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 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

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.

Invest in Term Deposit with UBL Digital App

Investment Options

UBL Digital App offers two options for investment

Certificate of Deposit

Receive profit at the end of your selected tenure.
Minimum investment amount is PKR 50,000.
Any amount higher than the minimum investment needs to be in multiples of PKR 50,000.
Available for both Current and Savings account holders.

Mahana Aamdani Term Deposit

Receive profit on a monthly basis.
Minimum investment amount is PKR 25,000.
Any amount higher than the minimum investment needs to be in multiples of PKR 25,000.
Only Available for Current account holders.

Key Features

No need to visit a
branch

Invest in few clicks with UBL Digital App

Investment tenure option from 03 months to 10 years

High Rate of Return
per Annum

Re-invest automatically with Rollover option

How to Invest?

Conveniently invest in few taps on UBL Digital App

1

Login to UBL Digital
App

2

Tap on Accounts and select Savings & Investments

3

Tap on
Term Deposit

4

Tap on
Book New Term Deposit

5

Select the type of
Term Deposit

6

Select a Tenure
from 3 months to 10 years

7

Select the Account to book your New Term Deposit

8

Enter the Amount you want to invest

9

To Rollover your Investment, press Yes or No

10

Review Your investment and Book now!

Download the App to Invest now!

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Frequently Asked Questions

How do I check the TDRs I’ve booked?

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?
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 year
- 5 year
- 10 year

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

Invest in Term Deposit in less than a minute.