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.

Voice Command

Speak More, Tap Less.

Introducing Voice Command on the UBL Digital App.
Simply say what you need and get it done instantly, completely
hands-free.

Why Tap When You Can Talk?

Meet UBL’s new AI-powered Voice Command feature
— the first of its kind in Pakistan.

Now you can

Transfer Funds
Pay Bills
Top Up your Mobile, or
Check your Account Statement

— all with a simple voice command in English or Urdu.

Key Features

Discover the features that make Voice Command fast, intuitive, and effortless to use.

Speak Any Language

Supports voice commands in both English & Urdu.

Hands-Free Banking

No menus. No typing. Just talk.

Smart Confirmation

Confirmation appears in the same language you spoke.

Instant Action

Get things done in under 2 seconds with lightning-fast command recognition.

How It Works

Here’s how to start using the feature in a few simple steps.

Open and log into your UBL Digital App.

Tap the microphone icon on the dashboard.

Clearly speak your command in either English or Urdu (e.g., "Pay my bill," or "10,000 rupaye transfer kar do")

Confirm the details and approve the transaction.

Disclaimer

The new UBL Voice Command feature is currently being refined and may occasionally misinterpret commands or encounter technical variations. The customer assumes full responsibility for accurately reviewing and verifying all transaction details—including the amount and recipient—presented on the final confirmation screen before approving any payment or transfer. By confirming the transaction, the customer acknowledges that they have independently verified the accuracy of the details, and UBL is not liable for errors stemming from unverified inputs.

How to Talk to Your App

Here are some examples of what you can say:

Fund Transfer Example

English Command: “Transfer 10,000 to Ahmad”
or
Urdu Command: "احمد کو 10,000 بھیجیں۔"

Bill Payments Example

English Command: “Pay K-Electric bill”
or
Urdu Command: "کے الیکٹرک کا بل ادا کریں"

Mobile Top-ups Example

English Command: “Recharge Jazz with 500 rupees”
or
Urdu Command: “جاز کو 500 روپے ریچارج کریں”

Account Statement Example

English Command: “Show last 30 days statement”
or
Urdu Command: "آخری 30 دن کا اکاؤنٹ اسٹیٹمنٹ دکھائیں "

UBL AI Voice Command

Banking is now simpler, faster, and accessible to everyone.

Try hands-free banking today! Update your UBL Digital App and tap the mic icon to begin.

Ready to Talk to Your Bank?

Download the UBL Digital App to get started today

Get it now!