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.

Financial Inclusion of Persons with Special Abilities

United Bank Limited is mandated to the agenda ‘where you come first’. At UBL, we prioritize each customer segment without any discrimination.

Following our agenda, we feel honored to cater customers that are segmented as Person With Disabilities or what we call Person with Different Abilities at our bank. We cater to following customer types in this segment:

Visually Impaired
Individuals

Hearing Impaired
Individuals

Physical Impaired
Individuals

Speech Impaired
Individuals

Cerebrally Challenged
Individuals

PWD Accessibility Banking

To make banking accessible, convenient and comprehensible for PWDs, UBL has taken following measures to make this segment inclusive in our society.

Full Range of Product Suite

Without any discrimination, UBL offers its diversified product suite to all customers, including PWDs.

Our product suite include day to day transactional accounts, saving accounts, financing products, investment products, insurance plans, wealth management solutions, digital solutions, debit & credit cards etc.

Accessible Infrastructure

We have over 35 branches nationwide branches with facilities for PWDs. These branches also have visibility through PWD Signage outside them for the customers to identify and are equipped with PWD staff, where possible. These specifications in these branches include:

Ramps

Dedicated Parking Spaces

Wheelchairs

Talking ATMs for visually impaired

ATMs with Morse Code

Low-Height Counters

PWD Specialized Restrooms

PWD specialized Lockers

Elevators where required

Talking ATMs for visually impaired

Braille Stationery for visually impaired

PWD Q-matic for priority services to all PWDs

Priority Dealing at Branches

Our PWD Q-matic service prioritizes customers as soon as they enter the branch for banking services.

Financial Awareness Sessions

The bank holds financial awareness sessions every year to inform PWDs about the products and services offered by UBL.

Sensitized and Collaborative Staff

For visually impaired individuals, UBL provides all required documents in braille, making it easy for PWDs to open their accounts.

Discounted Rate Offerings

Diverse Dreams, Lower Rates!

Offering special Discounts for differently abled Customers.

0.5% on UBL Drive/Ameen Drive in markup/pricing across all existing grids/tiers

2% on Cash Plus from standard pricing of 1YK + 22%

50% for waiver on processing fee on UBL Address/Ameen Address

Availability of PWD Staff

In each of our PWD model branches, PWD staff is available so you can easily avail any of our services without any problem.

Please click here for list of our specialized model branches that cater to the needs of our PWD customers. However, PWD customers can visit any of our branches to avail banking services.