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.

U-Lead Management Trainee Program

U-Lead is our signature Management Trainee Program designed to recruit and train recent graduates for future management leadership roles through specialized trainings, impactful projects and senior leadership exposure. This structured program provides a unique opportunity to empower the next generation of leaders.

Apply Now

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U-Lead Management Trainee Program

Developing leadership and management capabilities throughout the organization is a crucial element of our people agenda. This program is curated to provide recent graduates with an opportunity to gain experience across three major streams in Head Office based functions. It is a highly competitive and prestigious program that not only provides exceptional training, mentorship and career development, but also equips them to take on challenging projects through invaluable coaching from UBL’s leadership team.

Our goal is to develop future leaders who can drive the Bank’s growth and success.

Eligibility Criteria

Candidates who have completed their Bachelor’s or Master’s Degree
Minimum CGPA 3.00.
Age up to 28 years.
Fresh Graduates or up to 1 year of working experience.

Career Journey with UBL

Onboarding

After being successfully selected from Panel Interviews, the candidates will be on-boarded

Orientation Program

Introduction to the Bank, its mission, core values and functions to set the foundation for long-term success of trainees.

Rotation Plan

To provide a hands-on experience of the work environment, the trainees will be rotated among three major streams, comprising of various functions, and will be assigned specialized projects during their rotations.

Mentoring

Trainees will work closely with Senior Leadership and former Management Trainees during their rotation period, who will advise and assist them with their assigned projects.

Assessment & Placement

After successful completion of projects and satisfactory performance assessments, Trainees will be permanently placed in respective Bank functions to further grow their careers.

Apply Now

Launching soon!

U-Lead Management Trainee Program

U-Lead Management Trainee Program

Eligibility Criteria

Career Journey with UBL

Frequently Asked Questions