How do I check the TDRs I’ve booked?

You can check your booked Term Deposits by logging into your UBL Digital App, click on Accounts and select Term Deposit. All the booked Term Deposits will appear under this section. To check the details of individual Term Deposit, click on summary.

What is the minimum and maximum booking amount?

The minimum investment amount is: Term Deposit Product Type Minimum Investment Amount UBL Mahana Aamdani Term Deposit Rs. 25,000 (progressing in multiples of Rs.25,000) UBL Certificate of Deposit (COD Maturity) Rs. 50,000 (progressing in multiples of Rs.25,000) There is no limit to the maximum amount of investment that can be made in a Term Deposit.

What rates are offered on these Term Deposit?

The rates offered are as per the Bank’s prevailing rate sheet for Certificate of Deposit (CoD-at Maturity), or Mahana Aamdani Term Deposit. You can also view the rates on each tenor whenever you place a deal in the UBL Digital app.

What tenors can the deals be booked at?

The deals can be booked for the below tenors for all products: • 3 months • 6 months • 1 year • 3 years • 5 years • 10 years

How frequently is the profit paid out on the Term Deposit?

The profit on each product is paid: Term Deposit Product Type Profit Payment Frequency UBL Mahana Aamdani Term Deposit Monthly UBL Certificate of Deposit (COD Maturity) At Maturity

Can UBL Mahana Aamdani Term Deposit be opened with a Savings Account?

You need to have a UBL current account to invest in UBL Mahana Aamdani Term Deposit. If you would like to invest in this product, please open an account online by visiting our website https://ubldigital.com/Open-a-Bank-Account-Online, or go to a nearest UBL branch.

What is rollover facility?

A rollover refers to automatic renewal of the Term Deposit, i.e. the amount invested will be automatically reinvested after the Term Deposit matures, for the same tenor at the prevalent profit rate. The rates prevalent can be viewed at https://ubldigital.com/About-UBL/Rates

How can I stop rollover of my term deposit?

You can stop automatic investment rollover by visiting your account branch.

Can the rate on these TDRs change mid- tenor?

No, the rates in CoD and Mahana Aamdani Term Deposit will remain same throughout their tenor.

Will there be any zakat deduction on these Term Deposit?

Yes, Zakat will be deducted as per the Zakat and Ushr Ordinance, 1980.

Are withholding tax charges applicable on profits disbursed?

Yes, and the rate applicable will be dependent on your ATL File/Non-Filer status. However, these taxes will be deducted in a separate transaction following immediately after the profit disbursal.

Are there any charges on Early Encashment?

Upon Early encashment, profit will be paid on minimum saving rates set by SBP applicable at the time of booking.

How do I encash my term deposits?

You can encash your previously booked deals by visiting your parent account branch and requesting to do so.

Signature Banking

Experience the pinnacle of banking with our exclusive UBL Signature Priority Banking Service. This service is designed to cater to your banking needs, offering unrivaled personalisation and premium services that will elevate your banking experience to new heights. At the heart of Signature Priority Banking is our commitment to help you prosper and protect your wealth. Our team of dedicated relationship managers will guide you through every step of your financial journey, providing you with invaluable insights and expert advice to ensure you achieve your financial goals.

Signature Banking Criteria

Our Priority Banking services are offered exclusively to Current account customers who maintain any of the following Quarterly average balance.

Account Type	Minimum Quarterly Average Balance
Any Local Currency Current Account	PKR 3 Million
Any Foreign Currency Current Account	PKR 6 Million (equivalent in FCY)
Clubbing of Conventional Current PKR and Foreign Currency Current Accounts	Equivalent to PKR 3 Million (where PKR will be considered as 100% and FCY deposit shall be converted to equivalent PKR and considered as 50% of the amount)

Waivers can be availed by UBL Signature Priority Banking account holders who maintain a YTD average balance of PKR 25K or above in their current account relationship balance.
Note: First Debit Card Issuance is Free.

Privileged Services, Beyond Expectations

Swift On boarding & Banking

Free Banking Services

Complimentary Services on
UBL VISA Infinite Debit Card

International Outreach

Avail Our Signature Priority Banking Services Nationwide

Lounge Access and Benefit

Wealth Management Solutions

Complimentary Insurance
Coverage

Dedicated Customer Touchpoints

Avail fast tracked query/ complaint management services through our Dedicated Priority Banking Helpline.

0800-99825

Wealth Management Solutions

Avail the flexibility to create investment strategies that yield best financial outcomes through our following wealth management solutions:

Deposit Products

Deposit Certificates

Mutual Funds

Bancassurance

Privileged Consumer Products

Government Securities

Exclusive Features and Benefits

Swift On boarding & Banking

Experience remarkable customer experience with seamless account opening followed by a gracious welcome pack to all qualified customers, served along with your free UBL VISA Infinite Debit Card.

Further, continue to receive premium services by fast tracked query and complaint management, priority Q-matic in UBL branches and a lot more at your disposal to make your banking journey smooth for you.

Free Banking Services

Elevate your banking experience to new heights by receiving following free banking services:

Free UBL VISA Infinite Debit Card

Free Cheque book

Free Locker

Free Interbank funds transfer (both UBL to UBL and UBL to any other bank)

Free ATM withdrawals (UBL/1Link / Mnet)

Free Cash/ Cheque Deposits and withdrawals

First year annual fee waiver on Platinum Credit Card

Complimentary Services on
UBL VISA Infinite Debit Card

The free UBL VISA Infinite Debit Card offers you best solutions for your bespoke financial and lifestyle needs:

Up to 40% discounts on top notch outlets

International outreach

Higher spending and withdrawal limits

Particulars	Higher Limits
Daily ATM Withdrawal	PKR 1 Million
Daily POS/E-Commerce Transaction	PKR 5 Million
Daily ATM IBFT (Inter Bank Fund Transfer)	PKR 5 Million

International Outreach

Experience expanse of possibilities by becoming a global customer by availing following benefits on your free UBL VISA Infinite Debit Card:

Global concierge services

Complimentary access to over 1,200 international airport lounges in partnership with dragon pass for more details: https://pk.visamiddleeast.com/pay-with-visa/visa-airport-companion.html

Travel insurance

Buyer’s Protection

Card Misuse Protection

Extended warranty for new purchases

Event Ticket cancellation services

Access to international golf courses

Access to international ATMs

And much more. Visit: Visa Infinite Card - Special Advantages | Visa

Avail Our Signature Priority
Banking Services Nationwide

Avail fast tracked query/ complaint management services through our dedicated priority Banking helpline 0800 – 99825

Lounge Access and Benefits

While you may avail UBL Priority services through any of our nationwide UBL branches, there are 15 exclusive UBL Priority banking lounges as well that provides you following facilities:

Designer interior lounges with meeting/ conference rooms for you to conduct your business meetings

Dedicated teller counter for privacy in banking

Free Wi-fi facility

Click here to view Signature Priority Lounges.

Complimentary Insurance Coverage

As a UBL Signature Priority banking customer, avail Complimentary accidental death and permanent disability insurance coverage up to PKR 2.5 Million on your current accounts.

*Terms and Conditions apply. Click here for Key Fact Statement and Terms and Conditions

Signature Banking Criteria

Privileged Services, Beyond Expectations

Dedicated Customer Touchpoints

Wealth Management Solutions

Exclusive Features and Benefits

Swift On boarding & Banking

Free Banking Services

Complimentary Services on UBL VISA Infinite Debit Card

International Outreach

Avail Our Signature Priority Banking Services Nationwide

Lounge Access and Benefits

Complimentary Insurance Coverage

Complimentary Services on
UBL VISA Infinite Debit Card

Avail Our Signature Priority
Banking Services Nationwide