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. |
Profit will be paid as per prevailing Projected Profit Rates
Important Notes
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Eligibility: All ABL account holders—both existing and new—are eligible to invest in Behtar Munafa Term Deposit.
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Auto Rollover: At maturity, deposits can be automatically rolled over at the prevailing profit rates as per customer instructions.
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Premature Encashment: In case of early withdrawal, the applicable profit will be the minimum of the following:
- PLS/Saving rate at the time of booking, or
- The prevailing PLS/Saving rate at the time of encashment.
Frequently Asked Questions
Q1: How can I invest in the Behtar Munafa Term Deposit?
If you are already an ABL customer, you can avail this facility by visiting your nearest Allied Bank branch.
If you are not an ABL account holder, you will need to open a current or savings account first before investing.
Q2: How many days are required to open the Behtar Munafa Term Deposit?
Once all formalities are completed—such as holding a savings or current account with sufficient funds and a chequebook—the term deposit can be booked, and the receipt issued within 1–2 working days.