SCHEDULE OF SERVICE CHARGES

Effective from 1st July to 31st December, 2024

Copyright 1445 H - 2024, Meezan Bank Limited

All Rights Reserved.
 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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Summary of Revision/ New Charges (Jul-Dec-2024)

Revision / New
Section Description Page
Charges
J – Meezan Kafalah (iii) Kafalah Multiplier Wakalah Fee Revision in Criteria 11
M – Meezan Plus Account New Segment New Segment 15
N – Meezan Roshan Digital Account (i) Inward Foreign Remittance New Charges 16
(i) Domestic Vehicle – Upfront
Revision in Charges
Processing Fee
O – Ijarah 16
(iii) Fleet Ijarah – Upfront Processing
Revision in Charges
Fee
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TABLE OF CONTENTS

A - IMPORT 2
B - INLAND LETTER OF CREDIT 5
C - GUARANTEES 6
D - EXPORT 7
E - FINANCES 8
F - FOREIGN REMITTANCES 9
G - FOREIGN BILLS 9
H - BRANCH BANKING 10
I - LOCAL REMITTANCES 11
J - MEEZAN KAFALAH 11
K - ADC SERVICES 12
L - MEEZAN PREMIUM BANKING 14
M - MEEZAN PLUS ACCOUNT 15
N - MEEZAN ROSHAN DIGITAL ACCOUNT 16
O - IJARAH 16
P - EASY HOME - ISLAMIC HOUSING FINANCE 17
Q - LABBAIK TRAVEL AASAAN 17
R - MEEZAN CONSUMER EASE 17
S - MEEZAN APNI BIKE 17
T - MERA PAKISTAN MERA GHAR (MPMG) 18
U - COMMUNICATION TARIFF 18
V - CAPITAL MARKET 18
W - MEEZAN SMART 19
X - OUT OF POCKET EXPENSES 19
Y - INTRODUCTION OF NEW SERVICES 19
Z - IMPORTANT NOTES 19
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Note:

The service charges mentioned in this schedule are for various types of valid / compensatory services
rendered by the bank on different transactions.

As per the guidance of our Shariah Supervisory Board, it is not allowed to charge a fee/commission merely
against issuance of any financial commitment or guarantee, as these commitments are Uqood–e- Ghair
Muawada or non-compensatory in nature. However, it is allowed to charge a fee, if additional related
services are also rendered/ performed by the bank.

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A - Import (i) Letter of Credit

Amount in PKR
Amount Range 1st Quarter or part Subsequent quarters
From To thereof or part thereof
Amount Upto 500,000 2,500 1,250
500,001 800,000 3,250 1,625
800,001 1,000,000 4,500 2,250
1,000,001 1,500,000 6,250 3,125
1,500,001 2,000,000 8,750 4,375
2,000,001 2,500,000 11,250 5,625
2,500,001 3,000,000 13,750 6,875
3,000,001 3,500,000 16,250 8,125
3,500,001 4,000,000 18,750 9,375
4,000,001 4,500,000 21,250 10,625
4,500,001 5,000,000 23,750 11,875
5,000,001 5,500,000 26,250 13,125
5,500,001 6,000,000 28,750 14,375
6,000,001 6,500,000 31,250 15,625
6,500,001 7,000,000 33,750 16,875
7,000,001 7,500,000 36,250 18,125
7,500,001 8,000,000 38,750 19,375
8,000,001 8,500,000 41,250 20,625
8,500,001 9,000,000 43,750 21,875
9,000,001 9,500,000 46,250 23,125
9,500,001 10,000,000 48,750 24,375
10,000,001 12,500,000 56,250 28,125
12,500,001 15,000,000 68,750 34,375
15,000,001 17,500,000 81,250 40,625
17,500,001 20,000,000 93,750 46,875
20,000,001 22,500,000 106,250 53,125
22,500,001 25,000,000 118,750 59,375
25,000,001 27,500,000 131,250 65,625
27,500,001 30,000,000 143,750 71,875
30,000,001 32,500,000 156,250 78,125
32,500,001 35,000,000 168,750 84,375
35,000,001 37,500,000 181,250 90,625
37,500,001 40,000,000 193,750 96,875
40,000,001 42,500,000 206,250 103,125
42,500,001 45,000,000 218,750 109,375
45,000,001 47,500,000 231,250 115,625
47,500,001 50,000,000 243,750 121,875
50,000,001 52,500,000 256,250 128,125
52,500,001 55,000,000 268,750 134,375
55,000,001 57,500,000 281,250 140,625
57,500,001 60,000,000 293,750 146,875
60,000,001 62,500,000 306,250 153,125
62,500,001 65,000,000 318,750 159,375
65,000,001 67,500,000 331,250 165,625
67,500,001 70,000,000 343,750 171,875
70,000,001 72,500,000 356,250 178,125
72,500,001 75,000,000 368,750 184,375
75,000,001 77,500,000 381,250 190,625
77,500,001 80,000,000 393,750 196,875
80,000,001 82,500,000 406,250 203,125
82,500,001 85,000,000 418,750 209,375
85,000,001 87,500,000 431,250 215,625
87,500,001 90,000,000 443,750 221,875
90,000,001 92,500,000 456,250 228,125
92,500,001 95,000,000 468,750 234,375
95,000,001 97,500,000 481,250 240,625
97,500,001 100,000,000 493,750 246,875
Minimum charges Rs. 1,500/-
 The Shariah Supervisory Board of Meezan Bank has allowed the bank to charge a fee against L/C opening related services
such as documentation, credit assessment, correspondence, accounts maintenance, monitoring etc.
 All L/C amount exceeding Rs.100Million shall attract additional service charges of Rs.5,000/- (First Quarter) per Rs. 1Million
each (or part thereof).and Rs.2,500/- (for Subsequent Quarter).
 Rs.1,200/- (flat) will be charged per amendment and service charges as above, if amendment involves increase in amount or
extension in period of validity of L/C.
 Discount may be offered to customers in the above-mentioned service charges subject to the Management's approval.

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A (ii) - Acceptance of Bills under Letter of Credit Amount in PKR

Acceptance Amount Range Per Month
From To or part thereof
500,001 800,000 1,000
800,001 1,000,000 1,350
1,000,001 1,500,000 1,900
1,500,001 2,000,000 2,600
2,000,001 2,500,000 3,400
2,500,001 3,000,000 4,100
3,000,001 3,500,000 4,800
3,500,001 4,000,000 5,600
4,000,001 4,500,000 6,400
4,500,001 5,000,000 7,200
5,000,001 5,500,000 7,900
5,500,001 6,000,000 8,600
6,000,001 6,500,000 9,300
6,500,001 7,000,000 10,100
7,000,001 7,500,000 10,800
7,500,001 8,000,000 11,600
8,000,001 8,500,000 12,400
8,500,001 9,000,000 13,200
9,000,001 9,500,000 13,900
9,500,001 10,000,000 14,700
10,000,001 12,500,000 16,800
12,500,001 15,000,000 20,600
15,000,001 17,500,000 24,300
17,500,001 20,000,000 28,100
20,000,001 22,500,000 31,900
22,500,001 25,000,000 35,600
25,000,001 27,500,000 39,300
27,500,001 30,000,000 43,100
30,000,001 32,500,000 46,800
32,500,001 35,000,000 50,500
35,000,001 37,500,000 54,300
37,500,001 40,000,000 58,000
40,000,001 42,500,000 61,700
42,500,001 45,000,000 65,500
45,000,001 47,500,000 69,200
47,500,001 50,000,000 73,000
50,000,001 52,500,000 76,800
52,500,001 55,000,000 80,600
55,000,001 57,500,000 84,400
57,500,001 60,000,000 88,200
60,000,001 62,500,000 92,000
62,500,001 65,000,000 95,800
65,000,001 67,500,000 99,400
67,500,001 70,000,000 103,100
70,000,001 72,500,000 106,800
72,500,001 75,000,000 110,600
75,000,001 77,500,000 114,300
77,500,001 80,000,000 118,000
80,000,001 82,500,000 121,800
82,500,001 85,000,000 125,600
85,000,001 87,500,000 129,400
87,500,001 90,000,000 133,100
90,000,001 92,500,000 136,900
92,500,001 95,000,000 140,600
95,000,001 97,500,000 144,300
97,500,001 100,000,000 148,100
Minimum Rs. 1,000/-
 The above-mentioned service charges are related to the services rendered by the bank at the time of acceptance such as monitoring,
document checking/scrutiny etc.
 All acceptance amounts exceeding Rs.100Million shall attract additional service charges of Rs.1500/- (monthly) per Rs. 1Million
each (or part thereof).
 Discount may be offered to customers in the above-mentioned service charges subject to the Management's approval.
Note: If maturity of the bill falls within the validity of L/C, then no acceptance will be charged. But if the bill falls due for payment
beyond the validity of the L/C, then the above services charges will be charged from the date of the expiry of the L/C till date of
actual retirement of the bill.

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(iii) Airway bill endorsement / Issuance of Rs. 1,800/- (Flat)

Shipping Guarantee
(iv) Retirement of Bill (Foreign / Local) 0.15%, minimum Rs. 1500/-
(v) Registration of contract for Import on 0.15%, minimum Rs. 2,000/-
consignment basis
(vi) Amendment to Contract registration Rs.1,200/- (Flat)
(vii) Acceptance for Import on consignment 0.15%, minimum Rs. 500/-
(Contract) basis
(viii) Clearing of goods without any prior 0.25% of the C & F value of the imported goods,
arrangement under Import L/C minimum Rs. 750/-
(ix) Credit Information report including Credit At actual
Report on Foreign Suppliers/Buyers
(x) Import Documents return Unpaid USD 100/- from forwarding bank
(xi) Correspondents’ reimbursement charges At actual
(xii) Remittance against import without 0.15%, minimum Rs. 1,500/-
opening of L/C / Registration of Contract Plus, Swift / FDD Charges
(xiii) L/C Revalidation As per A (i) above
(xiv) L/C Cancellation Rs. 2,000/- Plus SWIFT charges
(xv) Profit on Spot L/C Murabaha Rs. 100/- (Minimum)
(xvi) Profit on PAD Murabaha / Musawammah As per credit approval
(xvii) Duty Draw back (DLTL) / Freight 0.25%, Min Rs. 1,000/-
subsidy/Any other import related subsidy
claim
(xviii) In case of discrepency message send to USD 65/- (or equivalent) to be recovered from
negotiating bank if discrepant documents the negotiating bank at the time of payment
are presented Rs.1,000/- in case of inland letter of credit
(xix) Handling of Import Usance bill under L/C Rs.1,000/- (Flat)
(xx) Handling charges on Import Account Rs.1,500/-
Payments / Import Collection documents
whether under contract or not / Import
Advance Payments
(xxi) Financial Instrument Handling Charges Rs. 100/- per request
(xxii) Financial Instrument Transfer Rs. 500/- per request
(xxiii) Issuance of Freight Certificate for Imports Rs. 1000/-
on FOB
(xxiv) FOC (Free of Cost) F.I Rs. 1,200/- per FOC
(xxv) L/C by Full SWIFT Rs. 1,800/-
(xxvi) L/C Amendment by SWIFT Rs. 750/-
(xxvii) Correspondent / Payments through Rs. 750/-
SWIFT charges

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B - Inland Letter of Credit Amount in PKR

Amount Range Per Quarter or part Subsequent quarter
From To thereof or part thereof
200,001 500,000 3,150 1,575
500,001 800,000 5,850 2,925
800,001 1,000,000 8,100 4,050
1,000,001 1,500,000 11,250 5,625
1,500,001 2,000,000 15,750 7,875
2,000,001 2,500,000 20,250 10,125
2,500,001 3,000,000 24,750 12,375
3,000,001 3,500,000 29,250 14,625
3,500,001 4,000,000 33,750 16,875
4,000,001 4,500,000 38,250 19,125
4,500,001 5,000,000 42,750 21,375
5,000,001 5,500,000 47,250 23,625
5,500,001 6,000,000 51,750 25,875
6,000,001 6,500,000 56,250 28,125
6,500,001 7,000,000 60,750 30,375
7,000,001 7,500,000 65,250 32,625
7,500,001 8,000,000 69,750 34,875
8,000,001 8,500,000 74,250 37,125
8,500,001 9,000,000 78,750 39,375
9,000,001 9,500,000 83,250 41,625
9,500,001 10,000,000 87,750 43,875
10,000,001 12,500,000 101,250 50,625
12,500,001 15,000,000 123,750 61,875
15,000,001 17,500,000 146,250 73,125
17,500,001 20,000,000 168,750 84,375
20,000,001 22,500,000 191,250 95,625
22,500,001 25,000,000 213,750 106,875
25,000,001 27,500,000 236,250 118,125
27,500,001 30,000,000 258,750 129,375
30,000,001 32,500,000 281,250 140,625
32,500,001 35,000,000 303,750 151,875
35,000,001 37,500,000 326,250 163,125
37,500,001 40,000,000 348,750 174,375
40,000,001 42,500,000 371,250 185,625
42,500,001 45,000,000 393,750 196,875
45,000,001 47,500,000 416,250 208,125
47,500,001 50,000,000 438,750 219,375
50,000,001 52,500,000 461,250 230,625
52,500,001 55,000,000 483,750 241,875
55,000,001 57,500,000 506,250 253,125
57,500,001 60,000,000 528,750 264,375
60,000,001 62,500,000 551,250 275,625
62,500,001 65,000,000 573,750 286,875
65,000,001 67,500,000 596,250 298,125
67,500,001 70,000,000 618,750 309,375
70,000,001 72,500,000 641,250 320,625
72,500,001 75,000,000 663,750 331,875
75,000,001 77,500,000 686,250 343,125
77,500,001 80,000,000 708,750 354,375
80,000,001 82,500,000 731,250 365,625
82,500,001 85,000,000 753,750 376,875
85,000,001 87,500,000 776,250 388,125
87,500,001 90,000,000 798,750 399,375
90,000,001 92,500,000 821,250 410,625
92,500,001 95,000,000 843,750 421,875
95,000,001 97,500,000 866,250 433,125
97,500,001 100,000,000 888,750 444,375

Minimum charges Rs. 1,500/-

 The Shariah Supervisory Board of Meezan Bank has allowed the bank to charge a fee against L/C related services such as
documentation, credit assessment, correspondence, accounts maintenance, monitoring etc.
 All L/C amount exceeding Rs. 100Million shall attract additional service charges of Rs. 9,000/- (First Quarter) per Rs.
1Million each (or part thereof) and Rs. 4,500/- (for Subsequent Quarter).
 Rs.1,200/- (flat) will be charged per amendment and service charges as above, if amendment involves increase in amount
or extension in period of validity of L/C.
 Discount may be offered to customers in the above-mentioned charges subject to the Management's approval.

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C - Guarantees Amount in PKR

Guarantee Amount Range Per quarter charges Subsequent quarter
From To or part thereof or part thereof
Amount Upto 500,000 4,000 2,000
500,001 800,000 5,200 2,600
800,001 1,000,000 7,200 3,600
1,000,001 1,500,000 10,000 5,000
1,500,001 2,000,000 14,000 7,000
2,000,001 2,500,000 18,000 9,000
2,500,001 3,000,000 22,000 11,000
3,000,001 3,500,000 26,000 13,000
3,500,001 4,000,000 30,000 15,000
4,000,001 4,500,000 34,000 17,000
4,500,001 5,000,000 38,000 19,000
5,000,001 5,500,000 42,000 21,000
5,500,001 6,000,000 46,000 23,000
6,000,001 6,500,000 50,000 25,000
6,500,001 7,000,000 54,000 27,000
7,000,001 7,500,000 58,000 29,000
7,500,001 8,000,000 62,000 31,000
8,000,001 8,500,000 66,000 33,000
8,500,001 9,000,000 70,000 35,000
9,000,001 9,500,000 74,000 37,000
9,500,001 10,000,000 78,000 39,000
10,000,001 12,500,000 90,000 45,000
12,500,001 15,000,000 110,000 55,000
15,000,001 17,500,000 130,000 65,000
17,500,001 20,000,000 150,000 75,000
20,000,001 22,500,000 170,000 85,000
22,500,001 25,000,000 190,000 95,000
25,000,001 27,500,000 210,000 105,000
27,500,001 30,000,000 230,000 115,000
30,000,001 32,500,000 250,000 125,000
32,500,001 35,000,000 270,000 135,000
35,000,001 37,500,000 290,000 145,000
37,500,001 40,000,000 310,000 155,000
40,000,001 42,500,000 330,000 165,000
42,500,001 45,000,000 350,000 175,000
45,000,001 47,500,000 370,000 185,000
47,500,001 50,000,000 390,000 195,000
50,000,001 52,500,000 410,000 205,000
52,500,001 55,000,000 430,000 215,000
55,000,001 57,500,000 450,000 225,000
57,500,001 60,000,000 470,000 235,000
60,000,001 62,500,000 490,000 245,000
62,500,001 65,000,000 510,000 255,000
65,000,001 67,500,000 530,000 265,000
67,500,001 70,000,000 550,000 275,000
70,000,001 72,500,000 570,000 285,000
72,500,001 75,000,000 590,000 295,000
75,000,001 77,500,000 610,000 305,000
77,500,001 80,000,000 630,000 315,000
80,000,001 82,500,000 650,000 325,000
82,500,001 85,000,000 670,000 335,000
85,000,001 87,500,000 690,000 345,000
87,500,001 90,000,000 710,000 355,000
90,000,001 92,500,000 730,000 365,000
92,500,001 95,000,000 750,000 375,000
95,000,001 97,500,000 770,000 385,000
97,500,001 100,000,000 790,000 395,000
Minimum service charges for issuance / amendment of guarantees are Rs.2,000/- flat.
 The Shariah Supervisory Board of Meezan Bank has allowed the bank to charge a fee against services rendered at the time of issuance
of Letter of Guarantee such as documentation, credit assessment, correspondence, accounts maintenance, monitoring etc.
 All guarantees amount exceeding Rs. 100Million shall attract additional service charges of Rs.8,000/- per Rs. 1Million each (per
quarter or part thereof) + Rs.4,000/- subsequent quarters.
 Rs.1,000/- (flat) will be charged per amendment plus service charges as above, if amendment involves increase in amount or
extension in period of validity of Guarantee.
 Rs. 1,000/- flat will be charged for Guarantee issued to Shipping Companies.
 Charges for guarantees issued on behalf of bank (correspondent/local/foreign) under their counter guarantees may be negotiated on
case-to-case basis at the sole discretion of the bank on the basis of above slabs.
 Claim handling charges Rs. 2,500/- (flat)
 Discount may be offered to customers in the above-mentioned charges subject to the Management's approval.

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D - Exports
(i) Letter of Credit
(a) Advising Rs.1,500/- for customers
Rs.2,500/- for non-customer
(b) Amendment Rs.1,200/- for customers
Rs.1,500/- for non-customer
(c) Confirmation, Advising & Maximum - case to case basis
Miscellaneous charges Minimum - Rs.250/- per quarter
(d) Transfer of export L/Cs Rs.1,500/- (Flat)
(ii) Documents sent to other local Banks Rs.1,000/- (Flat)
under restricted Letters of Credit
(iii) Duty Draw back (DLTL) / Freight 0.25% Min Rs. 1,000/-
subsidy/Any other export related
subsidy claim
(iv) Collections
(a) Clean Rs.100/- (Flat)
(b) Documentary Local 0.25%, minimum Rs.1,000/-

(v) Service Charges against export Paisa 20 per Rs.100 (Rs.2/- per mile)
document handling and proceeds Min Rs.2,000/-
realization (whether transferred to (Excluding proceeds received against software exports)
another local bank or not)
(vi) Handling of IERF/ILTFF/IFRE For IERF application - Rs. 600/-
application For ILTFF application - Rs. 2,000/-
For IFRE application - Rs. 2,000/-
(vii) Export Performance Verification Rs.1,000/- per EE-Form
(viii) Issuance of EE NOC to other banks Rs.1,000/- per Case
(ix) Handling of Substitution Cases Rs.500/- per Case
under IERS Part I
(x) Financial Instrument Transfer to Rs.500/-
other bank
(xi) Handling charges on collection of Rs.100/- (to be collected at the time of realization
Export Development Surcharge of export proceeds)
(xii) Export Advance Payment Paisa 20 per Rs.100 (Rs.2/- per mile)
Min Rs.2,000/-
(xiii) Service Charges for document Rs.1,000/- per Export Bill For all Overdue Bills
handling & reporting to SBP for (Subject charges will not apply where Istisna /
Overdue Export Bill Tijarah is involved)
(xiv) Assignment of Proceeds to Other Rs.1,200/- (Subject charges will not apply where
Banks and upfront document Istisna / Tijarah involved)
handling
(xv) Handling of Documents Submission Rs. 500/- (Subject charges will not apply where
to SBP against Export Advance Istisna / Tijarah involved)
Payment
(xvi) Issuance of Financial Instrument Rs. 100/- per Financial Instrument (F.I)
(xvii) Correspondence / SWIFT charges Rs. 750/-
(xviii) International Courier At actual, minimum Rs. 7,000/- per 500 grams

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E - Finances
Following charges will be recovered in addition to profit on financing.
(i) Arrangement, servicing fee and As per agreed terms
marketing fee etc.
(ii) Stamp duty on legal agreements, At actual
valuation charges, search report
charges & legal charges
(iii) Issuance of delivery order against Rs. 600/- per delivery order (upto 50% waiver at
pledge discretion of Regional Manager)
(iv) Godown rent & mucaddum charges Actual
(v) Charges on Inspection of Stock, not Conducted by the bank's officer:
owned by bank -Within city:
Rs. 1,200/- for SME/Commercial Clients
Rs. 2,400/- for Corporate Clients
-Outside city - At actual
Conducted by External Vendor: At actual
(vi) Other incidental expenses like At actual
insurance premium / takaful
contribution etc.
(vii) Profit on early sale (Termination) of As per terms agreed between customer and bank
Ijarah Assets
(viii) Redemption of property. Fee to be Rs. 2,500/- Flat per property plus legal / vendor
recovered from the party when bank fees)
officers are called before Registrar
for redemption
(ix) Registration with SECP & Lawyer's At actual (Inclusive of legal / vendor fees)
charges for both Private & Public
Ltd. Cos. where charge on
current/fixed assets is registered
(x) Registration of charge at Registrar's At actual (Inclusive of legal / vendor fees) plus
office. For Partnership/ PKR 1,200/- per case
Proprietorship firms/ individual
finances for mortgage
(xi) Marking lien on securities issued by At actual
other institutions
(xii) Balance confirmation to Auditors Rs.600/- Flat per Certificate

(xiii) Agri Finance:

Processing charges* on fresh facility Development Finance:
and renewal of short-term facility Rs.3,000/- Flat (Per Tractor)
Non-Farm & Non-Development Finance:
Rs.5,000/- (Flat)

(xiv) Commercial Property Finance under Processing Fee* : Rs.6,000/-

Program Based Financing Other Charges (Documentation, Valuation,
where applicable) - At actual

(xv) Commercial Ijarah (Equipment/ Processing Fee* : Rs.3,500/-

Machinery/Vehicle) under Program Other Charges (Documentation, Valuation,
Based Financing where applicable) - At actual
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(xvi) Processing, structuring and advisory

fees*. In case of renewal, it will be
applicable on Short Term Facility

For SME/Commercial Customers: For Corporate Customers:

Facilities in Fee Facilities in
Fee (PKR actual)
Millions upto (PKR actual) Millions upto
10 5,000 40 20,000
20 10,000 80 40,000
40 20,000 200 100,000
50 25,000 300 150,000
100 50,000 500 250,000
150 75,000 1,000 500,000
300 150,000 3,000 1,000,000
400 200,000 5,000 1,500,000
400 plus 250,000 10,000 2,000,000
10,000 plus 2,500,000
*Processing Fee is applicable upfront to every customer whether case gets approved or not.

F - Foreign Remittances
(i) Outward:
(a) Foreign Demand Draft (FDD) US$ 15/- OR equivalent including SWIFT Charges
(b) Foreign Telegraphic Transfer US$ 30/- OR equivalent plus SWIFT charges
(FTT)
0.50% additional charges on amount withdrawn via
FTT/FDD/Conversion/Transfer/Inward Clearing,
within 15 days of FCY Cash deposit.
ONLY for Trade Transactions: USD 35/- additional
if customer wants to bear intermediary charges

(c) Foreign Telegraphic Transfer USD 10/- Flat

(FTT) for Hajj/Umrah Operators

(ii) Correspondent Bank Charges on At Actual

Inward Remittances

(iii) Cancellation Charges of FDD US$ 10/- OR equivalent Plus SWIFT charges
(iv) Stop Payment Charges of FDD US$ 10/- OR equivalent Plus SWIFT charges

G - Foreign Bills
(i) Outward Bills for Collection 0.5% minimum Rs.300/- maximum Rs.1,500/-
(Not related to Export payments) * plus, Courier & SWIFT Charges, if applicable
(ii) FOBC Return At Actual
(Irrespective of reason)
(iii) Inquiry / correspondence regarding Rs.500/- as SWIFT Charges
FOBC sent for collection
(iv) Inward Bills for Collection USD 10/- including SWIFT Charges

(v) Correspondent’s Charges, if any At actual

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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NOTE:
 Collecting agent’s charges, if the collecting bank is other than our branch will be additional.
 Any other charges will be extra if fate of the instrument is asked for by SWIFT/Telegram/on telephone.
H – Branch Banking
(i) Outward Bills for collection Rs. 400/- per item Plus Courier charges
(OBC) Lodgment
(ii) Inward Bills for collection (IBC) Rs. 400/- per item Plus Courier Charges
(iii) Issuance of Cheque Return Memo Rs. 500/- (Flat) per Cheque (local & online)
with reason of insufficient funds in
Inward Clearing/ Fund Transfer/
Cash Counter
(iv) Standing Instruction Fee Rs. 200/- per execution (Standing instructions
fee will be recovered in addition to the usual
charges on remittances, if any)
(v) Providing duplicate Debit/Credit Rs. 50/- per item.
advices, additional copies of L/C’s
SWIFT etc.
(vi) Issuance of Performance Rs. 100/- per item
Certificate or verification of
statement except EE & EF form
(vii) Balance confirmation to Auditors Rs. 300/- (Flat)
(viii) Account Closure NIL
(ix) Any type of certificate issued Rs. 300/- per certificate (No charges will be
regarding business dealing with applied if certificate issued for Zakat or
the bank Withholding Tax deducted at source)
(x) Issuance of Proceeds Realization Within one year - FREE
Certificate (PRC) Over the period one year – Rs.500/-
(Free for Home Remittance Customers) Duplicate PRC – Rs.700/-

(xi) Registration/permits of student Rs. 3,000/- (registration/first year)

cases Rs. 2,000/- (subsequent per year)
(xii) Cheque Book Issuance Free

(xiii) Cheque Book Safekeeping & Rs.7/- per leaf (If customer did not collect
Destruction Charges cheque book within 60 days from issuance date)

(xiv) Outward Clearing Lodgment:

US Dollar Clearing USD 5/- (Flat) per instrument
Same Day Clearing Rs. 500/- (Flat) per instrument
Intercity Clearing Rs. 300/- (Flat) per instrument

(xv) Duplicate Statement of Account Rs. 25/- per item

(xvi) Cheque Stop Payment Rs. 300/- for one cheque

Rs. 600/- more than one cheque

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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(xvii) LOCKERS:
Key Deposit – Refundable Rs. 5,000/- one time
Small Locker Rent Rs. 5,000/- per annum
Medium Locker Rent Rs. 6,000/- per annum
Large Locker Rent Rs. 7,500/- per annum
Locker breaking charges At actual
(xviii) Retrieval of Old Records:
Up to 01-year-old Rs. 200/- per cheque / voucher
Over 01 year & below 03 years old Rs. 300/- per cheque / voucher
03 years old and above Rs. 500/- per cheque / voucher

(xix) Settlement of 3rd Party Fund

Transfer through PRISM (RTGS)
Multiple Credit Transfer - MT 102 Free*
Single Credit Transfer - MT 103 Free*
* SBP has suspended charges till further instructions

(xx) Cash Management Transactions All charges for Cash Management Products
Banking Collection / (Collection & Payment) will be decided on a
Disbursement / Electronic case-to-case basis through agreement between
Banking the customer and the bank.

(xxi) Investor Portfolio Security (IPS) 0.025% of average investment amount for the
Account Holding Charges (to be last six months
recovered on semi-annual basis) Min Rs.1,500/- Max Rs.7,500/-

I - Local Remittances
(i) Drafts Drawn on HBL:
(a) Up to Rs. 100,000 Rs.200/- (Flat)
(b) Over Rs. 100,000 0.1%, minimum Rs. 500/-
(ii) Pay order Issuance Free
(iii) Instrument Cancellation charges Rs.300/- (Flat) per Pay order / Demand Draft
(iv) Stop Payment charges:
(a) Pay order / CDR Rs.300/- (Flat) per instrument
(b) Demand Draft (Local) Rs.300/- per instrument Plus Courier charges
(v) Issuance of Duplicate Pay order Rs.250/- (Flat) per instrument

J – Meezan Kafalah
(i) Wakalah Fee* 5% of first year annual contribution
(ii) Takaful Charges At Actual
(iii) Kafalah Multiplier Wakalah Fee* 5% of initial investment
(iv) Kafalah Multiplier Takaful Fee At Actual

*Wakalah Fee may be waived, if plan continues for more than 3 years.

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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K - ADC Services
(i) Meezan VISA Debit Card Classic Card - Rs.2,400/- per annum
Gold Card - Rs.2,800/- per annum1
Platinum Card - Rs.6,000/- per annum
Infinite Card - Rs.30,000/- per annum

(ii) Meezan MasterCard Debit Card Classic Card - Rs.2,400/- per annum
Titanium Card - Rs.4,000/- per annum
World Card - Rs. 18,000/- per annum
FCY Debit Card - USD 15/- per annum
(iii) Meezan Women First VISA Debit Card Rs. 500/- for first issuance
Rs. 2,400/- per annum for subsequent years
(iv) Meezan Kids & Teens VISA Debit FREE for first issuance
Card Rs.1,100/- per annum for subsequent years
(v) Meezan PayPak Debit Card Rs.1,600/- per annum
(vi) Card Replacement Charges Same as Annual Charges
Complementary for Meezan VISA Infinite Debit Card
(vii) Supplementary Card Charges Same as Annual Charges
(viii) Debit Card Digital Token Fee Free
(ix) Cash Withdrawal – Meezan ATM Free
Cash Withdrawal – 1Link/MNET ATM Rs.23.44/- per transaction
(x) Balance Inquiry - 1Link/MNET ATM Rs.5/- per inquiry
(xi) Cash Withdrawal - International ATM 4% of Amount or Rs.600 whichever is higher
(xii) Cash Withdrawal – FCY Debit Card 4% of Amount or USD 3 whichever is higher
(xiii) Balance Inquiry – FCY Debit Card USD 1/- per inquiry
(xiv) Balance Inquiry - International ATM Rs.300/- per inquiry
(xv) Cash Withdrawal by International Card USD 5/- per transaction
on Meezan ATM
(xvi) Balance Inquiry by International Cards USD 1/- per inquiry
on Meezan ATM
(xvii) ATM Receipt on other bank ATMs Rs. 2.5/- per receipt
(xviii) Purchase Domestic Free
Purchase International 4% of transaction amount
(e-Commerce, POS & NFC)
(xix) Arbitration charges / false charge back USD 500/- or PKR equivalent per case
(Local & International)
(xx) Document retrieval charges Rs.200/- per document for local transactions
Rs.1,000/- per document for international transactions
(xxi) Complete SMS Alerts Subscription Rs.1,500/- Individual & Sole-Proprietorship A/c
PKR Accounts - Annual Charges Rs.4,500/- Company Account
Free service for Meezan Senior Citizen Account
(xxii) SMS Alerts on Digital Transactions Free
(xxiii) Complete SMS Alerts Subscription USD 5 or eqv. - Individual & Sole-Proprietorship A/c
FCY Accounts - Annual Charges USD 10 or eqv. - Corporates & Partnership A/c

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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(xxiv) Interbank Fund Transfer Facility Free IBFT - up to Rs.25,000/- per month.
(IBFT) For additional amount above Rs. 25,000 per month,
0.1% of the transaction amount or Rs. 200, whichever is
lower
(xxv) Biometric ATM withdrawal / session Rs.15/- per session
(xxvi) Bill Payment Service (Internet Beaconhouse School – Rs.25/- per transaction
Banking, Mobile App & ATM)
(xxvii) Pay anyone Rs.100/- per transaction
(xxviii) Express Card Delivery Fee Rs.200/-
(xxix) POS Acquiring:
Merchant Discount Charges Up to 2.5% (Negotiable)
Rent per POS per month Up to Rs. 5,000/- (Negotiable)
(xxx) E-Commerce Acquiring:
Merchant Discount Charges Up to 3% (Negotiable)
One Time Merchant on-boarding fee Up to Rs. 50,000 (Negotiable)
Annual Charges Up to Rs. 30,000 (Negotiable)

*1 Waiver for Meezan Senior Citizen Account on Meezan Visa Gold Debit Card issuance charges (Valid for first card only). Annual / Replacement / Renewal charges will be applicable as per the
Bank's Schedule of Charges (SOC). For rest of the debit cards, charges will be applicable as per prevailing SOC.

Note:
- The Bank may discontinue/suspend the ADC Services due to non-payment/non-recovery of associated charges.
- All charges are exclusive of FED
- Premium customers will be offered one supplementary card free of charge. For additional supplementary cards, charges will
be applied as per SOC.
- Conversion rate on international transactions will be either inter-bank rate or open market rate as per the prevailing regulatory
instructions enforced
- All international charges are settled in USD.
- In addition to this, Advance Tax on international transactions will be applied as follows: Filer: 5% & Non-Filer: 10%

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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L - Meezan Premium Banking

Membership Criteria
Premium Banking services are offered by the Bank at its sole discretion to customers (including Current and Savings
account-holders) who maintain any of the following quarterly average balance.

Criteria for Criteria for Criteria for Criteria for

Account Category Individual & Sole Partnership Roshan Digital Salaried
Proprietors entities* Customers** Customers
Checking Accounts Equivalent to PKR 3 Equivalent to PKR Equivalent to PKR Customers with gross
(Including Kafalah) Million or more 10 Million or more 3 Million or more salary of PKR
750,000 or more,
Checking Accounts & Equivalent to PKR 5 Equivalent to PKR Equivalent to PKR being credited in
Term Deposit Certificates Million or more 10 Million or more 5 Million or more Meezan Payroll
Partner (MPP)
Checking Accounts,
Accounts are eligible
Term Deposit Certificates Equivalent to PKR
Not Applicable Not Applicable for Premium
& Islamic Naya Pakistan 10 Million or more
Banking irrespective
Certificates
of Deposit Balance.
Roshan Apna Ghar Equivalent to PKR
Not Applicable Not Applicable
(Disbursed Amount) 8 Million or more
* Partnership Entities will be offered Basic Banking Services with limited Premium Banking offers. In addition, the partners may also be able to enjoy
all Premium Services on their individual Accounts
** Only for Roshan Digital Account. For Roshan Resident customers, criteria for Individual & Sole Proprietors will be applicable

Note: Premium Banking Services may be discontinued if the required criteria are not maintained. Subsequently, charges for services shall be levied as
per the Bank’s prevailing Schedule of Charges.

Free Basic Banking Services

a. Free ADC Services
1. Meezan Visa Infinite Card charges are waived for Premium Customers maintaining average monthly balance of Rs.15 million
in checking accounts or Rs. 20 million in Checking Accounts & Term Deposit Certificates
2. Meezan MasterCard World Card charges are waived for Premium Customer maintaining average monthly balance of Rs.5
million in checking accounts or Rs. 7 million in Checking Accounts & Term Deposit Certificates
3. Meezan MasterCard Debit Card Issuance, Replacement and Annual fee (Excluding Mastercard World Debit Card)
4. Meezan Visa Debit Card Issuance, Replacement and Annual fee (Excluding Visa Infinite Debit Card)
5. SMS Alerts Service
6. Issuance, replacement and annual fee for one (1) Supplementary debit card.
7. Internet Banking with enhanced Fund Transfer limits (for customers having no debit card or Silver/Gold/Titanium Debit Cards)
b. Free Branch Banking Services
1. Issuance of Foreign Telegraphic Transfer and Foreign Demand Drafts
2. Cancellation of Pay Orders, Demand Drafts and Foreign Demand Drafts
3. Issuance of Banking Certificates such as Balance confirmation, WHT, Profit Payment, etc.
4. Outward Bill for Collection (OBC)
5. Inter City Clearing
6. Same Day Clearing
7. Duplicate Statement
8. Cheque Return Charges
9. Premium Branded Cheque Book
10. Locker Annual Fee
11. Cheque Stop Payment
c. Premium Financing Benefits (For customers maintaining Premium Criteria for last 6 months)
Processing fee is waived on the following Consumer Banking products
1. Easy Home
 Preferential Pricing with 1% discount on rental rates2
 Processing charges waiver1
 50% waiver on early termination profit
 Express Application processing

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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2. Car Ijarah
 Preferential Pricing
 Processing charges waiver1
 100% waiver on early termination profit
 Express Application processing
3. Meezan Solar Financing (Customer maintaining Premium Criteria for last 6 months)
 Preferential Pricing with 1% discount on profit rate
 Processing charges waiver
 Express Application processing
1
Waived irrespective of 6 months condition
2
Applicable on variable pricing rate only
Note:

 All other charges will be levied as per the Bank’s prevailing Schedule of Charges
 Monthly Fee of Rs. 500 on Meezan MasterCard Platinum Card will be levied if the relationship status of the customer is no longer
"Premium".
 Monthly Fee of Rs. 1,000 on Meezan MasterCard World Card will be levied if Premium Customer not maintaining waiver criteria of said
debit card.
 Monthly Fee of Rs. 2,000 on Meezan Visa Infinite Card will be levied if Premium Customer not maintaining waiver criteria of said debit
card.

M – Meezan Plus Account

(i) Meezan Plus Account – SMS Alert (ADC – Digital Alerts Only) Free
(ii) Debit Card Issuance of following Cards will be offered without
charges*:
Meezan PayPak Debit Card Free
Meezan Visa Silver Debit Card Free
Meezan Master Classic Debit Card Free
Meezan Visa Gold Debit Card Free
(iii) Following waivers can be availed by Meezan Plus account holders who maintain monthly
average balance of Rs.200,000 or above**:
Meezan Plus Accounts SMS Alert (all transactions) Free
Annual Fee of Debit Cards:
Meezan PayPak Debit Card Free
Meezan VISA Silver Debit Card Free
Meezan Master Classic Debit Card Free
Meezan VISA– Gold Debit Card Free
Intercity Clearing through NIFT Free
Stop Payment Request Free
Balance Confirmation / Account Maintenance Certificate Free
Pay Order / Return Cancellation Free

Note:

Rest of the service charges will be applicable as per the Schedule of Charges.
*Annual fee will be applicable as per the Schedule of Charges (SOCs), waiver is applicable for the issuance of one primary
Debit Card only.
**System will check monthly average balance of Rs.200,000/- of previous month only before application of above charges.
For e.g: If annual fee of card is applicable in the month of May '2025, system will check average balance of April '2025 only.
In the first month of opening an account, customer will be eligible for a waiver of the above services if account balance is at
least PKR 200,000 at the time of the transaction.

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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N – Meezan Roshan Digital Account

(i) Inward Foreign Remittances
(a) Received via SWIFT Free1
(b) Received via International Money SAR 30/- (Equivalent amount in PKR)
Transfer Operations / Exchange
Companies under “Free Send Model” in
RDA- PKR account

(ii) Outward Foreign Remittances Free1

(iii) VISA Debit Card Fees

Classic Card Free for first year2
Gold Card Free for first year2
Platinum Card Free for first year2

(iv) MasterCard Debit Card Fees

Titanium Card Free for first year2

(v) Duplicate Statement of Account Free

(vi) Account Maintenance Certificate Free
(vii) Balance Confirmation Certificate Free
(viii) International Courier Charges Rs. 6,000/-
(ix) Roshan Apna Ghar Upfront Processing Fees – Rs. 4,000/-
(x) Roshan Apni Car Processing Fees – Free
(xi) Legal Documentation Charges At actual
(xii) Other Charges At actual

Any other applicable charges, encompassing legal charges, property evaluation, income estimation, government
levies, taxes, Mortgage charges etc., will also be at actual and shall be borne by the applicant. External Agency
Charges are refundable incase remained un-utilized
1
Correspondent banking charges will apply, in case if remittance is being sent through SWIFT
2
First year Free issuance is only for those customers who have remitted funds in their PKR Meezan Roshan Digital
Account. Annual fee as per our Schedule of Charges (ADC Services Section) will be levied from subsequent year.
Note:
All other Services Charges will be applicable as per prevailing Schedule of Charges

O - Ijarah
(i) Domestic Vehicle – Upfront Processing Rs. 3,100/- per Car Ijarah Case
Fee Free for Women First Segment

(ii) Commercial New Vehicle (below Rs.2.0 Rs. 2,500/- per Car Ijarah Case
million) – Upfront Processing Fee
(iii) Fleet Ijarah – Upfront Processing Fee Rs. 8,000/- per case (Irrespective of No. of
Cars)
(iv) Commercial Vehicle Ijarah - Rs. 3,500/- per case (Irrespective of No. of
Upfront Processing Fee Vehicles)
(v) Documentation Charges At actual
(vi) Old Vehicle Valuation Charges At actual
(vii) Out station verification Rs. 500/- to Rs.1,000/- depending upon
distance

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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(viii) Income Estimation At Actual

(ix) Vehicle Repossession Charges
Within the City charges Actual / upto Rs. 70,000/-
Outside the City charges Actual / upto Rs. 70,000/-
Non-Commercial Vehicle Actual / upto Rs. 100,000/-
Commercial Vehicle Actual / upto Rs. 200,000/-
Motorcycle Actual / upto Rs. 20,000/-
Legal Notice charges Actual / upto Rs. 5,000/-
Auction Advertisement Charges At Actual
Repossession Allied Charges At Actual
(x) Vehicle Transfer - in favor of 3rd Party Rs. 1,500/- per case
(xi) Re-issuance/ Duplicate NOC in favor of Rs. 3,000/- per case
customer or 3rd party

P - Easy Home - Islamic Housing Finance

(i) Upfront Processing Fee Rs. 8,000/-
(ii) Legal Documentation Charges At actual
(iii) Other Charges* At actual
(i.e. legal charges, property evaluation and
income estimation, where applicable)
Any other applicable charges, encompassing government levies, taxes, Mortgage charges etc., will also be at actual and
shall be borne by the applicant.
* External Agency Charges are refundable incase remained un-utilized

Q - Labbaik Travel Asaan (Installment Plan)

Processing Charges* Approx. Rs. 2,000/- (Inclusive of Bank’s
Internal verifications, Takaful Coverage and
legal documentations)
*Charges will be taken at actual and remaining (if any) will be reimbursed

R - Meezan Consumer Ease

(i) Processing Fee – Consumer Ease Rs. 1,800/-
(ii) Processing Fee – Meezan Solar Rs. 5,000/-
(Residential)
(iii) Documentation Charges At actual

(iv) Other Charges* At actual

(*i.e. legal charges, income estimation charges, long distance external verification charges, bureau
check fees and any other relevant charges where applicable)

S - Meezan Apni Bike

(i) Processing Fee – Meezan Apni Bike Rs. 1,800/- (+FED)
(ii) Documentation Charges At Actual
(iii) Other Charges* At Actual

(*i.e. legal charges, income estimation charges, long distance external verification charges, bureau
check fees and any other relevant charges where applicable)

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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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T - Mera Pakistan Mera Ghar (MPMG)

(i) Upfront Processing Fee Rs. 4,000/-
(ii) Legal Documentation Charges At actual
(iii) Other Charges* At actual
(i.e. legal charges, property evaluation and
income estimation, where applicable)
(iv) Profit on Additional /Early unit purchase 0%
* Any other applicable charges, encompassing government levies, taxes, Mortgage charges etc., will also be at
actual and shall be borne by the applicant.
* External Agency Charges are refundable incase remained un-utilized

U - Communication Tariff
(i) Courier Charges
Within City Rs. 50/- (per item)
Within Country Rs. 100/- (per item)
Overseas Destinations At actual, min. Rs. 3,500/- (per 500 grams)
(ii) Registered Post Foreign Rs. 150/- per 50 grams
Additional Rs. 50/- for each subsequent 50
grams or part thereof.
(iii) Registered Post within Pakistan Rs. 35/- per 50 grams.
Additional Rs. 25/- for each subsequent 50
grams or part thereof.
(iv) Ordinary Mail
Foreign Rs. 100/- per 50 grams or part thereof.
Local Rs. 25/- per 50 grams or part thereof.
(v) Fax charges Rs. 100/- per page (inland)
Rs. 200/- per page (foreign)
(vi) SWIFT Charges
SWIFT charges Foreign Rs. 500/-

V - Capital Market
(i) Meezan Custodial Services –MCS
(a) Account Opening Rs. 1,000/- (one time)
(b) Account Maintenance Rs. 1,000/- (annually)
(c) Physical Shares Deposit Rs. 0.05 per share plus CDC charges/tax at
actual
(d) Transaction Charges 0.1% of the market value of shares
(e) CDC / NCCPL Charges At actual
(ii) Charges for collection of e-dividend Rs. 50/- per transaction or Rs. 50,000/-
whichever is higher (subject to negotiation
of rates on MBL discretion)
(iii) Public flotation of Shariah compliant Commission 0.5% plus out of pocket
shares / Modaraba Certificates / offer expense, min Rs. 50,000/- whichever is
for sale of shares higher. (Subject to negotiation of rates based
on volume of business & on MBL discretion)
(iv) Issuance of right shares Commission 0.5% plus out of pocket
expense, min Rs. 50,000/- (Subject to
negotiation of rates based on volume of
business & on MBL discretion)
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 SCHEDULE OF CHARGES – JULY TO DECEMBER - 2024
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W - Meezan Smart
(i) Meezan Smart PayPak Card Rs. 500/- per annum
(ii) PayPak Card Replacement Charges Rs. 250/-
(iii) Smart Payroll Solution Rs. 500/- per annum OR part thereof, subject to
negotiation with customer
(iv) Interbank Fund Transfer Facility Same as mentioned in ADC Services Section
(IBFT)
(v) Balance Inquiry on other banks Same as mentioned in ADC Services Section
ATM in Pakistan
(vi) Cash Withdrawal – Meezan ATM Same as mentioned in ADC Services Section
1Link/MNET member Banks' ATM
(vii) Bill Payment Service (Internet Same as mentioned in ADC Services Section
Banking, Mobile App & ATM)
(viii) Biometric Cash withdrawal Rs.10/- with applicable taxes

(ix) Payment Disbursements Charges to be negotiated on case-to-case basis

(x) Payment Collections Charges to be negotiated on case-to-case basis

X - Out of Pocket Expenses

Any Charges which are not covered under this schedule shall be recovered separately on case-to-case
basis as per the agreement with the customer.

Y - Introduction of New Services

In case of introduction of any new service, for which the bank charges the customer a fee during the
tenor of this schedule shall be deemed covered and shall be separately mentioned in next schedule.

Z - Important Notes

(i) In addition to above withholding tax, excise duty, stamp duty, provincial federal tax or any other government
tax announced from time to time are for client account and will be charged in addition to above rates where
applicable.
(ii) Charges may be reduced or waive on case-to-case basis with the approval of Business Head or Deputy CEO.

Reviewed By:

___________________________
Resident Shariah Board Member

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