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
Page 02
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
c. Late Payment Penalty
d. Prepayment Charges
Up to 60 months
Up to 2% of the loan amount
Rs. 20/‐ per day up to 90 days
5% of the outstanding principal 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 2% of the loan amount
Up to 2% of the loan amount
Up to 1.5% or Rs. 600/‐whichever is higher
5% of outstanding principal amount
Rs. 20/‐ per day up to 90 days
Rs. 200/‐
Rs. 300/‐
Rs. 300/‐
Rs. 50/‐
4. Sarmaya Qarza
a. Tenure
b. Processing Fee
c. Late Payment Penalty
d. Prepayment Charges
Up to 36 months
Up to 2% of the loan amount or Rs. 1,000/‐ whichever is lower
Rs. 20/‐ per day up to 90 days
5% of the outstanding principal amount
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
d. Late Payment Penalty
e. Prepayment Charges
Up to 36 months
Up to 2% of the approved limit
Up to 2% of the approved limit
Rs. 20/‐ per day up to 90 days
N/A
8. Gold Card
a. Tenure
b. Processing Fee
c. Late Payment Penalty
Up to 24 months
Up to 2% of the loan amount
Rs. 20/‐ per day up to 90 days
9. Alternate Energy ‐ Solar System
a. Tenure
b. Processing Fee
c. Late Payment Penalty
Up to 12 months
Up to 2.5% of the loan amount or Rs. 500/‐ whichever is higher
Rs. 20/‐ per day up to 90 days
10. Agricultural Group Loan
a. Tenure
b. Processing Fee
c. Animal Insurance charges
d. Late Payment Penalty
Up to 24 months
Up to 2.5% of the loan amount or Rs. 500/‐ whichever is higher
3% of the animal worth
Rs. 20/‐ per day up to 90 days
6. Dairy Animal Financing (Cows / Buffaloes)
Page 03
a. Tenure
b. Processing Fee
c. Late Payment Penalty
d. Prepayment Charges
Up to 36 months
Rs. 500 per loan
Rs. 20/‐ per day up to 90 days
5% of the outstanding principal amount
5. Group Loan
Schedule of Bank Charges (July ‐ Dec 2017)
Page 04
a. Tenure ‐ Bullet ‐ Running Finance
‐ EMI
b. Processing Fee
c. Late Payment Penalty
d. Prepayment Charges
Up to 1 year 3 years line
Up to 60 months (as per product)
Up to 2% or Rs. 5,000/‐whichever is lower
Rs. 20/‐ per day up to 90 days
5% of the outstanding principal amount
12. Microenterprise Lending
a. Tenure
b. Processing Fee
c. Late Payment Penalty
d. Intra‐day Charges
e. Prepayment Charges
1 year renewable Credit Line
Up to 4% of Credit Line
Rs. 20/‐ per day up to 90 days
Nil
Nil
13. Agent Financing
a. Tenure
b. Processing Fee
c. Late Payment Penalty
1 Year Credit Line
Nil
Nil
14. Easypaisa Loan ‐ Secured
a. Tenure
b. Processing Fee
c. Late Payment Penalty
Upto 1 Year
Nil
Nil
15. Easypaisa Loan ‐ Unsecured
a. Tenure
b. Processing Fee
c. Late Payment Penalty
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
11. Private School Financing
Schedule of Bank Charges (July ‐ Dec 2017)
Page 05
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)
Rs. 100/‐ (plus cheque book & ATMcharges)
Nil
1. Non‐Clearing Accounts
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
e. Low Balance Charges on PLS Saving
Rs. 100/‐ (plus cheque book & ATMcharges)
Rs. 1/‐ (plus cheque book)
Rs. 100/‐ (plus cheque book & ATMcharges)
Nil
Nil
2. Clearing Accounts
a. Minimum Balance to open Current Account
Rs. 100/‐ (plus cheque book & ATMcharges)
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
Rs. 100/‐ 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)
Rs. 300/‐ per cheque
4. Collection & Clearing:
Schedule of Bank Charges (July ‐ Dec 2017)
Page 06
a. Issuance ‐ For Account Holder
‐ For Non‐Account Holder
b. Cancellation Charges
‐ For Account Holder
‐ For Non‐Account Holder
C. Duplicate Issuance
‐ For Account Holder
‐ For Non‐Account Holder
Rs. 50/‐ Per Pay Order
Rs. 100/‐ Per Pay Order
Rs. 50/‐ Per Pay Order
Rs. 100/‐ Per Pay Order
Rs. 50/‐ Per Pay Order
Rs. 100/‐ 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
Schedule of Bank Charges (July ‐ Dec 2017)
Page 07
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
Schedule of Bank Charges (July ‐ Dec 2017)
Page 08
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:
Schedule of Bank Charges (July ‐ Dec 2017)
Top Related