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Key Fact Statement for Deposit Accounts

Khushhali Microfinance Bank


Date
Ltd.,
----------------Branch, IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered
----------------City. by other banks. You have the right to receive KFS from other banks for comparison.
Account Types & Salient Features:
This information is accurate as of the date above. Services, fees and mark up rates may change on ______basis. For updated fees/charges, you may visit our website or visit our branches.

Current Account Saving Account Term Deposit


Current Deposit Asaan Sahulat Sahulat Mehfooz Karobari Behtareen Muhafiz Muhafiz Khushhali Khushhali Izafa
Particulars Account Account Current Current Account Munafa Bachat Savings Savings Amdani Certificate
(CDA) (AA) Account Account (MA) (KM) Account Account Account Certificate (KIC)
(Salary) (Pension) (BBA) (Salary) (Pension) (KAC)

Currency PKR PKR PKR PKR PKR PKR PKR PKR PKR PKR PKR

To open Rs.100 Rs.100 None None Rs.100 Rs.500 Rs.5000 None None Rs.5000 Rs.25000
Minimum Balance
for Account To keep None None None None None
10000 25000
None None Not Applicable Not Applicable
(Avg. Monthly) (Avg.Monthly)

Account Maintenance
Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Rs.40 Rs.40 Not Applicable Not Applicable Not Applicable Not Applicable
Fee/Fall below Fee

Is Profit Paid on account


No No No No Yes Yes Yes Yes Yes Yes Yes
subject to the applicable tax rate

Indicative Profit Rate. (%) Not Applicable Not Applicable Not Applicable Not Applicable 7% 8.5% 7% to 9% 7% 7% 6.5% to 10.5% 7.5% to 10%

Profit Payment Frequency Not Applicable Not Applicable Not Applicable Not Applicable Monthly Monthly Monthly Monthly Monthly Profit paid at maturity Monthly

Rs. 70
Rs. 70 Rs. 75
For example, Not Applicable Not Applicable
Rs. 85 to Rs.90 on Rs. 65 to Rs. 105 on to Rs. 100 on given
Not Applicable Not Applicable on given on given Rs. 70 on given Rs. 70 on given
on each Rs. 1000 you can earn: periodicity periodicity
given
periodicity periodicity given periodicity periodicity
periodicity

"Booking or "Booking or
Premature/ Early Pre-encashment Rates Pre-encashment Rates
Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable mentioned in SOC mentioned in SOC
Encashment/Withdrawal Fee which ever is Less will which ever is Less will
be applicable for be applicable for
pre-encashment" pre-encashment"

Service Charges
IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches’ Notice Board, & on our website- https://www.khushhalibank.com.pk
Please note that all bank charges are exclusive of applicable taxes.

Current Account Saving Account Term Deposit


Current Sahulat Sahulat Behtareen Muhafiz Muhafiz Khushhali
Deposit Asaan Current Current Mehfooz Karobari Savings Savings Khushhali
Services Modes Bachat Amdani
Account Account Account Account Account Munafa Account Account Izafa Certificate
Account Certificate
(CDA) (AA) (Salary) (Pension) (MA) (KM) (Salary) (Pension) (KIC)
(BBA) (KAC)
Intercity - - - - - - - - - - -

Intercity - - - - - - - - - - -
Cash Transaction Own ATM
Free Free Free Free Free Free Free Free Free - -
withdrawal
Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 Rs. 18.75 - -
Other Bank ATM (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED)

ADC/Digital Zero Zero Zero Zero Zero Zero Zero Zero Zero - -

Monthly Monthly Monthly


Monthly subscription Monthly Monthly Monthly subscription subscription subscription Monthly Monthly
SMS Alerts Clearing & Other Rs.50 subscription Rs.50 subscription Rs.50 subscription Rs.50 Rs.50 Rs.50 Rs.50 subscription Rs.50 subscription Rs.50 - -
Transactions Annual subscription Annual subscription Annual subscription Annual subscription Annual Annual Annual Annual subscription Annual subscription
Rs.500 Rs.500 Rs.500 Rs.500 subscription subscription subscription Rs.500 Rs.500
Rs.500 Rs.500 Rs.500

Issuance Fee: Issuance Fee: Issuance Fee: Issuance Fee: Issuance Fee:
Rs.250-per card Rs.250-per card Issuance Fee: None Issuance Fee: None Rs.250-per card Rs.250-per card Rs.250-per card Issuance Fee: None Issuance Fee: None
Annual fee: Annual fee: Annual fee: None Annual fee: None Annual fee: Annual fee: Annual fee: Annual fee: None Annual fee: None - -
Silver Rs.200-per card Rs.200-per card Replacement fee: Replacement fee: Rs.200-per card Rs.200-per card Rs.200-per card Replacement fee: Replacement fee:
Replacement fee: Replacement fee: Rs.200-per card Rs.200-per card Replacement fee: Replacement fee: Replacement fee: Rs.200-per card Rs.200-per card
Rs.200-per card Rs.200-per card Rs.200-per card Rs.200-per card Rs.200-per card
Debit Cards Issuance Fee: Issuance Fee: Issuance Fee: Issuance Fee: Issuance Fee:
Rs.300-per card Rs.300-per card Issuance Fee: None Issuance Fee: None Rs.300-per card Rs.300-per card Rs.300-per card Issuance Fee: None Issuance Fee: None
Annual fee: Annual fee: Annual fee: None Annual fee: None Annual fee: Annual fee: Annual fee: Annual fee: None Annual fee: None - -
Gold Rs.250-per card Rs.250-per card Replacement fee: Replacement fee: Rs.250-per card Rs.250-per card Rs.250-per card Replacement fee: Replacement fee:
Replacement fee: Replacement fee: Rs.250-per card Rs.250-per card Replacement fee: Replacement fee: Replacement fee: Rs.250-per card Rs.250-per card
Rs.250-per card Rs.250-per card Rs.250-per card Rs.200-per card Rs.200-per card

5 leaves Book: 5 leaves Book: First Cheque Book First Cheque Book 5 leaves Book: 5 leaves Book: 5 leaves Book: First Cheque Book First Cheque Book
Rs.10 per leaf Rs.10 per leaf (25 leaves)-FOC (25 leaves)-FOC Rs.10 per leaf Rs.10 per leaf Rs.10 per leaf (25 leaves)-FOC (25 leaves)-FOC
5 leaves Book 5 leaves Book 5 leaves Book 5 leaves Book
10 leaves Book: 10 leaves Book: 10 leaves Book: 10 leaves Book: 10 leaves Book: - -
Rs.10 per leaf Rs.10 per leaf Rs.10 per leaf Rs.10 per leaf
Issuance Rs.9 per leaf Rs.9 per leaf 10 leaves Book: 10 leaves Book: Rs.9 per leaf Rs.9 per leaf Rs.9 per leaf 10 leaves Book: 10 leaves Book:
25 leaves and above 25 leaves and above Rs.9 per leaf Rs.9 per leaf 25 leaves and 25 leaves and 25 leaves and Rs.9 per leaf Rs.9 per leaf
Book: Book: 25 leaves and above 25 leaves and above above Book: above Book: above Book: 25 leaves and above 25 leaves and above
Rs.6 per leaf Rs.6 per leaf Book: Rs.6 per leaf Book: Rs.6 per leaf Rs.6 per leaf Rs.6 per leaf Rs.6 per leaf Book: Rs.6 per leaf Book: Rs.6 per leaf
Rs.100 per Rs.100 per Rs.100 per
Cheque Book Rs.100 per Rs.100 per Rs.100 per
instrument instrument instrument
Rs.100 per Rs.100 per
Rs.100 per instrument instrument instrument instrument instrument instrument
(Cheque/BC) (Cheque/BC) (Cheque/BC) - -
(Cheque/BC) (Cheque/BC) (Cheque/BC) (Cheque/BC) (Cheque/BC) (Cheque/BC)
Stop payment Rs.250 per instruction Rs.250 per Rs.250 per Rs.250 per
Rs.250 per Rs.250 per Rs.250 per
Rs.250 per Rs.250 per
instruction instruction instruction
Cheque Book/Series instruction Cheque instruction Cheque instruction Cheque instruction Cheque instruction Cheque
Cheque Cheque Cheque
Book/Series Book/Series Book/Series Book/Series Book/Series
Book/Series Book/Series Book/Series
Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per
Rs.200 per instrument
instrument instrument instrument instrument instrument instrument instrument instrument - -
Loose cheque (Issuance of Counter
(Issuance of Counter (Issuance of Counter (Issuance of Counter (Issuance of (Issuance of (Issuance of (Issuance of Counter (Issuance of Counter
Cheque)
Cheque) Cheque) Cheque) Counter Cheque) Counter Cheque) Counter Cheque) Cheque) Cheque)
Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per Rs.200 per
Remittance Rs.200 per instrument
Banker Cheque instrument instrument instrument instrument instrument instrument instrument instrument
- -
(Through Account) (Through (Through (Through (Through (Through
(Local) (Through Account) (Through Account) (Through Account)
Account) Account) Account) Account) Account)

Foreign Demand
Remittance Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable - -
Draft
(Foreign)
Wire Transfer Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable - -

Annual Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable - -

Statement of - -
Half Yearly Free Free Free Free Free Free Free Free Free
Account Rs.35 per Rs.35 per Rs.35 per Rs.35 per Rs.35 per
Rs.35 per statement Rs.35 per statement Rs.35 per statement Rs.35 per statement statement statement statement statement statement - -
Duplicate (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED) (inclusive of FED)

Free (KMBL to Free (KMBL to Free (KMBL to Free (KMBL to Free (KMBL to
Free (KMBL to Free (KMBL to Free (KMBL to
KMBL) KMBL) KMBL) KMBL) KMBL)
Free (KMBL to KMBL) KMBL) KMBL) KMBL)

ADC/Digital Rs. 100 (IBFT) Rs. 100 (IBFT) Rs. 100 (IBFT) Rs. 100 (IBFT) Rs. 100 (IBFT)
Rs. 100 (IBFT) Currently Rs. 100 (IBFT) Rs. 100 (IBFT) Rs. 100 (IBFT) - -
Currently this Currently this Currently this Currently this Currently this
Channels this fee is waived off Currently this fee is Currently this fee is Currently this fee is
Fund Transfer fee is waived off fee is waived off fee is waived off fee is waived off fee is waived off
due to SBP mandated waived off due to waived off due to waived off due to
due to SBP due to SBP due to SBP due to SBP due to SBP
COVID-19 Relief. SBP mandated SBP mandated SBP mandated
mandated mandated mandated mandated mandated
COVID-19 Relief. COVID-19 Relief. COVID-19 Relief.
COVID-19 Relief. COVID-19 Relief. COVID-19 Relief. COVID-19 Relief. COVID-19 Relief.

Others Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable - -

Internet Banking
subscription (one- Free Free Free Free Free Free Free Free Free - -
time & annual)
Digital Banking
Mobile Banking
subscription (one- Free Free Free Free Free Free Free Free Free - -
time & annual)
Free (inward & Free (inward & Free (inward & Free (inward & Free (inward &
Free (inward & Free (inward & Free (inward & Free (inward & - -
Normal outward clearing) outward clearing) outward clearing) outward clearing)
outward outward outward outward outward
clearing) clearing) clearing) clearing) clearing)
Free (inward) Free (inward) Free (inward) Free (inward) Free (inward) Free (inward) Free (inward) Free (inward) Free (inward)

Clearing Intercity Rs. 100 (outward/OBC Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100 - -
clearing) (outward/OBC (outward/OBC (outward/OBC (outward/OBC (outward/OBC (outward/OBC (outward/OBC (outward/OBC
clearing) clearing) clearing) clearing) clearing) clearing) clearing) clearing)

Rs. 300 per Rs. 300 per Rs. 300 per Rs. 300 per Rs. 300 per Rs. 300 per Rs. 300 per Rs. 300 per - -
Same Day Rs. 300 per instrument
instrument instrument instrument instrument instrument instrument instrument instrument

Closure of Account Customer Request Rs.100 Free Free Free Free Rs.100 Rs.100 Free Free - -

You Must Know


Requirements to open an account: To open the account you will need to satisfy some Identification requirements as Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962 all deposits which have not been
per regulatory instructions and banks' internal policies. These may include providing documents and information to verify operated during the period of last ten years, except deposits in the name of a minor or a Government or a court of law, are
your identity. Such information may be required on a periodic basis. Please ask us for more details. surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions as per provisions of law. The
surrendered deposits can be claimed through the respective banks. For further information, please contact Helpline:
Cheque Bounce: As per Pakistan Penal Code 1860 Section 489F, dishonoring of cheques is subject to a criminal trial in 051-111-047-047
Pakistan. Accordingly, you should be writing cheques with utmost prudence.
Closing this account: In order to close your account, please follow visit in person to your relevant branch with valid CNIC,
cheque book and Debit Card (if any). You will be require to furnish “Account Closure Request”. Branch will proceed for
Safe Custody: Safe custody of access tools to your account like ATM cards, PINs, Cheques, e-banking usernames,
account closure and your remaining balance (if any) will be handed to you either through Banker’s cheque or transfer funds
passwords; other personal information, etc. is your responsibility. Bank cannot be held responsible in case of a security
in any KMBL account (if present).
lapse at the customer’s end. Please be aware of fake SMS, email or calls asking for personal/account details. Please note
KMBL will never ask for any such information. In case if you receive any such call, SMS, or email, please contact 24/7 KMBL How can you get assistance or make a complaint?
Contact Center 051-111-047-047 immediately. Khushhali Microfinance Bank Ltd,
Complaint Cell, Plot no. 55C, 7th Floor,
Record updation: Always keep profiles/records updated with the bank to avoid missing any significant communication. Ufone Tower Jinnah Avenue,
You can contact …………………….…….……………. to update your information. Blue Area, Islamabad.
Helpline: 051-111-047-047
What happens if you do not use this account for a long period? If your account remains inoperative for 12 months, Complaint Cell Toll Free: 0800-88887(during business hours only)
it will be treated as dormant. If your account becomes dormant, [specify briefly consequence of dormancy]. To reactivate Email: complaints@kb.com.pk
your account, you must visit in person to your relevant branch with valid CNIC, or may request KMBL Contact Center Website: https://www.khushhalibank.com.pk
through registered mobile number for activation of dormant account. If you are not satisfied with our response, you may contact:
The Director,
Consumer Protection Department,
SBP 5th Floor, SBP Main Building,
I. I. Chundrigar Road,
Karachi.
UAN Number: 021-111-727-273
Fax Number: 021-99221160 & 99221154
Email Address: cpd.helpdesk@sbp.org.pk

(Portion to be used for the post-shopping stage)


I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT
Customer Name: Date:
Product Chosen:
Mandate of account: Single/Joint/Either or Survivor

Address:

Contact No.: Mobile No.: Email Address:

Customer Signature: Signature Verified:


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‫) �ؤ� � �‬ ‫ � � � ا��اء(‬
‫) �ؤ� � �‬ ‫ � � � ا��اء(‬
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‫‪-‬‬ ‫‪-‬‬

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‫‪-‬‬ ‫‪-‬‬

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‫� دورا  ‬‫ت  ‬‫��  ‬
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