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Overview

The Behtar Munafa Term Deposit is open to all account holders, whether existing or new. Customers benefit from flexible maturity options, attractive projected profit rates, and secure capital. It’s a reliable savings product for long-term planning and better financial management.

Profit Rates

Profit will be paid as per prevailing Projected Profit Rates.

Click here to view profit & exchange rates.

Behtar Munafa Term Deposit Features

Product Name Behtar Munafa Term Deposit
Eligibility All Account holders (existing and new)
Type Term Deposit
Terms offered 1 Month (Profit payment only on Maturity)
3 Months
6 Months1 Year3 Year5 Year
Profit pay-out Monthly (Excluding 1-Month Tenor) / Maturity
Roll Over Allowed
Zakat Deduction Zakat will be deducted as per the Zakat & Usher Ordinance 1980, unless Zakat exemption certificate is submitted.
Withholding Tax on Profit Withholding Tax shall be deducted from the profit amount as per the income tax provisions.

Frequently Asked Questions (FAQs)

Q1: How can I make an investment into Behtar Munafa Term Deposit?

If you are already an ABL customer, you can visit your nearest branch to open the deposit.

If you are not yet an ABL account holder, you’ll need to first open a current or savings account.

Q2: How many days will it take to open the Behtar Munafa Term Deposit?

Once you have an active current or savings account with sufficient balance and a cheque book, it will take only 1–2 working days to book the deposit and issue the receipt.

Key Fact Statements

Click here to view KFS

  • All account holders (new and existing) are eligible for Behtar Munafa Term Deposit.

  • Auto Rollover Option is available at maturity, based on prevailing profit rates and customer instructions.

  • In case of premature encashment, the applicable rate will be:

    • Minimum PLS/saving rate at booking, or

    • Prevailing PLS/saving rate, whichever is lower

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