schedule of charges - js bank · (c) if documents are sent to us by other banks for collection...

01 January to 30 June 2017

Schedule of Charges

307 152

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


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


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/-



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


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


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 (1st Three months)

Free

v) JS Elite Plus Current Account


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 (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)


12

13

l) Intercity Clearing

m) Same Day Clearing

n) Telebanking Services

vii) JS Foreign Currency Plus Savings Account


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


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


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)




0.025% 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 WAPDA bond)


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/-


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. 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



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





(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





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




Nil




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