Refinance Scheme for Women Entrepreneurs

Refinance Facility for Modernisation of SME

Working Capital Financing of Small & Low End Medium Enterprise

Value Added Services

Credit Ratings

Pakistan Credit Rating Agency Limited (PACRA) has maintained the Bank's long term entity and short term entity ratings at AAA (Triple A) and A1+ (A One plus), respectively. This long term credit rating AAA (Triple A) denotes the highest credit quality with the lowest expectation of credit risk, and indicates exceptionally strong capacity for timely payment of financial commitments. The ratings of our unsecured, subordinated Term Finance Certificates (TFCs) are AAA (Triple A) for TFC-2018, TFC-2021 and TFC-2022, and AA+ (Double A plus) for TFC-2017 (perpetual) and TFC-2022 (perpetual). These ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments. Further, the TFC-2022 & the TFC-2022 (perpetual) issued in 2022, were listed on Pakistan Stock Exchange (PSX) pursuant to Chapter 5C of PSX Rule Book. The ratings reflect BAHL’s strong performance, exceptional asset quality and healthy financial profile emanating from a strong equity base. The Bank’s business strategy derives strength from its strong positioning in niche market-trade finance. The ratings draw comfort from the Bank’s experienced management team, prudent risk management policies and deep rooted relationship with clients-borrowers as well as depositors. The ratings incorporate the Bank’s abil

Frequently Asked Questions

Debit Card Terms & Conditions

AL Habib Woman Debit Card

Schedule of Charges

2025 Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2024 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2023 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2022 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2021 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2020 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; }

National Financial Literacy Program (NFLP)

Introduction Financial literacy is crucial for individuals to make informed decisions about their money and achieve financial wellness. In Pakistan, the need for financial literacy and wellness is more important than ever. Financial literacy leads to financial inclusion, which is defined as access to formal financial services by individuals & firms to use a range of quality payments, savings, credit and insurance services which meet their needs with dignity and fairness. State Bank of Pakistan launched National Financial Literacy Program (NFLP) to promote financial inclusion through spreading financial education for inclusive economic growth and stability across the country. Bank AL Habib is engaged in empowering citizens to make informed financial decisions through its products, services, and financial literacy initiatives. Enabling Financial Wellness Budgeting Saving Retirement Planning Budgeting Creating and sticking to a budget is essential to achieving financial wellness. In Pakistan, where the average household income is around PKR 45,000 per month, budgeting can help individuals manage their finances effectively. How can you budget? Start by calculating your monthly income and expense Categorize your expenses into fixed and variable Set financial goals and prioritize your spending Use budgeting apps or spreadsheets to track your expenses Saving Saving is a critical component of financial wellness. However, in Pakistan, where the savings rate is only 10.2% of the GDP, it is essential to understand the benefits of saving and develop a saving habit. How can you save on a limited budget? Start by setting realistic saving goals Automate your savings by setting up a standing order Cut down on unnecessary expenses Explore investment options such as savings accounts, fixed deposits, and mutual funds Retirement planning Retirement planning is essential for long-term financial wellness. In Pakistan, where only 10% of the population has a pension plan, it is important to start planning for retirement early. Here are some tips and tricks for retirement planning: Calculate your retirement needs and set retirement goals Start saving for retirement as early as possible Explore retirement plans such as pension plans and individual retirement accounts Review your retirement plan regularly Bank AL Habib`s Initiatives for Your Financial Wellness Current Accounts We offer an array of products and services that help you meet your financial needs. Our current check-in accounts are an ideal option for your day-to-day banking needs. Learn more about our current accounts by clicking here. Saving Accounts Saving accounts provide a convenient option for customers to attain return on savings and an additional monthly income. You can view saving accounts by clicking here. AL Habib Mobile App & Netbanking Facility AL Habib Mobile App allows you to bank on the go. To track your spending, check your transactions through the quick-view of the E statement facility. Use Bookme.pk to reserve participation in lifestyle activities, and save through exclusive deals. Transfer your funds to others and pay bills conveniently without using cash or visiting the Bank branch. Digital Accounts & Account Opening Facility We offer a convenient way to open your bank account digitally in a few simple steps. To open your account digitally, click here National Financial Literacy Program - NFLP Activities With the aim to understand monetary principles, financial products/services, and cultivating positive attitudes toward economic well-being, Bank AL Habib is dedicated to promote financial literacy within the middle and low-income households of Pakistan. Through a series of Classroom Sessions and Street Theaters, in-house trainers are disseminating financial knowledge among the masses and imparting essential financial concepts. This effort has engaged over 8,000 participants encompassing both males and females, opening more than 4,000 accounts during Phase II of the program. Notably, this initiative has led to the active involvement of over 3,500 females, with more than 1,000 females successfully opening their own accounts. View Gallery National Financial Literacy Program (NFLP) Phase II Year 3 The third year of Phase II of the National Financial Literacy Program (NFLP) has commenced, and Bank AL Habib Ltd. has been assigned its targets for this year. Along with classroom sessions and street theaters at the district level, a key focus of this phase is reaching the unbanked population with our simple and seamless digital banking services such as digital account opening process. For more details, please refer to the table below for our targets for FY 2024-2025. NFLP-II Targets for FY2024-25 Districts Classroom Sessions Street Theaters No. of Sessions Beneficiaries No. of Sessions Beneficiaries 36 271 6775 51 3825 Pakistan Financial Literacy Week 2025 Pakistan Financial Literacy Week (PFLW) is dedicated to advancing financial inclusion and literacy. Through a collaborative effort between Bank AL Habib and the State Bank of Pakistan (SBP), PFLW will take place from 14th-18th April, 2025, under the theme "Financial Literacy through Collaboration and Innovation." The objectives of Pakistan Financial Literacy Week (PFLW) are as follows: Promote the adoption of Digital Financial Services to enhance accessibility and convenience. Empower individuals by providing them with the necessary knowledge and skills to make informed financial decisions. Highlight the importance of Financial Education in ensuring financial well-being and security. Foster collaboration among stakeholders to create a more inclusive and resilient financial ecosystem. The following section provides a day-wise breakdown of activities to be conducted during NFLP Week 2025: Day 1: Financial Literacy Camps Day 2: On- Campus Workshops and awareness activities Day 3: Visits at bank branches Day 4: Employee Engagement Activities Day 5: Financial Literacy Walk Click here to download the PFLW Camp Locations. .btn-primary:not(:disabled):not(.disabled):active, .btn-primary:not(:disabled):not(.disabled).active, .show > .btn-primary.dropdown-toggle { border-color: #008b4d; } .nav-pills .nav-link.active, .nav-pills .show > .nav-link { color: #fff; background-color: #00a25a !important; }