july ‐ december 2017 · rs. 20/‐ per day up to 90 days 5% of the outstanding principal amount...

Schedule of Bank ChargesJuly ‐ December 2017

Formerly Tameer Microfinance Bank Ltd

Schedule of Bank Charges (July ‐ Dec 2017) Page 01

Particulars Page No.

Loans

1. Karobar Loan

2. Home Loan

3. Salary Loan

4. Sarmaya Qarza

5. Group Loan

6. Dairy Animal Financing (Cows / Buffaloes)

7. Livestock Financing

8. Gold Card

9. Alternate Energy ‐ Solar System

10. Agriculture Group Loan

11. Private School Financing

12. Microenterprise Lending

13. Agent Financing

14. Easypaisa Loan ‐ Secured

15. Easypaisa Loan ‐ Unsecured

2

2

2

2

3

3

3

3

3

3

4

4

4

4

4

Deposits

1. Non‐Clearing Accounts

2. Clearing Accounts

3. Basic Banking Account (Without Cheque Book)

4. Collection & Clearing

5. Pay Order

6. Funds Transfer

7. ATM Charges

8. Agents / Merchants

9. APM Business

10. Pay Card

11. Miscellaneous

12. Cheque Book Charges

13. Non‐Clearing Accounts Cheque Book Charges

14. Real Time Gross Settlement Fee

15. Health Insurance Fee

5

5

5

5

6

6

6

7

7

7

7

8

8

8

8

Loans

a. Tenure

b. Processing Fee (For Fresh & Repeat)

c. Late Payment Penalty

d. Prepayment Charges

Up to 24 months

Up to 2.5% of the loan amount or Rs. 500/‐ whichever is higher

Rs. 20/‐ per day up to 90 days

5% of the outstanding principal amount

1. Karobar Loan

a. Tenure

b. Processing Fee



Up to 60 months

Up to 2% of the loan amount



2. Home Loan

a. Tenure ‐ Bullet Loans ‐ EMI Loans

b. Processing Fee

‐ For Fresh

‐ For Rollover

‐ For Repeat

c. Prepayment Charges (for EMI Loans only)

d. Late Payment Penalty

e. Fee on loss of delivery letter

f. Collateral Return Charges (from Non‐Home Branch)

g. Handling of Authority Letter (where applicable)

h. Daily Collateral Custodial Charges beyond 10 days (where applicable)

Up to 12 months Up to 36 months



Up to 1.5% or Rs. 600/‐whichever is higher

5% of outstanding principal amount


Rs. 200/‐

Rs. 300/‐

Rs. 300/‐

Rs. 50/‐

4. Sarmaya Qarza

a. Tenure

b. Processing Fee



Up to 36 months

Up to 2% of the loan amount or Rs. 1,000/‐ whichever is lower



3. Salary Loan

Schedule of Bank Charges (July ‐ Dec 2017)

a. Tenure

b. Processing Fee

c. Animal Insurance charges

d. Vet Charges

e. Late Payment Penalty

Up to 12 months

2.0% of the loan amount or Rs. 500/‐ whichever is higher

3.5% of the loan amount

Rs. 150 per animal

Rs 20/‐ per day up to 90 days

7. Livestock Financing (Goats / Sheep)

a. Tenure

b. Processing Fee (For Fresh Loan)

c. Line Renewal Fee


e. Prepayment Charges

Up to 36 months

Up to 2% of the approved limit

Up to 2% of the approved limit


N/A

8. Gold Card

a. Tenure

b. Processing Fee


Up to 24 months



9. Alternate Energy ‐ Solar System

a. Tenure

b. Processing Fee


Up to 12 months



10. Agricultural Group Loan

a. Tenure

b. Processing Fee

c. Animal Insurance charges


Up to 24 months


3% of the animal worth


6. Dairy Animal Financing (Cows / Buffaloes)

Page 03

a. Tenure

b. Processing Fee



Up to 36 months

Rs. 500 per loan



5. Group Loan


a. Tenure ‐ Bullet ‐ Running Finance

‐ EMI

b. Processing Fee



Up to 1 year 3 years line

Up to 60 months (as per product)

Up to 2% or Rs. 5,000/‐whichever is lower



12. Microenterprise Lending

a. Tenure

b. Processing Fee


d. Intra‐day Charges

e. Prepayment Charges

1 year renewable Credit Line

Up to 4% of Credit Line


Nil

Nil

13. Agent Financing

a. Tenure

b. Processing Fee


1 Year Credit Line

Nil

Nil

14. Easypaisa Loan ‐ Secured

a. Tenure

b. Processing Fee


Upto 1 Year

Nil

Nil

15. Easypaisa Loan ‐ Unsecured

a. Tenure

b. Processing Fee


Up to 24 months



11. Private School Financing


Deposits

a. Minimum Balance to open Current Account

b. Minimum Balance to open Asaan Account

c. Minimum Balance to open PLS Account

d. Minimum Balance for Profit on PLS Account

Rs. 100/‐ (plus cheque book & ATMcharges)

Rs. 1/‐ (plus cheque book)


Nil

1. Non‐Clearing Accounts


b. Minimum Balance to open Asaan Account

c. Minimum Balance to open PLS Account

d. Minimum Balance for Profit on PLS Account

e. Low Balance Charges on PLS Saving


Rs. 1/‐ (plus cheque book)


Nil

Nil

2. Clearing Accounts



3. Basic Banking Account (Without Cheque Book):

a. OBC Collection (Cheque)

b. OBC Return

c. Cheque Return Charges ‐ Inward Clearing

d. Cheque Return Charges ‐ Outward Clearing

e. Intercity Clearing

f. Intercity Clearing Return Charges

g. Same Day Clearing

h. Same Day Clearing Return

Rs. 250/‐ (postage and actual DD chargescharged by the drawee bank)

Rs. 250/‐ per cheque


Nil

Rs. 250/‐ per instrument(plus corresponding bank charges)

Rs. 200/‐ per instrument(plus corresponding bank charges)

Rs. 300/‐ per cheque(plus corresponding bank charges)


4. Collection & Clearing:


a. Issuance ‐ For Account Holder

‐ For Non‐Account Holder

b. Cancellation Charges

‐ For Account Holder


C. Duplicate Issuance

‐ For Account Holder


Rs. 50/‐ Per Pay Order






5. Pay Order

a. Use of ATM (For TMFB Customers)

b. ATM Card Replacement fee (For Group Loans)

c. Withdrawal (TMFB Customer ‐ 1 Link/M‐Net Switch)

d. Balance Inquiry (TMFB Customer ‐ 1 Link Switch)

e. Balance Inquiry (TMFB Customer ‐ M‐Net Switch)

f. Balance Inquiry (TMFB Customer ‐ TMFB ATM)

g. Fee on Issuance of ATM Cards will be charged as per the following schedule:

Free

Rs. 100/‐ per card

Rs. 15/‐ per transaction(charged by other banks)

Free

Rs. 5/‐ per transaction(charged by other banks)

Free

7. ATM Charges

PRODUCT FEES Per Card

without FED

Withdrawal

Limits

IBFT

Limits

Purchase Expiry

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 25,000 500,000 200,000 3 Years

Paypak Silver Card 300 75,000 500,000 100,000 3 Years

a. Fund Transfer b/w Own Branches (intercity)

b. IBFT Charges (Per Counter Transaction)

c. Cross Bank Deposit

d. Online Banking Charges

‐ Cash Deposit (all TMFB branches)

‐ Cash Withdrawals (all TMFB branches)

Free

Rs. 60/‐

Rs. 100/‐ per transaction

Free

Free

6. Funds Transfer


a. Cash withdrawal APM Location

b. Cash withdrawal at door step

c. Cash to IBFT at APM Location

Rs. 15/‐ plus FED

Rs. 30/‐ plus FED

Rs. 100/‐ plus FED

9. APM Business

a. Funds Transfer to Pay Card

b. Pay Card Issuance Fee

c. Replacement of Pay Card Fee

d. Supplementary Pay Card Fee

e. Prepaid Card Issuance Fee

Rs. 10/‐ plus FED

Up to Rs. 100/‐

Rs. 150/‐

Rs. 200/‐

Rs. 100/‐

10. Pay Card

a. Merchant Discount Rate Up to 1.3% + FED

8. Agents / Merchants

a. Stop Payment Charges

b. Stop Payment of Cheque Book List

c. Current Account Closure Charges

d. PLS Account Closure Charges

e. Certificate Issuance Charges

f. Statement of Account

g. Duplicate Statement of Account / Advice Charges

h. Corporate Salary Disbursement

i. Copy of Paid Cheque (less than 6 months)

j. Copy of Paid Cheque (up to 1 year)

k. Copy of Paid Cheque (above 1 to 5 year)

l. Mailing Charges (Postage, Courier & Fax)

m.Confirmation of Balance to (3rd Party Auditors)

n. Dormant / Inoperative Account Reactivation Charges

o. Collateral Liquidation Charges

p. Legal Notice Charges

q. Safe Keeping of Cash in Holidays

Rs. 100/‐ per instrument

Rs 200/‐per instrument

Up to Rs. 150/‐ plus FED

Nil

Rs 100/‐

Rs. 35/‐ per statement

Rs. 35/‐ per statement

Rs. 10/‐ per transaction

Rs. 100/‐

Rs. 200/‐

Rs. 500/‐

Actual or Minimum Rs. 50/‐

Rs. 100/‐

Nil

Rs. 500/‐

Rs. 200 per notice

0.1% of the amount deposited per day

11. Miscellaneous


a. 25 Leaves

b. 50 Leaves

c. 100 Leaves

Rs. 150/‐

Rs. 300/‐

Rs. 600/‐

12. Cheque Book Charges

a. 05 Leaves(To be used only for PDCs)

b. 25 Leaves

Rs. 15/‐

Rs. 75/‐

13. Non‐Clearing A/C Cheque Book Charges

Time

a. From 0900am to 1245pm

b. From 1246pm to 1415pm

c. From 1416pm to 1515pm

Fee

Rs. 220/‐

Rs. 330/‐

Rs. 550/‐

14. Real Time Gross Settlement Fee

Corresponding with the insurance benefit (offered / chosen) as perinsurance contract with insurance company

15. Health Insurance Fee

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

Note:


july ‐ december 2017 · rs. 20/‐ per day up to 90 days 5% of the outstanding principal amount...

Documents