Schedule of Bank Charges

July 2018 till December 2018

2018 2018 ���

 Particulars Page No.

Loans

1. Karobar Loan 3

2. Home Loan 3

3. Salary Loan 3

4. Sarmaya Qarza 3

5. Group Loan 4

6. Dairy Animal Financing (Cows / Buffaloes) 4

7. Livestock Financing 4

8. Gold Card 4

9. Alternate Energy – Solar System 4

10. Agriculture Group Loan 4

11. Private School Financing 5

12. Microenterprise Lending 5

13. Agent Financing 5

14. Easypaisa Loan – Secured 5

15. Easypaisa Loan – Unsecured 5

16. Easypaisa Sahara 5

17. Nestle Farmer Lending 5

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18. Kissan Loans 6
19. Careem Rickshaw Financing 6 ������ �   � ‫۔‬١٩
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Deposits

1. Non-Clearing Accounts 6

2. Clearing Accounts 6

3. Basic Banking Account (Without Cheque Book) 6

4. Collection & Clearing 6

5. Pay Order

6. Funds Transfer

7. ATM Charges

8. Agents / Merchants

9. APM Business

10. Pay Card

11. Miscellaneous

12. Cheque Book Charges 9

13. Non-Clearing Accounts Cheque Book Charges 9

14. Real Time Gross Settlement Fee 9

15. Insurance Services 9

Schedule of Bank Charges (July 2018 till December 2018) Page 02

 Loans

1. Karobar Loan
a. Tenure Up to 24 months 24

b. Processing Fee 2.5

500/-
(For Fresh & Repeat) Up to 2.5% of the loan amount or
Rs. 500/- whichever is higher

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

d. Prepayment Charges 5% of the outstanding principal amount 5

2. Home Loan

a. Tenure Up to 60 months 60

b. Processing Fee Up to 2% of the loan amount 2

c. Late Payment Penalty Rs. 20/- per day up to 90 days

90 20/-

d. Prepayment Charges 5% of the outstanding principal amount

5

3. Salary Loan

a. Tenure Up to 36 months 36

b. Processing Fee Up to 2% of the loan amount or

1,000/- 2
Rs. 1,000/- whichever is lower

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

d. Prepayment Charges 5% of the outstanding principal amount 5

4. Sarmaya Qarza
a. Tenure

- Bullet Loans Up to 12 months 12

-EMI Loans Up to 36 months 36

b. Processing Fee

-For Fresh Up to 2% of the loan amount 2

-For Rollover Up to 2% of the loan amount 2

-For Repeat Up to 1.5% or Rs. 600/-

600/- 1.5
whichever is higher

c. Prepayment Charges 5% of the outstanding principal amount 5

(for EMI Loans Only)

d. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

e. Fee on loss of delivery letter Rs. 200/- 200/-

f. Collateral Return Charges Rs. 300/-

300/-
(from Non-Home Branch)

g. Handing of Authority Letter Rs. 300/-

300/-
(where applicable)

h. Daily Collateral Custodial Rs. 50/-

50/-
Charges beyond 10 days
(where applicable)

Schedule of Bank Charges (July 2018 till December 2018) Page 03

 5. Group Loan
a. Tenure Up to 36 months 36

b. Processing Fee Rs. 500/- per loan 500/-

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

d. Prepayment Charges 5% of the outstanding principal amount 5

6. Dairy Animal Financing (Cows / Buffaloes)

a. Tenure Up to 24 months 24

b. Processing Fee Up to 2.5% of the loan amount or

500/- 2.5
Rs. 500/- whichever is higher

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

d. Prepayment charges 5% of the outstanding principal amount 5

7. Livestock Financing (Goats / Sheep)

a. Tenure Up to 12 months 12

b. Processing Fee 2.0% of the loan amount or

Rs. 500/- whichever is higher 500/- 2

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

8. Gold Card

a. Tenure Up to 36 months 36

b. Processing Fee (For Fresh Loan) Up to 2% of the approved limit 2

c. Line Renewal Fee Up to 2% of the approved limit 2

d. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

e. Prepayment Charges N/A

9. Alternate Energy – Solar System

a. Tenure Up to 24 months 24

b. Processing Fee Up to 2% of the loan amount 2

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

10. Agricultural Group Loan

a. Tenure Up to 12 months 12

b. Processing Fee Up to 2.5% of the loan amount or

500/- 2.5
Rs. 500/- whichever is higher

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

Schedule of Bank Charges (July 2018 till December 2018) Page 04

 11. Private School Financing
a. Tenure Up to 24 months 24

b. Processing Fee Up to 2.5% of the loan amount or

Rs. 500/- whichever is higher 500/- 2.5

c. Late Payment Penalty Rs. 20/- per day up to 90 days

90 20/-

12. Microenterprise Lending

a. Tenure

-Bullet Up to 1 year 1

-Running Finance 3 years line 36

-EMI Up to 60 months (as per product) 60

b. Processing Fee Up to 2% or Rs. 5,000/-

5,000/- 2
whichever is lower

d. Late Payment Penalty Rs. 20/- per day up to 90 days

90 20/-

e. Prepayment Charges 5% of the outstanding principal amount

5

13. Agent Financing

a. Tenure 1 year renewable Credit Line 1

b. Processing Fee Up to 4% of Credit Line 4

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

d. Intra-day Charges Nil

d. Prepayment Charges Nil

14.Easypaisa Loan – Secured

a. Tenure 1 year Credit Line 1

b. Processing Fee Nil

c. Late Payment Penalty Nil

15. Easypaisa Loan - Unsecured

a. Tenure Upto 1 year 1

b. Processing Fee Nil

c. Late Payment Penalty Nil

16. Easypaisa Sahara

a. Tenure 7 & 14 days 14 7

b. Service Fee 10-20% 10-20%

c. Processing Fee Nil

d. Late Payment Penalty 2.5% of Outstanding Loan Amount 2.5

17. Nestle Farmer Lending

a. Tenure 8 & 12 months 12 8

b. Processing Fee Nil

c. Late Payment Fee Nil

Schedule of Bank Charges (July 2018 till December 2018) Page 05

 18. Kissan Loans
a. Tenure Up to 6 months 6

b. Loan Processing Fee Nil

c. Late Payment Penalty Rs. 20/- per day up to 90 days 90 20/-

c. Prepayment Charges Nil

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a. Tenure 22 months 22

b. Loan Processing Fee Nil

c. Late Payment Penalty Nil

Deposits
1. Non-Clearing Accounts

a. Minimum Balance to open Rs. 100/- (plus cheque book & ATM
100/-
Current Account charges)

b.Minimum Balance to open Rs. 1/- (plus cheque book)

1/-
Asaan Account

c.Minimum balance to open Rs. 100/- (plus cheque book & ATM
PLS Account charges) 100/-

d.Minimum Balance for Profit on Nil

PLS Account

2. Clearing Accounts
a. Minimum Balance to open Rs. 100/- (plus cheque book & ATM
100/-
Current Account charges)

b.Minimum Balance to open Rs. 1/- (plus cheque book)

1/-
Asaan Account

c. Minimum balance to open Rs. 100/- (plus cheque book & ATM
PLS Account charges) 100/-

d. Minimum Balance for Profit on Nil

PLS Account

e.Low Balance Charges on Nil

PLS Saving

3. Basic Banking Account (Without Cheque Book)

a. Minimum Balance to open Rs. 100/- (plus cheque book & ATM
Current Account charges) 100/-

4. Collection & Clearing

a. OBC Collection (Cheque) Rs. 250/- (postage and actual DD charges 250/-
charged by the drawee bank)

b. OBC Return Rs. 250/- per cheque 250/-

c. Cheque Return Charges – Rs. 100/- per cheque 100/-

Inward Clearing

d. Cheque Return Charges – Nil

Outward Clearing

e. Intercity Clearing Rs. 250/- per instrument (plus

250/-
corresponding bank charges)

f. Intercity Clearing Return Charges Rs. 200/- per instrument (plus

200/-
corresponding bank charges)

g. Same Day Clearing Rs. 300/- per instrument (plus

corresponding bank charges) 300/-

h. Same Day Clearing Return Rs. 300/- per cheque 300/-

Schedule of Bank Charges (July 2018 till December 2018) Page 06

 5. Pay Order

a. Issuance

– For Account Holder Rs. 50/- Per Pay Order 50/-

– For Non-Account Holder Rs. 100/- Per Pay Order 100/-

b. Cancellation Charges

– For Account Holder Rs. 50/- Per Pay Order

50/-

– For Non-Account Holder Rs. 100/- Per Pay Order

100/-

c. Duplicate Issuance

– For Account Holder Rs. 50/- Per Pay Order 50/-

– For Non-Account Holder Rs. 100/- Per Pay Order 100/-

a. Fund Transfer b/w Own Free

Branches (intercity)

b. IBFT Charges Rs. 100/-

100/-
(Per Counter Transaction)

c. Cross Bank Deposit Rs. 100/- per transaction 100/-

d. Online Banking Charges

- Cash Deposit Free

(all TMFB branches)

-Cash Withdrawals Free

(all TMFB branches)

a. Use of ATM (For TMFB

Customers) Free

b. ATM Card Replacement fee Rs. 100/- per card 100/-

(For Group Loans)

c. Withdrawal (TMFB Customer – Rs. 15/- per transactionr 15/-

1 Link/M-Net Switch) (charged by othe banks)

d. Balance Inquiry (TMFB Free

Customer – 1 Link Switch)

e. Balance Inquiry (TMFB Rs. 5/- per transaction 5/-

Customer M-Net Switch) (charged by other banks)

f. Balance Inquiry (TMFB Free

Customer– TMFB ATM)

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g. EMV PayPak Debit Card Rs. 500
(New and replacement) �
(� �‫ اور‬   ��)
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h. EMV UPI Debit Card Rs. 500
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i. Fee on Issuance of ATM Cards will be charged as per the following schedule:
PRODUCT FEES Per Card Withdrawal Limits IBFT Limits Purchase Expiry
without FED
Normal Card 200 20,000 250,000 - 5 Years
Classic Card 300 25,000 250,000 - 5 Years
Gold Card 300 50,000 500,000 - 5 Years
Platinum Card 300 75,000 1,000,000 - 5 Years
Corporate Customers 200 20,000 5,000,000 - 5 Years
RF Enterprises 200 50,000 250,000 - 5 Years
Silver Card 300 - 250,000 - 5 Years
RF Gold Card 200 20,000 250,000 - 5 Years
Paypak Gold Card 500 75,000 500,000 200,000 3 Years
Paypak Silver Card 300 25,000 500,000 100,000 3 Years

Schedule of Bank Charges (July 2018 till December 2018) Page 07

 8. Agents/ Merchants

a. Merchant Discount Rate Up to 1.3% 1.3

9. APM Business
15/-
a. Cash withdrawal APM Location Rs. 15/-

b. Cash withdrawal at doorstep Rs. 30/- 30/-

c. Cash to IBFT at APM Location Rs. 100/- 100/-

10. Pay Card

a. Funds Transfer to Pay Card Rs. 10/- 10/-

b. Pay Card Issuance Fee Up to Rs. 100/- 100/-

c. Replacement of Pay Card Fee Rs. 150/- 150/-

d. Supplementary Pay Card Fee Rs. 200/- 200/-

e. Prepaid Card Issuance Fee Rs. 100/- 100/-

11. Miscellaneous

a. Stop Payment Charges Rs. 100/- per instrument 100/-

b. Stop Payment of Cheque Rs. 200/- per instrument 200/-

Book List

c. Current Account Closure Charges Up to Rs. 150/- 150/-

d. PLS Account Closure Charges Nil

e. Certificate Issuance Charges Rs. 100/- 100/-

f. Statement of Account Rs. 35/- per statement 35/-

g. Duplicate Statement of Rs. 35/- per statement

35/-
Account/ Advice Charges

h. Corporate Salary Rs. 10/- per transaction

10/-
Disbursement

i. Copy of Paid Cheque Rs. 100/-

(less than 6 months) 100/-

j. Copy of Paid Cheque Rs. 200/-

(up to 1 year) 200/-

k. Copy of Paid Cheque Rs. 500/-

(1 year and above) 500/-

l. Mailing Charges Actual or Minimum Rs. 50/-

50/-
(Postage, Courier & Fax)

m. Confirmation of Balance to Rs. 100/-

100/-
(3rd Party Auditors)

n. Dormant/ Inoperative Nil

Account Reactivation Charges

o. Collateral Liquidation Charges Rs. 500/- 500/-

p. Legal Notic Charges Rs. 200/- per notice 200/-

q. Safe Keeping of Cash 0.1% of the amount deposited per day 0.1
in Holidays

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Schedule of Bank Charges (July 2018 till December 2018) Page 08
 12. Cheque Book Charges

a. 25 Leaves Rs. 150/- 150/- 25

b. 50 Leaves Rs. 300/- 300/- 50

c. 100 Leaves Rs. 600/- 600/- 100

13. Non-Clearing A/C Cheque Book Charges

a. 05 Leaves Rs. 15/- 15/- 5

(To be used only for PDCs)

b. 25 Leaves Rs. 75/- 75/- 25

14. Real Time Gross Settlement Fee

Time Fee

a. From 0900am to 1245pm Rs. 220/- 220/- 1245 0900

b. From 1246pm to 1415pm Rs. 330/- 330/- 1415 1246

c. From 1416pm to 1515pm Rs. 550/- 550/- 1515 1416

15. Insurance Services

Product Type Health Insurance Health Insurance Health Insurance

Product Name Sehat Sahara Muhafiz Rakhwala

Tenure 1 year 6 Months 6 Months
Premium PKR.950 PKR.375 PKR.500
Claim for Hospitalization: in Normal Ward :
In Case of Major Disease customer can
Claim Amount 1,000 per day { Max 30,000 } Claim for Accidental Hospitalization: PKR25,000
claim amount of RS 100,000
In ICU: Claim Amount 2,000 per day { Max 60,000 }
Coverage
Claim for Bed Rest: 5,000 Rupees Per week. { MAX 50,000 } Claim for Accidental Permanent Disability: PKR.50,000 In Case of Permanent disability customer can claim RS 60,000
In Case of death customer will receive RS 60,000
OPD Claim : 300 per visit { MAX 900 } Claim for Accidental Death : PKR.100,000
in 6 installments of RS 10,000 per month

Product Type Life Insurance Life Insurance Health Insurance Health Insurance

Product Name Kamyab Mustaqbil Kamyab Mustaqbil Plus Sehat-O-Sakoon (individual) Sehat-O-Sakoon (Group)
Tenure 1 year 1 year 1 year 1 year
Premium PKR.500 each unit PKR.700 each unit PKR.700 each unit PKR.480 each unit
For Each Unit For Each Unit For Each Unit For Each Unit
PKR. 100,000 PKR. 100,000 natural death Hospitalization Limit : 40,000 Hospitalization Limit : 25,000
(up to 10 multiples depending on units) (up to 10 multiples depending on units) Room Limit : 500 Room Limit : 500
Ambulance : 250 Ambulance : 250
Test Covered in Hospitalization : Test Covered in Hospitalization :
MIR,CT SCAN,Endoscopy MIR,CT SCAN,Endoscopy
In Case of Accident limit is 5,000 within 24 hours. In Case of Accident limit is 5,000 within 24 hours.
If covered limit is available. If covered limit is available.
Coverage
PKR. 125,000 accidental death
(up to 10 multiples depending on units)
PKR. 5,000 accidental medical
expense reimbursement
(up to 10 multiples depending on units)

Note:

All taxes/ excise duties/ withholding tax etc. levied by the Government
are to be recovered from the customer in addition to the charges as
specified above.

Animal Insurance and Vet charges (where applicable) will be levied.

Schedule of Bank Charges (July 2018 till December 2018) Page 09