INTERNATIONAL BANKINGA. IMPORTS
i) Cash Letters of Credit
ii) Non Reimbursable L/C under Barter/Aids/Loans
iii) At The Time of Retirement, Of Local/Import Bills Under Sight/Usance L/C and Contract/Collection Settlement
iv) Amendments Under Letter of Credit
v) (a) Markup in the Case of Bills Under Import L/C (Sight)
vi) Items Returned Unpaid
ix) Advance Payment
vii) Acceptance Commission on Usance L/C (Local/Foreign)
x) Airway Bill Endorsement/Guarantee Issued to Shipping Companies in Lieu of Bills of Lading
viii)(a) Registration of Contract for Import on CAD/DP/DA Basis
(b) Amendments Under Import-Contract
(b) Markup in the Case of Usance Bills Under Import/Inland L/C Not Retired on Due Date.
Credit Report on Benef iciaryAnd/Or Foreign Buyer
First Quarter orpart thereof
0.40%
Each SubsequentQuarter or part thereof
0.30%
Minimum Rupees
Rs. 2,000/-
1.00% per quarter or part thereof – Minimum Rs. 1,500/-
0.10% �at – Minimum Rs. 1,500/-
Rs. 1,000/- per amendment (�at) for amendments otherthan increase in amount or extension in period ofshipment. Commission rates speci�ed under item (i) or(ii) above, if amendment involves increase in amount orextension in period of shipment. Minimum Rs. 1,500/-
Rs. 1,000/- per amendment (�at) for an amendment otherthan increase in amount or extension in period of shipment.Commission rates speci�ed under item (a) above, ifamendment involves increase in amount or extension inperiod of shipment - Minimum Rs. 2,000/-
a) 18.00% p.a. if the bill is retired within 15 days from the date of advice of drawing.b) 25.00% p.a. if the bill is retired after 15 days from the date of advice of drawing.
0.10% per month acceptance commission on bill amount ifpayment date falls under L/C expiry.
Rs. 2,000/- per item (�at) plus TT & FX against import serviceCharges as per tari�.
@25.00% p.a.
Rs. 2,000/- (�at)
0.20% (�at) – Minimum Rs. 2,000/-
Rs. 2,000/- (�at)
At Actual
01
xi) Courier Charges a) For Local b) For Foreign
xii) Short Cable/Swift Charges on Import L/C
xiii) Full Cable/Swift Charges on Import L/C
xiv) L/C Amendment Through Swift
xvi) Amendments on Local L/C
xv) Inland L/C
xviii) Draft L/C Charges
xvii) If Amendment Involves Increase in Amount or Extension in Period
i) Letters of Credit
(a) Advising of L/C
iii) Conf irmation
(a) Clean – for Exports
(b) Documentary Export Collection
iv) Transfer of Export L/Cs
v) Reimbursement Payment to Other Banks from Non-Resident Rupee/ACU Dollar Accounts
(b) Advising of Amendments
ii) Negotiation/Collection of Rupee Bills Under L/Cs
vi) If the Documents are Sent to Other Local Banks Under Restricted L/C
vii) Collection – Foreign Currency
B. EXPORTS
02
Rs. 250/- (�at)Rs. 2,500/-
Rs. 600/-
Rs. 700/-
0.35% every quarter or part thereof minimum Rs. 3,000/-
Rs. 1,000/- per amendment (�at)
Minimum Rs. 2,000/- per amendment
0.25% Minimum Rs. 1,000/-
0.25% per quarter - Minimum Rs. 3,000/-
Rs. 1,000/- (�at)
Rs. 2,000/-
Rs. 500/- (�at)
Rs. 500/- for JS Bank customers andRs. 2,000/- for other customers
Rs. 350/- for JS Bank customers andRs. 1,000/- for other customers
NIL
Rs. 1,200/-
Rs. 500/- (�at)
Rs. 500/- (�at)
(c) If Documents are Sent to Us by Other Banks for Collection Under Restricted L/C
viii) Handling of Duty Draw-Back Claim
ix) Service Charges on Foreign Exchange Transactions (Exports)
xi) Services Charges on Handling of Research and Development (RnD) Cases
xii) Over due Markup on Discounted Bill Under Inland L/C Payment not Received on due Date
xiii) Export Reimbursement Claim-Swift Charges
i) Guarantees
ii) For Foreign Guarantees Issued against Bank Counter Guarantee
iii) For Guarantees Issued against Counter Guarantees of Banks Operating in Pakistan
iv) Legal Cost for Vetting of Text of Guarantee
x) EDS
03
Rs. 1,000/- (�at)
0.25% per claim – Minimum Rs. 250/-
0.10% - Minimum Rs. 1,000/-
Rs. 80/- per bill or as per existing regulations
Rs. 1,000/- (�at)
@3% over the rate of Markup chargedMinimum Rs. 500/-
Rs. 1,000/-
Up to 0.40% per quarter or part thereof minimumRs. 2,000/-
Annual Guarantee business volume of over USD 5mnCommission Charges will be 0.125% per quarter or partthereof minimum USD 100/-
0.3% p.a. minimum Rs. 1,000/-
Rs. 5,000/- (�at)(over and above the normal Guarantee Charges)
C. GUARANTEES
Note: (i) For customers with Annual Guarantees volume of Rs. 20mn and over commission charges will be negotiable. Minimum Rs. 500/-
(ii) Amendment other than increase in amount extension period Rs. 500/-.
(iii) Guarantees against 100% cash margin/lien on current account, guarantee commission will be negotiable.
(iv) Each Guarantee issued by us will be for a speci�c amount, expiry date and a date by which claims are to be lodged.
04
USD 10/- equivalent, PLUS additional 0.50% (minimum USD 20/-)where remittances are made against Cash Deposit in FC accountswithin 15 days of Deposit for all currencies
NIL, if proceeds are credited to an account with us.Otherwise a �at charge of Rs. 3,000/- (Cash Master)
Interest @ LIBOR+5%Instrument drawn in USD 0.5%Minimum Rs. 500/Instrument drawn in currencies other than USD 1%Minimum Rs. 500/-
USD 5/- or Rs. 700 whichever is higher
Family Maintenance Rs. 3,000/- per yearStudies abroad Rs. 5,000/- for the �rst yearSubsequently Rs. 3,000/- per year in additionto the usual Charges in remittance, if any
Rs. 1,200/- per case
USD 5/- or Rs. 700/- whichever is higher
Rs. 750/-
Rs. 1,200/- per case
Actual
D. REMITTANCES
E. MISCELLANEOUS
i) Foreign Outward Drafts/ T.Ts/Others
iv) Collection Foreign Currency- Clean/Checks
v) Foreign Exchange Permits
vi) Arranging Specif ic Approval from SBP Relating to Capital Transfer, Dividend Remittance and Remittance Under Foreign Currency Loans etc.
viii) Producing PRC (Proceeds Realization Certi�cate) for Transaction Older than 6 Months
i) Obtaining SBP Approval for Customer
ii) Correspondents’ Charges
iii) Swift Charges on Foreign T.Ts
v) Charges on Foreign Bills Returned Unpaid
vi) Miscellaneous Foreign Fax/Swift Charges
iv) Fax Charges if Requested by Customer
iii) Foreign Currency Cheque’s/Drafts Purchased (in Addition to Interest)
ii) Inward
vii) Cancellation of Draft
USD 8/- or Rs. 1,000/- whichever is higher
Rs. 50/- per sheet (within city)Rs. 100/- per sheet (out of city)Rs. 500/- per sheet (foreign)
Rs. 600/-
USD 20/- or equivalent
05
DOMESTIC BANKINGA. REMITTANCES
B. BILLS
C. ADVANCES
i) For Draft E�ected through Local Correspondent Banks
iv) Items Returned Unpaid -Outward Clearing -Inward Clearing -Over the Counter
iii) Pay Order in Favor of Educational Institutions
v) Cancellation of Pay Order/ Demand Drafts
vi) Issuance of SBP Cheques (if Permissible by SBP)
vii) RTGS Charges
i) Collections
ii) Pay Orders
0.10% Minimum Rs. 300/-(whichever is higher)
Rs. 350/- against accountRs. 2,500/- against cash
0.5% of the amount (Max Rs. 25/- including FED)
Where proceeds of collection made by banks’ branches are remitted to another place, by whatever method it may be,for the purpose of centralization or otherwise, remittance Charges at the above rates will be recovered.
Following Charges will be recovered in addition to mark-up / return on investment
FreeRs. 400/- (�at)Rs. 275/- (�at)
Rs. 850/- per instrument
Rs. 500/- per cheque
0.18% Minimum Rs. 300/-
0.40% - or Rs. 300/- whichever is higher
Rs. 100/-
Same Charges as for collection as indicated at 1 (a) above,plus mark-down 0.75% for every 15 days or part thereof
In addition Project Examination fee up to and Commitmentfee upto 1% (where applicable in each case)
Days Transaction Time Windows Per Transaction Charges
Monday to Friday 9:00 AM to 2:00 PM Rs. 220/- 2:00 PM to 3:30 PM Rs. 330/- 3:30 PM to 4:30 PM Rs. 550/-
Monday to Friday 9:00 AM to 4:30 PM Rs. 50/- each transfer/transaction
Multiple credit transfer (within same bank) with lower value limit ofRs. 100,000/- for each transaction:
(a) Clean (Including Cheques)
(a) Documentary Bills Other than those Drawn against Letter of Credit and Clean Bills/ Trade Cheques
(b) Other Cheques/Demand Instruments like Dividend Warrants etc.
(I-e Charges for Documents, Evaluation of 1% Security and Maintenance thereof etc)
(c) Postage on Bills/Cheques
(d) Courier Charges
i) Miscellaneous Charges
ii) Purchase of Bills/ Cheques etc.
Rs. 150/-
Actual
06
0.05% of facility amount OR Min.Rs. 7,500/- whichever is higher
0.05% of facility amount OR Min.Rs. 2,500/- whichever is higher
ii) For Advance against Pledge/Hypothecation Charges will be Levied as follows:
(a) Godown Rent
(b) Godown Staf f Salaries
(c) Godown Inspection Charges
i) Within Municipal Limits or within Radius of 5 Miles from the Branch
(d) Delivery Charges if a Godown Keeper is not Posted, Conveyance Charges will be Recovered
(e) Other Incidental Expenses, Insurance Premium etc.
(f) Legal Review Charges (Outside Counsel)
(g) Documentation Review Charges
(h) Delivery of Goods Under Pledge
(i) Arranging CIB Report from State Bank (Per Company/Individual)
(j) Handling Charges for Marking Lien on Government Securities Issued by Other Banks/ National Savings Centers
(k) Handling Charges for Marking Lien on Mutual Funds at Registrar’s O� ice
(l) Collection of Prof it Coupons on Government Securities Issued by Other Banks/National Savings Centers Under Lien to us
(m) Facility Review Enhancements/ One O� Transaction
(n) Interim Review Enhancements/ One O� Transaction
ii) Outside the Above Limit
Actual
Actual
Actual
Actual
Actual
Actual
Actual
Rs. 5,000/-
Rs. 1,000/- per delivery
Rs. 35/- (can be waived on management’s discretion)
Rs. 1,000/- per instance
Rs. 1,000/- per instance
Rs. 1,000/- per case (separately for each mutual fund)
Actual Conveyance Charges only
Corporate
0.1% of facility amount OR Min.Rs. 15,000/- whichever is higher
SME
0.1% of facility amount ORRs. 5,000/- whichever is higher
07
Rs. 800/-Rs. 400/Rs. 1,500/-Rs. 750/-Rs. 2,500/-Rs. 1,250/-
ClassicClassic SupplementaryGoldGold SupplementaryPlatinumPlatinum Supplementary
(o) Excess Over Limit (EOL)/One-Time
(p) Issuance of No Objection for Pari Passu Charge Over Assets
(q) Issuance of No Objection for Vacation of Charge
(r) Credit Reports Issued on Behalf of the Client
(s) Nominal Fee for Pledge Call Option
(t) Verif ication of Mortgage Properties from Registrar Patvari/Site Visit
(u) Cash Collection Services
i) Standing Instruction Fees
ii) Account to Account Transfer
i) ATM Cash Withdrawal Charges
ii) Chip Maintenance Charges (Chip Debit Cards)
0.1% of the EOL amount or Rs. 10,000/- whichever is higher
Processing fee Rs. 5,000/-
Processing fee Rs. 5,000/-
Processing fee Rs. 3,000/-
Actual
Actual
Rs. 2,000/- per month (Conditions Apply)
Rs. 450/- per transaction apart from the relevant Charges onremittance, where applicable
For clients’ sta� salaries disbursements (as per agreedarrangement)
i) Credit to account(s) with Bank- NIL
ii) Pay Order/ Draft Rs. 50/-
Postage/Courier Charges
i) within city Rs. 50/-
ii) outside city Rs. 100/-
Rs. 75/- (Not applicable on Current Accounts)
Free on JS Bank ATMsRs. 15/- (other Bank ATMs)unless waived as per product features
Rs. 500/- per annum
iii) Proprietary Card Issuance Fee
iv) Proprietary Card Annual Fee
NIL
v) Visa Debit Card Issuance Fee
vi) Visa Debit Card Annual Fee
NIL
Rs. 700/- per annum
D. STANDING INSTRUCTION FEES
E. PROPRIETARY CARD/ VISA DEBIT CARD CHARGES
08
Classic ReissuanceGold ReissuancePlatinum ReissuanceClassic to Gold Upgrade Gold to Platinum UpgradeClassic to Platinum Upgrade
vii) Visa Debit Card Reissuance/Upgrade
viii) International ATM Cash Withdrawal
ix) POS Transactions (Local) POS Transactions (International)
x) Balance Inquiry
xi) Mini Statement
xii) Retrieval Charges
xiii) Arbitration/Charge Back
xiv) Card Capture (International)
xv) VDC Internet Activation Charges
xvi) VDC Limit Enhancement Annual Fee
xvii) VDC Visa Direct Activation
xviii) VISA Direct Funds Transfer
i) SMS Alerts
ii) eStatements
iii) Internet Banking Registration
iv) Utility Bills Payment Service (UBPS)
v) IBFT (Inter Bank Funds Transfer)
vi) Mobile Banking
i) Balance Inquiry
iv) TPIN Issuance and Change
v) VISA Debit Card Blocking
i) Stop Payment of Cheques Drawn on us
ii) Duplicate Statement
iii) Duplicate Advices
iv) Balance Certi�cates
v) Con�rmation of Balances to Auditors
ii) Mini Statement (Voice and Fax)
iii) VISA Debit PIN Issuance and Change
Rs. 700/- per transaction or 4% whichever is higher
Free3.5% of transaction amount
Rs. 700/- (per transaction)
Rs. 300/- per annum
Rs. 500/- per annum
Rs. 300/- per annum
3% of transaction amount
Rs. 1,200/- per annum
Through ATM: Rs. 85/- per transaction Through Mobile & Internet Banking: Rs. 60/- per transaction
Free
Free
Free
Rs. 500/- per annum
For Local Currency AccountsRs. 400/- for one chequeRs. 600/- for each series of cheques
For Foreign Currency AccountsUSD 5/- per cheque
Rs. 35/- per statement
Rs. 240/- each
Free (JS Bank & 1 Link ATMs)Rs. 5/- (MNet Bank ATMs)Rs. 145/- (International ATMs)
USD 500/-
USD 15/-
F. eBANKING SERVICES
G. CALL CENTER AND IVR SERVICES (0800-011-22)
H. MISCELLANEOUS CHARGES
Free
Free
Free
Free
Free
Rs. 240/- each
Rs. 300/-
Rs. 500/- (Principal & Supplementary Cards)Rs. 950/- (Principal & Supplementary Cards)Rs. 1,350/- (Principal & Supplementary Cards)Rs. 850/- (Principal & Supplementary Cards)Rs. 1,050/- (Principal & Supplementary Cards)Rs. 1,800/- (Principal & Supplementary Cards)
Free
09
vi) Issuance of Counter Cheque
vii) Account closure Charges (On Customer Request)
ix) Miscellaneous Certi�cates
xi) Safe Deposit Breaking Charges
xiii) Postage/Courier Charges on Drafts/Pay Orders/ Other Documents
xiv) Issuance of Chequebooks
xv) Account Maintenance Charges
xvi) Same Day Clearing of Cheques/Intercity Clearing
xvii) Transaction Charges
xviii) Fee for Verifying and Marking Lien on Government Securities Issued by us on Request by Third Party
xii) Key Deposit (Refundable upon Surrender of Locker)
viii) Issuance of Proceeds Certif icates for Remittance Received 6 Months or Earlier
x) Safe Deposit Lockers a) Small b) Medium c) Large d) Private - Small e) Private - Large
a) Small b) Mediumc) Large
Rs. 120/- (per cheque plus govt. duties)
Rs. 900/- (NIL for PLS Rupee Saving Account, JS Asaan Current Account & JS Asaan Saving Account)
Rs. 100/- (per certi�cate)
Free if the proceeds are credited to an account with thedrawee bank. In other cases the Charges are to be recoveredas applicable for the speci�c mode of payment desired bythe bene�ciary.
Rs. 4,000/- per annum or security deposit of Rs. 35,000/-Rs. 7,000/- per annum or security deposit of Rs. 50,000/-Rs. 8,000/- per annum or security deposit of Rs. 70,000/-Rs. 10,000/- per annum or security deposit of Rs. 60,000/-Rs. 15,000/- per annum or security deposit of Rs. 60,000/-
Late Fee of 10% will apply if fees are not paid within 30 days of renewal
Rs. 7,250/- plus actual expenses
Free for all accounts
Rs. 3,000/-Rs. 5,000/-Rs. 6,000/-
Rs. 60/- within cityRs. 120/- outside city
Rs. 20 per leaf (if Average Balance is below Rs. 50,000)Rs. 10 per leaf (for �rst chequebook or if Average Balance isabove Rs. 50,000)
Rs.50/- per month if Average Balance is below PKR 50,000/-, excepton Kamiyab Business Account, PLS Savings, BBA, JS Asaan Current Account,JS Asaan Saving Account, Rupee Current Account, JS Elite Current Account,JS Elite Plus Current Account, JS Platinum Business Account, andJS Premium Current Account
Rs. 450/- per cheque
Rs. 250 per transaction if average balance is below Rs. 50,000/-(Excluding all LCY Current Accounts)
Rs. 250 per transaction if average balance is below Rs. 50,000/-(Excluding all LCY Current Accounts)
Rs. 50/- per scrip – Maximum Rs. 1,000/-
a) Intracity Online Banking
b) Intercity Clearing Charges (Outward)
c) Online Transaction Charges (Intercity)
10
xix) Fee for Issuance of Con�rmation/Investment Certi�cate against Government Securities (SSC’s, DSC’s, USDB’s)
xxi) Custodial Services Charges on Investment Portfolio Security Accounts (IPS) with SBP
Balance uptoRs. 1mn per Issue
Balance more than1mn per Issue:
IPS Transfer Charges:
xx) Excise/Stamp Duty
xxii) Hold Mail
Rs. 500/- per certi�cate
As per regulations
No Charges
0.020% per issue
Rs. 1,000/- �at per transaction
Rs. 475/- per annum
If Average Balance of Rs. 150,000 and above:Free- Chequebook of up to 100 leaves.If Average Balance is below Rs. 150,000:One Chequebook Free(50 leaves), every calendar month
I. FEE WAIVERS
i) JS Platinum Business Account*
Monthly Average Balance : Rs. 150,000/- and above
a) Chequebook Issuance**
b) Internet Banking
c) Platinum VISA Debit Card Annual Fee**
d) Intercity Clearing
e) Same Day Clearing
h) Issuance of Pay Order**
i) Cancellation of P.O/D.D
j) Collection Cheque (Local)
k) Retained Mail
l) Stop Payment
m) Courier/Postage
n) Statement Issuance
o) Balance Certi�cate
f) SMS Alerts**
g) ATM Cash Withdrawal Fee (1Link & MNet)***
Free
Free
Free
Free
Free
Free (Charges to be reversed every day)
Free
Free
Free
Free
Free
Free
Free
Free
* Applicable for Individuals, Sole Proprietorships, Partnerships, Public and Private Limited Companies. ** Waiver of Charges are on basis of average balance of the previous month. Charges will be applied based on average balance of �rst completed month. In case of account opened in current month, waivers will be applied based on actual balance in the account.*** Waiver of Charges are on the basis of average balance of the previous month. For accounts opened during the month, Charges will be reversed on day-end balances.
11
ii) JS Premium Current Account
a) Chequebook Issuance
b) Internet Banking
c) Gold VISA Debit Card Annual Fee**
d) Intercity Clearing
e) Same Day Clearing
f) Lockers* (Rental)
h) Issuance of Pay Order**
i) Cancellation of P.O/D.D
g) ATM Cash Withdrawal Fee (1Link & MNet)
Monthly Average Balance: Rs. 100,000/- and above
iii) Kamiyab Business and LCY Current Account
Monthly Average Balance *** Rs. 100,000/- and above
* Subject to availability of vacant lockers at the branch where the account is maintained** Waiver of Charges are on the basis of average balance of the previous month. Charges will be applied based on average balance of �rst completed month. In case of account opened in the current month, waivers will be applied based on actual balance in the account.
1st Chequebook Free (50 leaves),regardless of average balance.
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free (up to 100 leaves)
Free
Free
Free
Free
One Small Locker Free
Free
Free
Free
One Small Locker Free
4 Free per month
Free (Charges to be reversed every day),regardless of Balance.
* Subject to availability of vacant lockers at the branch where account is maintained. ** Applicable for individuals, sole proprietorships and partnership accounts.***Waiver of Charges are on the basis of average balance of the previous month. In case of account opened in the current month, waivers will be allowed based on actual balance in the account.
a) Counter Cheques
b) Collection Cheque (Local)
c) Retained Mail
d) Stop Payment
g) Courier/Postage
h) Statement Issuance
i) Balance Certi�cate
j) Lockers* (Rental)
k) VISA Classic Debit Card Annual Fee**
l) Intercity Clearing
m) Same Day Clearing
n) Cancellation of P.O/D.D
e) Chequebook Issuance
f) Issuance of P.O/D.D
iv) JS Elite Current Account
a) Chequebook Issuance
b) Internet Banking
c) Classic VISA Debit Card Annual Fee
d) ATM Cash Withdrawal Fee (1Link & MNet)
e) SMS Alerts
f) IBFT
1st Chequebook Free (10 leaves)
Free
Free
Free (Charges to be reversed every day)
Free (1st Three months)
Free
v) JS Elite Plus Current Account
a) Chequebook Issuance
b) Internet Banking
c) Gold VISA Debit Card Annual Fee
d) ATM Cash Withdrawal Fee (1Link & MNet)
e) SMS Alerts
f) IBFT
up to 4 Chequebooks per year (25 leaves)
Free
Free
Free (Charges to be reversed every day)
Free (1st Three months)
Free
g) Pay Order Free
h) Mobile Banking Free
vi) PLS Savings Account/Rupee
Plus Savings Account
a) Counter Cheques
b) Collection Cheque (Local)
c) Retained Mail
d) Stop Payment
e) Chequebook Issuance
f) Issuance of P.O/D.D
g) Courier/Postage
h) Statement Issuance
i) Balance Certif icate
j) Lockers* (Rental)
Monthly Average Balance*** Rs. 250,000/- and above
2 Free per month
2 Free per month
2 Free per month
Free
Free
Free
Free
Free
Free 1st Chequebook (up to 50 leaves)
One Small Locker Free
12
13
l) Intercity Clearing
m) Same Day Clearing
n) Telebanking Services
vii) JS Foreign Currency Plus Savings Account
a) Chequebook Issuance
b) Account Maintenance Charges
Minimum Monthly AverageBalance Requirement
300 GBP, 400 Euro & 500 USD
k) VISA Classic Debit Card Annual Fee***
*Subject to availability of vacant lockers at the branch where account is maintained. **Applicable for individuals, sole proprietorships and partnership accounts.***Waiver of Charges are on the basis of average balance of the previous month. In case of account opened in the current month waivers will be allowed based on actual balance in the account.
Free
Free
Free
Free
1st Chequebook Free (25 leaves)
Charges applicable in USD Equivalent of Rs. 50/- inclusive of FEDCharges applicable in GBP Equivalent of Rs. 50/- inclusive of FEDCharges applicable in EUR Equivalent of Rs. 50/- inclusive of FED
viii) Muhib – e –Watan Account**
Free Services
a) Chequebook Issuance 1st Chequebook Free (25 leaves)
b) VISA Classic Debit Card Annual Fee Free
e) Telebanking Services Free
c) Online Banking Free
d) Issuance of Pay Orders and Demand Drafts
Free
Additional Free Services Rs. 100,000/- and above Monthly Average Balance ***
a) Additional Chequebook Issuance Free 1st Chequebook (up to 50 leaves)
b) Counter Cheques
c) Retained Mail Free
d) Stop Payment
e) Courier/Postage
f) Statement Issuance
g) Balance Certi�cate
Free
Free
Free
Free
Free
h) Lockers* (Rental)
i) Intercity Clearing
j) Same Day Clearing
One Small Locker Free
Free
Free
* Subject to availability of vacant lockers at the branch where the account is maintained.**Applicable for individuals, sole proprietorships and partnerships accounts.***Waiver of Charges are on the basis of average balance of the previous month.
14
J. INVESTMENT BANKING
i) Advisory and Arrangement Fee
ii) Placement and Structuring Fee
iii) Underwriting Commission
iv) Trustee Fee-Term Finance Certi�cate (TFC)
v) Trustee Fee-Mutual Funds
vi) Banker to the Issue
Up to 1.5% of Issue Size
Up to 1% of Issue Size
Up to 1% of underwritten amount
Up to 0.05% of the outstanding TFC amount payableat the beginning of each year
Up to 0.75% of Net Asset Value (NAV)
Up to 0.5% of subscribed amount
Rs. 500/- (per account)Sub Account Opening Fee
* Out of Pocket Expenses may be Negotiated Separately
Custodial Service W.R.TAccounts Held in theCentral Depository System(CDS)
NIL
NIL
Initial Deposit Fee
Transaction Fee
Custody Fee
For Shares
For TFCs
For WAPDA Bonds
For Units
For Shares
For TFCs
For WAPDA Bonds
For Units
For Shares
For TFCs
For WAPDA Bonds
For Units
Blocked Securities
Major Shareholders
Rs. 0.05/- (per Share deposited)
Rs. 0.015/- (per unit deposited)
0.005% (Market value per transaction)
0.005% (Market value per transaction)
0.005% (Market value per transaction)
0.005% (Market value per transaction)
0.025% p.a. (Market value)
0.025% p.a. (Market value)
0.025% p.a. (Market value)
0.025% p.a. (quoted or o�er price)
0.025% p.a. (last closing rate when security was blocked)
0.025% p.a. (market value)
15
Withdrawal Fee
Statement Request Fee
Security Pledge Fee
Pledge Cell Fee
For Shares
For TFCs
For WAPDA Bonds
For Units
For Shares
For TFCs
For WAPDA Bonds
For Units
i) Processing Charges (Including Legal Document Stamping)
ii) Appraisal Fee (Used/Imported Vehicles)
Valuation to be done at Bank’scost where required
K. JS CARAAMAD AUTO FINANCE
Rs. 0.15/- (per share)
Rs. 75/- (per unit)
Rs. 75/- (per WAPDA bond)
Rs. 0.15/- (per unit)
Rs. 0.02/- (per share)
Rs. 0.02/- (per unit)
Rs. 0.02/- (per WAPDA bond)
Rs. 0.02/- (per unit)
Rs. 9,000/-
Rs. 15/- per page or Rs. 175/- per statementrequest, whichever is higher
Rs. 0.01/- per security/per share
iii) Late Payment Fee
iv) Vehicle Repossession Charges
vi) Repossessed Vehicle Storage Charges
v) Insurance Charges
vii) Pre-Payment Charges
viii) Tracker Activation Charges
ix) Litigation Charges
x) Cash Collection Charges
xi) Cheque Return Charges
xii) Issuance of Duplicate NOC
Rs. 900/- per instance
At Actual
At Actual
Rs. 800/- per visit
Rs. 800/- per returned cheque
Rs. 1,500/-
xiii) Income Estimation At Actual
At Actual
At Actual (Min. Rs. 2,500 per month)
6% of the principal in the �rst two years only
At Actual (minimum Rs. 35,000/-, depending on car value/repossession, relocation and outstanding loan amount)
16
L. TERM DEPOSITS PENALTY CHARGES
N. JS FAURI FINANCE
O. SME
i) Application Charges
ii) Chequebook Issuance
v) Legal Document Stamping
iii) Cancellation Processing Fee
iv) Late Payment Charges
M. JS GharApna Home Loans
i) Processing Fees
ii) Legal Documents
iii) Appraisal Charges
iv) Legal Opinion
vii) Income Estimation
v) Pre-Payment Charges- BTF to Other Banks
vi) Pre-Payment Charges - Full Settlement 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year onwards
i) Arrangement Feeii) Review Fee
iii) Interim Fee
At Actual
At Actual
At Actual
At Actual
viii) Late Payment Fee Rs. 1,000/- per instance
ix) Cheque Return Charges Rs. 800/- per returned cheque
NIL
Failure to pay quarterly mark-up within 15 days of becomingdue shall attract a penalty of Rs. 200/- per day.
At Actual
Rs. 2,000/-
1st Chequebook Free (10 leaves)
Rs. 800/-
Minimum Rs. 3,000/-
Minimum Rs. 3,000/-
Minimum Rs. 3,000/-
5% of the outstanding principal
Any Early/ pre mature encashment of Term Deposits (any term), Pro�t shallbe paid out on the last completed declared tenure as per applicable rack ratesat the time of booking of TDR in accordance with the approved policy, or as peragreement with the customer
Rs. 12,000/-
5% of the outstanding principal4% of the outstanding principal3% of the outstanding principal2% of the outstanding principal1% of the outstanding principal
P. JS GOLDFINANCE/ ZARKHEZ GOLDFINANCE
i) Processing Charges
iii) Legal Document Stamping
iv) Prompt Payment Bonus
ii) Valuation Charges by Goldsmith
At Actual
1% of Gold Value (Maximum Rs. 10,000/-)
v) Facility Renewal Processing Charges
Rs. 3,000/-
Rs. 20/- per gram (Minimum Rs. 1,500/-)
Incorporated in Loan Pricing at 2%(if payment is received within due date)
17
Q. JS BANK CREDIT CARD
i) Joining Fee
ii) Basic Card- Annual Fee
iv) Finance Charges – APR
v) Cash Advance Fee
vi) Late Payment Fee
vii) Over Limit Fee
viii) Return Cheque
ix) Card Replacement Fee
x) Balance Transfer/Cash on Call Processing Fee
xiv) Document Retrieval Charges Local
xi) Credit Protector
xii) International ATM/POSxiii) Cash Back
Gold
Classic
Platinum
iii) Supplementary Card – Annual Fee
Gold
Classic
Platinum
Retail
Cash Advance
Balance Transfer/Cash on Call
Gold
Classic
Platinum
xvi) SMS Alerts
xviii) Litigation Charges
xix) Autopay Rejection - Service Fee
xvii) VISA Arbitration Charges for Disputed Transactions
NIL
Rs. 2,400/- (waived on spending of Rs. 5,000/- within1 month of card issuance)Rs. 4,000/- (waived on spending of Rs. 7,500/- within1 month of card issuance)Rs. 7,000/- (waived on spending of Rs. 10,000/- within1 month of card issuance)
Rs.1,200/- (waived on spending of Rs. 5,000/- within1 month of card issuance)Rs. 2,000/- (waived on spending of Rs. 7,500/- within1 month of card issuance)Rs. 3,500/- (waived on spending of Rs. 10,000/- within1 month of card issuance)
40% (3.33% per month)
40% (3.33% per month)
24% (2% per month)
Rs. 1,500/-
NIL
NIL
USD 500/-
At Actual
Rs. 1,200/-
Rs. 900/-
Rs. 500/-
Rs. 800/-
Rs. 1,200/-
Rs. 700/- per transfer
3.50%
0.50%
Rs. 300/-
Rs. 850/-
0.48% of monthly outstanding amount
3% or Rs. 1,200/- whichever is higher
xv) Document Retrieval Charges International
R. RUPEE TRAVELERS CHEQUE
i) Issuance of RTC
ii) Cancellation/Re-Issuance of Lost RTC
iii) Refund in Lieu of Lost RTC
Rs. 500/- per instrument
Rs. 750/- per instrument
Rs. 25/- per instrument, up to maximum Rs. 1,000/- per purchase(to be waived if Rs. 100,000/- maintained in Current Account)
18
iii) Single Transaction Charges
iv) Express Cash Charges
v) Monthly Maintenance Charges
Negotiable
Up to Rs. 5,000/- per month (Negotiable)
Up to Rs. 15,000/- per device (Negotiable)
Negotiable
Negotiable
Up to Rs. 50,000 per annum (Negotiable)
vi) Security Device Charges
vii) Courier Charges
viii) Collection Fee
ix) Annual Maintenance Charges
i) One Time System Implementation
Up to Rs. 50,000/- (Negotiable)
Up to Rs. 25,000/- per service (Negotiable)
Up to Rs. 100/- (Negotiable)
ii) One Time Product Implementation (IFT, IBFT, RTGS, COC, Cheque, Outsourcing, Express Cash)
S. CASH MANAGEMENT
T. MORTGAGE CREDIT FACILITY
Limit(i) Below Rs. 10mn
Up to Rs. 0.500mn
From Rs. 0.501mn to Rs. 1.000mn
From Rs. 1.001mn to Rs. 5.000mn
From Rs. 5.001mn to Rs. 10.000mn
Rs. 10.001mn and Above
(ii) From Rs. 10mn to Rs. 20mn
(iii) From Rs. 20mn to Rs. 30mn
iv) Above Rs. 30mn
(i) Application Processing Fee
(ii) Verif ication of Applicant/Security
(iii) Legal Document Stamping
(iv) Valuation Charges
Property Evaluation,Income Estimation andLegal Charges will beCharged on Actual.
Limit
U. PRIME MINISTER YOUTH BUSINESS LOAN
V. AGRICULTURE FINANCING
(i) Processing Fee on Agri Finance
(a) Fresh Proposals
Up to Rs. 4,000/-
Up to Rs. 8,000/-
Up to Rs. 10,000/-
Up to Rs. 15,000/-
Rs. 100/-
At Actual
At Actual
At Actual
(v) Repossession Charges At Actual
Processing Charges
Processing Charges
Rs. 1,000/-
Rs. 2,500/-
Rs. 4,500/-
Rs. 7,500/-
Rs. 10,000/-
19
Limit
Up to Rs. 0.500mn
From Rs. 0.501mn to Rs. 1.000mn
From Rs. 1.001mn to Rs. 5.000mn
From Rs. 5.001mn to Rs. 10.000mn
Rs. 10.001mn and Above
(b) Renewal of Expired Cases
(c) Enhancement of Limit prior to expiry
iii) Legal Charges
iv) Arranging CIB Report from State Bank (Per Company/Individual)
v) Insurance Charges
vi) Documentation/Valuations/ Feasibility
Processing Charges
Rs. 1,000/-
Rs. 2,000/-
As Per Actual
Rs. 4,000/-
Rs. 6,500/-
Rs. 8,000/-
Limit
Up to Rs. 0.500mn
From Rs. 0.501mn to Rs. 1.000mn
From Rs. 1.001mn to Rs. 5.000mn
From Rs. 5.001mn to Rs. 10.000mn
Rs. 10.001mn and Above
Rs. 1,000/-
Rs. 2,000/-
Rs. 4,000/-
Rs. 7,500/-
Rs. 10,000/-
As Per Actual
As Per Actual
Rs. 35/- (Can be waived on management’s discretion)
ii) Early Adjustment Charges
1 year before expiry
2 year before expiry
3 year before expiry
4 year before expiry
Nil
2% of the outstanding principal
4% of the outstanding principal
5% of the outstanding principal
NOTE: Joining Fee/Annual Fee in case of High Volume/Corporate Consumers may be waived onrecommendation of the respective Business Head. In addition changes for Postage Commission/Service Charges for Postage Commission/Service Charges on Recovery/Tax Changes will also be made accordingly to the prescribed tari�. In addition to all changes, all prevailing Government Levies will also be changed.
GENERAL- This tari� is valid at all o�ces for six months with e�ect from 01 Jan 2017.- All Commission/Fees are subject to Government Tax as announced/amended by the Government from time to time.- Local agent’s Charges at actual if applicable.- The Bank reserves the right to determine the applicability of Charges as per arrangement with customers.- All Government Excise Duties/Taxes/Zakat etc., are for customer’s account and will be deducted in addition to the above mentioned Charges.- Any waiver/reduction in Charges to be allowed as per approval of the competent authority.
Note:1. All Government Excise Duties/Taxes/Zakat etc., are for customer’s account and will be deducted in addition to the above mentioned Charges.2. Out of pocket expenses will be collected for all banking services not otherwise covered by the schedule.3. Correspondent bank Charges will be recovered at actual, in addition to our Charges as per Schedule.4. Charges relating to any customer’s (Individual/Consumer/SME/Commercial/Corporate) may di�er as a result of an agreement between the concerned customer and the Bank.5. Bank Management reserves the right to adjust or waive any or all Charges. However, such adjustments/ waivers will only be subject to approval of the respective Business Head.6. Bank Management reserves the right to recover additional Charges on those accounts which involve unusual work load.7. Charges are waived for JS Bank sta� salary accounts except Locker Charges, IBFT Charges, Other Bank ATM cash withdrawal/balance inquiry Charges and annual debit card chip maintenance Charges, which shall be recovered as per SOC. 8. With respect to non-interest Charges, JS Bank hereby gives notice to all customers to note changes in increased Charges. In case the revised Charges are not acceptable to the customers, they have the right to exit the contract without penalty, provided such right is exercised by 31 December, 2016.
0800.011.22
www.jsbl.com307 Branches in 152 Cities
SindhKarachiAbul Hasan IsphahaniBahadurabadBohra PirBoat BasinChase Store Jail ChowrangiClifton Block IICloth MarketDehli ColonyDHA 26th StreetDHA Bokhari CommercialDHA Kh-e-IttehadDHA Kh-e-ShahbazDHA Khadda MarketDHA Korangi Road, Phase 1DHA Phase VIIIDHA ZamzamaDhorajiFederal B. AreaGarden WestGulistan-e-JauharGulshan ChowrangiGulshan-e-HadeedGulshan-e-IqbalHawksbay RoadHydri MarketIBA City CampusIslamia CollegeJheel Park PECHSJodia BazarKarachi Stock ExchangeKorangi Industrial AreaLandhiLucky StarM. A. Jinnah Road Malir Cantt Marriott RoadN. Karachi Industrial AreaNazimabadNew Challi New Sabzi MandiNorth NapierNorth NazimabadOcean Mall, Clifton OrangiPaposh NagarPark Towers, CliftonProgressive Plaza, Shahrah-e-FaisalRegal Chowk, Saddar S.I.T.E.SaddarSafoora GothShah Faisal Colony Shaheen Complex Shahrah-e-Faisal ShershahSohrab GothTeen Talwar Clifton The CenterTimber MarketU.P. MorrUrdu BazarHyderabadAnaj MandiCitizen ColonyCloth MarketDHALatifabadLatifabad Unit No VIQasimabadSaddar BazarSITE HyderabadSukkurIBA CampusMilitary RoadShaheed GunjBadinBhiriaChak 41 Jamrao Road (Distt. Sanghar)ChambarDaduDera Murad JamaliDigriGhotkiJacobabadJamshoroKot Ghulam MuhammadKotriKandhkotKhairpurKhiproKunriLarkana
MaatliMeharMirpurkhasMitthiMoroNawabshahPano AqilSangharSehwan ShareefShahdadkotShahdadpurSheikh BhirkioShikarpurSultanabadTando AdamTando AllahyarTando JamTando Muhammad KhanThattaUmerkotUsta Muhammad
PunjabLahoreAirport RoadAllama Iqbal TownAzam Cloth MarketBadami BaghBaghbanpuraBahria TownBrandreth RoadCavalry GroundChowburjiCircular RoadCollege RoadDHA Phase VIDHA T-BlockDHA Z-BlockFerozepur RoadGulbergGulshan Ravi RoadIchra, Ferozepur RoadJohar TownM. M. Alam RoadMcLeod RoadModel TownMughalpuraNew Garden TownRaiwind RoadShadman TownShah Alam MarketShadbaghShahdaraUpper MallUrdu BazarWalton RoadWAPDA TownThe Mall BranchTimber Market Ravi RoadZarrar Shaheed RoadRawalpindiAirport Housing SocietyBahria TownBahria Town, Phase 7Bank RoadChakri RoadDHA Phase 2Khayaban-e-Sir SyedKurri RoadPeshawar RoadRaja BazarRange RoadRCCI Industrial Estate RawatSaidpur RoadSattelite TownFaisalabadGhulam Mohammad AbadGrain MarketGulistan ColonyKarkhana BazarLiaquat RoadSatiana RoadGujranwalaBank SquareG. T. RoadSheikhupura RdMultanAbdali RoadBosan RoadVehari RoadWAPDA Town Phase 1GujratG. T. Road
Kacheri ChowkKasurAgrow KasurChandni ChowkPakpattanAgrow PakpattanPakpattan SharifSialkotShahabpuraSialkot CanttSheikhupuraAgrow SheikhupuraSheikhupura BranchAgrow Ellahbad TheengmorrAli Pur Chatta ArifwallaBahawalpurBhakkarBhawalnagarBurewalaChakwalChah Chand wala DistrictChichawatniChiniotChishtianDaskaDera Ghazi KhanDingaDepalpurGagoo MandiGhakkhar MandiGojraGohadPurGulyanaJalalpur JattanHa�zabadHaroonabadHasilpurJauharabadJehlumJhangKamokiKhanewalKharianLalamusaLayyahLodhranMandi BahauddinMandi FaizabadMian ChunnooMouza Gajju Hatta ShujabadMouza Kachi JamlMouza Parhar SharqiMuridkeMuza�argarhNankanaNankana SahibNarowalNeka Pura Pasrur RoadOkaraPir MahalQaboolaRabwaRahim Yar KhanSadiqabadSahiwalSambrialSargodhaTaxilaToba Tek SinghVehariVillage HarappaUgokiWazirabad
Khyber PakhtunkhwaPeshawarDabgari GardensFakhar-e-Alam RoadGrain MarketSikandarPuraKarkhano HayatabadUniversity RoadAbbotabadAttockBafaBannuChitralD.I.KhanHaripurMansehraMardanMattni ChanganMingora
NowsheraSaleh khanaShahkas Khyber AgencyTimergaraTopi
BalochistanQuettaMA Jinnah RoadQuetta CanttZarghoon RoadDuki HarnaiGawadarKhanozai Pishin
Azad Jammu & KashmirBaghChaksawariCharhoiDadyalDinaHattianJatlanKhui RattaKotliMirpurMuza�arabadNaarrRawalakotSehnsaSeri
Gilgit-BaltistanGilgit
Federal CapitalBara KahuBlue AreaE-11F-10F-7F-8Falcon Complex Khanna RoadG-11G-13G-15I-8I-9Islamabad Stock ExchangeKhanna PulNPF 0-9, PWD RoadTarlai KalanWah Cantt
BahrainManama