For Companies

Employee Banking Salary Account

Want hassle-free payroll solution along with multiple benefits for your company employees?

UBL has the answer for the modern employer in the form of Employee Banking Salary Account.
It offers multiple benefits and free services to employees on their salary current accounts, while
the employer enjoys a low cost and automated salary disbursement mechanism.

Advantages for Employers

With UBL Employee Banking Salary Account Employers will enjoy the convenience of:-

 Reduced paperwork
 Customized channels for salary disbursement
 Reduced TAT (turnaround time)
 Reduction in remittance costs
 Same day salary credit – With an option of real time salary transfer through Global
Netbanking
 Quick and enhanced reconciliation process
 Comprehensive and customized MIS
 Utility bill & other payment services through Global Netbanking

Advantages for Employees:

With UBL Employee Banking Salary Account employees of an organization will enjoy the
following benefits:-

 No minimum balance requirement

 Free first Cheque book of 25 leaves
 Free UBL Net Banking (Silver Package)
 Free UBL Go Green SMS Alerts (Basic Package)
  Free globally accepted UBL Mega Wallet ATM Debit Card
 Free Online Funds Transfer
 Free Accidental Death and Disability Insurance Coverage of up to PKR 2.5 million
 Free E-statement
 24 hour Phone Banking

For Retired Persons

UBL Zindagi Account

UBL Zindagi Account is a unique monthly savings account, offering competing high yield saving
rates for Senior Citizen segment aged 60 years or above, so that their financial needs are met with
ease.

Eligibility

All Individuals (single and joint account holders) of age 60 years or above are eligible for this
scheme. However, in case of joint account, primary account holder should be aged 60 years or
above.

Minimum denomination to open this account

This account can be opened with minimum PKR 100/-.

Minimum/maximum amount that can be deposited in this account

There is no minimum or maximum balance limit for this account.

Key features
Following are the main features

 Higher Rate of Return

 Monthly profit payout
 Complete Transactional Flexibility
 Free cheque book of 25 leaves (1st cheque book only)
 Free Debit card issuance

Profit calculation mechanism

Profit calculation mechanism is based on monthly average balance and profit will be automatically
credited to the account every month.

All fee related charges are applicable as per prevailing Schedule of Charges (SOC).

All rates are indicative and subject to change without any prior notice.

The method of calculating return/profit under the profit/loss sharing scheme is governed by the
Bank Rules under prevailing regulations/directives of the State Bank of Pakistan.

Zakat & WHT will be applicable as per Government rules.

For businessman

UBL Mukammal Current Account

UBL Mukammal Current account offers a range of benefits and free services allowing
transactional flexibility to the modern day customer. It is a Pak Rupee non-remunerative checking
account that aims to provide necessary tools to:

 Individuals,
 Traders,
  Businessmen and
 All Commercial entities
Also unlike any other current account there is no monthly average balance requirement on this,
which makes it all the more unique and attractive to customers.
Host of Free Services includes:

 Inter Branch Online Transactions - Country Wide

 Debit/ ATM Card Annual fee
 Issuance of Cashier's Cheque /CBC
 Cheque Book
 Over the Counter Cash Deposit
 Cancellation of CC/ CBC
 Cheque Returned Unpaid from Payee's Account in Outward Clearing
 Clean bill for Collection/Intercity Clearing
 Duplicate Cashier's Cheque/ CBC
 Duplicate Account Statement
 Issuance of RTC
 UBL Go Green SMS Alert
 Free Internet Banking
 Free Accidental Death & Disability Insurance*

For Salaried Persons

UBL Mahana Aamdani Savings Account

UBL Mahana Aamdani Savings Account is a unique monthly savings account, offering
competitive high yield tier based saving rates, primarily targeting rate conscious customers, who
are also looking for transactional flexibility.
 Eligibility

UBL Mahana Aamdani Savings Account can be opened by the following

 Individual Single and Joint Accounts

 Partnerships
 Joint Stock company Accounts (public/private)
 Gov’t Institutions (Federal/Provincial)
 Sole Proprietorships
 Self Employed Individuals
 Small and Medium Enterprises
 Salaried/ Retired Individuals / Pensioners
 Housewives
 Foreign Missions/Diplomats and Associations/Clubs/Trusts, etc.

Minimum denomination to open this account

This account can be opened with minimum PKR 100/-.

Minimum/maximum amount that can be deposited in this account

There is no minimum or maximum balance limit for this account.

Key features

Following are the main features:

 Tier Based Account

 Higher Rate of Return
 Complete Transactional Flexibility
 Profit calculation mechanism

Profit calculation mechanism is based on monthly average balance and profit will be automatically
credited to the account every month.

All fee related charges are applicable as per prevailing Schedule of Charges (SOC).

All rates are indicative and subject to change without any prior notice.

The method of calculating return/profit under the profit/loss sharing scheme is governed by the
Bank Rules under prevailing regulations/directives of the State Bank of Pakistan.

Zakat & WHT will be applicable as per Government rules.

For Investment

1-UBL Mahana Aamdani Term Deposit

UBL Mahana Aamdani Term Deposit is a unique Term deposit account, offering competitive high
yield profit rates, primarily targeting rate conscious customers who are dependent on monthly
fixed income.

Stable & High Rate of Return

Avail one of the best and most stable rates of return by investing in UBL Mahana Aamdani Term
Deposit

Minimum Investment

Investment starts from Rs. 25,000/-. However, there is no upper limit on maximum investment

Security
 UBL ensures a secured investment for your money

Profit Payout

 Monthly Profit Payout

 Profit rate remains the same during the Tenure despite fluctuation in money market

Renewal / Premature Encashment

 Rollover/Renewal option available

 Premature encashment facility available

Easy Available Financing

Avail up to 90% financing facility

Tenure

 3 Months, 6 Months
 1 Year, 3 Years, 5 Years and 10 Years

Easy Availability

UBL Mahana Aamdani Term Deposit is available at more than 1400 online branches across
Pakistan. Simply visit your nearest online UBL branch and make a smart investment through UBL
Mahana Aamdani Term Deposit.

2-UBL Regular Term Deposit Receipts

If you wish to make a secured long term investment, UBL’s Term Deposit Receipt is the smart
choice, just make an investment and see your deposit grow over time by investing in UBL Term
Deposit Receipts:
Special features include:

 You get an attractive rate of return

 Your profit is paid monthly on a floating rate based on money market conditions
 You have the flexibility to choose from a wide range of tenors
 You can avail the Rollover or Renewed option at any time before encashment
 You can get your TDR en-cashed at any time before maturity period
 Avail different attractive rates depending on the tenor you choose
 Get the pleasure of availing the best rates of return in the market
 Avail the services of nonstop banking in all UBL branches (over 1400) across the country.

Available Tenors:

 1 Month, 2 Months, 3 Months, 4 Months, 5 Months and 6 Months

 1 Year, 2 Years, 3 Years, 4 Years, 5 Years, 6 Years, 7 Years, 8 Years, 9 Years and 10 Years

All rates are indicative and subject to change without any prior notice.

The method of calculating return/profit under the profit/loss sharing scheme is governed by the
Bank Rules under prevailing regulations/directives of the State Bank of Pakistan.

WHT will be applicable as per Government rules.