wasifis/bank-assistant-qa · Datasets at Hugging Face

instruction stringclasses 1 value	input stringclasses 318 values	output stringclasses 328 values
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Are there any taxes applicable on this account?	Zakat and taxes are applicable as per law.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What will be the monthly insurance charges on a vehicle valuing Rs.3 million?	With the current insurance rate of 1.75% per annum, it will be Rs.4,375/- per month. Insurance rate once fixed, shall remain unchanged during the whole tenor of financing.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is RDA Digital Customer Onboarding?	RDA Digital Customer Onboarding is an innovative service by NUST Bank that allows customers to open and manage their accounts digitally, providing a seamless experience without the need for physical visits.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any condition related to bank account maintenance for availing NUST Imarat Finance?	Minimum 1 year bank account statement with NUST or Minimum 2 years bank statement with any other bank.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is Home Remittance?	Home Remittance Service enables remitters to send money from abroad to Pakistan instantly, conveniently, and safely through the legal banking channel.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does the bank require any Equity for this scheme?	AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does the bank require any Equity for this scheme?	AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is Zakat and WHT taxes applicable on Roshan Digital Account?	Zakat and WHT taxes on profit are not applicable on RDA account.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Are there any Credit and Debit limits in NUST Freelancer Digital Account?	The following Transaction limits apply: Maximum Credit Balance Limit USD 5,000 or equivalent, Monthly Debit Limit USD 5,000 or equivalent, Cash Withdrawal Limit PKR 500,000 or equivalent / per day.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	For All NUST Life Banca Products, are brochures available?	Yes, brochures for all NUST Life Banca products are available.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What types of Housing Finance products does NUST offer?	Purchase of House/ Apartment/ Flat/ Residential Unit, Purchase of Plot (+) plus Construction, Construction of House/ Residential Unit on already owned residential plot, Renovation of House/ Apartment/ Flat/ Residential Unit, Extension/ Expansion/ Improvement, Balance Transfer Facility (BTF) against existing financing facility of borrower from other banks/DFIs. Note: Housing finance will not be allowed purely for the purchase of land/ plot.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Little Champs Account?	The Little Champs Account is a product designed specifically for minors (individuals below the age of 18 years). A child requires the help of a parental/legal guardian to open this account and avail its facilities.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the service/documentation/legal charges in NUST Ujala Finance?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in NUST Rice Finance?	Minimum 20 years (in case of sole proprietorship), Maximum 65 years at the time of application. This criteria is not applicable if business concern is a partnership or limited company. This age can be relaxed in case of effective succession planning is available.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the processing charges for NUST Flour Mill Finance Application?	Processing fee will be charged @ 0.15% of total limit(s) processed/approved or Rs. 25,000/- whichever is higher.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the opening and minimum balance requirement in NAA?	Account can be opened with Rs.100/ and there is No minimum balance requirement.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the current Mark-up rate of Ask Fauri Business Finance?	AFBF-1: 3MK /COD +1.50%, AFBF-2: 12 MK /COD +2.0%, AFBF-3: As per SOC, AFBF-4: As per SOC.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does the bank require any Equity for this scheme?	AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the maximum tenure of NUST Rice Finance?	Cash Finance: Max 270 Days or Clean-up corridors whichever is earlier, Running Finance: One Year.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any account which provides lucrative profits on my long term savings?	Yes, NUST Maximiser Account has been designed to fulfill your basic banking needs and provide lucrative profit on your savings.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Eligibility Criteria for business entity in Ask Fauri Business Finance?	All except individuals.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the insurance charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Target Market of NUST Asaan Digital Account?	NUST Asaan Digital Account is specially designed for unbanked / under-banked customer segments. This account is most suited for but not limited to skilled/unskilled workforce.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free services available with ASDA?	Free E-statement & I-Net Banking, Free Inter Branch Online Cash Deposit/Withdrawal (Online), Free Internal Fund Transfer within NUST via branch (Online Transfer), Free Banker’s Cheque Issuance, Free SMS Alerts on Digital Transaction.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can overseas Pakistanis obtain Personal Finance facility from NUST?	No, the availability of applicants & their employers is mandatory within Pakistan for applying clean Personal Finance.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the insurance charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any Premature Encashment Penalty in NUST Maximiser Term Deposit?	The encashment of NUST Maximiser Term Deposit before maturity will be subject to premature encashment penalty as below: Principal amount x 1.5% per annum on the remaining period of the Term Deposits. (For example, if a deal booked for 5 years matures after 2 years – penalty/charges will be 4.5% x Principal Amount). Minimum penalty/charges are 1.5% of the principal amount. The penalty amount will be to the extent of profit paid/payable only.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the main Features of the Little Champs Account?	• Minimum initial deposit of Rs.100/- • Little Champs Savings A/C • Free first chequebook* (For Current Account only) • Free debit card* (annual/replacement fees apply) • Profit Payment: Semi-Annually • Profit Rate: 0.19 • Daily funds Transfer Limit: Rs.100,000/- • Daily ATM Withdrawal Limit: Rs.25,000/- • Daily POS Limit: Rs.50,000/-
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the Loan Limits of NUST Rice Finance?	ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any grace period allowed in any financing?	Grace period of 3 months allowed for AFBF-2 (Term Loan Only).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free benefits of NUST Freelancer Digital Account?	Free Issuance of First Cheque book (10 Leaves), Free First Issuance of UnionPay Debit Card, Free First Cheque Book & Debit Card Delivery, Free SMS alerts facility (Digital Transactions), Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the charges applicable for NUST Hunarmand Finance?	Applicable as per PMYB & ALS.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the service/documentation/legal charges in Ask Fauri Business Finance?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can I avail Loan Facility if there are defaults against my previous loan(s)?	No. Regular payment against previous loans is necessary.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can applicant avail clean loan in NUST Sahar Finance?	Max Rs: 0.70 million can be availed against personal and third party guarantee.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free facilities associated with Roshan Digital Account?	Free First Issuance of Debit Card (annual charges as per prevailing SOC). Free I-Net banking. Free E-statements.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the current Mark-up rate of NUST Flour Mill Finance?	Cash Finance: 3 Months average KIBOR + 3% p.a. Running Finance: 3 Months average KIBOR + 3.5% p.a. (Reviewed/revised on quarterly basis).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Target Market?	Individuals running a freelance service business
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Other Important Information about EFU Insurance Plans	- Only Education and Marriage Plans are Limited time plan with Continuation Benefits (in case of death payment will be made upon maturity) - Single Premium Plan which can be terminated at any time, in case of death Cash Value or Sum Assured whichever is higher will be paid - Annual / Half Yearly / Quarterly - Policy Premium Payment Modes Available as per customer convenience - Aggressive Growth Plan is a high risk Plan depends on customer profile - Death Claims will be handled by EFU subject to completion of required documents and eligible if policy status is Active, Inforced/Reinstated only
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the service/documentation/legal charges in NUST Flour Mill Finance?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the NUST Asaan Digital Account?	NUST Asaan Digital Account is a digital banking product that provides a simple, easy-to-use platform for customers to manage their finances conveniently online.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is NUST Maximiser Account?	NUST Maximiser Account is a deposit account that offers higher returns with the flexibility of easy access to funds, aiming to maximize savings for the account holder.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can I track my remittance status online?	Yes, you can view the status of your remittance online through NUST Remittance Tracker by following link https://NUSTbank.com/services/alternate-delivery-channels/home-remittance-tracking/
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	How much loan can I avail?	Up to a maximum of Rs.3 Million from all banks/DFIs in aggregate, subject to a maximum of 40% Debt Burden requirement.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the insurance charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Other Important Information about Jubilee Life Insurance Plans	- Only Education and Marriage Plans are Limited Time plans with Continuation Benefits (in case of death, payment will be made upon maturity). - In case of death, Cash Value or Sum Assured, whichever is higher, will be paid. - Annual/Half Yearly/Quarterly Premium Payment Modes are available as per customer convenience. - Policy growth depends on the associated Mutual Fund units market rate growth (Multiple fund choices available from JLI). - Death claims will be handled by Jubilee Life, subject to completion of required documents, and the policy must be Active, Inforced, or Reinstated only.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free benefits of NUST Asaan Digital Remittance Account?	Some free benefits of NUST Asaan Digital Remittance Account include: Free Issuance of First Cheque book (25 Leaves), Free First Issuance of PayPak Debit Card, Free First Cheque Book & Debit Card Delivery, Free SMS alerts facility (Digital Transactions), Free E-statement & I-Net Banking, Free Inter Branch Online Cash Deposit/Withdrawal, Free Internal Fund Transfer within NUST via branch, Free Banker’s Cheque Issuance, and Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Are there any Credit and Debit limits in NUST Freelancer Digital Account?	The following Transaction limits apply: Maximum Credit Balance Limit: USD 5,000 or equivalent Monthly Debit Limit: USD 5,000 or equivalent Cash Withdrawal Limit: PKR 500,000 or equivalent per day
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Target Market?	HNW Individuals (either singly or jointly), Proprietorship Concerns, Partnership Firms, Public and Private Limited Companies, Government Organizations, Corporations, Clubs, Societies, Associations, NGOs.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the Loan Limits of NUST Rice Finance?	ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free facilities NUST is offering on NUST Sahar Current Account?	First Cheque Book, First Debit Card Issuance, 50% Discount on first year Locker Rental (subject to locker availability), Bankers Cheque Issuance, Inter Branch Online Cash Withdrawal/Deposit (Online), Internal Fund Transfer within NUST via branch (Online Transfer), SMS Alerts on all banking Transactions, I-Net and Mobile Banking, E-statement Facility and much more. Subsequent Charges/Annual Fees would be as per prevailing Schedule of Charges.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	For which purposes PMYB & ALS is being offered?	• To start new business • To expand existing business
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can I obtain financing on my owned property by mortgaging it?	Yes, purpose of finance has to be in line with the purpose defined by regulator i.e., Financing for construction of house on owned residential plot, Balance Transfer Facility (BTF) against existing financing facility of borrower from other banks/DFIs, Renovation of owned House/ Apartment/ Flat/ Residential Unit, Extension/ Expansion/ Improvement of Residential Unit.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	How can I apply for loan?	You can apply by visiting any of our Branches or by calling us at 24 hours Contact Centre at 111-000-787. Our dedicated staff will help you to complete your loan application and other formalities.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the Loan Limits of NUST Rice Finance?	ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the repayment frequency in PMYB & ALS?	Repayment of PMYB&ALS loans will be made in the form of 'monthly or quarterly Instalments (or as per SBP’s directives).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Application processing time?	The processing time of Personal Finance is 10 working days from login till approval (subject to complete application with required documents).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	In which currency will I receive my remittance?	All home remittance payments are disbursed in Pak Rupees.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in NUST Ujala Finance?	SE/ME Financing: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria). Vendors/Suppliers: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria). NUST Employees’ Financing: No age limit. Domestic Applicant Financing: Between 25-55 years at the time of application. (Any one borrower or co-borrower should meet criteria)
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Who can apply for NUST Auto Finance?	• Salaried Individuals. • Specially Abled Persons/Visually Impaired Persons/Persons with Disabilities (PWD). • Self Employed Businessman/Woman (SEB). • Individuals having any other verifiable source of income. • Self Employed Professionals (SEP).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	How many EFU Insurance Plans available?	o EFU Savings and Protection Plan – Life time Protection and Saving Plan – 18K o EFU Education and Marriage Plan – Limited Time Plan (Continuation Benefits) – 18K o EFU Retirement Plan – Saving & Protection – 18K o EFU - Single Premium Plan – Single Premium Investment Plan – 100K o EFU Aggressive Growth Plan – High Allocation Investment & Savings Plan – 250K
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the insurance charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is your bank offering Profit & Loss account?	Yes, Profit & Loss Sharing Account is specially designed to meet the transactional and savings need of customers.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free facilities associated with Roshan Digital Account?	Free First Issuance of Debit Card (annual charges as per prevailing SOC). Free I-Net banking. Free E-statements.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the valuation/BOQ charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does NUST Bank offer any account for Non-Resident Pakistanis (NRPs)?	Yes, Roshan Digital Account. Specially designed for Individual Non-Resident Pakistanis (NRPs) seeking to undertake banking, payment, and investment activities in Pakistan.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	I would like to open an account with my son, do you have any product for kids?	Yes, our product is the Little Champs Account. It is designed specifically for minors (individuals below the age of 18 years). A child requires the help of a parental/legal guardian to open this account and avail its facilities. Little Champs get a Debit Card and chequebook, which is free the first time.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does NUST Bank have a specialized remittance Account as per SBP guideline?	Yes, NUST has a remittance account named Pak Wattan Remittance Account.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the minimum and maximum financing amount?	The minimum financing amount is Rs. 500,000. The maximum financing limit will be up to Rs.100,000,000/- subject to 50% Debt Burden Ratio(DBR) as per SBP PRs for Housing Finance.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Target Market?	The target market for NUST Asaan Digital Remittance Account includes individuals - beneficiaries (families) of Pakistanis working abroad.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the profit rate for FCY term deposits?	Profit Rate for USD: 0.0025, GBP: 0.0025, EUR: 0.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does NUST Bank offer a Digital Banking Account for Freelancers?	NUST Freelancer Digital Account is exclusively designed for Freelancers, so that they can receive their payments directly in a bank account and enjoy other lifestyle banking services as well.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the processing charges for NUST Flour Mill Finance Application?	Processing fee will be charged @ 0.15% of total limit(s) processed/approved or Rs. 25,000/- whichever is higher.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the current Mark-up rate of NUST Ujala Finance?	6 % per annum for all. Markup at 12M Kibor + 4% Per Annum to be charged till refinance claim reimbursed by SBP.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can remittance be sent from anywhere to Pakistan?	Yes, remittance can be sent from around the globe to Pakistan through our agent partners like Western Union, Mastercard, Dandelion Payments (RIA), etc. For more information please go through the following link: https://NUSTbank.com/services-home-remittance-our-partners/
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	How will I get update of my Credit Card Application?	You can visit/ call or send email at our Customer Services centre(s) as well. Services centre(s) as well. Email Address: [email protected].
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is RDA Digital Customer Onboarding?	RDA Digital Customer Onboarding is an innovative service by NUST Bank that allows customers to open and manage their accounts digitally, providing a seamless experience without the need for physical visits.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is your bank offering any Current Deposit account?	Current Deposit Account is specially designed for customers with regular banking transactional needs and do not need Profit.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the current Mark-up rate of NUST Imarat Finance?	General Regular SME’s: End-user Rate: 12MK+4% p.a. (to be reviewed on annual basis). SME’s Backed By Armed Forces: End-user Rate: 12MK+2.5% p.a. (to be reviewed on annual basis).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in NUST Flour Mill Finance?	The age of the borrower (in case of sole-proprietorship) must be minimum 20 years, and not exceed 65 years at the time of application. This age limit can be relaxed in case of effective succession planning for business operations. This criteria is not applicable if the business concern is a partnership or limited company.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the repayment frequency in PMYB & ALS?	Repayment of PMYB&ALS loans will be made in the form of 'monthly or quarterly Instalments (or as per SBP’s directives).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in PMYB & ALS and any mandatory qualification/experience required?	All Pakistanis aged between 21 and 45 are eligible to apply, however for IT/E-Commerce related businesses, the lower age limit will be 18 years (at least matriculation or equivalent education will be required).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the maximum tenure of NUST Rice Finance?	Cash Finance: Max 270 Days or Clean-up corridors whichever is earlier, Running Finance: One Year.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Loan Amount that can be availed under NUST Ujala Finance?	i. Small Enterprise – upto Rs. 15 M ii. Medium Enterprise – upto Rs. 25M iii. Domestic users – from Rs. 0.5M to Rs. 3.0M iv. NUST employees: upto Rs. 3.00M v. Vendors/Suppliers: From Rs. 5M to 25 Million – (Single Vendor)
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Please tell me about the Minimum Monthly balance required for this account?	No initial deposit requirement. Rs. 100,000/- (Monthly Average Balance).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the insurance charges?	At actual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	How many Jubilee Life Insurance Plans are available?	• Jubilee Life Savings and Protection Plan - Lifetime Protection and Saving Plan • Jubilee Life Education Plan - Limited Time Plan (Continuation Benefits) • Jubilee Life Marriage Plan - Limited Time Plan (Continuation Benefits) • Jubilee Life Retirement Plan - Saving & Protection
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Whether the bank is responsible for any type of dispute related to Warranty/Fault in vehicle/Service issues with Dealership or vehicle Manufacturer?	No. Bank does not assume this responsibility. Customer will take up the matter directly with the dealership or manufacturer.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the benefits of NUST Bank Auto Finance?	• Competitive Floating & Fixed Mark Up Rate. • Partial Payment option available to reduce monthly installment. • Attractive Insurance Rate at 1.75% per annum. • Quick Processing & Minimum Documentation. • Free Tracker & Its installation. • No hidden charges. • Free Accidental Life Insurance up to Rs.1,000,000.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Eligibility Criteria for NAA?	Resident Pakistani individuals who do not maintain/have any other account (single or joint) in NUST Bank Limited are eligible to open the NAA in Pak rupees as a single/joint account.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can I avail more than one House loan?	Yes. One can avail two Mortgage Loans at a time from NUST Bank within Debt Burden Ratio (DBR) as per prevailing SBP PRs for Housing Finance.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any Insurance Coverage for this account?	• ATM Cash Withdrawal Insurance coverage up to daily cash withdrawal limit of the debit card from NUST Bank ATMs. • 24 hours world-wide ‘Accidental Death & Permanent Disability’ insurance coverage to Debit Card holders. Rs. 500,000/- and Rs. 700,000/- for Classic and Gold Debit Cards respectively. • 24 hours world-wide ‘Accidental Death & Permanent Disability’ insurance coverage. The sum insured per account holder shall be equivalent to four times of the average balance completed in the last six months – maximum up to Rs. 2.5 million.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the profit rate for NUST Maximiser Savings Account?	Profit Payment: Monthly. Profit Rate: 0.19.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What happens if I fail to fulfil your payment obligations?	In case of overdue / default, recovery department of NUST will contact you, your loan-related details will be reported to Credit Bureau. Late payment will be applicable as per prevailing schedule of charges. Legal proceeding may also be initiated by the Bank.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is NUST Bank Participating in PMYB & ALS?	NUST Bank is actively participating in PMYB&ALS. It has been specially designed to provide self-employment opportunity to the unemployed youth of the country who have skills, knowledge, experience or willingness to start their own businesses on small to medium scale or expand existing business on vast scale.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Does the bank offer option of Term Deposits with this account?	Yes, Option to book exclusive NUST Sahar Term Deposits from NUST Sahar Current Account at attractive rates is available.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any condition related to bank account maintenance for availing NUST Imarat Finance?	Minimum 1 year bank account statement with NUST or Minimum 2 years bank statement with any other bank.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Account type of NUST Freelancer Digital Account? Is it Current or Saving?	NUST Freelancer Digital Account offers Current Account in PKR & FCY (USD, GBP, EUR, AED).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in PMYB & ALS and any mandatory qualification/experience required?	All Pakistanis aged between 21 and 45 are eligible to apply, however for IT/E-Commerce related businesses, the lower age limit will be 18 years (at least matriculation or equivalent education will be required).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any minimum age to avail financing in NUST Imarat Finance?	New Business: Minimum 30 years at the time of application, however age not to exceed 60 years at maturity of loan. Existing Business: Minimum 30 years at the time of application, however age not to exceed 65 years at maturity of loan.

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Are there any taxes applicable on this account?

Zakat and taxes are applicable as per law.

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What will be the monthly insurance charges on a vehicle valuing Rs.3 million?

With the current insurance rate of 1.75% per annum, it will be Rs.4,375/- per month. Insurance rate once fixed, shall remain unchanged during the whole tenor of financing.

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What is RDA Digital Customer Onboarding?

RDA Digital Customer Onboarding is an innovative service by NUST Bank that allows customers to open and manage their accounts digitally, providing a seamless experience without the need for physical visits.

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Is there any condition related to bank account maintenance for availing NUST Imarat Finance?

Minimum 1 year bank account statement with NUST or Minimum 2 years bank statement with any other bank.

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What is Home Remittance?

Home Remittance Service enables remitters to send money from abroad to Pakistan instantly, conveniently, and safely through the legal banking channel.

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Does the bank require any Equity for this scheme?

AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).

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Does the bank require any Equity for this scheme?

AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).

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Is Zakat and WHT taxes applicable on Roshan Digital Account?

Zakat and WHT taxes on profit are not applicable on RDA account.

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Are there any Credit and Debit limits in NUST Freelancer Digital Account?

The following Transaction limits apply: Maximum Credit Balance Limit USD 5,000 or equivalent, Monthly Debit Limit USD 5,000 or equivalent, Cash Withdrawal Limit PKR 500,000 or equivalent / per day.

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For All NUST Life Banca Products, are brochures available?

Yes, brochures for all NUST Life Banca products are available.

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What types of Housing Finance products does NUST offer?

Purchase of House/ Apartment/ Flat/ Residential Unit, Purchase of Plot (+) plus Construction, Construction of House/ Residential Unit on already owned residential plot, Renovation of House/ Apartment/ Flat/ Residential Unit, Extension/ Expansion/ Improvement, Balance Transfer Facility (BTF) against existing financing facility of borrower from other banks/DFIs. Note: Housing finance will not be allowed purely for the purchase of land/ plot.

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What is the Little Champs Account?

The Little Champs Account is a product designed specifically for minors (individuals below the age of 18 years). A child requires the help of a parental/legal guardian to open this account and avail its facilities.

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What are the service/documentation/legal charges in NUST Ujala Finance?

At actual.

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Is there any minimum age to avail financing in NUST Rice Finance?

Minimum 20 years (in case of sole proprietorship), Maximum 65 years at the time of application. This criteria is not applicable if business concern is a partnership or limited company. This age can be relaxed in case of effective succession planning is available.

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What are the processing charges for NUST Flour Mill Finance Application?

Processing fee will be charged @ 0.15% of total limit(s) processed/approved or Rs. 25,000/- whichever is higher.

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What is the opening and minimum balance requirement in NAA?

Account can be opened with Rs.100/ and there is No minimum balance requirement.

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What is the current Mark-up rate of Ask Fauri Business Finance?

AFBF-1: 3MK /COD +1.50%, AFBF-2: 12 MK /COD +2.0%, AFBF-3: As per SOC, AFBF-4: As per SOC.

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Does the bank require any Equity for this scheme?

AIF 1 & AIF 2: Minimum 30% (Existing business) & Minimum 40% (New Business). AIF 3 & AIF 4: Nil for Existing business & Minimum 25% (New Business).

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What is the maximum tenure of NUST Rice Finance?

Cash Finance: Max 270 Days or Clean-up corridors whichever is earlier, Running Finance: One Year.

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Is there any account which provides lucrative profits on my long term savings?

Yes, NUST Maximiser Account has been designed to fulfill your basic banking needs and provide lucrative profit on your savings.

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What is the Eligibility Criteria for business entity in Ask Fauri Business Finance?

All except individuals.

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What are the insurance charges?

At actual.

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What is the Target Market of NUST Asaan Digital Account?

NUST Asaan Digital Account is specially designed for unbanked / under-banked customer segments. This account is most suited for but not limited to skilled/unskilled workforce.

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What are the free services available with ASDA?

Free E-statement & I-Net Banking, Free Inter Branch Online Cash Deposit/Withdrawal (Online), Free Internal Fund Transfer within NUST via branch (Online Transfer), Free Banker’s Cheque Issuance, Free SMS Alerts on Digital Transaction.

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Can overseas Pakistanis obtain Personal Finance facility from NUST?

No, the availability of applicants & their employers is mandatory within Pakistan for applying clean Personal Finance.

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What are the insurance charges?

At actual.

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Is there any Premature Encashment Penalty in NUST Maximiser Term Deposit?

The encashment of NUST Maximiser Term Deposit before maturity will be subject to premature encashment penalty as below: Principal amount x 1.5% per annum on the remaining period of the Term Deposits. (For example, if a deal booked for 5 years matures after 2 years – penalty/charges will be 4.5% x Principal Amount). Minimum penalty/charges are 1.5% of the principal amount. The penalty amount will be to the extent of profit paid/payable only.

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What are the main Features of the Little Champs Account?

• Minimum initial deposit of Rs.100/- • Little Champs Savings A/C • Free first chequebook* (For Current Account only) • Free debit card* (annual/replacement fees apply) • Profit Payment: Semi-Annually • Profit Rate: 0.19 • Daily funds Transfer Limit: Rs.100,000/- • Daily ATM Withdrawal Limit: Rs.25,000/- • Daily POS Limit: Rs.50,000/-

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What are the Loan Limits of NUST Rice Finance?

ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).

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Is there any grace period allowed in any financing?

Grace period of 3 months allowed for AFBF-2 (Term Loan Only).

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What are the free benefits of NUST Freelancer Digital Account?

Free Issuance of First Cheque book (10 Leaves), Free First Issuance of UnionPay Debit Card, Free First Cheque Book & Debit Card Delivery, Free SMS alerts facility (Digital Transactions), Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000.

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What are the charges applicable for NUST Hunarmand Finance?

Applicable as per PMYB & ALS.

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What are the service/documentation/legal charges in Ask Fauri Business Finance?

At actual.

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Can I avail Loan Facility if there are defaults against my previous loan(s)?

No. Regular payment against previous loans is necessary.

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Can applicant avail clean loan in NUST Sahar Finance?

Max Rs: 0.70 million can be availed against personal and third party guarantee.

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What are the free facilities associated with Roshan Digital Account?

Free First Issuance of Debit Card (annual charges as per prevailing SOC). Free I-Net banking. Free E-statements.

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What is the current Mark-up rate of NUST Flour Mill Finance?

Cash Finance: 3 Months average KIBOR + 3% p.a. Running Finance: 3 Months average KIBOR + 3.5% p.a. (Reviewed/revised on quarterly basis).

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What is the Target Market?

Individuals running a freelance service business

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Other Important Information about EFU Insurance Plans

- Only Education and Marriage Plans are Limited time plan with Continuation Benefits (in case of death payment will be made upon maturity) - Single Premium Plan which can be terminated at any time, in case of death Cash Value or Sum Assured whichever is higher will be paid - Annual / Half Yearly / Quarterly - Policy Premium Payment Modes Available as per customer convenience - Aggressive Growth Plan is a high risk Plan depends on customer profile - Death Claims will be handled by EFU subject to completion of required documents and eligible if policy status is Active, Inforced/Reinstated only

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What are the service/documentation/legal charges in NUST Flour Mill Finance?

At actual.

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What is the NUST Asaan Digital Account?

NUST Asaan Digital Account is a digital banking product that provides a simple, easy-to-use platform for customers to manage their finances conveniently online.

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What is NUST Maximiser Account?

NUST Maximiser Account is a deposit account that offers higher returns with the flexibility of easy access to funds, aiming to maximize savings for the account holder.

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Can I track my remittance status online?

Yes, you can view the status of your remittance online through NUST Remittance Tracker by following link https://NUSTbank.com/services/alternate-delivery-channels/home-remittance-tracking/

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How much loan can I avail?

Up to a maximum of Rs.3 Million from all banks/DFIs in aggregate, subject to a maximum of 40% Debt Burden requirement.

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What are the insurance charges?

At actual.

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Other Important Information about Jubilee Life Insurance Plans

- Only Education and Marriage Plans are Limited Time plans with Continuation Benefits (in case of death, payment will be made upon maturity). - In case of death, Cash Value or Sum Assured, whichever is higher, will be paid. - Annual/Half Yearly/Quarterly Premium Payment Modes are available as per customer convenience. - Policy growth depends on the associated Mutual Fund units market rate growth (Multiple fund choices available from JLI). - Death claims will be handled by Jubilee Life, subject to completion of required documents, and the policy must be Active, Inforced, or Reinstated only.

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What are the free benefits of NUST Asaan Digital Remittance Account?

Some free benefits of NUST Asaan Digital Remittance Account include: Free Issuance of First Cheque book (25 Leaves), Free First Issuance of PayPak Debit Card, Free First Cheque Book & Debit Card Delivery, Free SMS alerts facility (Digital Transactions), Free E-statement & I-Net Banking, Free Inter Branch Online Cash Deposit/Withdrawal, Free Internal Fund Transfer within NUST via branch, Free Banker’s Cheque Issuance, and Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000.

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Are there any Credit and Debit limits in NUST Freelancer Digital Account?

The following Transaction limits apply: Maximum Credit Balance Limit: USD 5,000 or equivalent Monthly Debit Limit: USD 5,000 or equivalent Cash Withdrawal Limit: PKR 500,000 or equivalent per day

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What is the Target Market?

HNW Individuals (either singly or jointly), Proprietorship Concerns, Partnership Firms, Public and Private Limited Companies, Government Organizations, Corporations, Clubs, Societies, Associations, NGOs.

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What are the Loan Limits of NUST Rice Finance?

ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).

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What are the free facilities NUST is offering on NUST Sahar Current Account?

First Cheque Book, First Debit Card Issuance, 50% Discount on first year Locker Rental (subject to locker availability), Bankers Cheque Issuance, Inter Branch Online Cash Withdrawal/Deposit (Online), Internal Fund Transfer within NUST via branch (Online Transfer), SMS Alerts on all banking Transactions, I-Net and Mobile Banking, E-statement Facility and much more. Subsequent Charges/Annual Fees would be as per prevailing Schedule of Charges.

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For which purposes PMYB & ALS is being offered?

• To start new business • To expand existing business

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Can I obtain financing on my owned property by mortgaging it?

Yes, purpose of finance has to be in line with the purpose defined by regulator i.e., Financing for construction of house on owned residential plot, Balance Transfer Facility (BTF) against existing financing facility of borrower from other banks/DFIs, Renovation of owned House/ Apartment/ Flat/ Residential Unit, Extension/ Expansion/ Improvement of Residential Unit.

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How can I apply for loan?

You can apply by visiting any of our Branches or by calling us at 24 hours Contact Centre at 111-000-787. Our dedicated staff will help you to complete your loan application and other formalities.

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What are the Loan Limits of NUST Rice Finance?

ME: Upto Rs.200M (Maximum), SE: Upto Rs.25M (Maximum).

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What is the repayment frequency in PMYB & ALS?

Repayment of PMYB&ALS loans will be made in the form of 'monthly or quarterly Instalments (or as per SBP’s directives).

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What is the Application processing time?

The processing time of Personal Finance is 10 working days from login till approval (subject to complete application with required documents).

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In which currency will I receive my remittance?

All home remittance payments are disbursed in Pak Rupees.

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Is there any minimum age to avail financing in NUST Ujala Finance?

SE/ME Financing: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria). Vendors/Suppliers: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria). NUST Employees’ Financing: No age limit. Domestic Applicant Financing: Between 25-55 years at the time of application. (Any one borrower or co-borrower should meet criteria)

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Who can apply for NUST Auto Finance?

• Salaried Individuals. • Specially Abled Persons/Visually Impaired Persons/Persons with Disabilities (PWD). • Self Employed Businessman/Woman (SEB). • Individuals having any other verifiable source of income. • Self Employed Professionals (SEP).

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How many EFU Insurance Plans available?

o EFU Savings and Protection Plan – Life time Protection and Saving Plan – 18K o EFU Education and Marriage Plan – Limited Time Plan (Continuation Benefits) – 18K o EFU Retirement Plan – Saving & Protection – 18K o EFU - Single Premium Plan – Single Premium Investment Plan – 100K o EFU Aggressive Growth Plan – High Allocation Investment & Savings Plan – 250K

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What are the insurance charges?

At actual.

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Is your bank offering Profit & Loss account?

Yes, Profit & Loss Sharing Account is specially designed to meet the transactional and savings need of customers.

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What are the free facilities associated with Roshan Digital Account?

Free First Issuance of Debit Card (annual charges as per prevailing SOC). Free I-Net banking. Free E-statements.

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What are the valuation/BOQ charges?

At actual.

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Does NUST Bank offer any account for Non-Resident Pakistanis (NRPs)?

Yes, Roshan Digital Account. Specially designed for Individual Non-Resident Pakistanis (NRPs) seeking to undertake banking, payment, and investment activities in Pakistan.

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I would like to open an account with my son, do you have any product for kids?

Yes, our product is the Little Champs Account. It is designed specifically for minors (individuals below the age of 18 years). A child requires the help of a parental/legal guardian to open this account and avail its facilities. Little Champs get a Debit Card and chequebook, which is free the first time.

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Does NUST Bank have a specialized remittance Account as per SBP guideline?

Yes, NUST has a remittance account named Pak Wattan Remittance Account.

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What is the minimum and maximum financing amount?

The minimum financing amount is Rs. 500,000. The maximum financing limit will be up to Rs.100,000,000/- subject to 50% Debt Burden Ratio(DBR) as per SBP PRs for Housing Finance.

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What is the Target Market?

The target market for NUST Asaan Digital Remittance Account includes individuals - beneficiaries (families) of Pakistanis working abroad.

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What is the profit rate for FCY term deposits?

Profit Rate for USD: 0.0025, GBP: 0.0025, EUR: 0.

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Does NUST Bank offer a Digital Banking Account for Freelancers?

NUST Freelancer Digital Account is exclusively designed for Freelancers, so that they can receive their payments directly in a bank account and enjoy other lifestyle banking services as well.

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What are the processing charges for NUST Flour Mill Finance Application?

Processing fee will be charged @ 0.15% of total limit(s) processed/approved or Rs. 25,000/- whichever is higher.

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What is the current Mark-up rate of NUST Ujala Finance?

6 % per annum for all. Markup at 12M Kibor + 4% Per Annum to be charged till refinance claim reimbursed by SBP.

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Can remittance be sent from anywhere to Pakistan?

Yes, remittance can be sent from around the globe to Pakistan through our agent partners like Western Union, Mastercard, Dandelion Payments (RIA), etc. For more information please go through the following link: https://NUSTbank.com/services-home-remittance-our-partners/

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How will I get update of my Credit Card Application?

You can visit/ call or send email at our Customer Services centre(s) as well. Services centre(s) as well. Email Address: [email protected].

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What is RDA Digital Customer Onboarding?

RDA Digital Customer Onboarding is an innovative service by NUST Bank that allows customers to open and manage their accounts digitally, providing a seamless experience without the need for physical visits.

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Is your bank offering any Current Deposit account?

Current Deposit Account is specially designed for customers with regular banking transactional needs and do not need Profit.

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What is the current Mark-up rate of NUST Imarat Finance?

General Regular SME’s: End-user Rate: 12MK+4% p.a. (to be reviewed on annual basis). SME’s Backed By Armed Forces: End-user Rate: 12MK+2.5% p.a. (to be reviewed on annual basis).

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Is there any minimum age to avail financing in NUST Flour Mill Finance?

The age of the borrower (in case of sole-proprietorship) must be minimum 20 years, and not exceed 65 years at the time of application. This age limit can be relaxed in case of effective succession planning for business operations. This criteria is not applicable if the business concern is a partnership or limited company.

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What is the repayment frequency in PMYB & ALS?

Repayment of PMYB&ALS loans will be made in the form of 'monthly or quarterly Instalments (or as per SBP’s directives).

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Is there any minimum age to avail financing in PMYB & ALS and any mandatory qualification/experience required?

All Pakistanis aged between 21 and 45 are eligible to apply, however for IT/E-Commerce related businesses, the lower age limit will be 18 years (at least matriculation or equivalent education will be required).

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What is the maximum tenure of NUST Rice Finance?

Cash Finance: Max 270 Days or Clean-up corridors whichever is earlier, Running Finance: One Year.

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Loan Amount that can be availed under NUST Ujala Finance?

i. Small Enterprise – upto Rs. 15 M ii. Medium Enterprise – upto Rs. 25M iii. Domestic users – from Rs. 0.5M to Rs. 3.0M iv. NUST employees: upto Rs. 3.00M v. Vendors/Suppliers: From Rs. 5M to 25 Million – (Single Vendor)

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Please tell me about the Minimum Monthly balance required for this account?

No initial deposit requirement. Rs. 100,000/- (Monthly Average Balance).

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What are the insurance charges?

At actual.

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How many Jubilee Life Insurance Plans are available?

• Jubilee Life Savings and Protection Plan - Lifetime Protection and Saving Plan • Jubilee Life Education Plan - Limited Time Plan (Continuation Benefits) • Jubilee Life Marriage Plan - Limited Time Plan (Continuation Benefits) • Jubilee Life Retirement Plan - Saving & Protection

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Whether the bank is responsible for any type of dispute related to Warranty/Fault in vehicle/Service issues with Dealership or vehicle Manufacturer?

No. Bank does not assume this responsibility. Customer will take up the matter directly with the dealership or manufacturer.

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What are the benefits of NUST Bank Auto Finance?

• Competitive Floating & Fixed Mark Up Rate. • Partial Payment option available to reduce monthly installment. • Attractive Insurance Rate at 1.75% per annum. • Quick Processing & Minimum Documentation. • Free Tracker & Its installation. • No hidden charges. • Free Accidental Life Insurance up to Rs.1,000,000.

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What is the Eligibility Criteria for NAA?

Resident Pakistani individuals who do not maintain/have any other account (single or joint) in NUST Bank Limited are eligible to open the NAA in Pak rupees as a single/joint account.

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Can I avail more than one House loan?

Yes. One can avail two Mortgage Loans at a time from NUST Bank within Debt Burden Ratio (DBR) as per prevailing SBP PRs for Housing Finance.

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Is there any Insurance Coverage for this account?

• ATM Cash Withdrawal Insurance coverage up to daily cash withdrawal limit of the debit card from NUST Bank ATMs. • 24 hours world-wide ‘Accidental Death & Permanent Disability’ insurance coverage to Debit Card holders. Rs. 500,000/- and Rs. 700,000/- for Classic and Gold Debit Cards respectively. • 24 hours world-wide ‘Accidental Death & Permanent Disability’ insurance coverage. The sum insured per account holder shall be equivalent to four times of the average balance completed in the last six months – maximum up to Rs. 2.5 million.

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What is the profit rate for NUST Maximiser Savings Account?

Profit Payment: Monthly. Profit Rate: 0.19.

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What happens if I fail to fulfil your payment obligations?

In case of overdue / default, recovery department of NUST will contact you, your loan-related details will be reported to Credit Bureau. Late payment will be applicable as per prevailing schedule of charges. Legal proceeding may also be initiated by the Bank.

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Is NUST Bank Participating in PMYB & ALS?

NUST Bank is actively participating in PMYB&ALS. It has been specially designed to provide self-employment opportunity to the unemployed youth of the country who have skills, knowledge, experience or willingness to start their own businesses on small to medium scale or expand existing business on vast scale.

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Does the bank offer option of Term Deposits with this account?

Yes, Option to book exclusive NUST Sahar Term Deposits from NUST Sahar Current Account at attractive rates is available.

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Is there any condition related to bank account maintenance for availing NUST Imarat Finance?

Minimum 1 year bank account statement with NUST or Minimum 2 years bank statement with any other bank.

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What is the Account type of NUST Freelancer Digital Account? Is it Current or Saving?

NUST Freelancer Digital Account offers Current Account in PKR & FCY (USD, GBP, EUR, AED).

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Is there any minimum age to avail financing in PMYB & ALS and any mandatory qualification/experience required?

All Pakistanis aged between 21 and 45 are eligible to apply, however for IT/E-Commerce related businesses, the lower age limit will be 18 years (at least matriculation or equivalent education will be required).

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Is there any minimum age to avail financing in NUST Imarat Finance?

New Business: Minimum 30 years at the time of application, however age not to exceed 60 years at maturity of loan. Existing Business: Minimum 30 years at the time of application, however age not to exceed 65 years at maturity of loan.