SOC English

Half Yearly
Schedule of Bank Charges

Effective 01.07.2022 to 31.12.2022
Opearations Group, Head Office Lahore
1/25
Sr.# DESCRIPTION
TRADE
A IMPORTS
B EXPORTS
C INLAND LETTER OF CREDIT
D MISCELLANEOUS CHARGES
E CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs
F REMITTANCES
FOREIGN CURRENCY (FCY)
LOCAL CURRENCY (LCY)
G BILLS
H ADVANCES
I STANDING INSTRUCTIONS FEE
J SALE AND PURCHASE OF SECURITIES / SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & SAFE DEPOSIT LOCKERS
K LOCKERS
L GUARANTEES
M MISCELLANEOUS CHARGES
N CHARGES FOR ATM/DEBIT MASTERCARD
O MOBILE BANKING CHARGES
P CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)
Q CHARGES FOR BOP MASTER CREDIT CARD
R BANK CHARGES FOR GOVERNMENT BUSINESS
S SONEY PE SUHAGA
T PERSONAL LOANS
U SMART ADVANCE CASH
V CONSUMER AUTO LEASE (CARGAR)
W BOP HUMRAHI
X SESEUY 1.0
Y APNA ROZGAR SCHEME
Z FLEET FINANCING
AA HOUSE LOANS
AB ASHIANA HOUSING FINANCE
AC BOP SHAMSI TAWANAI
AD MERA PAKISTAN MERA GHAR (LOW COST HOUSING)
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AE BOP FORI SAHULAT
AF BOP APNI DOKAN
AG BOP KAMYAB KAROBAR
AH BOP SUPPLY CHAIN FINANCE
AI KAMYAB JAWAN YOUTH ENTREPRENEURSHIP SCHEME (KJ-YES)
AJ PUNJAB ROZGAR SCHEME
AK BOP SME Asaan Finance (SAAF)
AL BOP ROSHAN DIGITAL ACCOUNT (RDA)
Features of Specialized Product/Deposit Schemes (Including Waivers/Concessions)
CONCESSIONAL CHARGES TO STAFF OF BOP
GENERAL NOTES
· Charges for Consumer Finance shall be as per policy and terms of the approved Scheme/PPM
· Bank reserves the right to change markup rates.
· Facilities under specialized products/deposit Schemes shall be applicable.
The Charges for making UC and other related instruments for payment of fee dues in favor of educational institutions, HEC/Boards etc. shal not exceed 0.50% of fee/dues or
·
Rs.25/- per instrument, whichever is less.
· No Service fees shall be charged from the student depositing the fee directly in the fee collection account of the educational institution
All types of government levies from time to time including FED, Provincial Taxes, DUTIES, Zakat, etc on customer account will be deducted in addition to the bank charges,
·
where applicable.
· All banking services are exempted from applicability of Provincial sales tax / FED in FATA/PATA and Gilgit-Baltistan.
In case of clients maintaining substantial deposit and/or routing handsome ancillary business, the bank reserves the right to waive some/all charges. Such waiver will be
·
approved by respective Business/Group Head or relevant committee.
· Charges are negotiable, as per approval terms
· In case of Govt/Treasury Collections, Rs. 15/- (inclusive of taxes) will be charged for printing of duplicate challan form; subject to availability of option by respective biller.
Service charges i.e. ATM/Debit Card renewal, SMS banking Service charges, Locker rent, account maintaining charges, etc. cannot be recovered from prohibited Accounts of
·
UNSC, OFAC (US) & 4the scheduled Persons/Entities (proscribed individuals/entities) freezed under advice of C&ICD.
3/25
SOC Effective from 01.07.2022 to 31.12.2022
Applicability of
Sr. # BANKING SERVICE GL CODE CHARGES
FED/PST
A IMPORTS
I- LETTER OF CREDIT COMMISSION
a) 0.5% per QTR Subsequent QTR 0.45% per QTR

1 Letter of Credit 102010204 Yes
Min Rs. 3000/-
L/C upto PKR 25 M against Lien on PKR Profit Bearing BOP Deposit/All
2 a) types of BOP FC Deposits 102010204 Commission @ 0.05% per qtr, min. Rs. 1000/- Yes
L/C up to PKR 25 M against 100 % Cash Margin or Lien on PKR Return LC of any amount if against 100% Cash Margin or return free deposits
2 b) 102010204 Yes
Free BOP Deposits then Rs. 1,000/- only.
NOTE:
In case the Letter of Credit liability increases due to exchange rate fluctuation, by virtue of providing forward cover to the customer, the above L/C
commission at a) is also to be charged on enhanced amount. Further reduction in charges as above, needs relevant Business Head's approval.
As applicable for opening of fresh LCs, i.e. in item I (1 to 2)

3) Revalidation Commission 102010204 Commission will be charged on liability amount, calculated as per Yes
prevailing exchange rate on the date of revalidation
When beneficiary of the LC is changed at the request of the applicant,

4) Change of Beneficiary / Transfer of LC 102010204 commission is charged as applicable in case of fresh LC, as mentioned Yes
in item I (1 to 2) above
1% for 1st quarter and 0.30% for each subsequent quarter or part
5 a) Non reimbursable LC under Barter / Aid / Loans 102010204 Yes
thereof – Minimum Rs. 1000/-
LC or LG under “Suppliers/ Buyers Credit” Pay as You Earn Scheme 1. Commission @ Rs.0.50% per quarter or part thereof at the time of
And Deferred Payment LCs for Period over one year. opening of LC on full amount of LC/LG liability plus interest payable
thereon for the period from the date of opening of LC/LG till expiry.
Thereafter Commission to be recovered on six monthly basis on
outstanding / reducing liability as per Schedule of Charges in vogue.
In case forward cover is provided against LC/LG under suppliers/
102010204(LC) buyers Credit, LC/LG Commission shall be recovered at the booked
b) 102010203(LG) rate. Min. Rs.5000/-
Yes
2. In case LC not involving Usance bills, such as deferred payment LCs,

acceptance commission @ 0.30% per quarter is also to be recovered
for any period after the validity of LC at the time of payment of
installment even if the installment falls due after the expiry of the
Letter of Credit. Min Rs. 5000/-
Issuance of LG undertaking favoring any bank for providing forward Commission @0.5% per quarter to be charged on reducing liability on
c) exchange risk cover under supplier/ buyers Credit on behalf of 102010203 booked rate. Yes
applicant. Min. Rs.5000/-
If bills are to be drawn at a Usance under LCs other than “Pay As You
0.50 % per quarter Flat till the date of maturity of acceptance & no
6) Earn Scheme (PAYES)”, suppliers / buyers credit and deferred 102061065 Yes
commission will be charged for the overdue acceptance period.
payment LCs on yearly basis.
Amendments
7) i) Without increase in amount or extension in period of shipment / 102010204 Rs.1000/- per amendment (flat) plus SWIFT / Courier charges (if any). Yes
negotiation.
ii) Involving increase in amount and/or extension in period of Rs.500/- per transaction plus commission as per item 01 to 02 +
102010204 Yes
shipment / negotiation. SWIFT / Courier charges (if any) Min Rs. 1500/-
a) SIGHT BILLS
Markup on Import Bills under Letter of Credit.
1) If retired within 10 days from date of negotiation / remittance,
8) (Mark up is to be charged on Daily Product basis from the date of 101010803 No
Ps.44/ Rs.1000 per day or as per approval
negotiation till the date of payment /retirement of bill.)
2) If retired after 10 and within 20 days from date of negotiation /

remittance,
Ps.50/Rs.1000 per day.
3) If retired after 20 days from date of negotiation / remittance,
If the negotiating bank mentions the date of claim of reimbursement Ps.65/Rs.1000/day.
8) on its covering schedule / SWIFT message, mark up should be charged 101010803 No
from that date instead of date of negotiation ) b) USANCE BILLS
In case of Overdue Acceptances / Overdue Payments created due to
non-payment on maturity against Usance LCs/ Suppliers’ Credit / Pay
As You Earn Scheme / Deferred Payment LCs: As per sanction advice
otherwise Mark-up @ Ps.70/Rs. 1000/day.
4/25
Applicability of
FED/PST
101010805 &
8-a) Overdue FIM & FATR/FE 25 etc. 101010804 / As per sanctioned advice otherwise Ps. 70/Rs. 1000 per day No
101010813
Note:
a) Markup will be charged on import bill net of cash margin deposited with the branch before the date of negotiation till the retirement of the
bill. However, no markup will be charged if 100% cash margin is held.
b) Rate of mark-up is subject to change/or as approved by respective credit committee.
c) Even commission will be charged as per CA, minimim charges as per SOC are mandatory to be charged to the customer.
Further reduction in charges LCs/amendments and / or contract needs relevant Business Head's approval.
II- HANDLING CHARGES
US$ 65/- (Flat) from forwarding bank plus courier / SWIFT charges, if
9) Import Bills returned unpaid 102061065 Yes
any.
10) Collection 102060402 Rs.1400/- per collection Yes
0.20% Min. Rs.1,500/- (Flat), uptill 1 year and later on the

11) Fee for registration of contract CAD/DA Basis/Amendments 102010221 Yes
commission will be recovered again @ 0.20 %.
Rs.1,400/- Per Collection + service charges @0.12% (Minimum Yes

Import against advance payment to Suppliers/ Import against receipt
12) 102060402 Rs.1,200/-) +
of documents directly by the importers
telephone/Swift No
Service charges against import transactions i.e. import bills / PAD

13) 102060405 0.12% - Min Rs.1200/- Yes
collections
Endorsement of AWB for release of goods under registered contract/

14) 102060402 Rs.2000/- per collection Yes
collection (Bank to Bank Only)/LC.
15) LC / Contract Cancellation Charges 102061065 Rs.1500 + SWIFT/Courier charges (if any) Yes
16) Correspondent bank Charges N/A At actual + SWIFT/Courier charges (if any) or as negotiated by FID Yes
102061065
US$75/- flat (to be recovered from the presenting bank) this clause
must always be incorporated in the LC under the head “Other terms
17) Handling of discrepant import documents and conditions”, OR Yes
recover these charges from the Applicant's account instead of Foreign
102061065
Bank's proceeds.
Registration of Contract with SBP in respect of Private Foreign

18) Currency Loans obtained by borrowers in Pakistan from foreign 102010221 Handling Charges 0.20% - Min. Rs.5,000/- Yes
lenders.
Issuance of Certificate regarding opening of L/C Registration of
19) Contract to another bank for booking of forward exchange at 102061065 Flat Rs.1,000/- per application Yes
importer’s request
20) Issuance of Freight Certificate for Imports on FOB Basis. 102061065 Rs.1000/- Per certificate Yes
SBP Approval cases for remittances / import related transactions i.e.

21) 102061065 Rs.6,000/- Per SBP case Yes
Advance Payment , excess shipment etc.
EIF Approval on FOC basis (Open Account, FOC, under warranty claim
22) 102061033 Rs.2400/- per EIF Yes
or any other with similar nature)
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Applicability of
FED/PST
B- EXPORTS
Letters of Credit
i) If payable by beneficiary Rs.2,400/- (Flat)
Yes
+ applicable courier / swift
a) Advising 102010207 No
charges.
Yes
ii) If payable by applicant US $50/-
Rs. 1000/-(Flat) + Courier (if applicable)

b) Amendment Advising 102010207 Yes
Rs. 1800/- + Courier (if applicable) for Non-Customers
0.30% flat Minimum Rs. 100/- OR

c) Negotiation of Rupee Bills under Export LCs 101011004 Yes
1 subject to negotiation and approval from competent authority
Confirmation charges for both Foreign and Local banks to be

d) Confirmation 102010207 Yes
negotiated and approved by FID
e) Transfer of Export LCs 102010207 Rs.1,920/- Per LC Yes
f) Reimbursement payment to other local Banks from Non-Resident

102061065 Rs.1000/- Yes
Rupee A/C
If the documents are sent to other Banks for negotiation under

2 102061065 Rs.500/- Yes
restricted L/C
0.20% Min. Rs.1,500/- on realization with no documents handling

charges.
3 Charges on advance payment 102060405 Yes
Handling charges of PKR 1,200/- if we handle documents of other
banks.
4 Research & Development Surcharge/Handling charges 102060405 Rs.2000/- per case Yes
COLLECTIONS
a) Clean (against export proceeds). 102060405 Rs. 300/- per collection + Courier charges Yes
5
b) Documentary (on which banks do not earn any exchange 0.20 % Min Rs.450/- per collection or as per approval by respective
102060405 Yes
difference). business head
6 Handling of Duty Draw Back Claim/DL/TL 102060405 0.40% per claim minimum Rs. 600/- Yes
Service Charges against Export Documents sent on Collection Basis

7 102060405 0.20 % Min Rs. 1,500/- per collection Yes
Where payment cover is already received in our NOSTRO A/c
Note: Any charges for delayed repatriation of export proceeds levied by State Bank of Pakistan, will be recovered from the concerned client accordingly.
8 EXPORT REFINANCE
i) NOC for Export Refinance Entitlement(EE & EF) 102060405 Rs.1,800/- Flat per case Yes
ii) Preparation of Substitution case in ERF-Pre shipment 102060405 Rs.2,000/- Flat per case Yes
For LCY Financing:

Markup @ Ps. 55/1000 per day from due date till the adjustment or
1) Overdue Export Refinance
as per CA Package
iii) 2) FAFB/ FAPC Own Source 101010811 No
3) FE 25 etc
For FCY Financing under F.E 25:
LIBOR + 5% OR as per approved CA Package.
iv) Over due FDBP/IDBP (If not available in sanction advice) 101011004 Mark-up @ Ps. 55/1000 per day OR as per approved CA Package. No
6/25
Applicability of
FED/PST
C- INLAND LETTER OF CREDIT
1 Inland handling charges 102060405 Rs.1000/- flat Yes
Ps. 44 per Rs.1000/- per day for first 10 days. No

For next 10 days commission @ 0.30% + Yes
2 Forced PAD Inland Bills 101010803
Ps. 50 per Rs.1000/- per day & after 20 days Ps. 55 per Rs.1000/- per No
day will be applied till full & final adjustment. No
0.50% per quarter Min. Rs. 3,000/-

Discrepant document handling charges on inland LCs Rs. 5,000/- +
3 Inland Letters of Credit 102010204 Yes
FED/PST. LC of any amount if against 100% Cash Margin or return free
deposit then Rs. 1000/- only.
Rs.1000/- per transaction flat plus commission as above, if

4 Amendment Charges 102010204 Yes
amendment involves increase in amount or extension in period
5 Service Charges 102060405 0.10 % (Minimum Rs.500/-).For each bill lodged. Yes
Rs. 1000 (flat) for advising and amendment. Confirmation charges

6 Advising/Amendment/Confirmation charges of (inward) Inland LCs. 102010207 Yes
shall be negotiated by FID separately on case to case basis.
Documentary Bills Drawn Against Inland Letter of Credit.

Sight Bills
Charges are negoiable as per aproval or 0.50% flat - Min PKR 500/-
a) At Negotiating end 101011004 Yes
Courier charges Rs.150/- in either case.
b) Collection charges for restricted LC (where negotiation is restricted

102010303 Rs.600/- (Flat) Per Bill + Courier Charges Rs.150/- Yes
to some other Banks and presented to us for forwarding)
c) At opening end (at the time of retirement) Rates of Mark-up:

i) If retired within 3 days from the date of lodgment 101010803 Ps. 54/1,000 per day or as per approval No
7
ii) If retired after 3 days but within 20 days of lodgment 101010803 Ps. 56/1,000 per day or as per approval No
iii) If retired after 20 days of lodgment 101010803 Ps. 70/1,000 per day or as per approval No
NOTE:
No Mark-up will be charged from the date of negotiation till the date of lodgment of documents received under Inland LCs, where the payment as per
reimbursement arrangement is made to the negotiating bank only on receipt of documents. No Markup charged if already held cash margin under said LC.
Further reduction in charges/markup needs relevant Business Head approval.
Usance Bills
Charges are negoiable as per aproval or 0.50% flat - Min PKR 500/-
1) Negotiating End 101011004 Yes
Courier charges Rs.150/- in either case.
I) In case of Sight LCs Mark-up is to be recovered/charged as per
approval of Sanctioning Authority.
a) Markup on documentary Bills Purchased /Negotiated under Inland (II) In case of Usance LCs Mark-up is to be recovered/charged as per
101011004 No
LC approval of Sanctioning Authority.
III) In case of Usance LCs of our own Bank, Mark up is to be
recovered / charged as per approval of Sanctioning Authority.
2) Opening End
Acceptance Commission @ 0.20% per month shall be
recovered/charged for the Usance Import Bills for the period beyond
a) At the time of Acceptance of the Bills. 102060402 the date upto which the commission has already been charged at the Yes
time of opening of LC or thereafter any extension is made in the
validity of the LC.
b) At the time of booking 102060402 Rs.500/- (Flat) Yes
c) At the time of maturity/due date 102060402 Rs.500/- (Flat) Yes
3) At Collecting End
Commission 0.25% Minimum Rs.750/-, Maximum Rs.5,000/- + courier
a) Collection charges 102060402 Yes
charges Rs.150/-
D- MISCELLANEOUS CHARGES (To be recovered where applicable)
1 Foreign Postage 102060901 Rs. 300/- or actual which ever is higher No
Rs. 4,500/- or actual which ever is higher

2 Foreign Courier 102060902 (Note: Where the party has direct arrangements with the courier No
company, no charges are to be recovered)
Message for LCs/SBLC/LG/Misc. Communications

3 Foreign Cable / SWIFT 102060904 Short message Rs. 1200/- No
Full message Rs. 2400/-
7/25
Applicability of
FED/PST
4 Foreign Fax / Telephone 102060903 Rs. 750/- or actual which ever is higher No
a) Issuance of Proceeds Realization Certificate after one year. 102060405 Rs. 1000/- (Flat) per Certificate. Yes
5
b) Duplicate Proceeds Realization Certificate 102060405 Rs.1000/- (Flat) per Certificate.
a) Handling Charges in lieu of exchange earning where importers /
exporters buy/sell Foreign Exchange from/to other Banks for LC
102060402 Ps. 04 per US$ or equivalent in other currencies. Minimum Rs.500/- Yes
6 opened / contract registered/export documents issued / lodged
through us.
b) Test/Signatures/Mail LCs verification charges 102061065 Rs.600/-

Rs. 350/- plus foreign bank / credit reporting agency charges and
7 Obtaining credit report on foreign buyer/ supplier. 102061065 Yes
SWIFT / Courier charges (if any)
Agency Arrangements: Arrangements with banks, institutions and
8 companies for handling their inward, outward remittances and other 102010108 As per agreement Yes
services.
i) Issuance of Business performance Certificate at customers request 102060405 Rs.1000/-

9 Yes
ii) Freight subsidy Claim Processing 102061065 Rs.100/- per case
10 PURCHASE (FBP / FDBP)
OD Buying Rate is to be applied plus Commission US$10/- Flat or
a. Clean bills including T.Cs. drawn on banks abroad. 102010201
equivalent in other FC plus Postages/ SWIFT/ Courier charges
Relevant Bill Buying Rates, as circulated vide our daily exchange rate
bulletin, are to be applied plus postage/SWIFT/ Courier charges.
Note:
In case the proceeds of the bills are not realized within maturity/ due
b. Documentary 102010201
date (i.e. max upto 21 days in case of sight bills or as allowed in CA or
in case of usance the due date calculated as per tenor of the bill). Yes
0.30 % flat, Rs.350/- Minimum or as approval of Sanctioning
Authority.
c. Handling of export documents under foreign LC 102060402 NIL
(i) Rs.2,400/- only (Clean) or

d. FDBP 102060405
(ii) In case discrepant Rs.1,680/-
Handling commission of 0.5 % flat on the amount of commodity

11 Commodity Exchange Arrangements 102010503 Yes
exchange arrangement.
E- CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs
1 Cash Handling Charges
a) At the time of cash receipt into account. 102060401 a) NIL
b) No Charges on withdrawls upto USD 5000, GBP 3000 EURO 3000

For amount above these, 0.5% of the cash withdrawals / Remittance / Yes
transfer from account, if not retained in the account for 7 days.
b) At the time of withdrawal from account. 102060401
(Charges may be deducted in foreign currency or in equivalent PAK
Rupees at BOP Buying Rate)
Incidental charges, if average monthly balance in any account falls US$ 1/- per month (or equivalent in other currencies) on monthly
2 102060415
below US$ 500/- or equivalent in other currencies. basis. (Inclusive of FED/PST)
a. Outward collection drawn on other banks (other than exports US$ 5 per collection or its equivalent in other currencies plus SWIFT/
102010302
proceeds) Courier charges (if any)
Collection charges NIL

b. Outward collection drawn on BOP Branches 102010302 Yes
SWIFT / courier (if any) Actual
3
US $ 15 plus Swift/ courier charges (if any)
c. Inward Collection 102010302
(These charges are to be deducted from the proceeds of remittance)
Rs.250/-plus Foreign bank charges at actual plus SWIFT/courier

d. Outward/inward collection items returned unpaid 102060801 No
charges (if any)
4 Standing Instructions 102061043 US$ 5/- per transaction or equivalent in other currencies. Yes
Issuance of Cheque Book in lieu of lost Cheque Book. (These charges

5 102061004 * US$ 5/- or equivalent in other foreign currencies. Yes
are in addition to stop payment charges)
8/25
Applicability of
FED/PST
US$ 10 per instruction or equivalent in other currencies (one

6 Stop payment of cheques 102060910 Yes
instruction may include advice for series/multiple instructions)
* No Sales Tax in branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
Note:
● Charges may be collected in Pak Rupee or Foreign Currency in all categories.
● Any out of pocket expenses related to the bank transactions, not covered above, will also be charged to the clients.
● Clarification issued by International Division vide their F.E. Information Circular # 146 dated 13.11.2002 must also be
referred.
F- REMITTANCES
FOREIGN CURRENCY (FCY)
I- OUTWARD
Outward remittance through Debit of Foreign Currency Account i) Up to US $ 25,000 (or equivalent): US $ 15 (or equivalent, inclusive
excluding Travelers Cheques. OFTT: of FED/PST).
102010113 ii) Above US $ 25,000 (or equivalent): US $ 30 (or equivalent,
1
FDD/FMT: inclusive of FED/PST).
102010104
SWIFT Charges 102060904 As per point D- 3 of this SOC
Rs.550/- plus SWIFT/Courier charges, (if any). Foreign Bank's charges

a) Issuance of duplicate FDD 102061033
also apply.
2 b) Cancellation of FDD/FTT 102061033 Rs.550/- plus SWIFT/Courier charges, (if any) Yes
Note: All charges may be recovered in Pak Rupees or equivalent in other foreign currencies.
II- FOREIGN REMITTANCES AGAINST PAK RUPEES
Students ( for education purposes) OFTT 102010113 PKR 350 (inclusive of FED/PST) plus out of pocket charges (USD10
1 102010104 minimum)
FDD/FMT
Patients (for health purposes) 102010113 PKR 350 (inclusive of FED/PST) plus out of pocket charges (USD10
2 OFTT 102010104 minimum)
For Staff OFTT 102010113

3 102010104 Free plus out of pocket foreign bank charges (USD10 minimum) Yes
FDD/FMT
Other Payments (Regardless of Amount) OFTT 102010113 PKR 1160 or 0.29% of TT amount (Inclusive of FED/PST), whichever is
4 102010104 Yes
higher
FDD/FMT
For Regular Trade Customer 102010113
5 OFTT 102010104 Negotiable Yes
III- INWARD REMITTANCES
Home Remittances
a) If proceeds are to be credited to Pak Rupees account maintained
102010106 NIL
1 with any of our branches. Yes
b) Others, where proceeds are to be paid in Pak Rupees to other local Charges /Commission on Universal Cheque/Pay Order (if any) plus
102010106
banks Courier/Postage charges
2 If proceeds are to be paid in foreign currency to other local banks. 102010107 US$ 25+ SWIFT/courier charges(if any) Yes
Inward Cheques received from local branches or local banks for

a) If received from BOP branches ---- Nil charges
3 payment in Pak rupees (convert the relevant foreign currency at TT 102010106 Yes
b) Others --- Rs.370/-plus Cable/Courier charges
buying rate).
Inward Collection received from abroad or local banks and where the
4 102010107 Rs.550/- plus SWIFT/ Courier charges Yes
payment is demanded in foreign currency.
Outward Collection (of OFBCs) realized for credit into Pak Rupees
5 102010302 Rs.550/- plus SWIFT/ Courier charges Yes
Account
9/25
Applicability of
FED/PST
REMITTANCES
LOCAL CURRENCY (LCY)
Universal Cheque
a) Issuance of Univeral Cheque i) Through A/c Rs. 325/- (Flat) irrespective of current or saving
account.
ii) Charges for issuance of Universal Cheque for payment of fee/dues
in favour of Educational Institutions, HEC/Board etc.0.50% of
102010101 Yes
fee/dues or Rs.25/- per instrument, whichever is less.
(Free as per product features of BTA, LCA & YEA if qualified.)
b) Cancellation of Univeral Cheque for Account Holder Rs.350/- (Flat) per UC

1)
102010102 Yes
For Non account holders Rs.720/- (Flat) per UC
c) Issuance of Duplicate Univeral Cheque for Account Holder Rs.350/- (Flat) per UC
102010103 Yes
For Non account holders Rs.800/- (Flat) per UC
Customers handled under cash management services (Duly approved

Negotiable
by the Competent Authority)
The Charges for making UC and other related instruments for payment of fee dues in favor of educational institutions, HEC/Boards etc. shall not exceed
Yes
0.50% of fee/dues or Rs.25/- per instrument, which ever is less.
2 Call Deposits
Issuance of Call Deposit Receipt to A/c holders through debiting

i) 102010105 Rs.130/- Flat
his/her own A/c
1. Rs. 300/- for account holder
ii) Issuance of duplicate CDR 102010103 Yes
2. Rs. 350/- for non account holder
iii) Cancellation of CDR Free
Note: No charges are to be recovered on CDRs fvg. 'Food Department' for issuance of BARDANA, as detailed in Misc.Inst.Circular No:2018/058 dated
16.04.18.
c) Verification of Payment Instruments (UC, CDR etc) N/A Free
G- BILLS
I Collections
0.40% Minimum Rs. 500/- + Postage/Courier Charges Rs.75/- Flat. If
a) Documentary 102010301 Yes
BOP branch exists in collecting city, Rs. 1000/- Flat
0.25% Minimum Rs. 300/- Maximum Rs.5,000 + Yes
b) OBC 102010301
Courier Charges Rs.75/- Flat. No
c) Same day clearing through NIFT 102010309 Rs.525/- per collection Yes
d) Collection made on staff A/cs 102010301 Re. 1/- per instrument Yes
e) Intercity clearing through NIFT 102010304 Rs.300/- Yes
f) Bank Gurantee collection / Handling Charges 102060402 0.1% of the Guarantee amount with minimum of Rs. 1000/- Yes
Nil
g) Collection of instruments through on-line deposited with any Branch. 102010305 Note: For instruments sent in intercity/same day clearing,
intercity/same day clearing charges will be recovered.
0.2 % of transaction amount, Maximum Rs.500/-

h) Direct Cheque Deposit Facility 102060805 Yes
Note: Charges will be recovered upfront from the customer
presenting the cheque for payment in his/her account.
II Purchase of Bills, Cheques etc.

No
Markup rate 6 Months KIBOR + 5% with a minimum of Rs. 500/-
Documentary Bills other than those Drawn against Letters of Credit Yes
101011006 (plus charges as applicable w.r.t. clearing /collection service used) or
and Clean Bills/Trade Cheques
any other special rate approved by the relavant credit committee.
10/25
Applicability of
FED/PST
III a) Instruments cleared/collected within Local Area of NIFT N/A NIL
NOTE:
If total annual/annualized volume exceeds Rs.50(M) following slabs shall be applicable:
Up to Rs.100(M) 0.20% Min Rs.35/- Yes

Above Rs.100(M) up to Rs.500(M) 0.15% Min Rs.35/- Yes
Above Rs.500(M) up to Rs.1000(M) 0.10% Min Rs.35/- Yes
Above Rs.1000(M) 0.05% Min Rs.35/- Yes
Imports volume (Local +foreign) to be considered for Imports

Exports volume (Local +foreign) to be considered for Exports
Note:- LCs for machinery / Project will not qualify for volume criteria and rate may be negotiated & agreed by the customer and Bank.
1. Postage/Courier Charges are to be recovered on Collection/Realization of each instrument (whether clean or Documentary). However, in case where party
No
has deposited more than one Cheque/instrument on a particular date to be collected/drawn on the same drawee or on the same Branch of the Bank,
postage/courier charges are to be recovered once only.
2. Collecting agent’s charges, if the collecting bank is other than the bank, will be extra.
3. Telegram/Trunk call charges will be extra, if fate of the instrument is asked by Telephone/Fax
Returning charges in case the instruments are returned unpaid for:

Rs.500/- flat per bill
IV Documentary Collections 102060802 Yes
Rs.300/- flat per bill
Clean collections (Including LBC/OBC)
Note: No Provincial Tax / FED for branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
Ps. 70/1000 per day or Markup as per approval of Sanctioning

Mark up shall be applied as under on Bills Purchased/ Negotiated Authority plus collection/courier charges
including Documentary Bills other than those drawn under Inland LCs
V 102010214 No
If proceeds are not realized within 12 days from the date of purchase
and upon maturity of the Usance period
H- ADVANCES
Fee and charges in respect of Project Financing in addition to mark- 1) Application/Evaluation/ Appraisal Fee
up/return on investment. Negotiable on case to case basis.
To be recovered as per terms and conditions negotiated with the
customer.
2) Commitment Fee
1.0% of the undisbursed amount at the end of availability period.
1 102060501 3) Legal Documentation Fee Yes
At actual
4) Project Monitoring Fee
As negotiated with the customer
5) Trusteeship Fee
As negotiated with the customer
Charges 1-5 may be wavied/negotiated with the approval from the relvant approving authority/committee.
2-A PROCESSING FEE FOR ALL TYPES OF CREDIT LINES ON FRESH, RENEWAL AND SUBSEQUENT ENHANCEMENT AND INTERIM REVIEWS (if involve any increase)
1 upto Rs. 0 .100(M) As per approval, minimum Rs.1,000/-

2 Over Rs.0.100(M) To Rs.2(M) As per approval, minimum Rs.5,000/-
3 Over Rs.2(M) to Rs.5(M) As per approval, minimum Rs.10,000/-
4 Over Rs.5(M) to Rs.10(M) As per approval, minimum Rs.20,000/-
5 Over Rs. 10(M) to Rs.50(M) 102060501 As per approval, minimum Rs. 30,000/- Yes
6 Over Rs. 50(M) As per approval
7 Finance 100% secured by Deposit with BOP As per approval
8 One time accommodation Min Rs.1,000 or As per approval
9 Excess Over Limit 0.10% of EOL amount Min. Rs. 500/-
Note:
1. Charges to be recovered after acceptance of offer letter and before issuance of DAC.
2. These charges may be waived/negotiated with approval from relevant committee/authority.
3. No charges on review of long term funded facilities and open end guarantees for interim purposes.
4. Processing Fee for interim review will only be charged on the enhanced account.
TRANSFER OF LOAN ACCOUNT FROM ONE BRANCH TO OTHER (BOP)

2-B NIL
BRANCH.
3 Charges of CIB report 407130603 Rs.50/- per report/borrower
4 MISC. CHARGES
NOC Issuance on the request of customers/clients for creating
additional/pari-passu charge /second charge on their fixed assets for On case to case basis as per agreement with the party
a) 102061033 Yes
acquiring further project finance from other Banks/ Financial Min upto Rs. 10,000/-
Institutions.
b) All Other NOCs 102061033 NIL Charges
Restructuring and re-scheduling Fee
1) Serviceable limits up to Rs.50M 1) 0.10% of restructured amount, minimum Rs. 10,000/-
c) 102060501 Yes
2)Serviceable limits above Rs.50M 2) 0.10% of restructured amount, minimum Rs. 50,000/-
0.50% p.a. to be recovered on actual no. of days from 30 days after

Commitment Fee (for term loans other than Consortium / project issuance of DAC till availment or end of availment or end of
d) 102060501 Yes
lending) availability period (whichever comes earlier) for the undisbursed
amount.
Note: Misc. charges may be waived /negotiated with approval from relevant committee/authority.
11/25
Applicability of
FED/PST
5 For Finance against pledge/ hypothecation the various charges may be levied as follows:-
a) Godown Rent 102060103 Actual No
b) Godown Staff salaries. Salaries of Godown Keepers/ Chowkidar. N/A Actual No
c) For each delivery Order issued Charges against per FIM/Pledge 102061033 Rs.100/- per delivery order or as per Facility Offer Letter (FOL) Yes
i) In case of inspection (Hypothecation or Pledge) by outside

surveyors, actual billed amount to be recovered from customer’s
account.
ii) If Pledge inspection is carried out by Bank staff as per CPM,PKR
2,000/- per site should be recovered as inspection charges in addition
d) Stock Inspection Charges (Hypothecation /Pledge) 102061001 to travelling expenses. Yes
Note:
1. Incase the Bank Staff visited along with outside surveyor, above
charges will be applicable in addition to the charges billed by the
surveyor.
2. No charges in case of surprise inspection by Bank’s staff.
e) Muqaddum Charges At Actual
Deferral/Interim Review (if do not involve any enhancements) charges

1 102060501 NIL or as per approval Yes
on Finance
Delivery Charges
2 If Godown Keeper is not posted, conveyance charges will be
102061033 Actual No
recovered.
Other Incidental Expenses
3
Insurance Premium, Legal Charges 102060404 Actual/arranged and paid by the customer No
Note: While recovering the miscellaneous charges like Godown rent, Godown staff salary, inspection charges etc. the amount recovered from the borrowers
shall not exceed the total rent of the Godown, salary of the Godown staff etc. In other words miscellaneous charges should be levied as per actuals and
should not become a source of profit to the bank.
Agri Financing
The below are standard charges which may be customized/increased/decreased based on individual approval of a loan or terms of MOU/arrangement
agreed with particular organization on case to case basis.
1 TRACTOR
Processing Fee - Non Refundable (includes Provincial Sales Tax/FED)

Rs. 5,000 per tractor
The Bank shall not charge separately for ECIB, NADRA Verisys and Cost 102060501 Yes
For women: Rs. 3,000 per tractor
of Charge Documents i.e. Government Duties/Fee/Revenue Stamps.
Valuation, Legal Charges, foreclosure charges. All stamp duties, CVT,

and expenses related to property, mortgage, charge creation and N/A At Actual No
redemption
Registration/ Transfer Charges N/A At Actual (To be recovered upfront) No
Re. 1/- per thousand per day of each rental for overdue days
Late Payment Charges 102061030 Yes
(First 3 days grace period can be given by GH R&PSL)
Income estimation charges N/A At Actual No
Repossession Charges N/A Repossession charges will be recovered on actual basis No
Early Termination/Partial adjustment 102061007 3 % of Principal Payment Yes
Warehouse Charges for repossessed tractors N/A Rs.1,000/- per day per tractor or actual , whichever is lower No
Insurance & Tracker Cost N/A Actual, to be paid by lessee No
2 AGRI VEHICLE LEASE

Processing Fee - Non Refundable (includes Provincial Sales Tax/FED)
Inclusive of revenue stamp, Govt. Duties/ Fee, ECIB Charges, Nadra Rs. 5,000 per vehicle
102060501 Yes
Verisys etc. For Women: Rs. 3,000 per vehicle
Valuation Charges, Legal Charges, foreclosure charges. All stamp

duties, CVT, and expenses related to property, mortgage, charge N/A At Actual No
creation and redemption
Evaluation/Registration/Legal Charges N/A At Actual No
Re. 1/1000 per day of monthly rental from due date till actual
Late Payment Penalties 102061030 Yes
payment date
The lessee shall be responsible to arrange fitness and route permit
Fitness Certificate and route permit certificate, wherever applicable
certificate and pay all related charges.
Early termination Charges 5% on the outstanding principle amount net of LKM
Balloon payment Penalty 0.3% of amount adjusted against principal amount
Income estimation charges N/A At Actual No
To be borne by the lessee Rs.10,000/- as fixed penalty and upto

Repossession Charges N/A No
Rs.100,000/- as repossession charges or actual, whichever is lower
Warehouse Charges for repossessed Agri Vehicles N/A Rs.1,000/- per day per vehicle or at actual , whichever is lower No
Insurance & Tracker Cost N/A At Actual, to be paid by lessee No
12/25
Applicability of
FED/PST
3 AGRI RUNNING FINANCE

Financing Limit upto Rs.5 M = Rs. 5,000
Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000
Processing Fee/ Renewal/ Enhancement Fee Non Refundable
Financing Limit above Rs. 10 M = Rs.20,000
(includes Provincial Sales Tax/FED)
102060501 For women:
The Bank shall not charge separately for ECIB, NADRA Verisys and Cost
Financing Limit above Rs.5 M upto Rs.10 M = Rs. 5,000
Re. 1/- per thousand per day of each due amount for overdue days
Late/ Non Payment Penalties (includes Provincial Sales Tax/FED) 102061032
from due date till recovery date
Income Estimation Charges N/A At Actual No
Asset/ Crop Insurance N/A At Actual No
4 AGRI TERM LOANS
Processing Fee (Non Refundable) Including FED Financing Limit upto Rs.5 M = Rs. 5,000
The Bank shall not charge separately for ECIB, NADRA Verisys and cost 102060501 Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000
of charge Documents i.e. Government Duties/Fee/Revenue Stamps. Financing Limit above Rs. 10 M = Rs.20,000

Re. 1/- per thousand per day of installment amount from due date till
Late / Non-Payment Penalties (including FED/PST) 102061032
actual payment
Pre Payment (Partial or Full Adjustment) 102061007 3% of Principal Amount Yes
Asset Insurance Cost N/A At Actual No
5 NON FARM FINANCING
Processing Fee/ Renewal/ Enhancement Fee-Non Refundable

(includes Provincial Sales Tax/FED)
102060501 Financing Limit above Rs.5 M upto Rs.10 M = Rs. 10,000
The Bank shall not charge separately for ECIB, NADRA Verisys and cost
of charge Documents i.e. Government Duties/Fee/Revenue Stamps.

and expenses related to property, mortgage, charge creation and N/A At Actual No
redemption
Late / Non-Payment Penalties (includes Provincial Sales Tax/FED) 102061030 Yes
actual payment (first 30 days grace period can be given by Head ACD)
Insurance N/A At Actual No
I- STANDING INSTRUCTIONS FEE

Standing Instructions fee will be recovered in addition to the usual Rs. 255/- per transaction (inclusive of FED/PST)
1) 102061068
charges on remittances/other services, if any. Nil for Bancassurance Standing Instructions
Customers handled under Cash Management Services (Duly approved

2) 102061068 Negotiable Yes
by the Competent Authority)
J- SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS
0.35% upto Rs. 10,000/- of purchase price or Cost thereof Min. Rs.
1) Sale and Purchase of shares & securities 102060402 40/- Yes
0.20% On amount exceeding Rs.10,000/- Min. Rs.75/-
Note:
a) The above charges are in addition to brokerage.
b) Commission is not to be recovered on purchase of newly floated securities, where it is payable by the Government/Government Agencies and from the
subscribers to new shares floatation.
c) When orders for purchase or sale of shares/securities are executed through the bank's other offices, all incidental expenses, such as postage/courier,
insurance charges etc., incurred will be recovered in addition to commission/ brokerage charges.
Withdrawal fee on shares and securities held in safe custody (to be 0.25% upto Rs. 10,000/- of the paid-up or face value. Min. Rs. 20/-
I) 102060402
recovered at the time of withdrawal). 0.125% on amount exceeding Rs.10,000/-
II) Withdrawal fee on Govt. securities. 102060402 Rs. 10/- per scrip
Note: Where shares and/or securities sold are from those held in safe
custody, either commission on sale of shares and securities, as shown
against item (I) or withdrawal fees, as shown against item (II) and (III)
whichever is higher, will be charged, but not both.
0.30% on the amount of interest/ return/ dividend collected/ paid.

III) Charges for collection of interest/return/dividend. 102060402
Min. Rs. 20/- Yes
Handling Charges for conversion renewal, consolidation or subdivision

IV) 102060402 Rs. 20/- per scrip
of Government Securities.
V) Public Flotation of Shares 102060402 Case to case basis
VI) Issue of Right Shares 102060402 Case to case basis
Opening of IPS A/c NIL
VII) IPS Account Service Charges 102060405
Maintenance of IPS A/c NIL
13/25
Yes

Applicability of
FED/PST
Transfer in from Other Banks Rs.700/- per transaction,

(Rs.500 bank + Rs.200 - SBP charges)
VIII) Movement of Securities 102060405
Transfer to Other Banks Rs.500 per transaction
Collection of Coupon from SBP NIL
2) Articles in Safe Custody
Rs. 5/- (flat) per 100 cubic inches or any part thereof with a min of Rs.
Boxes (Duplicate Keys of other bank branches will be accepted in 400/- per Qtr. + FED/PST
a) 102060402
Boxes) Branches must ensure to recover/deduct charges along with
applicable FED/PST and credit in the GL
Rs. 3/- (flat) per 25 sq. inches or any part thereof with a min of Rs.
400/- per Qtr. + FED/PST
b) Envelopes
Branches must ensure to recover/deduct charges along with
applicable FED/PST and credit in the GL
K- LOCKERS
Rent/Fee/Key Deposit, etc. for Safe Deposit Lockers (To be recovered in advance).
1 Size of Locker Annual Rent (Inclusive of FED/PST)
Small Rs.5220/-
Medium 102060101 Rs.6960/-
Large Rs.8120/-
Extra Large Rs.11310/-
Late Payment Fee Rs. 250/- for Small, Rs. 300/-for Medium, Rs.350/-for Large, Rs.700/-for Extra Large per month with grace period of one Month.
Yes
GL: 102060102
Key Deposit (FED/PST Not Applicable) Small Rs.5220/-
Medium Rs.6960/- No
Large Rs.8120/-
Extra Large Rs.11310/-
Actual or Rs. 4000/- which ever is higher
Breaking Charges 102061033
(FED/PST on residual income)
Remarks All terms & conditions in our circulars issued from time to time
Only One Small size locker is allowed, charges Re. 1.16 (inclusive of
2 Locker rent for staff members 102060101 FED/PST), for other sizes, full rent on commecial rates will be
received.
Customers handled under cash management services (duly approved

3 Rate Negotiable Yes
by the competent authority)
Note: Key deposit to be taken from BTA account holders, availing lockers facility, regardless of maintaining Monthly Average Balance of Rs.1,000,000/- and
above
L- GUARANTEES
I) Bid Bond Guarantee 102010203 * 0.50% Per Qtr. Min. Rs. 2400/-
Performance Bond 102010203 * 0.50% Per Qtr. Min. Rs. 2400/-
Mobilization Advance 102010203 0.50% Per Qtr. Min. Rs. 2400/-

Collector of Customs 102010203 0.50% Per Qtr. Min. Rs. 2400/-
Yes
Financial Guarantee 102010203 0.75% Per Qtr. Min. Rs. 2400/-
Other Guarantee 102010203 0.50% Per Qtr. Min. Rs. 2400/-
Issuance of Duplicate Bank Guarantee subject to Management
PKR 5,000 Per Transaction
approval
Shipping Guarantee 102010205 Rs 1,800/- (Flat) against 100 to 110% cash margin
*For back to back guarantees, to be decided by FID on case to case basis.
a) Guarantee against 100 % cash margin or lien on PKR return free

a) Rs.1000/- Flat
BOP deposit
II) 102010203 Yes
b) Guarantee against lien on PKR Profit Bearing BOP Deposit/All types
b) Commission rate as per I) above or Rs.10,000/- per quarter
of BOP FC Deposits
whichever is low
III) Back to back Guarantee including counter Guarantee 102010203 To be decided by FID on case to case basis. Yes
Service Charges for handling claims lodged by beneficiary.

a) Guarantee on customer request in Pakistan 102060402 Rs.1800/- Flat
b) Guarantee issued by Banks abroad at our request 102060402 To be negotiated by respective business and FID on case to case basis
IV) Yes
c) For back to back guarantees 102060402 To be decided by FID on case to case basis.
Rs.1000/- Flat
Amendment in Guarantee (other than increase in amount or
V) 102010203 For Back to Back guarantee to be decided by FID on case to case
extension of period)
basis.
Charges for the vetting of Bank Guarantees from Lawyer on Bank's Rs-3000/- Per guarantee text
VI)
panel NO Charges for FID Guarantees
M- MISCELLANEOUS CHARGES
1 a) Reactivation of Dormant/Unclaimed Account within branch 102061033 FREE (FOR RELATION STRENGTHENING) Yes
1 b) Retrieval of unclaimed amount from SBP 102061033 Rs.200/- per instance Yes
Duplicate statement of account or as and when demanded by the A/c
2 102060411 Rs.35/- per statement (inclusive of FED/PST)
holder other than Periodical statements dispatched
14/25
Applicability of
FED/PST
SBP charges 9:00 a.m. to 2:00 p.m Rs.200

2:00 p.m. to 3:30 p.m Rs.300 No
3rd Party Funds Transfer through PRISM (MT 103) 3:30 p.m. to 4:30 p.m Rs.500
3) a - Bank charges will be deducted and parked at Branch Level. - RTGS 102010111 + Bank's commission @10% of SBP charges
SBP share will be transferred to Treasury Operations Note: Currently charges are NIL. Will be reinstated as above Yes
after notification from SBP.
Maximum PKR 50/- per payment instructions

3rd Party Funds Transfer through PRISM (MT-102) (PKR 25/- SBP Charges +
3) b - Bank charges will be deducted and parked at Branch Level 102010111 PKR 25/- Bank charges) No
- RTGS SBP share will be transferred to Treasury Operations Note: Currently charges are NIL. Will be reinstated as above Yes
after notification from SBP.
3) c Reprocessing of Returned Funds 102061033 SBP charges

Rs.500/- per cheque
4 Issuance of SBP/NBP cheques 102061033 Yes
No charges if issued to Banks/DFIs & Corporate Customers
Handling charges for issuance of Student Exchange Remittance
5 102061033 Rs.120/- per annum Yes
permit and maintenance of record for subsequent remittances
a) Up to 5 cheques Rs. 550/-
6 Stop payment of cheque 102060909 Yes
b) More than 5 cheques Rs. 1,100/-
Nil for PKR
1. Cheques return charges presented in Normal Outward Clearing.
102060801
US Dollar Clearing (as a collecting Banker)
US $ 5 per Transactions
2 (i) Cheque return unpaid in outward clearing

same day Rs. 300/-
102060801
intercity
Yes
7
Rs.475/- including NIFT charges (LCY)
US$ 7, GB.£ 6, Euro€ 6 (FCY)
These charges are to be recovered from the drawer (our A/c holder)
(ii) Cheques received in inward clearing and returned unpaid 102060801
who has issued the cheuqe drawn on our bank branch which is
returened unpaid due to insufficient funds, where cheque retunred
on counter no charges will be recovered.
Note: No Provincial Tax / FED for branches operating in Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
Photo Copy of the Paid Cheque(s)

Upto one year Rs. 250 per cheque
8 102061033 Yes
Above one year upto three years Rs. 750/- per cheque
Above three years Rs. 1500/- per cheque
9 Issuance of Balance Confirmation Certificate 102061033 Rs. 300/- per Certificate Yes
Issuance of Certificates “TO WHOM IT MAY CONCERN” (Business

10 102061033 Rs. 450/- per certificate Yes
Performance Certificate)
11 a) Issuance of Balance Confirmation Certificate to External Auditors 102061033 Rs. 300/- per Certificate Yes
Certificate regarding profit & tax deducted during current or other
11 b) 102061033 Free No
than current financial year
Issuance of Duplicate TD booking certificate in lieu of original reported
12 102061033 Rs.300/- per certificate Yes
lost.
Rs.150/- (Except Govt A/C, Zakat committees, students, Mustehqeen-
e-Zakat, Salary A/Cs Of Govt/Semi Govt.employees, Pensioner's
Account closing charges (where the account is being closed at the account (only for salary/pension purpose) including widows /children
13 request of the customer) except PLS deposit accounts, Asaan 102010507 of deceased employees' eligible for family pension/benevolent fund Yes
Accounts and Asaan Remittance Accounts grant etc.)
No charges if account is transferred to another branch or different
type of account is opened at the same Branch.
PLS/Finance A/c Rs. 18/- per leaf

CD/BBA Rs. 12/- per leaf
Cheque Book issuance Charges (LCY+FCY)
(Staff members (Rs.1 per cheque book), Zakat Committees and Zakat
14 102060403 Mustehqeen A/Cs are exempted) Yes
Note: No provincial Sales Tax / FED for branches operating in
Note: Facilities under Specialized Products/ Deposit schemes shall be
Islamabad, AJK, Tribal Areas and Gilgit-Baltistan
applicable
Customized cheques (Negotiable on Case to Case basis)
15 NIFT charges for Non-MICR coded instrument 302012106 Rs.12.50/- No
16 Handling Charges for marking of Lien on Govt. securities. 102060402 Rs 750/- Yes
17 Marking of Lien on securities issued by the Bank for other Banks 102060402 Rs. 750/- Yes
Issuance of new Cheque Book in lieu of lost Cheque book/Cheque 102061004
18 Rs.325/- + Actual Cheque book issuance charges Yes
book requisition 102060403
i) Rs.50/- (inclusive of FED/PST) per month (except staff members,

zakat committees, students, mustehqeen-e-zakat, salary A/cs of
Govt/Semi Govt employees, Pensioner's account (only for
salary/pension purpose) including widows/children of deceased
employees eligible for family pension/benevolent fund grant etc.
ii) All CD accounts opened by the TDR holders, exclusively for the
Account maintaining charges on CD A/Cs only where the Average
19 102060410 purpose of crediting half year return, account opened for for the
Balance is below Rs.10,000/- during a month
purpose of availing BOP consumer Finance are exempted.
iii) All accounts falling under SBP BRD Circular # 30 dated 29-11-2005
are exempted. BBA, Assan Accounts and Asaan Remittance Accounts.
iv) However no charges shall be levied on dormant/ unclaimed
accounts.
v) Exempted for specific waiver for Government Schemes
15/25
Applicability of
FED/PST
20 Breach of deposit/withdrawal limits in BBA 102060410 Rs.50/- (inclusive of FED/PST) per month
Rs.20/- per challan form depositor
Free for depositors depositing challans of Local Govt. Institutions i.e.
21 Collection of charges on behalf of the Govt. received through challan 102061033 Yes
Metropolitan/Municipal Corporations, Municipal Committees &
District Councils
Rs.25/- should be recovered from the employer's a/c. (Govt/semi
Govt employee's are exempted) However, UC/CDR issuance charges
shall apply in case of private, in addition to Salary Handling Charges,
22 Salary Handling charges 102060407 Yes
in all cases where mode of disbursement is UC/CDR which will be
recovered from employer's account or as per arrangement. In case of
Govt, it is exempted.
Note: customers handled under cash management services (duly
Negotiable Yes
approved by the competent authority)
23 Cash withdrawal through Biometric Verification 102010514 Rs.250/- per transaction Yes
Cash-In-Transit (CIT) Charges At actual plus Rs.100/-
CIT Charges:-
Claim(s) by Single customer Full charges, as per actual
24 Payment of Prize Money of National Prize Bonds (NPBs) 102061033 Yes
Claims by Multiple customers Respective share (actual CIT
charges to be divided among
number of claimants)
Alternate Distribution Channels (ADC) Services CHARGES FOR
N-
ATM/DEBIT MASTERCARD
Issuance & Renewal/Replacement
Classic Debit Master Card
102060713 PKR 1,200 per annum
Free for Salary Accounts of Govt, Semi Govt, Corporate employees
Supplementary @ PKR 750 per annum
1 Gold Debit Master Card 102060714 PKR 1,800 per annum

Platinum Debit Master Card 102060715 PKR 2,400 per annum
Supplementary @ PKR 2,000 per annum
Issuance, Annual/Renewal/Replacement
KHAAS Platinum Debit Master Card
PKR 3,200 per annum
(for Non-Priority customers only)
Supplementary @ PKR 2,200 per annum
2 PayPak Debit Card 102060724 PKR 850 per annum for Issuance/Renewal/Replacment
Yes
Issuance/Renewal/Replacment
3 Lahore Qalandars Debit Card PKR 2000/- per annum
Issuance/Renewal/Replacment
4 BOP Naaz Debit Card PKR 1,800/- per annum
5 Arbitration Charges / False Chargeback (Local and International) 102061033 USD 550 or equivalent per case
Document Retrieval Charges for POS Disputes 102061033 PKR 200 per document (Local Transaction)
6
PKR equivalent to USD 10.00 per document for (International
Transaction)
7 International Cash Withdrawal at MasterCard ATMs 102060706 4% of the transaction amount
8 Cash Withdrawal at BOP ATM Free
9 Cash Withdrawal at 1Link/Mnet Non-BOP ATM 407130610 PKR 23.44 per Transaction (Inclusive of FED/Provincial Sales Tax)
10 Receipt on ATM Cash Withdrawal/Balance Inquiry 407130610 Rs. 2.50 per transaction
11 International Balance Inquiry at MasterCard ATMs 102060703 PKR 300 per inquiry Yes
12 Balance Inquiry at Mnet/1 LINK Non-BOP ATMs PKR 3.13 per inquiry (Inclusive of FED/Provincial Sales Tax)
13 Mini Statement on BOP ATMs NIL
Free for local transaction

14 Direct Shopping at POS 102060716 Yes
4% of the Transaction Amount for International Purchases
Free for local purchases

15 E-Commerce Transaction 102060716 Yes
4% of transaction amount for International Purchases
PKR 89/- + tax per month

* SMS Banking Service Charges 102061002 Yes
Free For BOP YES Business Account
16 * CD Asaan Accounts 102061002 PKR 62/- + tax per month Yes

SMS Service Charges for intimating customers fate of instruments sent
302012607 Free of charge No
in Outward Clearing
* SMS alerts for all international and domestic digital transactions (such as ATM, POS and Internet/Mobile banking transactions, etc.) are free of cost.
Transfer Amount Fee
Upto PKR 25,000/month Free
Amount exceeding PKR 25,000 0.1 % of transaction amount
17 IBFT through ATM 102060708
for the month or Rs. 200 whichever is lower
(inclusive of FED/PST)
18 ATM Biometric transaction Rs 10 + FED per session

19 ADC Charges for staff N/A FREE
20 International ATM Withdrawals through BOP ATMs Rs. 650/- plus FED per transaction
21 BOP Biometric Verification through ATM PKR 15/- plus FED per transaction
Customers handled under Cash management services (Approved by the Competent Authority) Negotiable
O- MOBILE BANKING CHARGES
Initial Registration fee Free
Mobile Banking Service Charges 102061059 (including 1st year subscription)
Annual Subscription (subsequent renewal) Free
Transfer Amount Fee
Upto PKR 25,000/month Free
Mobile Banking - IBFT 102061062 Amount exceeding PKR 25,000 0.1 % of transaction amount
for the month or Rs. 200 whichever is lower
(inclusive of FED/PST)
16/25
Applicability of
FED/PST
P- CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)
Inter city & Intra city For Savings & Current

Cash Withdrawal NIL
102060601
Cash Deposit NIL
Cheque Transfer NIL
On-line collection/receipt/ remittance through challans in accounts of
Newly established Metropolitan/ Municipal Corporations, Municipal NIL
Committees & District Councils
Customers handled under Cash management services NIL
Online Collection of Govt Taxes & Duties (OTC & ADCs) NIL
Q- CHARGES FOR BOP MASTER CREDIT CARD
Annual Fee (Basic) Mastercard World: Rs. 20,000/-
1 Mastercard Platinum: Rs. 10,000/-
Mastercard Gold: Rs. 4,000/-
Annual Fee (Supplementary) Mastercard World: Rs. 10,000 /-
2 Mastercard Platinum: Rs. 5,000/-
Mastercard Gold: Rs. 2,000 /-
APR (Annualized Percentage Rate) 3.5% per month (42% Annual Percentage Rate) on Cash Advance
3 3.5% per month (42% Annual Percentage Rate) on Retail Transactions
1.83% per month (22% Annual Percentage Rate) on BTF Transactions
Yes
4 Cash Advance Fee 3% of transaction amount or Rs 1,000/- (whichever is higher)
5 Late payment fee Rs. 1,500/-
6 Over Limit Fee Rs. 1,500/-
7 Return Cheque Rs. 1,000/-
8 Card Upgrade Fee Rs. 1,000/-
9 Card Replacement Fee Rs. 1,000/-
10 Utility Bill Payment Fee Upto Rs. 100/- per transaction

0% APR BT Processing Fee 3-months: 3.5%
11 6-months: 7.00% Yes
12-months: 14.00%
BTF On Installment Plans – Flat Service Fees Upto 4% per month
BTF On Installment Plans APR 3-months: 26.80%
6-months: 30.23%
12-months: 31.72%
12 18-months: 31.76% Yes
24-months: 31.46%
36-months: 30.59%
48-months: 29.70%
60-months: 28.88%
Retail Transactions Installment Plan – Flat Service Fees Upto 4% per month
Retail Transactions Installment Plan APR 3-months: 31.23%
6-months: 35.15%
13 12-months: 36.74% Yes
18-months: 36.68%
24-months: 36.22%
36-months: 35.07%
PO/IBFT/Alliances Installment Plan – Flat Service Fees Upto 4% per month
PO/IBFT/Alliances Installment Plan APR 3-months: 35.65%
6-months: 40.05%
12-months: 41.70%
14 18-months: 41.50% Yes
24-months: 40.88%
36-months: 39.43%
48-months: 38.05%
60-months: 36.82%
Voucher retrieval Fee Local Transactions: Rs. 300/-
15 Yes
International Transactions: Rs. 800/-
Flexible Installment Plan Processing Fee Retail: Rs. 1,000/- (Flat)
16 Alliances: 1.5% or Rs. 500 (Whichever is higher) Yes
Online Installment Plans: 1.5% or Rs. 500 (Whichever is higher)
17 Flexible Installment Plan pre-payment Charges 5% on Balance Amount or Rs 1,000/- whichever is higher Yes
Foreign Transactions Upto 5% over prevailing market rate or
as per SBP directives. Third currency transactions will be first
18 Yes
converted into US Dollars as per rate quoted under arrangement with
MasterCard.
19 MasterCard Arbitration Charges for disputed transactions USD 500/- Yes
20 Credit Cover Shield Premium Upto 0.65% of outstanding amount Yes
21 SMS & E-Alert Charges Rs. 100/- per month Yes
22 Litigation Charges At Actual
23 Universal Cheque Issuance Charges Rs. 500/- per request Yes

24 Direct Debit Rejection Fee Rs. 1,000/- Yes
Lounge Access MasterCard Airport Pass:
- Free For Platinum & World Cardholders (As per MasterCard Fee
25 Yes
Guide)
-USD $ 32.00 per Guest Visit ( As per MasterCard Fee Guide)
Gym Visit Fee (Where visits exceed allotment or spend criteria is not Rs. 1500/- per visit
26 Yes
met)
27 Other Credit Card Bill Payment via BOP Credit Card 2% of Transaction Amount Yes
R- BANK CHARGES FOR GOVERNMENT BUSINESS
a) IMPORTS
Letter of credit
i) up to Rs. 1.000M 102010204 @1/8% per quarter or part thereof Yes
ii) Exceeding Rs. 1.000M 102010204 @1/16% per quarter or part thereof yes
17/25
a)

Applicability of
FED/PST
3/8% of LC
In addition to above, branches will recover the actual cable/ SWIFT
iii) Non-reimbursable LC under Barter/Aid/ Loans 102010204 charges where LCs are desired to be established through cable and yes
confirmation charges of foreign bank if foreign bank's confirmation is
also to be added on openers request.
Collection Made on Government Accounts including Market

b) N/A No charges to be recovered including returning charges. No
Committees etc.
Note: The above concessionary rates/Charges will apply only to those letters of Credit which cover imports by the Government routed through SBP. In case
L/C is received directly from the importing agency, normal charges are to be recovered.
S- SONEY PE SUHAGA (Financing Against Gold/Gold Ornaments)

0.50% of loan amount or minimum Rs. 2,500/- (whichever is higher).
Processing Charges 102060501 yes
Maximum Rs. 15,000/-
Valuation charges by Gold smith N/A Actual as per Shroff No
Documentation charges N/A At Actual No

Insurance charges N/A At Actual No
Early Settlement Charges (in case of Term / Demand Finance) N/A Allowed without penalty No
Rs. 1,500/-
Facility Renewal Processing charges 102060501 Yes
(May be waived by the Business Head)
ECIB Charges 407130603 Rs. 50/- per eCIB report

Late Payment Charges @ 2 % p.a. in addition to the mark-up rate Yes
The below are standard charges which may be customized/increased/decreased based on individual approval of a loan or terms of MOU/arrangement
agreed with particular organization on case to case basis.
T- PERSONAL LOANS
Salaried Individuals (Men & Women): Rs. 2500/-
Processing Fee Non Refundable (includes Provincial Sales Tax/FED)
The Bank shall not charge separately for ECIB, NADRA Verisys and Cost 102060512
SEB/SEP(Men): Rs. 5,000/-
of Charge Documents i.e. Government Duties/Fee/Revenue Stamps
SEB/SEP (Women): Rs. 4,000/-
Renewal Charges fee for Quick Finance/Emergency Limit

Approval/Running Finance (includes Provincial Sales Tax/FED)
102060512 Rs. 2,000/-
The Bank shall not charge separately for ECIB, NADRA Verisys and Cost
Salaried Individuals: NIL

Pre payment / Pre-Mature Termination Charges 102061020 Yes
SEB/SEP: 5% of outstanding principal
Late / Non-Payment Penalty 102061017 Re.1/- per thousand per day per installment, for overdue days Yes
Verification Charges Upfront N/A At Actual, as charged by external agency No

Income Estimation Charges (If any) N/A At Actual No
Salaried Individuals – Nil
Balloon / partial payment (DF facility) 102061020 SEB/ SEP – PKR. 10,000/- or 1% of partial payment amount, whichever Yes
is higher.
Legal Charges if any N/A At Actual No

Service Charge on emergency limit including FED/PST 102060512 3% of every draw down / loan amount
U- SMART ADVANCE CASH
Processing fee (Non refundable ) Including FED/PST

The Bank will not charge separately for ECIB, NADRA Verisys and Cost 102060524 2.5% of Amount Availed or Rs. 100 whichever is higher
Late Payment Charges 102060524 2.5% of Loan Availed on Monthly Basis Yes
V- CONSUMER AUTO LEASE (CarGar)
Processing fee Non refundable (includes Provincial Sales Tax/FED)

For Men: Rs. 6,000/- per case
The Bank will not charge separately for ECIB, NADRA Verisys and Cost 102060513
For Women: Rs. 4,000/- per case
For Men & Women: Rs. 1,500/- for Motorcycles
Registration charges N/A At Actual No
Repossession charges N/A At Actual upto maximum of Rs.100,000/-, whichever is lower
5% of Principal outstanding against lease/loan account.

(However, if the customer repays in order to obtain finance for new
Early Termination / Pre Payment Penalty 102061022 Yes
vehicle no penalty shall be charged.
Late / Non-Payment Penalty 102061013 Yes
actual payment
Balloon Payment 102061022 5% of Principal adjusted against lease/loan account. Yes
Vehicle Insurance & Tracker Cost N/A At Actual - as charged by Insurance Company No
Survey charges for repossessed vehicle N/A At Actual No
Warehouse charges for repossessed vehicle N/A At Actual (Max. Rs. 500/- per day) No
Evaluation charges of pre owned / used and imported vehicles N/A At Actual No
Legal Charges N/A At Actual No
18/25
Applicability of
FED/PST
W- BOP HUMRAHI
Processing Fee (Non Refundable) Including FED/PST

The Bank shall not charge separately for ECIB, NADRA Verisys and cost 102060511 Rs. 5,000/- per case
of charge Documents i.e. Government Duties/Fee/Revenue Stamps

Registration charges N/A Rs. 3,800/-
Repossession charges N/A At Actual upto maximum of Rs.25,000/-, whichever is lower No
Prepayment Penalty
N/A There is no prepayment penalty
Late / Non Payment Penalties 102061016 Rs. 10/- per day from due date till actual payment date Yes
Vehicle Insurance N/A Rs. 5,800/- (at actual) No

Survey charges for repossessed vehicle N/A At Actual No
Warehouse charges for repossessed vehicle N/A At Actual (Max. Rs.100/- per day) No
Legal Charges N/A At Actual No
X- SESEUY 1.0
Repossession charges N/A At actual upto a maximum of Rs. 100,000/- whichever is lower No
Penalty on Repossession of Vehicles (including FED/PST) 102061055 Rs. 10,000/-
Pre Payment Penalty 102061010 5% on Principal Outstanding Yes
Late / Non-Payment Penalty
Bolan 102061009 Rs.35 per day per rental from due date till actual payment Yes
Mehran Rs.25 per day per rental from due date till actual payment
Vehicle Insurance & Tracker Cost N/A Actual – charged by insurance company No
Survey charges for repossessed vehicle N/A Actual No
Warehouse charges for repossessed vehicle N/A Actual (Max. Rs.500/- per day) No
Legal Charges N/A Actual No
Y- APNA ROZGAR SCHEME
Repossession charges N/A At actual upto maximum of Rs. 100,000/- whichever is lower No
Penalty on Repossession of Vehicles (Including FED/PST) 102061055 Rs. 10,000/-
Pre Payment Penalty 102061054 5% on Principal outstanding Yes
Late/Non-Payment Penalty 102061045 Yes
actual payment
Vehicle Insurance & Tracker Cost N/A Actual - charged by insurance company No
Survey charges for repossessed vehicle N/A Actual No
Warehouse charges for repossessed vehicle 102061055 Actual (Max. Rs.500/- per day) No
Legal Charges N/A Actual No
Note: The lessee shall be responsible to arrange fitness & route permit certificate and pay all related charges.
Z- FLEET FINANCING
Processing Fees Non-Refundable (includes Provincial Sales Tax
FED/PST/Documentation Charges inclusive of revenue stamp/ govt.
102060503 Rs. 5,000/- per Vehicle
duties/fees, ECIB charges, NADRA Verisys etc.)
Evaluation/ Registration/ Legal Charges N/A At Actual No
To be borne by Lessee.
Repossession Charges N/A Rs. 10,000/- as per fixed penalty and up to Rs. 100,000/- as No
repossession charges or actual (whichever is lower)
Warehouse Charges for repossessed vehicles 102061051 Actual (Max. Rs.1,000/- per day) No
Insurance & Tracker Cost N/A Actual, to be paid by lessee No
* Early Termination 102061025 3% on the outstanding principal amount net off LKM Yes
Re. 1/1000 per day of installment amount from due date till actual
Late Payment Penalty 102061019 Yes
payment
Balloon Payment Penalty 102061022 0.3% of amount adjusted against principal amount Yes
* Charges negotiable on case to case basis
AA- HOUSE LOANS

Salaried individual/Self-employed professional (SI/SEP) Rs.8000/-
The Bank shall not charge separately for ECIB, NADRA Verisys and Cost 102060509
Others Rs.10,000/-
Loan Enhancement Fee (includes Provincial Sales Tax/FED) 102060509 Rs. 5,000
duties, CVT, and expenses related to property transfer, mortgage and N/A At Actual No
redemption
Re. 1/- per thousand per day of instalment amount from due date till
Late / Non-Payment Penalties (includes Provincial Sales Tax/FED) 102061015
actual payment
Life & Property Insurance Cost N/A At Actual No
Pre Payment (Partial or Full Adjustment) 102061023 3% of Principal Amount Yes
AB- ASHIANA HOUSING FINANCE
The Bank shall not charge separately for ECIB, NADRA Verisys and cost 102060514 Rs. 4,000/-
of charge Documents i.e. Government Duties/Fee/Revenue Stamps.
Rs. 1,000/- (No charges shall be recovered where verification report is

Verification Fee upfront (Non Refundable) 102061050 Yes
being provided by DCOs)

N/A At Actual No
and expenses related to property, mortgage and redemption
Late Payment Penalties 102061046 Yes
actual payment
Prepayment / Partial Payment Penalty 102061024 No Prepayment / Partial Payment Penalty
19/25
Applicability of
FED/PST
Life & Property Insurance Cost N/A At Actual No

AC- BOP SHAMSI TAWANAI
Processing charges Rs. 5,000/- per application or 0.1% of the loan

102060544 amount, whichever is higher. Processing charges would be subject to
(Agri Lease) levy of sales tax at the rate applicable in the province where services
Processing Charges 102060545 are being consumed.
(Consumer Lease) For Women: Rs. 2,500/- per application or 0.05% of the loan amount,
whichever is higher.
AD- Mera Pakistan Mera Ghar (Low Cost Housing)

Processing Fee/Charges (Non-refundable) For all categories: Rs.5,000/- plus FED/PST
duties, CVT, and any expenses related to property transfer, mortgage At Actual-borne by applicant
and redemption etc.
External agency charges Charged at actual
Early Payment (Unit Purchase Option) No restrictions on early payment/unit purchase.
Pre-Payment Charges (Partial or Full Adjustment) NIL as per SBP

Late / Non-Payment Charges (including FED)
actual payment
Life** & Property Insurance Cost

At Actual-Borne by applicant
**Life Assurance is optional.
Income Estimation Charges At Actual-Borne by applicant
SME Financing
AE- BOP Fori Sahulat
a) 0.10% of the facility amount, min. PKR 5,000/-
a) Application Processing Fee For women: 0.05% of the facility amount, min. PKR 2,500/-
(Non-refundable, payable up-front)
102060501 Yes
b) Annual Renewal Fee b) 0.05% of the facility amount, min. PKR 2,500/-
(Non-refundable, payable up-front) For women: 0.025% of the facility amount, min. PKR 1,250/-
AF- BOP Apni Dokan

Documents charges Actual cost of revenue and special adhesive stamps
Actual and approved charges of lawyers on the bank’s approved
Legal charges
panel
Actual and approved charge of valuators on the bank’s approved
Valuation charges
panel
Late payment charges shall be calculated on the principal amount of
Late payment Charges the installment due at existing mark-up rate from 6 th day of the
month.
Rs. 10,000/- or 0.1% of the loan amount, whichever is higher.
Processing Fee (up-front with LAF) 102060501 Yes

For women borrowers: Minimum of Rs. 5,000/- or 0.05% of the loan
amount, whichever is higher.
AG- BOP Kamyab Karobar
a) 0.10% of the facility amount, min. PKR 5,000/-

For women borrowers: 0.05% of the facility amount, min. PKR 2,500/-
b) 0.10% of the facility amount, min. PKR 2,500/-

a) Application Processing Fee
For women borrowers: 0.05% of the facility amount, min. PKR 1,250/-
b) Facility Fee
c) 0.05% of the facility amount, min. PKR 2,500/-
(Payable at the time of facility acceptance) 102060501 Yes
For women borrowers: 0.025% of the facility amount, min. PKR
c) Annual Renewal Fee
1,250/-
d) Interim Facility Enhancement
d) 0.05% of the amount of excess requested over approved limits,
min. PKR 2,500/-
For women borrowers: 0.025% of the amount of excess requested
over approved limits, min. PKR 1,250/-
Property Evaluation Fee At Actual
Legal Fee At Actual
Credit/Market Check & Income

At Actual
Estimation Fee
Property Insurance Premium Rate At Actual
AH- BOP Supply Chain Finance

a) Processing Fee (up-front with LAF) a) Rs.2,000
102060501 Yes
b) Annual Renewal Fee b) Rs.1,000
GOVERNMENT INITIATIVES
AI- KAMYAB JAWAN YOUTH ENTREPRENEURSHIP SCHEME (KJ-YES)
Unsecured:
102060526
Processing Fee
Vehicle:
(At the time of Disbursement of Loan. Non-refundable inclusive of Rs.100/- plus FED Yes
102060527
NADRA online CNIC verification fees.)
SME:
102060528
Physical Verification/Registration/Income
Estimation/Valuation/Legal/Documentation Charges inclusive of N/A At Actual No
Revenue Stamp, Government Duties/Fee/ECIB/Nadra Verisys etc.
20/25
Applicability of
FED/PST
Unsecured:
102061069
Late Payment Charges (LPCs)
Payment is due on 1st of every month, Grace
Vehicle:
period of 5 days apply. PKR 1 per 1000 per day on the principal amount due as monthly
102061070 Yes
LPCs shall be applicable from 6th of each month. installment from due date till actual payment date
If 5th of any month is a holiday then grace period shall up till the next
SME:
working day.
102061071
Partial/Balloon/Early Settlement NIL
For T2 & T3 (All Logistics Cases): At actual, to be paid by applicant

Insurance including Tracker (if applicable) No
Insurance animals(in case livestock/dairy) Actual, to be paid by borrower No
To be borne by the applicant.

Repossession Charges Up to Rs.150,000/- as repossession charges or actual (whichever is
No
(For Logistics only) lower)

Warehouse Charges for repossessed vehicles
Rs.500/- per day per vehicle or at actual, whichever is lower No
(For Logistics only)
The applicant shall be responsible to arrange fitness & route permit
Fitness Certificate & Route Permit Certificate, wherever applicable certificate & pay all related charges.
No
AJ- PUNJAB ROZGAR SCHEME

Punjab Small Industrial Corporation (PSIC) shall forward Rs. 1,000/-
Processing Fee
102060539 per forwarded application to BOP which shall include ECIB, NADRA
(Non Refundable)
Verisys and Physical Verification charges.
Registration/ Valuation/Legal / Documentation Charges inclusive of
At Actual
revenue stamp, Govt. Duties / Fee etc.
Repossession Charges
Up to Rs.150,000/- as repossession charges or actual (whichever is
(Logistics only)
lower)
Warehouse Charges for repossessed vehicles To be borne by the applicant.
608130697
(Logistics only) Rs.500/- per day per vehicle or at actual, whichever is lower
The applicant shall be responsible to arrange fitness & route permit
Fitness Certificate & Route Permit Certificate, wherever applicable certificate & pay all related charges.
For clean loans: Life Assurance - Borne by bank

For SE + Logistics (including Tracker): At actual, to be paid by
Insurance (if applicable) applicant
Insurance animals (in case livestock/dairy) For animals: At actual, to be paid by borrower
Partial/Balloon/Early Settlement 605010415

605010416
605010506 NIL
605010633
605010634
102061082
Late Payment Charges (LPCs) 102061085 Re. 1/- per 1000 per day on the principal amount to be calculated
Payment is due on 1st of every month, Grace period of 5 days apply. 102061086 from monthly installment due date till actual payment
LPC shall be applicable from 6th of each month. If 5th is a holiday, 102061083
then grace period shall be up to the next working day. 102061084
LPC shall be charged from applicant at the time of maturity
AK- BOP SME Asaan Finance (SAAF)

For SME business loans other than logistics: Rs. 5,000 or 1% of loan
amount (whichever is higher)
Processing Fee Non Refundable
For Logistics: Rs. 5,000/- per vehicle, non refundable.
At Actual
Registration/ Valuation/Legal / Documentation Charges inclusive of
revenue stamp, Govt. Duties / Fee etc.
Rs. 10,000/- as fixed penalty and up to Rs. 100,000/- as repossession

Repossession Charges (Commercial Vehicle Only) charges or actual (whichever is lower)
Rs. 500/- per day per vehicle charges or Actual, whichever is lower.
Warehouse Charges for repossessed vehicles (Commercial Vehicle
Only)
Insurance & Tracker Cost (Fixed Assets & Commercial Vehicles) (if Actual
applicable)
Tracker (In case of Logistic)
For RFD (Vehicles):
For early settlement 3% on the outstanding Principal amount net of
LKM (Lease Key Money)
Balloon /Partial payment charges
0.3% of amount adjusted against principle amount
* Early Termination Partial/ Balloon /Early settlement For SME Business Loans:
i. Nil in case of Short-Term Loans
ii. Surcharge @ 5% of outstanding principal amount in case of
balloon/ full payment during 1st year in case of Long-Term Loans. No
surcharge on partial/balloon payment of Long-Term Loans after
completion of 1 year from disbursement date.
21/25
Applicability of
FED/PST
For RFD: Re 1 per 1000 per day on the overdue principal to be

calculated from monthly installment due date till actual payment.
Late Payment Penalty (LPC) SME: Late payment charges shall be calculated on principal amount of
LPC shall be charged from applicant at the time of maturity the installment due at existing mark-up rate.
* Charges negotiable on case to case basis

Foreign Currency Value Account Non-Resident Rupee Value
AL- BOP ROSHAN DIGITAL ACCOUNT (RDA) (Normal & Low Income Segment)
(FCVA Account (NRVA)
1 Account maintenance Free Free
2 Cash Withdrawal
2.1 Intercity Free Free
2.2 Intra-city(Within) Free Free
2.3 BOP ATM N/A Free
2.4 Other ATM N/A Free
2.5 International cash withdrawal via Debit card N/A Free
3 SMS alert Free Free
Debit Card
4
(Platinum Card for normal RDA, Classic Card for Low Income Segment RDA)
4.1 Issuance N/A Free
4.2 Annual N/A Free
4.3 Replacement N/A Free
4.4 Supplementary-Issuance/Annual/Replacement N/A Free
4.5 Balance inquiry at other ATM N/A Free
4.6 International Balance inquiry N/A Free
4.7 Shopping at POS N/A Free
5 Courier-Delivery Charges Free Free
6 Cheque Book
Issuance 1st Free, subsequent PLS: Rs 18 1st Free, subsequent PLS: Rs 18
per Leaf per Leaf
Subsequent CD: Rs 12 per leaf Subsequent CD: Rs 12 per leaf
6.1
For TIB:1st Free, subsequent Rs 18 For TIB:1st Free, subsequent Rs 18
per Leaf for All Accounts per Leaf for All Accounts
6.3 Stop payment Free Free
7 Remittance (Local)(UC)
7.1 Issuance Free Free
7.2 Cancellation Free Free
7.3 Duplicate issuance Free Free
8 Outward Remittance (OFDD)
8.1 Issuance Free Free
Free. However Foreign Bank's Free. However Foreign Bank's
8.2 Duplicate issuance
charges also apply. charges also apply.
Free. However Foreign Bank's Free. However Foreign Bank's
8.3 Cancellation
charges also apply. charges also apply.
9 Inward/Outward Remittance
Free. However Correspondent Free. However Correspondent
9.1 OFTT
Bank Charges will apply Bank Charges will apply
9.2 SWIFT charges Free Free
Free. However Correspondent Free. However Correspondent
9.3 Inward Remittance
Bank Charges will apply Bank Charges will apply
10 Account Statement (E-Statement) Free Free
11 Funds transfer
11.1 Through ADC N/A Free
11.2 Online (Within/Intercity) Free Free
12 Mobile Banking Subscription/Annual Charges N/A Free
13 * Clearing
13.1 Normal/intercity Free Free
13.2 Same Day Free Free
* Outward Clearing is applicable only for collection of instruments in respect of disinvestment in real estate
14 Others
14.1 Account closure Free Free
14.2 Balance confirmation certificate Free Free
14.3 Tax deduction certificate Free Free
14.4 Utility bill payments N/A Free
14.5 Processing Naya Pakistan Applications Free Free
15 ROSHAN APNI CAR
Application Processing Fee
15.1 N/A Rs. 6,000/- per case
(Inclusive of documentation charges)
5% of Principal outstanding
against lease/loan account.
(However, if the customer repays
15.2 Early Settlement Charges N/A
in order to obtain finance for new
vehicle no penalty shall be
charged)
5% of Principal adjusted against
15.3 Partial Payment N/A
lease/loan account.
15.4 Vehicle Appraisal (if applicable) N/A At Actual
At Actual upto maximum of
15.5 Re-possession Charges N/A
Rs.100,000/-, whichever is lower
15.6 Legal Notice Fee N/A At Actual
Re. 1/- per thousand per day of
15.7 Late Payment Charges N/A installment amount from due date
till actual payment
16 ROSHAN APNA GHAR
PKR 4,640/- (PKR 4,000/-

16.1 Processing Fee - (Non Refundable) Including FED N/A
Processing Fee + PKR 640/- FED)
16.2 Loan Enhancement Fee including FED N/A PKR 5,000/-
16.1 duties, CVT, and any expenses related to Mortgage of property, Lien N/A At Actual
Marking etc.
16.2 Late / Non-Payment Penalties (including FED) N/A installment amount from due
date till actual payment
Covering Finance amount
16.3 Property Insurance N/A
absolutely Free
22/25
Applicability of
FED/PST
Optional – Covering death (due to

16.4 Life Assurance N/A any cause) & accidental/natural
disability
1% will be charged for 1st year
16.5 Partial Pre-Payments/Early Termination N/A
and after one year NO Charges
17 GENERAL HOUSING FINANCE
SI / SEP = PKR 8,000/-
Others = PKR.10,000/-
17.2 Loan Enhancement Fee including FED N/A PKR 5,000
17.3 duties, CVT, and any expenses related to property transfer, mortgage N/A At Actuals
and redemption etc.
17.4 Late / Non-Payment Charges (including FED) N/A installment amount from due date
till actual payment
17.5 Life & Property Insurance Cost N/A At Actuals
17.6 Pre-Payment (Partial or Full Adjustment) N/A 3% of Principal Amount
17.7 Income Estimation Charges N/A At Actual
18 LOW COST HOUSING
18.1 Processing Fee/ Charges (Non Refundable) N/A For all categories: Rs. 5,000/-
18.2 External agency charges N/A Charged at actual
No restriction on early payment/
18.3 Early payment (unit purchase option ) N/A
unit purchase
18.4 Pre-Payment Charges (partial or full adjustment) N/A NIL
18.5 duties, CVT, and any expenses related to property transfer, mortgage N/A At Actuals - borne by customer
and redemption etc.
Re. 1/- per thousdand per day of
18.6 Late / Non-Payment Charges (including FED) N/A installment amount from due date
till actual payment
Life** & Property Insurance Cost
18.7 N/A At Actuals - borne by customer
**Life Assurance is optional.
18.8 Income Estimation Charges N/A At Actuals - borne by customer
19 ROSHAN APNI CAR (ISLAMIC)
Application Processing Fee
19.1 N/A Rs. 6,000/- + FED per case
(Inclusive of documentation charges)
19.2 Early Settlement Charges N/A as per payment schedule
19.3 Partial Payment N/A Not Applicable
19.4 Vehicle Appraisal (if applicable) N/A At Actual
At Actual upto maximum of
19.5 Re-possession Charges N/A
Rs.100,000/-, whichever is lower
At Actual or (Max. Rs. 500/- per
19.6 Warehouse charges for repossessed vehicle N/A
day)
19.7 Legal Notice Fee N/A At Actual
20 ROSHAN APNA GHAR - ISLAMIC (Subsidized & Normal House Finance)
PKR 4,640/- (PKR 4,000/-
Processing Fee + PKR 640/- FED)
20.2 Finance Enhancement Fee including FED N/A PKR 5,000/-
20.3 duties, CVT, and any expenses related to Mortgage of property, Lien N/A At Actual
Marking etc.
Covering Finance amount
20.4 Property Takaful N/A
absolutely Free
Optional – Covering death (due to
20.5 Life Takaful N/A any cause) & accidental/natural
disability
In case of early termination for 1st
year 1% increase in buyout price
20.6 Partial Pre-Payments/Early Termination N/A
will made and after one year NO
Charges
Note:For other charges please refer to our Schedule of Charges
**FEATURES OF SPECIALIZED PRODUCT/DEPOSIT SCHEMES (INCLUDING WAIVER/CONCESSIONS)

LOCAL CURRENCY PRODUCTS
Features
A. CURRENT
1 BOP Tijarat Account
On Maintaining monthly average PKR 25,000
IBFT * Free
Cheque Book * Free
Debit Card * Issuance free
* Renewal free on maintaining PKR 25,000 as monthly average
balance
* Rs. 1 ( only small & medium) on maintaining monthly average
Locker
balance of PKR 1,000,000 preceding issuance/renewal date
Universal Cheque Issuance * Free
CDR Issuance * Free
OBC Collection * Free
* Waiver to be applied for 1st month due to unavailability of monthly average. Preceding Month's Average balance criteria to be applied for later months.
** Conditions as per 'General Notes' apply.
2 BOP Life Current Account

On Maintaining monthly average PKR 25,000
Issuance is free for Classic Debit Card. For other Debit cards, charges
Debit Card will apply
* Renewal will be free subject to monthly average balance criteria
Universal Cheque Issuance * Free
* Waiver to be applied for 1st month due to unavailability of monthly average. Preceding Month's Average balance criteria to be applied for later months.
3 Salary Plus Account

Issuance Free for Classic Debit Card. For other Debit cards, charges
Debit Card
will apply
Collection of Outstation Cheques Free upto 3 Gross Salaries in a Month
23/25
Applicability of
FED/PST
4 Youth Education Account
Issuance & renewal free for PayPak (Classic) debit card. For other
Debit Card
Debit cards, charges will apply
Univeral Cheque Issuance favouring educational institution Free

Account Maintaining Charges Exempted
5 Asaan Current Account

Issuance & renewal at PKR 850. For other Debit cards, charges will
Debit Card (PayPak Classic)
apply
Cheque Book First 25 Leaf free

SMS Alerts PKR 62 P.M
6 Asaan Remittance Current Account

Issuance & renewal at PKR 850. For other Debit cards, charges will
Debit Card (PayPak Classic) apply
(deductable on the receipt of 1st remittance in the account)
7 YES Business Account

SMS Alerts Free
Mobile Banking subscription Free
8 BOP Kissan Dost Current Account

On maintaining monthly average balance PKR 10,000
Free issuance of Debit Card (PayPak Classic). For renewal, charges
Debit Card
apply as per SOC
Cheque book Free 1st 25 leaf cheque book

Universal Cheque Free upto 2 UCs per month
Rate break/discount of 1.00% on all agricultural ( ACD) Financing
Agricultural (ACD) Financing
products
9 BOP Naaz Current Account

Lockers Locker Fee: Annual Rent - Free for 1st Year.
Debit Card Free Issuance of 1st Naaz Debit Card
Cheque book Free 1st, 25 leaves Cheque Book
SMS Alerts Free
B SAVINGS
10 Behtreen Munafa Account
Issuance free for Classic Debit Card. For other Debit cards, charges
Debit Card
will apply
11 Young Lions Saving Account

Cheque Book First 25 Leaf free
Issuance free for PayPak (Classic) Debit Card. Annual/renewal charges
will apply.
Debit Card
For other Debit cards, charges will apply as mentioned in Cards
Section
12 Asaan Saving Account

Issuance & Annual/renewal at PKR 850. For other Debit cards, charges
Debit Card (PayPak Classic)
will apply
13 BOP Kissan Dost Saving Account

On maintaining monthly average balance PKR 25,000
Cheque book Free 1st 25 leaf cheque book
Universal Cheque Free upto 2 UCs per month
Rate break/discount of 1.00% on all agricultural ( ACD) Financing
Agricultural (ACD) Financing
products
14 Salary Plus BOP@Work

As per agreement / mandate with the client
Salary Disbursement Charges
No charges from Govt. or Semi Govt organizations
14.1 PKR Current Account

Cheque Book Free
Debit Card Issuance
Free
(Standard/ Personalized)
Renewal Free
Cash withdrawals (Off us) Free
E-Statement Free
Mobile App Free
SMS Alert Charges (ATM) Free
Bank Statement Free
IBFT (interbank & within BOP) upto Rs.500,000/- through ATM &
Free
mobile banking app
14.2 PKR Savings Account

Debit Card Issuance
Free
(Standard/ Personalized)
E-Statement Free
Mobile App Free
Bank Statement Free
24/25
Applicability of
FED/PST
15 BOP KHAAS
Issuance of KHAAS Platinum Card Free
Renewal of KHAAS Platinum Card Free
Supplementary KHAAS Platinum Debit Card Free ( If Primary Card is KHAAS Platinum)
Issuance of Universal Cheque Free

Locker Annual Rent 50% Fee Waiver
SMS Alerts Free
IBFT (ATM and Mobile Banking) Free
Mobile Banking Annual Subscription Free
Statement of Account (Annual/Half Yearly) Free
Issuance of all Currency Cheque books (Any Size) Free
16 BOP Naaz Saving Account

SMS Alerts Free
FOREIGN CURRENCY PRODUCTS

1 FCY Supreme Current Account
On maintaining minimum balance of USD 10,000 or EURO 8,000 or GBP 7,000
Debit Card for PKR Account Issuance & renewal free
Cheque Book 1 free per month
Locker (small & medium) Re 1 on maintaining above mentioned balance for six months.
OBC Facility (in PKR CD Account) Free

Universal Cheque Free
CDR Free
2 FCY Supreme Saving Account

On maintaining minimum balance of USD 15,000 or EURO 12,000 or GBP 10,000
Debit Card for PKR Account Issuance & renewal free
Cheque Book 1 free per month
Locker (small & medium) Re 1 on maintaining above mentioned balance for six months.
OBC Facility (in PKR CD Account) Free

Universal Cheque Free
CDR Free
CONCESSIONAL CHARGES TO STAFF OF BOP
Banking Servic Desription Charges for Staff

Collection made on staff A/c Re.1 per instrument
Only one small size locker is allowed , charges Re.1.16 (inclusive of

Locker rent for staff members FED/PST), for other sizes, full rent on commercial rates will be
received.
Cheque book issuance charges Re.1 per cheque book

Amount maintaining charges on CD A/c only where the average
(except staff members, Zakat committees, students…..)
balance is below Rs.10000 during a month
ADC charges for staff Free
Remittance facility (issuance of UC & CDR) Re.1/- per instrument.(irrespective of the amount)
25/25

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Half Yearly

Schedule of Bank Charges

C INLAND LETTER OF CREDIT

E CHARGES ON MAINTENANCE OF FOREIGN CURRENCY A/Cs

FOREIGN CURRENCY (FCY)

LOCAL CURRENCY (LCY)

I STANDING INSTRUCTIONS FEE

N CHARGES FOR ATM/DEBIT MASTERCARD

O MOBILE BANKING CHARGES

P CHARGES FOR ON-LINE BANKING (CASH/CLEARING/TRANSFER)

Q CHARGES FOR BOP MASTER CREDIT CARD

R BANK CHARGES FOR GOVERNMENT BUSINESS

U SMART ADVANCE CASH

V CONSUMER AUTO LEASE (CARGAR)

Y APNA ROZGAR SCHEME

AB ASHIANA HOUSING FINANCE

AC BOP SHAMSI TAWANAI

AD MERA PAKISTAN MERA GHAR (LOW COST HOUSING)

AF BOP APNI DOKAN

AG BOP KAMYAB KAROBAR

AH BOP SUPPLY CHAIN FINANCE

AI KAMYAB JAWAN YOUTH ENTREPRENEURSHIP SCHEME (KJ-YES)

AJ PUNJAB ROZGAR SCHEME

AK BOP SME Asaan Finance (SAAF)

AL BOP ROSHAN DIGITAL ACCOUNT (RDA)

Features of Specialized Product/Deposit Schemes (Including Waivers/Concessions)

CONCESSIONAL CHARGES TO STAFF OF BOP

· Bank reserves the right to change markup rates.

· Facilities under specialized products/deposit Schemes shall be applicable.

· Charges are negotiable, as per approval terms

I- LETTER OF CREDIT COMMISSION

a) 0.5% per QTR Subsequent QTR 0.45% per QTR

As applicable for opening of fresh LCs, i.e. in item I (1 to 2)

When beneficiary of the LC is changed at the request of the applicant,

2. In case LC not involving Usance bills, such as deferred payment LCs,

2) If retired after 10 and within 20 days from date of negotiation /

II- HANDLING CHARGES

10) Collection 102060402 Rs.1400/- per collection Yes

0.20% Min. Rs.1,500/- (Flat), uptill 1 year and later on the

Rs.1,400/- Per Collection + service charges @0.12% (Minimum Yes

Service charges against import transactions i.e. import bills / PAD

Endorsement of AWB for release of goods under registered contract/

Registration of Contract with SBP in respect of Private Foreign

SBP Approval cases for remittances / import related transactions i.e.

Rs. 1000/-(Flat) + Courier (if applicable)

0.30% flat Minimum Rs. 100/- OR

Confirmation charges for both Foreign and Local banks to be

e) Transfer of Export LCs 102010207 Rs.1,920/- Per LC Yes

f) Reimbursement payment to other local Banks from Non-Resident

If the documents are sent to other Banks for negotiation under

0.20% Min. Rs.1,500/- on realization with no documents handling

Service Charges against Export Documents sent on Collection Basis

For LCY Financing:

C- INLAND LETTER OF CREDIT

1 Inland handling charges 102060405 Rs.1000/- flat Yes

Ps. 44 per Rs.1000/- per day for first 10 days. No

0.50% per quarter Min. Rs. 3,000/-

Rs.1000/- per transaction flat plus commission as above, if

Rs. 1000 (flat) for advising and amendment. Confirmation charges