turnaround time (tat) for delivery of service...turnaround time (tat) for delivery of services...

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Account Opening

Issuance of Cheque Book (New Account)

Issuance of Replacement Debit Card

Issuance of Debit Card

Subscription to Internet Banking Service

Subscription to SMS Alert Service

Subscription to eStatement Service

Cash Deposit/ Withdrawal (Same Branch)

Online Cash Deposit/ Withdrawal(other than Same Branch)

Funds Transfer (Same Branch)

Funds Transfer (other than Same Branch)

Utility Bill Payment at Cash Counter

Inter-city Clearing (Centralized)

Home Remittance Payment (Cash Over Counter)

Home Remittance Payment (Deposit to BAHL account)

S. No.

1

2

3

4

5

6

7

8

9

10

11

12

13

14

17

18

19

20

21

22

23

24

25

Standard TAT

Business Days

• If requested via ATM/Internet Banking/Call Center IVR

• If request submitted at Branch• If requested via Call Center Agent

• Subject to submission of completed form at Branch

• After opening of account in case of new A/C

• For existing accounts, from the date of request made at Call Center

• For existing accounts, from the date of request made at Call Center

• Subject to receiving instruments before cut-off time of 4PM

• Received within Banking Hours

• After account opening in case of new A/C• After receipt of request in case of existing A/C

• After account opening in case of new A/C• After receipt of request in case of existing A/C

• After opening of account in case of new A/C• After receipt of request at Branch in case of existing A/C

3 days4 days5 days

3 days

3 days

1 day

5 days

5 days

3 days

• Received within Banking Hours• Cheque is in order

• Subject to receiving instruments before cut-off time of 4PM where NIFT services are available• Subject to receiving instruments before cut-off time of 9:30 AM where Same Day Clearing NIFT services are available• Subject to receiving instruments before cut-off time of 4PM where NIFT services are available

• Subject to receiving instruments before cut-off time of 2 PM at Remote Area Branches where NIFT services are not available

• Subject to receiving instruments before cut-off time of 2 PM at Remote Area Branches where NIFT services are not available

• Subject to clearance from Compliance Division

• Subject to clearance from Compliance Division and availability of correct information

• Received within Banking Hours• Currency Notes are in order, in case of Cash Deposit• Cheque is in order in case of Cash Withdrawal• Account has adequate balance, in case of Cash Withdrawal• For transactions under Rs.500,000

• Received within Banking Hours• Cheque is in order• Transaction amount should not exceed daily limit of PKR 5M each for remitting and beneficiary accounts

• Subject to completion of all required documentations �ں  � �ات �د�و�� در�ر  �م   ������ •�� ا�و� 

ا�و�)  � ا�اء (�ا�   �  �   � ��

Issuance of Cheque Book (Existing Account)ا�و�) ��دہ  ا�اء (�ا�   �  �   � ��

ا�اء  � �رڈ    � � ڈ��

ا�اء  � �رڈ    � � ڈ�� �دل 

�وس  � �

� ��   � ��

ا�� �ا�   ������ ��

�وس ا�ٹ    ا��   ا��   ا�� �ا�   ������ ��

�وس   �������

��� ��ا�� اى  �ا�   ������ ��

(� ا�ؤ�  �ں   � �ا�  �وا�/ �ا� (اس   �  ���

( � ا�ؤ�  �ں   � �ا�  � ( اس  �ز 

�وہ )  � �ا�  اس   � ا�ؤ�  � ( �ں  �ز   �� آن 

����� در���ن   � �ا�ں   � �ون  � ��

 �و�)���  � (�ر��

�ادا�  �

����ٰ

�� ���� ر� �م 

( �� � �  ا�و� ��   ��� ا�����  �� ��) �

�ادا�  �

����ٰ

�� ���� ر� �م 

Auto Loan �ن آ� 

Inter-city Clearing (De-Centralized) ���در���ن ��  � �ا�ں   � �ون  � ��

Same Day Clearing ����� ڈے    ��

Overnight Clearing �����  �� اوور 

��

ادا�  �  �  �� �ٰ�� �

� �� ��  � �و�   ���

�وہ)  � �ا�  اس   � ا�ؤ�  �وا�/ �ا� (�ں   �  ���  �� آن 

Customer Record Updation �رف �آ�    ��ا��� ر�رڈ 

5 days ٥ دن

6 minutes � ٦

15 minutes � ١٥

6 minutes � ٦

10 minutes � ١٠

6 minutes � ٦

Same day دن اُ� 

Same day دن اُ� 

Same day دن اُ� 

5 to 7 days ٥� ٧ دن

4 days ٤ دن

٣ دن

٤ دن

٥ دن

٥ دن

5 days ٥ دن

٥ دن

٣ دن

٣ دن

١ دن

٣ دن

1 day ١ دن

��ت  ���� ���   � ��

� ��ت����

������ ر� �م 

��ت  � �

� ��  �� ���

• After opening of account �  �  � • ا�و� �  �  � آر  وى  آ�   �

� � �� / �ل � �

� ��   � ��

/ ا�� ا��  � اے    �ر�� در�ا�  • ا� �  �  �  �   �� �ا�  در�ا�  • ا� 

�  �  � ��ہ   �� � �� �ل    �ر�� در�ا�  • ا� 

• After receipt of request at Call Center �  �  �� ��ل  در�ا�    ��  �� � �� • �ل 

�� �رت   � �وا�   �   �� �ا�  �رم   � •�  �  � ا�و�    �� �رت   � ا�و�   � •

��  �� � �� �ل    �� �رت   � ا�و�  • ��دہ 

�  � ��ر�  �  �� ��ل  در�ا� 

� دوران   � او�ت   � �

� ��  ��� •�ں   ��  �� در�   ��  ��   �� �رت   � �ا�   �  

��� •

�   ��  �� در�    � ��   �� �رت   �  ��  ��� •

� ��د    �� ا�ؤ�  ر�   ��   �� �رت   �  ��  ��� •

� ا�ر   � � 500,000 رو�  د��   � ��/ � � • �ا���� دوران   � او�ت   

� �� ��  ��� •

�ں   ��  �� در�   ��  ��   �� �رت   � �ا�   �  ��� •

�   ��  �� در�    � ��   �� �رت   �  ��  ��� •

� ��د    �� ا�ؤ�  ر�   ��   �� �رت   �  ��  ��� •

� ا�ر   � � 500,000 رو�  د��   � ��/ � � • �ا���� دوران   � او�ت   

� �� ��  ��� •

�   ��  �� در�    � �� •

� دوران   � او�ت   � �

� ��  ��� •

� ��ل   �  � �م  و� 04:00 �  �ر�دہ    ��ا�و��  ������ •

� �ہ   ����  � �ن 

�ڈو��  ���� ���  ������ •

�  � �ا�  ��ت   �

اور�  � �ہ   ����  � �ن 

�ڈو��  ���� ���  ������ •

�  �� �� �ہ  �ں، در�ا�   � �ات 

�د�و��  �  ������

��� • �رى 

� �رى   � ا�ر�   � �اور  ا��  �را  ���ر�   �  �

�� ��� ا�

��ل  �  � �م  و� 04:00 �  �ر�دہ    ��ا�و��  ������ •

� �� �ں NIFT ��ت ��د   �

��ل  �  � �م  و� 04:00 �  �ر�دہ    ��ا�و��  ������ •

� �� �ں NIFT ��ت ��د   �

�ان ���ل   � دو�  و� 02:00�  �ر�دہ    ��ا�و��  ������ •

� �� � ��

��د� �ں NIFT ��ت  �ا�ں��  � ��ں  دوردراز 

� � � و� 09:30 �  � �ر�دہ  �ا�و��  ������ •

� ��د �� ��ت   ����� NIFT ڈے   �� �ں   � ��ل 

�ان ���ل  دو��  و� 02:00�  �ر�دہ    ��ا�و��  ������ •

� �� � ��

��د� �ں NIFT ��ت  �ا�ں��  � ��ں  دراز  دور 

� دوران   � او�ت   � �

� ��  ��� •�   ��  �� در�    � �� •

ا�ادى   �� ا�و�  دو�ں  وا�   �� و�ل  اور  وا�   ��  � • ر� �  �  �  � �ز �   �� آن   � ز���دہ   �   ��� �� رو�    � �� 5 � �ر 

Waiting Time for Branch Services16

• After issuance of Token• On ‘First Come First Serve’ basis at Branches where Token Machine is not installed• Senior Citizen and Handicapped persons are given priority services

�ت  � ا�ر    ��  � �و�  �ا� 10 minutes � ١٠

�  � ا�ا   �  �� • � �د  �

���  �   �

���  �   �

�آ�  � و�ں    � �

��  �   ��� �

���

 ��   �� �ا�ں   � •� ��  �� دى  ��ت  ا�اد � �������  �ور  اور  • �رگ 

��  �� � �� �� �ل  �رت   � ا�و�  • ��دہ 

�  � ��ر�  �  �� ��ل  در�ا� 

�  �  � ا�و�    �� �رت   � ا�و�   � •�  �  �� ��ل    �� �ا�  �� در�ا�  �رت   � ا�و�  • ��دہ 

�  �  � ا�و�    �� �رت   � ا�و�   � •�  �  �� ��ل  در�ا�    �� �رت   � ا�و�  • ��دہ 

�  �  � ا�و�    �� �رت   � ا�و�   � • �  �  �� ��ل  در�ا�    �� �رت   � ا�و�  • ��دہ 

Service��

Conditions �ا�

��ت  � �

� �� �ل 

ا�اء  �   � �� ���ز ������ اور  ��ت  �ا�  �ؤ�/ �ز   

���Cash Counter/ Funds Transfer Services & Banker’s Cheque Issuance

Cheque Clearing Services

Home Remittance Services

Consumer Banking Services

General Banking Services

Turnaround Time (TAT) for Delivery of Servicesخدمات کی فراہمی کی معیاری مدت

��ر

�ت ���رى 

دن �رو�رى 

����� در���ن   � �ا�ں   � Intra-city Clearingا�رون 

����� در���ن   � �ا�ں   � �ون  � ��Inter-city Clearing

1 day ١ دن

1 day ١ دن

1 day ١ دن

3 day ٣ دن

2 day ٢ دن

NOTE:• Above TATs are applicable in normal circumstances.• TATs are applicable subject to meeting mentioned conditions.• TATs are applicable on individual requests/ transactions.• TATs in days will be counted from the next working day of the request received at Bank.

�ٹ:۔ � ��  ��  ��   �� ��ت  �ل   � ���ر   �� • �ر� 

۔ � ��  ��  ��   �� �رت   �  �� �را   � �ا�   �  � درج  �ر  �� •۔ � ��  ��  ��  �   � د��   � در�ا�/ �� ا�ادى  �ف  • ���ر 

�۔  ��  � ��  � دن  �رو�رى  ا�   �  �� ��ل  در�ا�   �  �� �� �ر   � د�ں   � �ت  • ���رى 

-

• Received within Banking Hours• Currency Notes are in order in case of Cash Deposit• Cheque is in order in case of Cash Withdrawal• Account has adequate balance, incase of Cash Withdrawal• For transactions under Rs. 500,000

15 • For individual applicationsBanker’s Cheque Issuance ا�اء  �   � �� ���ز ������ 10 minutes � ١٠

�• ا�ادى در�ا�ں ��

• For approval subject to submission of complete documentation, meeting Bank's criteria & approval by competent authority.

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