FCY Current Account

FCY Current Account allows the customer to manage their domestic and international foreign currency
transactions with security, ease and convenience.

Features and Benefits

 Non-profit bearing checking account.

 Account can be opened in US Dollar, Pound Sterling, Euro, Japanese Yen, and Chinese Yuan.

 Minimum balance* equivalent to 100 (USD, GBP, EUR) , 5,000 Yen or 1,000 CNY.

 No restriction on number of monthly deposit or withdrawal transactions.

Alfalah Asaan Remittance Current Account

Receive your remittances in the quickest and most secure way possible- all bundled with convenience in
the Asaan Remittance Current Account.

Salient Features of the Product

 No monthly minimum balance requirement

 First free cheque book (25 leaves)
 Free Classic/PayPak ATM Debit card (issuance and annual fee)
 Free SMS alerts
 Free E-Statements
 Maximum credit limit of Rs.2 million
 Credit allowed through Home remittances from abroad only
 Cash withdrawal limit of Rs.50,000 per day
 Funds transfer limit of Rs.50,000 per day

Alfalah Kamyab Karobar

If you think big, you can win big. And if you have the will to start a business or expand one, Alfalah
Kamyab Karobar is the perfect partner for you.
We believe in people who, like us, are passionate and have a spirit to defy the odds. And our products
are designed to help you on this journey to success.
With Alfalah Kamyab Karobar you get a current account that offers unlimited free transactions. Our
network of over 600 plus online branches can facilitate your business across Pakistan. So set your mind
to your business – where it belongs.
Maintain Rs. 25,000 monthly average balance* and avail:

 Free Cheque Books

 Free Bankers Cheque
 Free SMS on every transaction
 Free (Issuance & Annual Fee) Alfalah Debit Card (Silver & Gold Visa) accepted at over 30 million outlets
and 2 million ATMs worldwide
 Free online transaction (including funds transfer, cash withdrawals & deposits) within Bank Alfalah
branches nationwide
 Free cash withdrawals from any Bank Alfalah ATM
 Free E-statements
 Internet Banking facility enabling you to transfer funds, pay utility/mobile bills, download account
statement and much more
 Access to your account with our 24×7 Alfalah Contact Centre

Alfalah PKR Current Account

Enjoy your everyday banking needs with absolute ease through our non-interest bearing Current
Account, giving you instant access to your cash from any branch across our growing network. It offers
transactional privileges to both individuals and businessmen who have frequent transaction needs and
funds accessibility requirement.

Features & Benefits

 Minimum monthly balance requirement of Rs. 5,000 only*
 Account opening requirement of Rs. 1,000
 First Cheque book free
 Five Bankers Cheque free per month on maintaining an average balance of Rs.50,000 and above. Any
further PO/DD will be charged as per SOC
 No restriction on number of monthly deposit or withdrawal transactions
 Easy access to funds through cheque book and VISA Debit/ATM Card that can be used globally at over
30 million outlets and at more than 2 million ATMs
 Free within city online banking across Bank Alfalah branches

Alfalah Basic Banking Account

If your basic banking requirements do not require multiple monthly cheque transactions, then our non-
interest bearing Basic Banking account may fulfill your day to day banking needs with no minimum
balance requirement or restrictions on ATM withdrawals.
This account facilitates the banking needs of low-income depositors through transaction facility and no
service charges.

Features Benefits
 Open with an initial deposit of Rs. 1,000 only
 No monthly minimum balance requirement
 2 free deposits and 2 free withdrawal transactions every month through cheque
 VISA Debit/ATM Card accepted at over 30 million outlets and more than 1.5 million ATMs worldwide

Alfalah Asaan Account – Current

Opening a bank account doesn’t need to involve too much hassle. With minimal documentation and just
Rs. 100, open your Alfalah Asaan Account today.
 Features and Benefits
 No service charges on non-maintenance
 No minimum balance requirement
 Monthly cash deposit/withdrawal limit of up to Rs. 500,000
 Get your Alfalah Debit Card when you open an account*
 Cheque book available upon request*
 SMS alert on every transaction

Alfalah Asaan Remittance Savings Account

Receive your remittances in the quickest and most secure way possible- all bundled with convenience in
the Asaan Remittance Savings Account.

Salient Features of the Product

 Monthly Profit Payment

 No monthly minimum balance requirement
 First free cheque book (25 leaves)
 Free Classic/PayPak ATM Debit card (issuance and annual fee)
 Free SMS alerts
 Free E-Statements
 Maximum credit limit of Rs.2 million
 Credit allowed through Home remittances from abroad only
 Cash withdrawal limit of Rs.50,000 per day
 Funds transfer limit of Rs.50,000 per day

Alfalah Savings Account

Enjoy your basic banking needs with complete ease while you also start earning profits on your savings
for a more protected tomorrow. This account is tailored for individual savers and businesses who seek
returns on their deposits as well as continuous access to their funds.

Features & Benefits

 Open with an initial deposit of Rs 100 only
 No monthly minimum balance requirement
 Profit is calculated on the average balance
 Profit is paid semi-annually
 No restriction on number of monthly deposit or withdrawal transactions
 Easy access to funds through cheque book and VISA Debit/ATM Card that can be used globally at over
30 million outlets and at more than 2 million ATMs
 Convenience of online banking across all Bank Alfalah branches nationwide

Alfalah Kifayat Monthly Savings Account

 Watch your savings grow
Earn monthly profits with easy accessibility to your savings. Enjoy unlimited deposit and withdrawal
transactions. All this with Alfalah Kifayat Monthly Savings Account.

 Account can be opened individually and jointly

 Tiered based account with higher profits on higher balances
 Pro¬fit calculated on monthly average balance and paid monthly
 Open yours today with just PKR 100
 No minimum monthly balance requirement
 SMS alert on every transaction
 Free monthly E-statements
 Alfalah Debit Card accepted at over 30 million outlets and 2 million ATMs worldwide
 Internet Banking facility enabling you to transfer funds, pay utility/mobile bills, download accounts
statement and much more
 Online transactions within the Bank Alfalah network
 Avail locker facility (small, medium, large) subject to availability at relevant branch. Waiver on locker
subject to balance maintained in the account as per prevailing Schedule of Charges
 Instant access to your funds through our expanding branch network
 Access to your account with our 24×7 Alfalah Contact Centre

Alfalah Care
With the Bank Alfalah Care Senior Citizen Savings Account, you can rest assured that all your basic
banking needs will be met, while you enjoy high returns every month on your savings with the flexibility
of withdrawing your profits at any time.

Features

 Enjoy a high rate of return on your savings

 Enjoy monthly profits, calculated on daily balance basis, paid out monthly in your account
 Open with an initial deposit of just Rs. 100, with no service charges
 No restriction on the number of monthly deposits or withdrawals
 Convenience of online banking across all Bank Alfalah branches nationwide, with no charges for within
city transactions
 SMS alerts and free e-statements
 Easy access to funds through Cheque Book and Debit Card (Visa) accepted at more than 30 million
outlets and 1.9 million ATMs worldwide

Alfalah SnaPack Account

For You
Spend responsibly and get your swag on!
Life is a lot more fun with Alfalah SnaPack Account. Now you don’t need to get your pocket money as
 cash. Get it on a debit card instead – and you’ll never lose it! You can shop for your favourite things, eat
at restaurants and watch movies – making any hang out session with friends a whole lot cooler.

Benefits
 Free Alfalah SnaPack Debit Card for ages 6 to 17 years
 Free monthly e- Statement
 Free SMS alerts

Alfalah Royal Profit

If you have a business that deals with large transaction volumes or if you are an individual looking for
high returns on savings, then our Royal Profit Account is the best choice to meet your daily financial
requirements. It encompasses the flexible features of a current account whilst also giving you the
benefits of a savings account.

Features & Benefits

Account Opening requirement is Rs.100

No minimum monthly balance requirement

Profit is calculated on average balance and paid on a monthly basis.

Higher returns on higher balances

Unlimitled monthly deposit and withdrawal transactions

Avail locker facility (small, medium, large) subject to availability at relevant branch. Waiver on locker
subject to balance maintained in the account as per prevailing Schedule of Charges

Easy access to funds through your cheque book and VISA Debit/ATM Card which can be used globally at
over 30 million outlets and at more than 1.5 million ATM’s

Convenience of online banking across all Bank Alfalah branches nation wide

Alfalah Asaan Account- Savings

Opening a bank account doesn’t need to involve too much hassle. With minimal documentation and just
Rs. 100, open your Alfalah Asaan Account today.

Features and Benefits

 Avail a 6-monthly profit rate on your savings account*
 No service charges on non-maintenance
 No minimum balance requirement
 Monthly cash deposit/withdrawal limit of up to Rs. 500,000
 Get your Alfalah Debit Card when you open an account**
 Cheque book available upon request**
 SMS alert on every transaction**

Alfalah FCY Account- Savings

This account allows the customer to manage their domestic and international foreign currency
transactions with security, ease and convenience.

Features & Benefits

 Account can be opened in US Dollar, Pound Sterling, Euro, Japanese Yen, or Chinese Yuan.
 No minimum balance requirement.
 Profit is calculated on minimum monthly balance and paid on a semi-annual basis.
 No restriction on number of monthly deposit or withdrawal transactions.

Loans
We have designed our loan products keeping your individual needs in mind. With affordable tailor-made
financing options that offer you the flexibility to choose your repayment plans, we help you stay in
control of your finances and make the most of life’s opportunities today.

Alfalah Auto Loan

Be in the driver’s seat when buying the perfect car. Alfalah Auto Loan lets you control your payment
plan.

 You can choose a car that is new, used or imported

 Affordable markup rates to choose from – fixed and variable
 Residual Value option to lower your instalment
 Option to defer Insurance and Registration charges
 Zero changes on Car Replacemnet option
 Financing available up to 7 years tenure
Join the Suzuki Finance Arrangement Program with Bank Alfalah.
Buy a new Sukuzi Mehran, Wagon R, Ciaz, Cultus and Vitara with Alfalah Auto Loan and avail the
following benefits

 Low markup rates

 Fast loan processing
 Loan processing update on SMS
 Priority delivery
 3rd year warranty absolutely free on Ciaz, Cultus & Vitara
 Alfalah Personal Loan
In life, we all fall short sometimes. But for our financial shortfalls, there’s always Alfalah Personal Loan.
Get a solution crafted to your needs for financing up to PKR 2Mn. No collateral required. Processing time
is quick and multiple repayment options are available. And if you are an Alfalah account holder, you get
250 Orbits on signing up for Alfalah Personal Loan.
So don’t fall short. Fall back on Alfalah Personal Loan

Basic Product Features

 Minimum Loan Amount: PKR 50,000/-
 Maximum Loan Amount: PKR 2,000,000/-
 Minimum Tenure: 1 Year
 Maximum Tenure: 5 Years
 No Security required

Why Alfalah Personal Loan?

 Hassle-free processing with minimum documentation
 Affordable markup rates
 Fixed and variable pricing options
o You can opt for a fixed or variable rate of financing based on what suits you best
 Partial prepayment option
o You can lower your instalments by making a partial prepayment of the outstanding principal
o A maximum of 1 partial payment is allowed in a year (a year is equal to 12 instalments from the date of
disbursement). Each partial payment cannot be more than a total of 6 instalments
 Loan top-ups/enhancements for more financing
o You can top up the loan amount based on revised income and repayment history
 Multiple repayment options
o Non-Checking Account
o Direct Debit
o Cross Cheque
o Drop Box
o ATM
o Internet Banking
o Mobile Banking
o Cash Payment at branches
 Multiple income sources allowed for higher loan limits
o You can club more than one source of income to avail a higher loan limit. A maximum of 2 eligible
secondary sources/businesses are allowed
 Balance transfer facility for outstanding personal loan(s) and credit card(s)
o You can better manage your outstanding personal loan(s) and credit card(s) of other banks by
consolidating and transferring them under one instalment loan
 Special Discounts and Minimal Documentation for existing Bank Alfalah account holders and customers
o Existing Bank Alfalah customers and account holders can enjoy discounted rates based on their
relationship tenure, average balance and history with the Bank with minimal documentation
Alfalah Home Finance

Are you looking to buy your own house? Do you have it all figured out?
Saving to buy your first home can be a challenge, but that is why we are here to sort out your financial
woes for you. Not only that, with Bank Alfalah Home Finance you will get personalized services and
competitive rates.

We at bank Alfalah pride in making our customers dream homes come a reality for the last 15 years.

BAFL is a brand name in Housing Finance, offering a wide range of financing solutions and having a
tradition of caring for our clients.

Our expertise equips us to understand our customer’s need, offer advisory services in selecting a future
home and structure a financial plan to work towards owning it.

How it works

Step – 1

Eligibility Assessment:
Contact us to assess your eligibility for Alfalah Home Finance.

Step – 2

Application Submission:
Contact us to assist you in completing your application form and required documents.

Step – 3

Information Verification:
Your information and documents will be verified as per regulatory requirements.

Step – 4

Property Due Diligence:

Property value will be assessed and legal opinion will be sought from the bank’s solicitor.

Step – 5

Facility Offer Letter:

Upon approval of facility “Facility Offer Letter” is given along with the financing terms.
 Step – 6

Other formalities:
Property and Life insurance arrangements are made and an account is opened with Bank Alfalah.

Step – 7

Disbursement of finance
Finance is then disbursed for the purpose.

Financing Options

The key to your dream home

Unlock the door to a home that’s unique to you. There’s a wide range of home finance solutions available
for you at Bank Alfalah. So whether you want to buy, build or renovate your space, there’s something
specific available, just for you.
With Alfalah Home Finance you get:

 Re-payment tenure options from 3 to 20 years

 Inclusion of your spouse or blood relative to enhance your financing eligibility or co-ownership of the
housing unit
 Annual balloon (partial) payment options to assist you to repay the loan quickly
 Life insurance and property insurance to secure the loan and your home respectively
 Legal counseling on property title documents to check the authenticity of the property

Home Buyer
With this facility, you no longer need to just dream about the home you want for yourself and the family.
 Financing starting from PKR 1Mn. with no maximum limit
 Financing up to 70% of the property’s value
 Property independently evaluated for fair market value

Home Buyer
With this facility, you no longer need to just dream about the home you want for yourself and the family.
 Financing starting from PKR 1Mn. with no maximum limit
 Financing up to 70% of the property’s value
 Property independently evaluated for fair market value

Build Your Home

Get financing to construct your home on an empty plot.
 Financing up to 100% of the construction cost
 Financing disbursed in up to 4 tranches (in advance)
 Build Your Home
Get financing to construct your home on an empty plot.
 Financing up to 100% of the construction cost
 Financing disbursed in up to 4 tranches (in advance)