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 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.

Privileged Services, Beyond Expectations

Free UBL Visa Infinite Debit
& Visa Platinum Credit Card*

Free Locker and
Cheque Book

Free Mobile
Banking

Enhanced Withdrawal IBFT &
POS limits

Access to 1200+ Airport
Lounges Worldwide

Access to all UBL Signature
Priority Lounges across Pakistan

Dedicated Priority
Helpline (0800-99825)

Exclusive alliances with
premium discounts

Avail Our Signature Priority Banking Services Nationwide

Visit your nearest UBL Branch or call our dedicated Priority Banking helpline.

0800-99825

Liability, Consumer & Investment Products

Deposit Products

Deposit Certificates

Mutual Funds

Bancassurance

Privileged Consumer Products

Signature Banking Criteria

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

Account Category	Individual & Sole Proprietors
Conventional CA	PKR 3 Million
Conventional FCY	Equivalent to PKR 6 Million

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: Saving Account criteria is no longer part of Signature Priority Banking. First Debit Card Issuance is Free.

The criteria for Signature Priority Banking is increased from PKR 2 M to PKR 3 M for Local currency current account holders and equivalent FCY of PKR 6 M for foreign currency account holders. This is effective from January 1st 2025 for new account holders/ upgradations and April 1st 2025 for existing Signature Priority Banking account holders.
*Platinum Credit Card will be subject to a first year annual fee waiver