs.450/- per collection or as per approval by respective
business head
Rs. 300/- per collection + Courier charges
Rs.2000/- per case
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.500/-
Rs.1000/-
0.40% per claim minimum Rs. 600/-
Note: Any charges for delayed repatriation of export proceeds levied by State Bank of Pakistan, will be recovered from the concerned client accordingly.
0.20 % Min Rs. 1,500/- per collection
Mark-up @ Ps. 55/1000 per day OR as per approved CA Package.
For LCY Financing:
Markup @ Ps. 55/1000 per day 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.
Rs.2,000/- Flat per case
Rs.1,800/- Flat per case
6/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
C- INLAND LETTER OF CREDIT
1 Inland handling charges
102060405
Yes
2 Forced PAD Inland Bills
101010803
No
Yes
No
No
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
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
No
ii) If retired after 3 days but within 20 days of lodgment
101010803
No
iii) If retired after 20 days of lodgment
101010803
No
Usance Bills
1) Negotiating End
101011004
Yes
101011004
No
2) Opening End
a) At the time of Acceptance of the Bills.
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- MISCELLANEOUS CHARGES (To be recovered where applicable)
1 Foreign Postage
102060901
No
2 Foreign Courier
102060902
No
3 Foreign Cable / SWIFT
102060904
No
7
Rs. 1000 (flat) for advising and amendment. Confirmation charges
shall be negotiated by FID separately on case to case basis.
0.10 % (Minimum Rs.500/-).For each bill lodged.
Rs.1000/- per transaction flat plus commission as above, if
amendment involves increase in amount or extension in period
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. 1000/- only.
Ps. 44 per Rs.1000/- per day for first 10 days.
For next 10 days commission @ 0.30% +
Ps. 50 per Rs.1000/- per day & after 20 days Ps. 55 per Rs.1000/- per
day will be applied till full & final adjustment.
Rs.1000/- flat
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 PKR 500/-
Courier charges Rs.150/- in either case.
Rs.600/- (Flat) Per Bill + Courier Charges Rs.150/-
Ps. 54/1,000 per day or as per approval
Ps. 70/1,000 per day or as per approval
Ps. 56/1,000 per day or as per approval
Charges are negoiable as per aproval or 0.50% flat - Min PKR 500/-
Courier charges Rs.150/- 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.500/- (Flat)
Rs.500/- (Flat)
Commission 0.25% Minimum Rs.750/-, Maximum Rs.5,000/- + courier
charges Rs.150/-
Message for LCs/SBLC/LG/Misc. Communications
Short message Rs. 1200/-
Full message Rs. 2400/-
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)
Rs. 300/- or actual which ever is higher
7/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
4 Foreign Fax / Telephone
102060903
No
a) Issuance of Proceeds Realization Certificate after one year.
102060405
Yes
b) Duplicate Proceeds Realization Certificate
102060405
102060402
Yes
b) Test/Signatures/Mail LCs verification charges
102061065
7 Obtaining credit report on foreign buyer/ supplier.
102061065
Yes
8
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
b. Documentary
102010201
c. Handling of export documents under foreign LC
102060402
d. FDBP
102060405
11 Commodity Exchange Arrangements
102010503
Yes
E- CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs
Cash Handling Charges
a) At the time of cash receipt into account.
102060401
b) At the time of withdrawal from account.
102060401
2
102060415
102010302
b. Outward collection drawn on BOP Branches
102010302
c. Inward Collection
102010302
d. Outward/inward collection items returned unpaid
102060801
No
4 Standing Instructions
102061043
Yes
5
102061004
Yes
1
10
3
Yes
Yes
Yes
5
6
9
Yes
Rs.1000/- (Flat) per Certificate.
Rs. 1000/- (Flat) per Certificate.
Rs. 750/- or actual which ever is higher
Ps. 04 per US$ or equivalent in other currencies. Minimum Rs.500/-
Rs.100/- per case
Rs.1000/-
As per agreement
Rs. 350/- plus foreign bank / credit reporting agency charges and
SWIFT / Courier charges (if any)
Rs.600/-
OD Buying Rate is to be applied plus Commission US$10/- Flat or
equivalent in other FC plus Postages/ SWIFT/ Courier charges
(i) Rs.2,400/- only (Clean) or
(ii) In case discrepant Rs.1,680/-
NIL
Relevant Bill Buying Rates, as circulated vide our daily exchange rate
bulletin, are to be applied plus postage/SWIFT/ Courier charges.
Note:
In case the proceeds of the bills are not realized within maturity/ due
date (i.e. max upto 21 days in case of sight bills or as allowed in CA or
in case of usance the due date calculated as per tenor of the bill).
0.30 % flat, Rs.350/- Minimum or as approval of Sanctioning
Authority.
Handling commission of 0.5 % flat on the amount of commodity
exchange arrangement.
b) No Charges on withdrawls upto USD 5000, GBP 3000 EURO 3000
For amount above these, 0.5% of the cash withdrawals / Remittance /
transfer from account, if not retained in the account for 7 days.
(Charges may be deducted in foreign currency or in equivalent PAK
Rupees at BOP Buying Rate)
a) NIL
US$ 1/- per month (or equivalent in other currencies) on monthly
basis. (Inclusive of FED/PST)
US$ 5 per collection or its equivalent in other currencies plus SWIFT/
Courier charges (if any)
Collection charges NIL
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)
US$ 5/- per transaction or equivalent in other currencies.
* US$ 5/- or equivalent in other foreign currencies.
8/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
6 Stop payment of cheques
102060910
Yes
* No Sales Tax in branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
Note:
F-
REMITTANCES
FOREIGN CURRENCY (FCY)
I- OUTWARD
1
OFTT:
102010113
FDD/FMT:
102010104
102060904
a) Issuance of duplicate FDD
102061033
b) Cancellation of FDD/FTT
102061033
II- FOREIGN REMITTANCES AGAINST PAK RUPEES
1
102010113
102010104
2
102010113
102010104
3
102010113
102010104
Yes
4
102010113
102010104
Yes
5
102010113
102010104
Yes
III- INWARD REMITTANCES
Home Remittances
102010106
102010106
2 If proceeds are to be paid in foreign currency to other local banks.
102010107
Yes
3
102010106
Yes
4
102010107
Yes
5
102010302
Yes
Yes
2
● Clarification issued by International Division vide their F.E. Information Circular # 146 dated 13.11.2002 must also be
referred.
● Any out of pocket expenses related to the bank transactions, not covered above, will also be charged to the clients.
● Charges may be collected in Pak Rupee or Foreign Currency in all categories.
1
Yes
US$ 10 per instruction or equivalent in other currencies (one
instruction may include advice for series/multiple instructions)
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 SOC
Rs.550/- plus SWIFT/Courier charges, (if any). Foreign Bank's charges
also apply.
Rs.550/- plus SWIFT/Courier charges, (if any)
Note: All charges may be recovered in Pak Rupees or equivalent in other foreign currencies.
Free plus out of pocket foreign bank charges (USD10 minimum)
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
Charges /Commission on Universal Cheque/Pay Order (if any) plus
Courier/Postage charges
US$ 25+ SWIFT/courier charges(if any)
a) If received from BOP branches ---- Nil charges
b) Others --- Rs.370/-plus Cable/Courier charges
Rs.550/- plus SWIFT/ Courier charges
Rs.550/- plus SWIFT/ Courier charges
NIL
9/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
REMITTANCES
LOCAL CURRENCY (LCY)
Universal Cheque
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
Yes
2 Call Deposits
i)
102010105
ii) Issuance of duplicate CDR
102010103
iii) Cancellation of CDR
c) Verification of Payment Instruments (UC, CDR etc) N/A
G- BILLS
I Collections
a) Documentary
102010301
Yes
b) OBC
102010301
Yes
No
c) Same day clearing through NIFT
102010309
Yes
d) Collection made on staff A/cs
102010301
Yes
e)
Intercity clearing through NIFT
102010304
Yes
f)
Bank Gurantee collection / Handling Charges
102060402
Yes
g)
Collection of instruments through on-line deposited with any Branch.
102010305
h)
Direct Cheque Deposit Facility 102060805 Yes
II Purchase of Bills, Cheques etc.
101011006
No
Yes
Yes
Yes
Yes
102010102
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.
Re. 1/- per instrument
i) Through A/c Rs. 325/- (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.)
1)
Rs.720/- (Flat) per UC
Rs.350/- (Flat) per UC
Negotiable
Rs.800/- (Flat) per UC
Rs.350/- (Flat) per UC
The Charges for making UC and other related instruments for payment of fee dues in favor of educational institutions, HEC/Boards etc. shall not exceed
0.50% of fee/dues or Rs.25/- per instrument, which ever is less.
Free
1. Rs. 300/- for account holder
2. Rs. 350/- for non account holder
Rs.130/- Flat
102010103
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
Rs.525/- per collection
0.25% Minimum Rs. 300/- Maximum Rs.5,000 +
Courier Charges Rs.75/- Flat.
0.40% Minimum Rs. 500/- + Postage/Courier Charges Rs.75/- Flat. If
BOP branch exists in collecting city, Rs. 1000/- Flat
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.
Rs.300/-
0.1% of the Guarantee amount with minimum of Rs. 1000/-
Nil
Note: For instruments sent in intercity/same day clearing,
intercity/same day clearing charges will be recovered.
10/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
III a) Instruments cleared/collected within Local Area of NIFT N/A
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
No
IV
102060802
Yes
V
102010214
No
H- ADVANCES
1
102060501
Yes
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
3 Charges of CIB report
407130603
4 MISC. CHARGES
a)
102061033
Yes
b) All Other NOCs
102061033
c)
102060501
Yes
d)
102060501
Yes
102060501
Yes
NIL
If total annual/annualized volume exceeds Rs.50(M) following slabs shall be applicable:
0.05% Min Rs.35/-
0.10% Min Rs.35/-
0.15% Min Rs.35/-
0.20% Min Rs.35/-
3. Telegram/Trunk call charges will be extra, if fate of the instrument is asked by Telephone/Fax
2. Collecting agent’s charges, if the collecting bank is other than the bank, will be extra.
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.
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.
Rs.500/- flat per bill
Rs.300/- flat per bill
Note: No Provincial Tax / FED for branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
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
Ps. 70/1000 per day or Markup as per approval of Sanctioning
Authority plus collection/courier charges
Charges 1-5 may be wavied/negotiated with the approval from the relvant approving authority/committee.
PROCESSING FEE FOR ALL TYPES OF CREDIT LINES ON FRESH, RENEWAL AND SUBSEQUENT ENHANCEMENT AND INTERIM REVIEWS (if involve any increase)
0.10% of EOL amount Min. Rs. 500/-
Min Rs.1,000 or As per approval
As per approval
As per approval
As per approval, minimum Rs. 30,000/-
As per approval, minimum Rs.10,000/-
As per approval, minimum Rs.5,000/-
As per approval, minimum Rs.1,000/-
As per approval, minimum Rs.20,000/-
Note:
1. Charges to be recovered after acceptance of offer letter and before issuance of DAC.
2. These charges may be waived/negotiated with approval from relevant committee/authority.
3. No charges on review of long term funded facilities and open end guarantees for interim purposes.
4. Processing Fee for interim review will only be charged on the enhanced account.
On case to case basis as per agreement with the party
Min upto Rs. 10,000/-
Rs.50/- per report/borrower
NIL
1) 0.10% of restructured amount, minimum Rs. 10,000/-
2) 0.10% of restructured amount, minimum Rs. 50,000/-
NIL Charges
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.
Note: Misc. charges may be waived /negotiated with approval from relevant committee/authority.
11/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
5
a) Godown Rent
102060103
No
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
1
102060501
Yes
Delivery Charges
102061033
No
Other Incidental Expenses
Insurance Premium, Legal Charges 102060404 No
Agri Financing
1
TRACTOR
102060501
Yes
N/A No
Registration/ Transfer Charges N/A No
Late Payment Charges 102061030 Yes
Income estimation charges N/A No
Repossession Charges N/A No
Early Termination/Partial adjustment
102061007
Yes
Warehouse Charges for repossessed tractors N/A No
Insurance & Tracker Cost N/A No
2
AGRI VEHICLE LEASE
102060501
Yes
N/A No
Evaluation/Registration/Legal Charges N/A No
Late Payment Penalties 102061030 Yes
Fitness Certificate and route permit certificate, wherever applicable
Early termination Charges
Balloon payment Penalty
Income estimation charges N/A No
Repossession Charges N/A No
Warehouse Charges for repossessed Agri Vehicles N/A No
Insurance & Tracker Cost N/A No
3
2
Actual
For Finance against pledge/ hypothecation the various charges may be levied as follows:-
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 should be recovered as inspection charges 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.
Rs.100/- per delivery order or as per Facility Offer Letter (FOL)
Actual
Actual/arranged and paid by the customer
Actual
NIL or as per approval
At Actual
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.
Re. 1/- per thousand per day of each rental for overdue days
(First 3 days grace period can be given by GH R&PSL)
At Actual (To be recovered upfront)
At Actual
Rs. 5,000 per tractor
For women: Rs. 3,000 per tractor
Rs.1,000/- per day per tractor or actual , whichever is lower
3 % of Principal Payment
Repossession charges will be recovered on actual basis
At Actual
Rs. 5,000 per vehicle
For Women: Rs. 3,000 per vehicle
Actual, to be paid by lessee
At Actual, to be paid by lessee
Rs.1,000/- per day per vehicle or at actual , whichever is lower
To be borne by the lessee Rs.10,000/- as fixed penalty and upto
Rs.100,000/- as repossession charges or actual, whichever is lower
At Actual
Re. 1/1000 per day of monthly rental from due date till actual
payment date
At Actual
At 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
0.3% of amount adjusted against principal amount
12/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
3
AGRI RUNNING FINANCE
102060501
N/A No
Late/ Non Payment Penalties (includes Provincial Sales Tax/FED) 102061032
Income Estimation Charges N/A No
Asset/ Crop Insurance N/A No
4
AGRI TERM LOANS
102060501
N/A No
Late / Non-Payment Penalties (including FED/PST) 102061032
Pre Payment (Partial or Full Adjustment)
102061007
Yes
Asset Insurance Cost N/A No
Income Estimation Charges N/A No
5
NON FARM FINANCING
102060501
N/A No
Late / Non-Payment Penalties (includes Provincial Sales Tax/FED) 102061030 Yes
Income Estimation Charges N/A No
Insurance N/A No
I - STANDING INSTRUCTIONS FEE
1)
102061068
2)
102061068
Yes
J -
1) Sale and Purchase of shares & securities
102060402
Yes
I)
102060402
II) Withdrawal fee on Govt. securities.
102060402
III) Charges for collection of interest/return/dividend.
102060402
IV)
102060402
V) Public Flotation of Shares
102060402
VI) Issue of Right Shares
102060402
VII) IPS Account Service Charges 102060405
Yes
SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS
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
At Actual
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
At Actual
3% of Principal Amount
Re. 1/- per thousand per day of installment amount from due date till
actual payment
At Actual
At Actual
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
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
At Actual
Negotiable
Rs. 255/- per transaction (inclusive of FED/PST)
Nil for Bancassurance Standing Instructions
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.
0.35% upto Rs. 10,000/- of purchase price or Cost thereof Min. Rs.
40/-
0.20% On amount exceeding Rs.10,000/- Min. Rs.75/-
Opening of IPS A/c NIL
Maintenance of IPS A/c NIL
Case to case basis
Case to case basis
Rs. 20/- per scrip
0.30% on the amount of interest/ return/ dividend collected/ paid.
Min. Rs. 20/-
Rs. 10/- per scrip
0.25% upto Rs. 10,000/- of the paid-up or face value. Min. Rs. 20/-
0.125% on amount exceeding Rs.10,000/-
13/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
VIII) Movement of Securities 102060405
2) Articles in Safe Custody
a)
102060402
b) Envelopes
K-
1 Size of Locker
Small
Medium
Large
Extra Large
Yes
Key Deposit (FED/PST Not Applicable) Small
Medium
Large
Extra Large
Breaking Charges
102061033
2 Locker rent for staff members 102060101
3
Yes
L- GUARANTEES
I) Bid Bond Guarantee
102010203
Performance Bond
102010203
Mobilization Advance
102010203
Collector of Customs
102010203
Financial Guarantee
102010203
Other Guarantee
102010203
Shipping Guarantee
102010205
II)
102010203
Yes
III) 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
V)
102010203
VI)
M- MISCELLANEOUS CHARGES
1 a) Reactivation of Dormant/Unclaimed Account within branch
102061033
Yes
1 b) Retrieval of unclaimed amount from SBP
102061033
Yes
2
102060411
Yes
102060101
No
Yes
IV)
Yes
Transfer in from Other Banks Rs.700/- per transaction,
(Rs.500 bank + Rs.200 - SBP charges)
Transfer to Other Banks Rs.500 per transaction
Collection of Coupon from SBP NIL
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
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
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
Rs.11310/-
Rs.8120/-
Rs.6960/-
Rs.5220/-
Annual Rent (Inclusive of FED/PST)
LOCKERS
Rent/Fee/Key Deposit, etc. for Safe Deposit Lockers (To be recovered in advance).
Remarks All terms & conditions in our circulars issued from time to time
Actual or Rs. 4000/- which ever is higher
(FED/PST on residual income)
Rs.11310/-
Rs.8120/-
Rs.6960/-
Rs.5220/-
Rate Negotiable
Only One Small size locker is allowed, charges Re. 1.16 (inclusive of
FED/PST), for other sizes, full rent on commecial rates will be
received.
Note: Key deposit to be taken from BTA account holders, availing lockers facility, regardless of maintaining Monthly Average Balance of Rs.1,000,000/- and
above
Rs 1,800/- (Flat) against 100 to 110% cash margin
0.50% Per Qtr. Min. Rs. 2400/-
0.75% Per Qtr. Min. Rs. 2400/-
0.50% Per Qtr. Min. Rs. 2400/-
0.50% Per Qtr. Min. Rs. 2400/-
* 0.50% Per Qtr. Min. Rs. 2400/-
* 0.50% Per Qtr. Min. Rs. 2400/-
*For back to back guarantees, to be decided by FID on case to case basis.
Rs.1000/- Flat
For Back to Back guarantee to be decided by FID on case to case
basis.
To be decided by FID on case to case basis.
To be negotiated by respective business and FID on case to case basis
Rs.1800/- Flat
To be decided by FID on case to case basis.
a) Rs.1000/- Flat
b) Commission rate as per I) above or Rs.10,000/- per quarter
whichever is low
PKR 5,000 Per Transaction
Rs.35/- per statement (inclusive of FED/PST)
Rs.200/- per instance
FREE (FOR RELATION STRENGTHENING)
Rs-3000/- Per guarantee text
NO Charges for FID Guarantees
14/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
3) a
102010111
No
Yes
3) b
102010111
No
Yes
3) c Reprocessing of Returned Funds
102061033
4 Issuance of SBP/NBP cheques
102061033
Yes
5
102061033
Yes
6 Stop payment of cheque
102060909
Yes
102060801
102060801
(ii) Cheques received in inward clearing and returned unpaid
102060801
Photo Copy of the Paid Cheque(s)
Upto one year
Above one year upto three years
Above three years
9 Issuance of Balance Confirmation Certificate
102061033
Yes
10
102061033
Yes
11 a) Issuance of Balance Confirmation Certificate to External Auditors
102061033
Yes
11 b)
102061033
No
12
102061033
Yes
13
102010507
Yes
14
102060403
Yes
15 NIFT charges for Non-MICR coded instrument
302012106
No
16 Handling Charges for marking of Lien on Govt. securities.
102060402
Yes
17 Marking of Lien on securities issued by the Bank for other Banks
102060402
Yes
18
102061004
102060403
Yes
19
102060410
Yes
Yes
8
7
Maximum PKR 50/- per payment instructions
(PKR 25/- SBP Charges +
PKR 25/- Bank charges)
Note: Currently charges are NIL. Will be reinstated as above
after notification from SBP.
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 NIL. Will be reinstated as above
after notification from SBP.
Rs.475/- 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.
Rs. 300/-
Nil for PKR
US $ 5 per Transactions
a) Up to 5 cheques Rs. 550/-
b) More than 5 cheques Rs. 1,100/-
Rs.120/- per annum
Rs.500/- per cheque
No charges if issued to Banks/DFIs & Corporate Customers
SBP charges
Note: No Provincial Tax / FED for branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
Free
Rs. 300/- per Certificate
Rs. 450/- per certificate
Rs. 300/- per Certificate
Rs. 1500/- per cheque
Rs. 750/- per cheque
Rs. 250 per cheque
102061033
PLS/Finance A/c Rs. 18/- per leaf
CD/BBA Rs. 12/- per leaf
(Staff members (Rs.1 per cheque book), 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)
Rs.150/- (Except Govt A/C, 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.)
No charges if account is transferred to another branch or different
type of account is opened at the same Branch.
Rs.300/- per certificate
i) Rs.50/- (inclusive of FED/PST) per month (except staff members,
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) All accounts falling under SBP BRD Circular # 30 dated 29-11-2005
are exempted. BBA, Assan Accounts and Asaan Remittance Accounts.
iv) However no charges shall be levied on dormant/ unclaimed
accounts.
v) Exempted for specific waiver for Government Schemes
Rs.325/- + Actual Cheque book issuance charges
Rs. 750/-
Rs 750/-
Rs.12.50/-
15/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
20 Breach of deposit/withdrawal limits in BBA
102060410
21 Collection of charges on behalf of the Govt. received through challan
102061033
Yes
22 Salary Handling charges
102060407
Yes
Yes
23 Cash withdrawal through Biometric Verification
102010514
Yes
24 Payment of Prize Money of National Prize Bonds (NPBs)
102061033
Yes
N-
102060713
Gold Debit Master Card
102060714
Platinum Debit Master Card
102060715
2 PayPak Debit Card
102060724
3 Lahore Qalandars Debit Card
4 BOP Naaz Debit Card
5 Arbitration Charges / False Chargeback (Local and International)
102061033
Document Retrieval Charges for POS Disputes 102061033
7 International Cash Withdrawal at MasterCard ATMs 102060706
8 Cash Withdrawal at BOP ATM
9 Cash Withdrawal at 1Link/Mnet Non-BOP ATM 407130610
10 Receipt on ATM Cash Withdrawal/Balance Inquiry 407130610
11 International Balance Inquiry at MasterCard ATMs 102060703 Yes
12 Balance Inquiry at Mnet/1 LINK Non-BOP ATMs
13 Mini Statement on BOP ATMs
14 Direct Shopping at POS 102060716 Yes
15 E-Commerce Transaction 102060716 Yes
* SMS Banking Service Charges 102061002 Yes
* CD Asaan Accounts 102061002 Yes
302012607 No
17 IBFT through ATM
102060708
18 ATM Biometric transaction
19 ADC Charges for staff N/A
20 International ATM Withdrawals through BOP ATMs
21 BOP Biometric Verification through ATM
O- MOBILE BANKING CHARGES
Mobile Banking Service Charges
102061059
Mobile Banking - IBFT
102061062
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)
Initial Registration fee Free
(including 1st year subscription)
Annual Subscription (subsequent renewal) Free
Customers handled under Cash management services (Approved by the Competent Authority) Negotiable
Yes
6
1
Issuance & Renewal/Replacement
PKR 1,800 per annum
Supplementary @ PKR 900 per annum
Issuance & Renewal/Replacement
PKR 1,200 per annum
Supplementary @ PKR 750 per annum
Issuance, Annual/Renewal/Replacement
PKR 3,200 per annum
Supplementary @ PKR 2,200 per annum
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.
Issuance/Renewal/Replacment
PKR 2000/- per annum
Supplementary @ PKR 1000 per annum
PKR 62/- + tax per month
PKR 89/- + tax per month
Free For BOP YES Business Account
Free for local purchases
4% of transaction amount for International Purchases
* SMS alerts for all international and domestic digital transactions (such as ATM, POS and Internet/Mobile banking transactions, etc.) are free of cost.
Free of charge
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)
Free for local transaction
4% of the Transaction Amount for International Purchases
NIL
Issuance/Renewal/Replacment
PKR 1,800/- per annum
Supplementary @ PKR 900 per annum
Rs. 650/- plus FED per transaction
PKR 15/- plus FED per transaction
Rs 10 + FED per session
PKR 3.13 per inquiry (Inclusive of FED/Provincial Sales Tax)
PKR 300 per inquiry
Rs. 2.50 per transaction
PKR 23.44 per Transaction (Inclusive of FED/Provincial Sales Tax)
Free
4% of the transaction amount
PKR equivalent to USD 10.00 per document for (International
Transaction)
16
Rs.50/- (inclusive of FED/PST) per month
Rs.20/- per challan form depositor
Free for depositors depositing challans of Local Govt. Institutions i.e.
Metropolitan/Municipal Corporations, Municipal Committees &
District Councils
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)
Rs.250/- per transaction
Negotiable
PKR 200 per document (Local Transaction)
USD 550 or equivalent per case
PKR 850 per annum for Issuance/Renewal/Replacment
Issuance & Renewal/Replacement
PKR 2,400 per annum
Supplementary @ PKR 2,000 per annum
16/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
P-
CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)
102060601
Customers handled under Cash management services
Online Collection of Govt Taxes & Duties (OTC & ADCs)
Q- CHARGES FOR BOP MASTER CREDIT CARD
1
Annual Fee (Basic)
2
Annual Fee (Supplementary)
3
APR (Annualized Percentage Rate)
4
Cash Advance Fee
5
Late payment fee
6
Over Limit Fee
7
Return Cheque
8
Card Upgrade Fee
9
Card Replacement Fee
10
Utility Bill Payment Fee
11
0% APR BT Processing Fee
Yes
BTF On Installment Plans – Flat Service Fees
BTF On Installment Plans APR
Retail Transactions Installment Plan – Flat Service Fees
Retail Transactions Installment Plan APR
PO/IBFT/Alliances Installment Plan – Flat Service Fees
PO/IBFT/Alliances Installment Plan APR
15
Voucher retrieval Fee
Yes
16
Flexible Installment Plan Processing Fee
Yes
17
Flexible Installment Plan pre-payment Charges
Yes
18
Foreign Transactions
Yes
19
MasterCard Arbitration Charges for disputed transactions
Yes
20
Credit Cover Shield Premium
Yes
21
SMS & E-Alert Charges
Yes
22
Litigation Charges
23
Universal Cheque Issuance Charges
Yes
24
Direct Debit Rejection Fee
Yes
25
Lounge Access
Yes
26
Yes
27
Other Credit Card Bill Payment via BOP Credit Card
Yes
R-
BANK CHARGES FOR GOVERNMENT BUSINESS
IMPORTS
Letter of credit
i) up to Rs. 1.000M
102010204
Yes
ii) Exceeding Rs. 1.000M
102010204
yes
2% of Transaction Amount
At Actual
Rs. 500/- per request
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. 1500/- per visit
3-months: 3.5%
6-months: 7.00%
12-months: 14.00%
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%
3-months: 31.23%
6-months: 35.15%
12-months: 36.74%
18-months: 36.68%
24-months: 36.22%
36-months: 35.07%
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%
Local Transactions: Rs. 300/-
International Transactions: Rs. 800/-
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
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
Mastercard World: Rs. 20,000/-
Mastercard Platinum: Rs. 10,000/-
Mastercard Gold: Rs. 4,000/-
Upto 4% per month
Upto 4% per month
Upto 4% per month
Yes
Mastercard World: Rs. 10,000 /-
Mastercard Platinum: Rs. 5,000/-
Mastercard Gold: Rs. 2,000 /-
3.5% per month (42% Annual Percentage Rate) on Cash Advance
3.5% per month (42% Annual Percentage Rate) on Retail Transactions
1.83% per month (22% Annual Percentage Rate) on BTF Transactions
3% of transaction amount or Rs 1,000/- (whichever is higher)
Rs. 1,500/-
Rs. 1,500/-
Rs. 1,000/-
Rs. 1,000/-
Rs. 1,000/-
Upto Rs. 100/- per transaction
@1/16% per quarter or part thereof
@1/8% per quarter or part thereof
a)
NIL
NIL
NIL
NIL
NIL
NIL
14
13
12
Yes
Yes
Yes
17/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
iii) Non-reimbursable LC under Barter/Aid/ Loans
102010204
yes
b)
N/A No
S- 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 Yes
T- PERSONAL LOANS
102060512
102060512
Pre payment / Pre-Mature Termination Charges
102061020
Yes
Late / Non-Payment Penalty
102061017
Yes
Verification Charges Upfront N/A No
Income Estimation Charges (If any) N/A No
Balloon / partial payment (DF facility)
102061020
Yes
Legal Charges if any N/A No
Service Charge on emergency limit including FED/PST 102060512
U- SMART ADVANCE CASH
102060524
Late Payment Charges 102060524 Yes
V- CONSUMER AUTO LEASE (CarGar)
102060513
Income Estimation Charges N/A No
Registration charges N/A No
Repossession charges N/A
102061022
Yes
Late / Non-Payment Penalty
102061013
Yes
Balloon Payment 102061022 Yes
Vehicle Insurance & Tracker Cost N/A No
Survey charges for repossessed vehicle N/A No
Warehouse charges for repossessed vehicle N/A No
Evaluation charges of pre owned / used and imported vehicles N/A No
Legal Charges N/A No
At Actual
At Actual
At Actual (Max. Rs. 500/- per day)
At Actual
At Actual - as charged by Insurance Company
5% of Principal adjusted against lease/loan account.
Re. 1/- per thousand per day of installment amount from due date till
actual payment
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.
At Actual upto maximum of Rs.100,000/-, whichever is lower
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 – Nil
SEB/ SEP – PKR. 10,000/- or 1% of partial payment amount, whichever
is higher.
At Actual
At Actual, as charged by external agency
Re.1/- per thousand per day per installment, for overdue days
Salaried Individuals: NIL
SEB/SEP: 5% of outstanding principal
Rs. 2,000/-
Salaried Individuals (Men & Women): Rs. 2500/-
SEB/SEP(Men): Rs. 5,000/-
SEB/SEP (Women): Rs. 4,000/-
At Actual
At Actual
For Men: Rs. 6,000/- per case
For Women: Rs. 4,000/- per case
For Men & Women: Rs. 1,500/- for Motorcycles
2.5% of Loan Availed on Monthly Basis
2.5% of Amount Availed or Rs. 100 whichever is higher
3% of every draw down / loan amount
At Actual
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.
No charges to be recovered including returning charges.
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.
@ 2 % p.a. in addition to the mark-up rate
Rs. 50/- per eCIB report
Rs. 1,500/-
(May be waived by the Business Head)
Allowed without penalty
At Actual
At Actual
Actual as per Shroff
0.50% of loan amount or minimum Rs. 2,500/- (whichever is higher).
Maximum Rs. 15,000/-
a)
18/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
W- BOP HUMRAHI
102060511
Income Estimation Charges N/A No
Registration charges N/A
Repossession charges N/A No
N/A
Late / Non Payment Penalties 102061016 Yes
Vehicle Insurance N/A No
Survey charges for repossessed vehicle N/A No
Warehouse charges for repossessed vehicle N/A No
Legal Charges N/A No
X- SESEUY 1.0
Repossession charges N/A No
Penalty on Repossession of Vehicles (including FED/PST)
102061055
Pre Payment Penalty
102061010
Yes
102061009
Yes
Vehicle Insurance & Tracker Cost N/A No
Survey charges for repossessed vehicle N/A No
Warehouse charges for repossessed vehicle N/A No
Legal Charges N/A No
Y- APNA ROZGAR SCHEME
Repossession charges N/A No
Penalty on Repossession of Vehicles (Including FED/PST) 102061055
Pre Payment Penalty 102061054 Yes
Late/Non-Payment Penalty 102061045 Yes
Vehicle Insurance & Tracker Cost N/A No
Survey charges for repossessed vehicle N/A No
Warehouse charges for repossessed vehicle 102061055 No
Legal Charges N/A No
Z- FLEET FINANCING
102060503
Evaluation/ Registration/ Legal Charges N/A No
Repossession Charges N/A No
Warehouse Charges for repossessed vehicles 102061051 No
Insurance & Tracker Cost N/A No
* Early Termination
102061025
Yes
Late Payment Penalty
102061019
Yes
Balloon Payment Penalty
102061022
Yes
* Charges negotiable on case to case basis
AA- HOUSE LOANS
102060509
Loan Enhancement Fee (includes Provincial Sales Tax/FED)
102060509
N/A No
Late / Non-Payment Penalties (includes Provincial Sales Tax/FED)
102061015
Life & Property Insurance Cost N/A No
Pre Payment (Partial or Full Adjustment)
102061023
Yes
Income Estimation Charges N/A No
AB- ASHIANA HOUSING FINANCE
102060514
Verification Fee upfront (Non Refundable) 102061050 Yes
N/A No
Late Payment Penalties 102061046 Yes
Prepayment / Partial Payment Penalty 102061024
At Actual
At Actual
Rs. 1,000/- (No charges shall be recovered where verification report is
being provided by DCOs)
Rs. 4,000/-
No Prepayment / Partial Payment Penalty
Re. 1/- per thousand per day of installment amount from due date till
actual payment
0.3% of amount adjusted against principal amount
Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.
Re. 1/- per thousand per day of instalment amount from due date till
actual payment
At Actual
Rs. 5,000
Salaried individual/Self-employed professional (SI/SEP) Rs.8000/-
Others Rs.10,000/-
3% of Principal Amount
At Actual
Actual
Actual (Max. Rs.500/- per day)
Actual
Actual - charged by insurance company
Re. 1/- per thousand per day of installment amount from due date till
actual payment
Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.
Re. 1/1000 per day of installment amount from due date till actual
payment
3% on the outstanding principal amount net off LKM
Actual, to be paid by lessee
Actual (Max. Rs.1,000/- per day)
To be borne by Lessee.
Rs. 10,000/- as per fixed penalty and up to Rs. 100,000/- as
repossession charges or actual (whichever is lower)
At Actual
Rs. 5,000/- per Vehicle
Actual
Actual (Max. Rs.500/- per day)
Actual
Actual – charged by insurance company
Rs.35 per day per rental from due date till actual payment
Rs.25 per day per rental from due date till actual payment
5% on Principal Outstanding
Rs. 10,000/-
At actual upto a maximum of Rs. 100,000/- whichever is lower
5% on Principal outstanding
Rs. 10,000/-
At actual upto maximum of Rs. 100,000/- whichever is lower
Rs. 5,000/- per case
At Actual
At Actual (Max. Rs.100/- per day)
At Actual
Rs. 5,800/- (at actual)
Rs. 10/- per day from due date till actual payment date
There is no prepayment penalty
At Actual upto maximum of Rs.25,000/-, whichever is lower
Rs. 3,800/-
At Actual
19/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
Life & Property Insurance Cost N/A No
Income Estimation Charges N/A No
AC- BOP SHAMSI TAWANAI
Processing Charges
102060544
(Agri Lease)
102060545
(Consumer Lease)
AD- Mera Pakistan Mera Ghar (Low Cost Housing)
Processing Fee/Charges (Non-refundable)
External agency charges
Early Payment (Unit Purchase Option)
Pre-Payment Charges (Partial or Full Adjustment)
Late / Non-Payment Charges (including FED)
Life** & Property Insurance Cost
**Life Assurance is optional.
Income Estimation Charges
SME Financing
AE- BOP Fori Sahulat
102060501 Yes
AF- BOP Apni Dokan
Documents charges
Legal charges
Valuation charges
Late payment Charges
Processing Fee (up-front with LAF) 102060501 Yes
AG- BOP Kamyab Karobar
102060501 Yes
Property Evaluation Fee
Legal Fee
Credit/Market Check & Income
Estimation Fee
Property Insurance Premium Rate
AH- BOP Supply Chain Finance
a) Processing Fee (up-front with LAF)
b) Annual Renewal Fee
102060501 Yes
GOVERNMENT INITIATIVES
AI- KAMYAB JAWAN YOUTH ENTREPRENEURSHIP SCHEME (KJ-YES)
Unsecured:
102060526
Vehicle:
102060527
SME:
102060528
Yes
N/A No
a) Rs.2,000
b) Rs.1,000
At Actual
Rs.100/- plus FED
Re. 1/- per thousand per day of installment amount from due date till
actual payment
NIL as per SBP
No restrictions on early payment/unit purchase.
Charged at actual
At Actual-Borne by applicant
At Actual-Borne by applicant
a) 0.10% of the facility amount, min. PKR 5,000/-
For women borrowers: 0.05% of the facility amount, min. PKR 2,500/-
b) 0.10% of the facility amount, min. PKR 2,500/-
For women borrowers: 0.05% of the facility amount, min. PKR 1,250/-
c) 0.05% of the facility amount, min. PKR 2,500/-
For women borrowers: 0.025% of the facility amount, min. PKR
1,250/-
d) 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/-
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.
a) 0.10% of the facility amount, min. PKR 5,000/-
For women: 0.05% of the facility amount, min. PKR 2,500/-
b) 0.05% of the facility amount, min. PKR 2,500/-
For women: 0.025% of the facility amount, min. PKR 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
th
day of the
month.
At Actual
At Actual-borne by applicant
For all categories: Rs.5,000/- plus FED/PST
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.
At Actual
At Actual
At Actual
At Actual
At Actual
20/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
Unsecured:
102061069
Vehicle:
102061070
SME:
102061071
Yes
Partial/Balloon/Early Settlement
Insurance including Tracker (if applicable) No
Insurance animals(in case livestock/dairy) No
Repossession Charges
(For Logistics only)
No
Warehouse Charges for repossessed vehicles
(For Logistics only)
No
No
AJ- PUNJAB ROZGAR SCHEME
Processing Fee
(Non Refundable)
102060539
Repossession Charges
(Logistics only)
Warehouse Charges for repossessed vehicles
(Logistics only)
608130697
Insurance (if applicable)
Insurance animals (in case livestock/dairy)
Partial/Balloon/Early Settlement
605010415
605010416
605010506
605010633
605010634
102061082
102061085
102061086
102061083
102061084
AK- BOP SME Asaan Finance (SAAF)
Processing Fee Non Refundable
Repossession Charges (Commercial Vehicle Only)
* Early Termination Partial/ Balloon /Early settlement
To be borne by the applicant.
Rs.500/- per day per vehicle or at actual, whichever is lower
To be borne by the applicant.
Up to Rs.150,000/- as repossession charges or actual (whichever is
lower)
At Actual
Punjab Small Industrial Corporation (PSIC) shall forward Rs. 1,000/-
per forwarded application to BOP which shall include ECIB, NADRA
Verisys and Physical Verification 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
The applicant shall be responsible to arrange fitness & route permit
certificate & pay all related charges.
Re. 1/- per 1000 per day on the principal amount to be calculated
from monthly installment due date till actual payment
NIL
For SME business loans other than logistics: Rs. 5,000 or 1% of loan
amount (whichever is higher)
For Logistics: Rs. 5,000/- per vehicle, non refundable.
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
0.3% 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.
For T2 & T3 (All Logistics Cases): At actual, to be paid by applicant
PKR 1 per 1000 per day on the principal amount due as monthly
installment from due date till actual payment date
NIL
The applicant shall be responsible to arrange fitness & route permit
certificate & pay all related charges.
To be borne by the applicant.
Rs.500/- per day per vehicle or at actual, whichever is lower
To be borne by the applicant.
Up to Rs.150,000/- as repossession charges or actual (whichever is
lower)
Actual, to be paid by borrower
At Actual
21/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
* Charges negotiable on case to case basis
AL-
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
4
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
Free
7.2 Cancellation
Free
Free
7.3 Duplicate issuance
Free
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.
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
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
15.1
Application Processing Fee
(Inclusive of documentation charges)
N/A Rs. 6,000/- per case
15.2 Early Settlement Charges 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 Re-possession Charges N/A
At Actual upto maximum of
Rs.100,000/-, whichever is lower
15.6 Legal Notice Fee 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
16
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
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
ROSHAN APNA GHAR
ROSHAN APNI CAR
Debit Card
(Platinum Card for normal RDA, Classic Card for Low Income Segment RDA)
BOP ROSHAN DIGITAL ACCOUNT (RDA) (Normal & Low Income Segment)
For RFD: Re 1 per 1000 per day on the overdue principal to be
calculated from monthly installment due date till actual payment.
SME: Late payment charges shall be calculated on principal amount of
the installment due at existing mark-up rate.
Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.
22/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
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
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
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
18
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 NIL
18.5
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
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
20
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
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
Note:For other charges please refer to our Schedule of Charges
LOCAL CURRENCY PRODUCTS
Features
A. CURRENT
1 BOP Tijarat Account
On Maintaining monthly average PKR 25,000
IBFT
Cheque Book
Debit Card
Locker
Universal Cheque Issuance
CDR Issuance
OBC Collection
2
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
GENERAL HOUSING FINANCE
LOW COST HOUSING
ROSHAN APNI CAR (ISLAMIC)
* 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.
* Free
Issuance is free for Classic Debit Card. For other Debit cards, charges
will apply
* Renewal will be free subject to monthly average balance criteria
* 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.
Free upto 3 Gross Salaries in a Month
Issuance Free for Classic Debit Card. For other Debit cards, charges
will apply
* Free
* Free
* Free
* Rs. 1 ( only small & medium) on maintaining monthly average
balance of PKR 1,000,000 preceding issuance/renewal date
* Renewal free on maintaining PKR 25,000 as monthly average
balance
* Issuance free
* Free
* Free
ROSHAN APNA GHAR - ISLAMIC (Subsidized & Normal House Finance)
**FEATURES OF SPECIALIZED PRODUCT/DEPOSIT SCHEMES (INCLUDING WAIVER/CONCESSIONS)
** Conditions as per 'General Notes' apply.
23/25
SOC Effective from 01.07.2022 to 31.12.2022
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 Account
Debit Card (PayPak Classic)
Cheque Book
SMS Alerts
6 Asaan Remittance Current Account
Debit Card (PayPak Classic)
7 YES Business Account
SMS Alerts
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 Naaz Current Account
Lockers
Debit Card
Cheque book
SMS Alerts
B SAVINGS
10
Behtreen Munafa Account
Debit Card
11
Young Lions Saving Account
Cheque Book
Debit Card
12
Asaan Saving Account
Debit Card (PayPak Classic)
13 BOP Kissan Dost Saving Account
On maintaining monthly average balance PKR 25,000
Cheque book
Universal Cheque
Agricultural (ACD) Financing
14
Salary Plus BOP@Work
Salary Disbursement Charges
14.1
PKR Current Account
Cheque Book
Debit Card Issuance
(Standard/ Personalized)
Renewal
Cash withdrawals (Off us)
E-Statement
Mobile App
SMS Alert Charges (ATM)
Bank Statement
14.2
PKR Savings Account
Debit Card Issuance
(Standard/ Personalized)
E-Statement
Mobile App
Bank Statement
Issuance & Annual/renewal at PKR 850. For other Debit cards, charges
will apply
Issuance free for PayPak (Classic) Debit Card. Annual/renewal charges
will apply.
For other Debit cards, charges will apply as mentioned in Cards
Section
First 25 Leaf free
Issuance free for Classic Debit Card. For other Debit cards, charges
will apply
Rate break/discount of 1.00% on all agricultural ( ACD) Financing
products
Free upto 2 UCs per month
Free 1st 25 leaf cheque book
PKR 62 P.M
First 25 Leaf free
Issuance & renewal at PKR 850. For other Debit cards, charges will
apply
Rate break/discount of 1.00% on all agricultural ( ACD) Financing
products
Free upto 2 UCs per month
Free 1st 25 leaf cheque book
Free issuance of Debit Card (PayPak Classic). For renewal, charges
apply as per SOC
Free
Free
Issuance & renewal at PKR 850. For other Debit cards, charges will
apply
(deductable on the receipt of 1st remittance in the account)
Exempted
Free
Issuance & renewal free for PayPak (Classic) debit card. For other
Debit cards, charges will apply
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free Issuance of 1st Naaz Debit Card
Free 1st, 25 leaves Cheque Book
Free
As per agreement / mandate with the client
No charges from Govt. or Semi Govt organizations
Locker Fee: Annual Rent - Free for 1st Year.
24/25
SOC Effective from 01.07.2022 to 31.12.2022
Sr. # BANKING SERVICE GL CODE
Applicability of
FED/PST
CHARGES
15
BOP KHAAS
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)
Mobile Banking Annual Subscription
Statement of Account (Annual/Half Yearly)
Issuance of all Currency Cheque books (Any Size)
16 BOP Naaz Saving Account
SMS Alerts
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
CONCESSIONAL CHARGES TO STAFF OF BOP
Banking Servic Desription
Collection made on staff A/c
Locker rent for staff members
Cheque book issuance charges
ADC charges for staff
Remittance facility (issuance of UC & CDR)
(except staff members, Zakat committees, students…..)
Re.1 per cheque book
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.
Re.1 per instrument
Charges for Staff
Free
Re.1/- per instrument.(irrespective of the amount)
Free
Free ( If Primary Card is KHAAS Platinum)
Free
Free
Free
Free
Re 1 on maintaining above mentioned balance for six months.
1 free per month
Issuance & renewal free
Free
Free
Free
Re 1 on maintaining above mentioned balance for six months.
1 free per month
Issuance & renewal free
Free
Free
Free
Free
Free
50% Fee Waiver
Free
FOREIGN CURRENCY PRODUCTS
Free
25/25