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21 Islamic Accounts

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Comparison point ISLAMIC CURRENT ACCOUNT BAKHT ISLAMIC CURRENT ACCOUNT ASAAN ISLAMIC CURRENT ACCOUNT BASIC ISLAMIC BANKING ACCOUNT ZTBL Current Account Basic Banking Account ZTBL Asaan Current Account ZTBL Bakht Current Account ZTBL Pension Current Account ZARAI ISLAMIC TRACTOR FINANCING ZARAI ISLAMIC 3 WHEELER LOADER RICKSHAW FINANCING ZARAI ISLAMIC RICE-TRANSPLANTER FINANCING ZARAI ISLAMIC MILK CHILLING UNIT FINANCING ISLAMIC SOLAR ENERGY SYSTEM & BIO GAS FINANCING ZARAI ISLAMIC DAIRY VALUE CHAIN FINANCING FOR ESTABLISHMENT OF AGRI TOURIST OUTLET & ORCHARDS ZARAI ISLAMIC TROUT FISH FINANCING ZARAI ISLAMIC LIVE STOCK FOR MEAT FINANCING ZARAI ISLAMIC YAK FARMING FINANCING ZARAI ISLAMIC KHAWATEEN ROZGAR SCHEME ISLAMIC SAVING ACCOUNT BAKHT ISLAMIC SAVING ACCOUNT ISLAMIC BUSINESS DEPOSIT ACCOUNT ISLAMIC ASAAN SAVING ACCOUNT PLS Savings Account Business Deposit Account (Special Deposit A/C) Rozana Bachat Account ZTBL Little Savers Club ZTBL Asaan Savings Account ZTBL Senior Citizen’s Account (ZSCA) ZTBL Bakht Savings Account Shandar Mahana Amdani Account (ZSMAA) ZTBL Pension Savings Account ISLAMIC TERM DEPOSIT CERTIFICATES ZARAI AMADANI CERTIFICATES Term Deposit Receipts (TDR) Zarai Munafa Term Deposit Certificate (ZMTDC) Mustaqbil Mehfooz Account Zarai Term Deposit Certificate (ZTDC)
Target customers / eligibility
  • Individuals 18 years & older as well as minors under guardianship.
  • Sole Proprietorships
  • Partnerships.
  • Companies.
  • Clubs / Societies / Associations / Trusts.
    • Only Individuals can open these accounts in Pak Rupee as single or joint accounts.
    • Only Individuals can open these accounts in Pak Rupee as single or joint accounts.
    • Individuals and businesses
    • Pakistani nationals and business entities
    • Individuals seeking basic banking
    • Unbanked/underbanked Pakistani nationals
    • CNIC only - simplified documentation
    • Pakistani nationals only
    • Women customers - all segments of society
    • PKR accounts only
    • Retired / pension-receiving individuals
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • All new as well as old creditworthy farmers, are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • Only Women Farmers are eligible to apply financing under the scheme
    • Pass Book/Fard Jamabandi etc.
    • Valid copy of CNIC
    • Clear e-CIB report from SBP
    • Any other criteria as per Bank or SBP requirement
    • Individuals 18 years & old as well as minors under guardianship.
    • Sole Proprietorships.
    • Partnerships.
    • Companies.
    • Clubs / Societies / Associations / Trusts.
      • Individuals 18 years & old as well as minors under guardianship.
      • Sole Proprietorships.
      • Partnerships.
      • Companies.
      • Clubs / Societies / Associations / Trusts.
      • Only individuals can open these accounts in Pak Rupee as single or joint accounts.
      • Individuals and businesses seeking returns on deposits
      • Businesses and sole proprietors
      • Debit card available to sole proprietors only
      • Individuals, sole proprietors and business entities.
      • ZTBL borrowers eligible for special Agri Loan benefit
      • Minors below 18 years of age
      • Account operated by parent / guardian
      • Unbanked/underbanked Pakistani nationals
      • CNIC only - simplified documentation
      • Pakistani nationals only
      • Individuals aged 60 years and above
      • Joint accounts permitted if at least one holder is 60+; other holders must be 18+ (relationship to be stated)
      • PKR currency only
      • Women customers - all segments of society
      • PKR accounts only
      • Individuals and entities seeking monthly income from savings
      • Retired individuals
      • Target Customers : Females and farmer community
      • Target Customers : Females and farmer community
      • Customers who can commit savings for a fixed period
      • ZTBL bank employees and their relatives only
      • Customers seeking short-term fixed deposits
      • Long-term investors
      • ZTBL borrowers eligible for Agri Loan benefit
      Minimum deposit / opening balance
      • The minimum initial deposit will be Rs. 500.
      • Account will be opened in PKR.
      • No Minimum Balance required
      • Minimum initial deposit of Rs. 100
      • No minimum balance requirement on these accounts.
      • The minimum initial deposit will be Rs. 1000.
      • Account will be opened in PKR.
      • No limit on the minimum balance. In cases, where the balance in BBA remains ‘nil’ for a continuous six-month period, such accounts will be closed.
      • Initial deposit: PKR 200
      • Non-remunerative (rupee-based, no profit paid)
      • Minimum initial balance: PKR 1,000
      • Non-remunerative account
      • Initial deposit: PKR 100
      • No minimum balance required
      • Max. credit balance: PKR 1,000,000 | Monthly debit limit: PKR 1,000,000
      • No minimum balance required
      • Account opened with PKR 1,000
      • No minimum balance thereafter
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 0.5Million
      • Equity contribution 10%
      • Maximum financing limit 4.6Million
      • Equity contribution 10%
      • Maximum financing limit 1.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 1.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Equity contribution 10%
      • Maximum financing limit 2.5Million
      • Minimum initial deposit shall be Rs. 500.
      • Account will be opened in PKR.
      • Minimum balance charges are not applicable.
      • No Minimum Balance required 
      • Minimum balance charges are not applicable
      • The minimum initial deposit will be Rs. 1000.
      • Account will be opened in PKR.
      • Minimum initial deposit of Rs. 100
      • No minimum balance requirement on these accounts.
      • No minimum deposit required
      • Initial deposit: PKR 10,000
      • Initial deposit: PKR 10,000
      • Minimum daily balance of PKR 20,000 must be maintained throughout the quarter for profit to be paid
      • Initial deposit: PKR 1,000
      • Initial deposit: PKR 100
      • No minimum balance required
      • Max. credit balance: PKR 1,000,000 | Monthly debit limit: PKR 1,000,000
      • Minimum balance: PKR 1,000 (no upper cap)
      • No minimum balance required
      • Minimum opening balance: PKR 1,000
      • Account opened with PKR 1,000
      • No minimum balance thereafter
      • Account will be opened in PKR.
      • The minimum investment required is PKR 10,000 & Rs. 2,500,000 for Islamic Special TDR
      • Acceptable Currency :PKR
      • Minimum Investment Amount :PKR 10,000/-
      • Minimum: PKR 1,000
      • Initial deposit: PKR 100,000
      • Minimum deposit: PKR 50,000
      • Minimum investment: PKR 200,000 (for Agri Loan fee waiver eligibility)
      Profit Payment
      • This account is based on Islamic principle of ‘Qard’.
      • The account will be non-remunerative.
      • This account is based on Islamic principle of ‘Qard’.
      • The account will be non-remunerative account
      • The relationship is based on the Islamic principle of Qard such that the Bank is the ’Borrower’ and the depositor is the ‘Lender’.
      • The account will be non-remunerative.
      • No profit paid
      • No profit paid
      • No profit - non-remunerative current account
      • No profit - non-remunerative current account
      • No profit - non-remunerative current account
      • The underlying principle of “Diminishing Musharakah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Diminishing Musharakah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Diminishing Musharakah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Diminishing Musharakah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Diminishing Musharakah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • The underlying principle of “Ijarah”
      • Profit rate of 18% or KIBOR +5% whichever is higher.
      • This account is based on Islamic principle of ‘Mudarabah’.
      • Profit will be calculated on the average daily balance (daily product) and disbursed on monthly basis.
      • This account is based on Islamic principle of ‘Mudarabah’.
      • 100 bps profit over and above the prevailing Saving Indicative rates.
      • Profit will be calculated as daily average balance and disbursed on monthly basis.
      • This account is based on Islamic principle of ‘Mudarabah’.
      • Profit shall be credited to the account monthly basis.
      • The relationship between the Bank and customers shall be based on the principles of Mudarabah, where the Bank shall be Mudarib and customers shall be Rab-ul-Maal. Further, the relationship is based on an unrestricted Mudarabah arrangement.
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on average monthly balance
      • Profit credited half-yearly
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on daily product basis
      • Profit credited half-yearly
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on daily product basis
      • Profit credited quarterly
      • Profit NOT paid if balance falls below PKR 20,000 on even one day in the quarter
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on daily product basis
      • Profit credited quarterly (after deducting applicable taxes, levies, Zakat, charges)
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit credited half-yearly
      • Preferential profit rates (above standard rates)
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on daily product basis
      • Profit credited monthly
      • Preferential profit rates (above prevailing rates)
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit paid monthly
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on daily day-end balance
      • Profit credited monthly (1st week of each month)
      • Preferential profit rates (above prevailing rates)
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit calculated on average monthly balance
      • Profit paid monthly
      • Profit payment options are Monthly, quarterly, half-yearly, at maturity as per calendar year.
      • Profit payment is made to the investor’s designated account (checking account) in ZTBL-IBD as per terms opted by the customer.
      • Profit will be calculated as the average daily balance (daily product) and distribution will be made as per terms of ITDR.
      • Accrual will be made every month and disbursement will be made as per the terms of ITDR.
      • Profit Calculation Basis :Average Daily Balance
      • Periodicity of Profit Distribution :Monthly/Quarterly/Maturity Basis
      • Other Salient Features: i) Competitive Profit ii) Separate Monthly Weightages
      • Higher profit rates than regular savings
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      • Profit paid in lump sum at maturity
      • Profit rates as per indicative rate sheet
      • Profit rate linked to MPC - refer to rate sheet for latest rates
      Features & benefits The Principal amount is guaranteed.Unlimited deposits and withdrawals are permissible.Zakat deductions are not applicable.Minimum balance charges are not applicable. Free 50 leaves checkbook on maintaining an average balance of PKR 100,000Free basic ATM Card will be issued upon maintaining an average of PKR 200,000Free Locker Facility upon maintaining an average balance of PKR 500,000100% Discount on Locker Issuance feeFree Duplicate Account StatementThe Principal amount is guaranteed.Unlimited deposits and withdrawals are permissible.Zakat deduction is not applicable.Minimum balance charges are not applicable No service charges are recovered by the bank at the time of opening and closing of an account. No fee for maintaining BBA.Statement of Account will be issued once a year free of charge. Free cheque book (50 leaves/quarter) on avg. quarterly balance >= PKR 50,000Free Silver ATM/Debit Card issuance on avg. quarterly balance >= PKR 100,000 (annual charges apply for the subsequent years).Free small locker on avg. quarterly balance >= PKR 500,000.Free medium/large locker on avg. quarterly balance >= PKR 1,000,000 (subject to availability).Free SMS alerts for all transactions.Free Clearing charges within city; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)Exclusive merchant deals & discounts via ZTBL PayPak Loyalty ProgramWith ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. 2 free deposits and 2 free cheque withdrawals per monthATM card available (annual issuance/renewal fee per SOBC) No account opening or closing chargesReal-time SMS alerts on every transactionFree Clearing charges within city.; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)Exclusive merchant deals via ZTBL PayPak Loyalty ProgramWith ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Free 1st cheque book (10 leaves)Free 50-leaf cheque book on avg. monthly balance >= PKR 50,000Free Basic ATM Card on avg. monthly balance >= PKR 100,000Free locker facility on avg. monthly balance >= PKR 200,000100% discount on locker issuance feesFree bank certificate for visa purposesFree duplicate account statement100% discount on ZTBL Agri Loan Application Fee (LAF)Free Clearing charges within city; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Unlimited withdrawals and deposits.Free PayPak Debit Card (1st year only) on avg. quarterly balance >= PKR 50,000.5%-50% exclusive discounts on healthcare services via ZTBL Debit Card.PKR 100,000 insurance (natural & accidental death) via PayPak Loyalty Program.Free SMS alerts on all ADC transactions.Free Clearing charges within city.; free online cash deposit.With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Half yearly instalments Half yearly instalments Half yearly instalments Quarterly instalments Half yearly instalments Half yearly instalments Yearly instalments Yearly instalments Half yearly instalments Half yearly instalments Half yearly instalments Funds will be invested in Shariah Compliant Assets. Unlimited deposits and withdrawals are permissible.Free 50 leaves checkbook on maintaining an average balance of PKR 100,000Free basic ATM Card will be issued upon maintaining an average of PKR 200,000Free Locker Facility upon maintaining an average balance of PKR 500,000100% Discount on Locker Issuance feeFree Duplicate Account StatementFunds will be invested in Shariah Compliant Assets. Unlimited deposits and withdrawals are permissible.Free checkbook as per schedule of charges. No service charges are recovered by the bank at the time of opening and closing of an account. Free Clearing charges within city.; free online cash transactionsPayPak Debit Card: PKR 100,000 insurance (natural & accidental death)Exclusive merchant deals via ZTBL PayPak Loyalty ProgramFree SMS alerts on all ADC transactionsWith ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. No limit on withdrawalsFree Clearing charges within city.; free online cash deposit.PayPak Debit Card (sole proprietors): PKR 100,000 insurance (natural & accidental death)Exclusive merchant deals via ZTBL PayPak Loyalty ProgramFree SMS alerts on all ADC transactionsWith ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. No limit on withdrawals2 free DDs/POs per month on avg. balance >= PKR 200,000ZTBL borrowers maintaining >= PKR 200,000 for >= 6 months: eligible for Agri Loans without Loan Appraisal FeeFree Clearing charges within city; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Free 1st cheque bookBirthday surprises communicated via SMSFree Kids-Centric PayPak Debit Card (1st year only) on avg. quarterly balance >= PKR 500,000 (charges per SOBC from year 2)5%-50% discounts on fast food, toys, gifts, educational supplies & stationeryFree SMS alerts on all ADC transactionsFree online cash deposit.With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. No account opening or closing chargesReal-time SMS alerts on every transactionFree Clearing charges within city.; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)Exclusive merchant deals via ZTBL PayPak Loyalty ProgramWith ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Priority banking facility over the counterFree 1st cheque book (25 leaves)Up to 20% reduction on annual locker rent - small & medium lockers (subject to availability)Free PayPak Debit Card (1st year only) on avg. balance >= PKR 500,000 for 3 months5%-50% discounts on healthcare services via ZTBL Debit Card merchantsPKR 100,000 insurance (natural & accidental death) via PayPak Loyalty ProgramFree Clearing charges within city.; free online cash deposit.With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Free 50-leaf cheque book on avg. monthly balance >= PKR 100,000Free Basic ATM Card on avg. monthly balance >= PKR 200,000Free locker facility on avg. monthly balance >= PKR 500,000100% discount on locker issuance feesFree bank certificate for visa purposesFree duplicate account statement100% discount on ZTBL Agri Loan Application Fee (LAF)Free Clearing charges within city.; free online cash deposit.PayPak Debit Card: PKR 100,000 insurance (natural & accidental death)With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Free PayPak Debit Card (1st year only) on avg. balance >= PKR 500,000 for 3 monthsPKR 100,000 insurance (natural & accidental death) via PayPak Loyalty ProgramExclusive merchant deals via ZTBL PayPak Loyalty ProgramFree SMS alerts on all ADC transactionsFree Clearing charges within city.; free online cash deposit.With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. No fee or service charges for maintaining accountUnlimited withdrawals and depositsFree PayPak Debit Card (1st year only) on avg. balance >= PKR 500,000 for 3 months5%-50% discounts on healthcare services via ZTBL Debit Card merchantsPKR 100,000 insurance (natural & accidental death) via PayPak Loyalty ProgramFree Clearing charges within city.; free online cash deposit.With ZTBL Debit Card, Free Mobile App & I-Net Banking: Fund transfers, bill payments, mobile top-up, account statement 24/7. Investments can be made for 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. Type of Product :Savings Certificate Fixed-period commitment earns higher returnsAuto-rollover option available (must be requested before maturity) Exclusive scheme for bank staff and their familiesCompetitive lump-sum profit at maturity Short-term fixed-return investment with competitive rates Investors maintaining >= PKR 200,000 for >= 6 months eligible for Agri Loan without Loan Appraisal FeeLong-term fixed-return product
      Tenure / maturity Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable
      • Tenor 08 years
      • Tenor 05 years
      • Tenor 05 years
      • Tenor 05 years
      • Tenor 10 years for Solar & 05 Years for Bio Gas
      • Tenor 05 years
      • Tenor 05 years
      • Tenor 05 years
      • Tenor 05 Years
      • Tenor 05 years
      • Tenor 10 Years
      		 Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable
      • Investments can be made for 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years.
      • Tenor :Min: 3 Years Max: 5 years
      • Minimum holding period: 1 month
      • Fixed tenure: 1 year
      • 3 months or 6 months (fixed)
      • 3-year fixed investment
      Supplementary instructions
      • Other service charges (if any) will be applicable as per the approved schedule of charges.
      • Other service charges (if any) will be applicable as per approved schedule of charges.
      • Bank will only charge a reasonable and market competitive fee on providing banking services to Assan account holders; however, the charges/fee should be kept at a minimum level keeping in view the instructions of SBP regarding service charges and responsible pricing issued from time to time.
      • Guidelines of SBP issued vide BPRD Circular No. 11 of 2015 shall be followed or any amendment thereof
      • Other service charges (if any) will be applicable as per the approved schedule of charges.
      • Unlimited transactions
      • Charges apply per SBP instructions and SOBC
      • 2 free withdrawals/month; additional transactions charged per SOBC
      • Account closed if balance is nil for a continuous 6-month period
      • No specific restrictions: charges apply per SBP instructions
      • No stated restrictions
      • Taxes and levies applied per Government rules
      • Unlimited withdrawals and deposits
      • Charges applied per regulator (SBP) instructions
                            • Withholding Tax and Zakat deductions are applicable as per legal and regulatory requirements.
                            • Other service charges (if any) will be applicable as per the approved schedule of charges.
                            • Withholding Tax and Zakat deductions are applicable as per legal and regulatory requirement.
                            • Other service charges (if any) will be applicable as per approved schedule of charges.
                            • WHT & Zakat are applicable as per legal and regulatory requirements.
                            • Other service charges (if any) will be applicable as per the approved schedule of charges.
                            • Bank will only charge a reasonable and market-competitive fee for providing banking services to Assan account holders. however, the charges/fee should be kept at a minimum level keeping in view the instructions of SBP regarding service charges and responsible pricing issued from time to time.
                            • Guidelines of the SBP issued vide BPRD Circular No. 11 of 2015 shall be followed or any amendment thereof.
                            • No stated withdrawal restrictions
                            • Charges apply per SBP instructions and SOBC
                            • No withdrawal limit
                            • Charges apply per SBP instructions and SOBC
                            • No withdrawal limit
                            • Balance must not fall below PKR 20,000 on any day in the quarter for profit eligibility
                            • Charges apply per SBP instructions and SOBC
                            • Operated by parent/guardian
                            • Charges apply per SBP instructions and SOBC
                            • Charges apply per SBP instructions and SOBC
                            • Un-remunerative charges applied per SBP instructions
                            • Charges apply per SBP instructions and SOBC
                            • Zakat and income tax deducted per Government rules
                            • Charges apply per SBP instructions and SOBC
                            • Unlimited withdrawals and deposits
                            • All relevant taxes/Zakat deducted per policy
                            • Premature encashment shall be made as per mentioned premature encashment criteria.
                            • Withholding Tax and Zakat deductions are applicable as per the rules.
                            • Premature encashment shall be made as per mentioned premature encashment criteria.
                            • Withholding Tax and Zakat deductions are applicable as per the rules.
                            • PLS Savings Account rate applied on premature encashment
                            • PLS Savings Account rate applied after maturity if not renewed
                            • Funds transferred to TDR Matured Account if rollover not requested in time
                            • Premature profit rates apply as per indicative rates
                            • PLS Savings Account rate applied after maturity
                            • Premature profit rates apply per indicative rates
                            • PLS Savings Account rate applied after maturity
                            • Terms and conditions apply - refer to branch for details
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                            • Headquarter: 1 Faisal Ave, Near Zero Point Interchange, G-7/1, Islamabad Capital Territory, P.O Box 1400.
                            • UAN: 051- 111-30-30-30
                            • Tel:(051) 9252805
                            • *For Pakistan, ZTBL calls its customers from 051-7080500 & 051-7080501
                            • Customer verification for visa/ immigration purpose
                            • Email: head.bod@ztbl.com.pk
                            • Email: contactus@ztbl.com.pk
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                            ZARAI TARAQIATI BANK LIMITED (ZTBL) is licensed and regulated by the State Bank of Pakistan