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	What are the main features of JLI Bancassurance Policy?	- Short term Family Protection and in Long term Savings - Minimum Policy Amount = 18,000, No Maximum Limit of policy - Minimum Policy Term = 10 Years - Additional benefits also available on cost (Riders and additional term insurance) - Jubilee Life offers different plans to customers as per their needs and demands.
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 NUST Bank is offering for remittance purposes?	Yes, PakWatan Remittance Account. Through the PakWatan Remittance Account, beneficiaries can quickly and securely receive remittances from their loved one living abroad directly into their bank account without visiting the branch.
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 PakWatan Remittance Account?	PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.
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 these EFU Insurance Plans?	- 14 Days Free Look Period start from the day customer received Policy Documents. - Unit Link growth system (EFU allocate Mutual fund units to customer, policy growth depends on the unit rate growth just like share Market) - NUST bank is only acting as a Corporate Sales Agent. It’s an Insurance plan not to be considered as any Account or Term deposit which has annual Fixed Returns. - In case of early termination, only Cash Value of policy will be payable to customer (current market rate of Mutual funds units will be reimbursed) - Cancellation of policy and full refund option is available if policy documents returned during Free Look Period i.e. 14 days of receipt of documents - Cash Values of policy may differ from the tentative returns provided on illustration document (illustration document is only for information)
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 offering any account specifically for Women?	Yes! NUST Bank offers NUST Sahar Account. Female Individual Resident Pakistanis can open the account offered under NUST Sahar Banking.
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 Value Premium Business Account (VPBA)?	Value Premium Business Account (VPBA) is a high-tier business account designed for businesses looking for premium services and banking features to meet their operational needs.
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	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 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	Nature of loans allowed in PMYB & ALS?	• Long term / Development Loans • Working capital / Production Loans
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 Little Champs Account?	Profit Payment: Semi-Annually. 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 and cheque return charges may also 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	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	Can I avail more than one vehicle through Auto loan facility?	Yes. Two vehicles can be availed simultaneously from NUST Bank, subject to Debt Burden Limitations.
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 late payment charges?	Rs. 1,000/- per installment. In case of delay of installment, commercial rate will be charged on the outstanding principal amount.
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 Flour Mill Finance?	Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there a limit to international Spending?	As per SBP directives i.e. Nov 1, 2022 industry-wide annual maximum limit of USD 30,000/- per individual on card-based (debit/credit and virtual cards) cross-border transactions. It is the primary responsibility of a customer to ensure that his/her annual limit is not breached at any time. In order to avoid any inconvenience, you are requested to please restrict your international spending within the defined limit. Cross-border commercial payments through cards issued to individuals are not permissible. Note: NUST Bank has the right to reject any application as per Bank’s criteria.
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 Auto loan facility if I am not a Salaried Person/Businessman/Professional?	Yes. The individual with foreign remittance, supported by Bank statement and remittance receipts can avail Auto Loan Facility.
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 termination / Balloon payment charges?	Nil.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Are Local Credits allowed in PakWatan Remittance Account?	Local credits are also allowed in PakWatan 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 maximum tenure of Ask Fauri Business Finance?	AFBF-1: Up to 1 Year, AFBF-2: Up to 3 Years, AFBF-3: Up to 30 Months, AFBF-4: At Sight / Usance period 120 days.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	I am a foreign national, can I send money to Pakistan?	Yes, you can.
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 basic Features of NUST Asaan Account?	Some key features of NUST Asaan Account include: Bi-annual account statements, No service charges for account opening & closing, Free PayPak Debit Card issuance (subsequent charges apply), Free SMS Alerts on digital transactions, Free E-statements, Free I-Net banking/Mobile Banking, Free Inter Branch Online Cash Withdrawal/Deposit, Free Internal Fund Transfer within NUST, and a transaction limit of Rs. 1,000,000/- for total credit and debit per month.
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 minimum & maximum financing tenures?	Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.
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 Sahar Finance Application?	Up to Rs. 0.70 Million: Rs. 2000/- (Non refundable). Above Rs. 0.70 and upto Rs. 5 Million: Rs. 3000/- (Non refundable).
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 NUST Sahar Term Deposit?	Flexibility to choose from multiple tenure: 1, 3 or 5 Years. Investments start from as low as Rs. 50,000. Monthly Profit Payment in your NUST Sahar Current Account. Roll-over option available. Deals to be booked from NUST Sahar Current Account Only.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is Profit And Loss Sharing Account (PLS)?	Profit And Loss Sharing Account (PLS) is a type of Islamic banking account where the profits and losses are shared between the bank and the account holder based on the agreement made.
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 offered with Current Deposit Account?	Free SMS alerts facility on Digital Transactions; 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
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is insurance of vehicle mandatory?	Yes. Comprehensive Insurance of vehicle is mandatory for the whole tenor of loan at the cost of the borrower, through any of the insurance companies listed with NUST 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 Premature Encashment Penalty on NUST Sahar Term Deposit?	The encashment of NUST Sahar Term Deposit before maturity will be subject to premature encashment penalty as follows: Principal amount x 1.5% per annum on the remaining period of the Term Deposits. 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	Can I purchase Bancassurnce policy from my account maintained with NUST Bank?	Yes, every customer who attain the age of 18 and have account with NUST Bank can eligible to purchse Bancassurnce policy from his account.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Nature of loans allowed in PMYB & ALS?	• Long term / Development Loans • Working capital / Production Loans
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 minimum & maximum financing tenures?	Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.
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 Current Deposit Account?	Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED); Minimum Account Opening Deposit of Rs.5,000 for LCY, US $500 or equivalent for FCY; No Minimum Monthly Balance Requirement; Debit Card for PKR Account; No limits on monthly credits and debits
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 PakWatan Remittance Account?	PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.
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	What are the Loan Limits of Ask Fauri Business Finance?	Maximum Rs. 200 Mn (For all products).
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	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 would be the financing tenure?	NUST Credit Card is an Evergreen facility & renewable after expiry of credit card.
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 applicant legal structure of business in order to avail NUST Sahar Finance?	Sole Proprietor, Partnership Firm, Private Limited Company, Single Member Company (SMC), Business Individuals (Women Owned). In Partnership firm/ Private Limited Company, having 02 partners or directors, minimum 51% shareholder/ CEO should be a female who should also be the applicant. If there are more than 02 partners or directors, major shareholder should be a woman, who should also be CEO and applicant.
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. 50,000 (Rs. 35,000 for retired JCOs & Lower Cadre - Subject to pension with NUST). Maximum finance up to Rs. 3,000,000 (For non-prime customers) and up to Rs. 4,000,000 (For prime customers). The maximum financing limit will be up to 40% Debt Burden Ratio and as per SBP PR.
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	What is the PakWatan Remittance Account?	PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.
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 Sahar Finance?	Short Term Finance/Working Capital: Maximum 3 years with no grace period. Long Term Finance: Maximum 5 years (inclusive of grace period up to 6 months). Markup will be recovered during the grace period.
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	Who should I contact in case I need to lodge a complaint regarding Home Remittance?	For any query/complaint regarding Home Remittance, you may contact our dedicated Remittance Service Centre at UAN# 021-111-000-787. You may also email your queries/complaints at [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 the Loan Application processing time?	The processing time for loan approval is approximately 11 working days, subject to complete application with required documents/formalities.
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 is the opening and minimum balance requirement for VPCA?	No Opening Balance Requirements. No Minimum Monthly Average Balance Requirements. Allocation of Lockers (upon availability) on maintaining a minimum monthly average balance of 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	Is NUST Bank offering any account specifically for Women?	Yes! NUST Bank offers NUST Sahar Account. Female Individual Resident Pakistanis can open the account offered under NUST Sahar Banking.
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 late payment charges?	Rs. 3,000/- per installment.
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	Is NUST Bank offering any financing specifically for the ownership & capacity enhancement of business premises?	NUST Bank has structured a new financing product 'NUST Imarat Finance' under the SME segment. The product has been developed to stabilize SME businesses through making their ownership of business premises (under mortgage finance of urban commercial/industrial buildings) for capacity enhancement of SMEs. The product is structured for SMEs owned by the general public as well as retired armed forces officers and families of serving officers.
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 PMYB & ALS?	Tier 2: Above Rs. 0.5M and up to Rs 1.5M. Tier 3: Above Rs 1.5 M and up to Rs 7.5M.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	In how many days the loan can be approved in Ask Fauri Business Finance?	Turnaround time (TAT) for disposal of the approval is fixed to 03 days from the date of pre-approval completion of documents.
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 Inward Home Remittance products does NUST Bank offer?	NUST offers the following Home Remittance Products to cater to the needs of various home remittance beneficiaries in Pakistan: • Cash Over the Counter (CoC) payments for walk-in customers • NUST Account Transfer • Other Bank Account Transfer via Inter Bank Funds Transfer (IBFT) & Real Time Gross Settlement (RTGS)
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 Ask Fauri Finance Application?	Flat Rs. 3,000/- at the time of initiating and on each renewal.
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	Does your bank offer any account for senior citizens?	NUST Waqaar Account has been developed for senior citizens, enabling them to carry out their banking transactions and also to avail investment opportunities.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is Property insurance coverage mandatory?	Yes. Property Insurance is mandatory; Insurance premium is borne by the borrower. It covers construction cost of financed house and value of property in case of apartment.
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.
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 Personal Finance?	1. Armed Forces Officers: Serving employees, Retired employees. 2. JCOs/Equivalent & Lower Cadres: Serving employees, Retired employees. 3. Allied Armed Forces (SPD & its allied concerns) and Civilians (in GHQ/NHQ & AHQ): Serving employees (Permanent & Contractual Employees). 4. Fauji Foundation Group: Permanent employees, Contractual employees. 5. Salaried Individuals: Permanent employees, Contractual employees. 6. GOP / Semi Government / Autonomous Bodies: Permanent employees, Contractual employees, Retired employees. 7. NUST Employees (governed under HR Policy).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are NUST's Banking hours to avail home remittance services from NUST Branches?	Customers can avail home remittance services from NUST domestic branches during regular business hours: • Monday to Thursday: 09:00 am to 05:00 pm • Friday: 09:00 am to 05:30 pm • Saturday: 09:00 am to 01:30 pm (through selected branches)
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 business age requirement?	Existing Business: Minimum 3 years operating history of 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 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 the repayment frequency in NUST Ujala Finance?	SE/ME Borrowers: Monthly / Quarterly. Domestic Borrower: Monthly. NUST employees: Monthly. Vendors/Suppliers: Quarterly/Half Yearly (as per borrower’s cash flow).
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 available?	ATM Cash Withdrawal Insurance. Speedy processing of SBP Kamyab Jawan loans.
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 Mortgage Finance is 30 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	What are free features available with NUST Savings Profit & Loss Sharing (PLS) Account?	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	For which purposes NUST Rice Finance is being offered?	Cash Finance (CF) To meet working capital requirements of Rice Husking Mills for procurement of paddy as per milling capacity. Running Finance (RF) To meet working capital requirements of Rice Husking Mills i.e. transportation, salary & wages, utility and other administrative expenses etc. (Procurement of Paddy through RF funds is restricted).
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	What is the maximum tenure of NUST Imarat Finance?	AIF 1: Maximum 10 years (Grace Period up to 6 months). AIF 2: Maximum 10 years (Grace Period up to 9 months). AIF 3: Maximum 8 years (Grace Period up to 6 months). AIF 4: Maximum 3 years (Grace Period up to 3 months). (Markup to be recovered during the grace period).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can I make balloon payments or premature termination is allowed?	Yes, Balloon payment or premature termination option is available for all customers. Charges will be applied as per prevailing Bank’s 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	What are the minimum & maximum financing tenures?	Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.
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 mode?	Payment of Equal Monthly Instalment (EMI) comprising of principal, mark-up and insurance payment will be made through Direct Debit Authority (DDA) of borrower’s account maintained with NUST.
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 monthly income criterion?	GOP / Semi Govt. / Autonomous Bodies etc: Permanent, Rs. 35,000/- Contractual, Rs. 45,000/-; Approved Company: Permanent, Rs. 40,000/- Contractual, Rs. 60,000/-; Non-Approved(Salary account with NUST): Rs. 70,000/- Contractual, Rs. 80,000/-.
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 NUST Asaan Digital Remittance Account?	NUST Asaan Digital Remittance Account is a specialized account designed to facilitate the digital reception and transfer of remittances, offering seamless transactions and easy access.
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?	Age of borrower (in case of sole-proprietorship) must be minimum 20 years, however age not to exceed 65 years at the time of application. This age can be relaxed in case of effective succession planning for business operations. This criteria is not applicable, if 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	Is there any quota for womens?	25% of the loans will go to women borrowers.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Any Account turnover requirement for NUST Flour Mill Finance?	Minimum 50% of applicant’s sales to be documented through account turnover with bank(s).
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 security requirement for availing PMYB & ALS?	Tier 2: i. Clean; personal guarantee of the borrower. ii. 02 Post Dated cheques for installment amount. iii. 01 Post Dated cheque for full loan amount plus mark up as per amortization schedule. Tier 3: i. Mortgage of residential/commercial/industrial property owned by borrower or third party. ii. HPA on vehicle in the name of borrower or immediate family member. iii. Liquid security (lien on deposit, Saving certificates, TDRs etc.).
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	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	What is the minimum deposit requirement to open NUST Waqaar Savings Account & NUST Waqaar Term Deposit?	• Minimum deposit for opening NUST Waqaar – Savings account is Rs.1,000. • Minimum deposit for opening NUST Waqaar – Term Deposit account is Rs.25,000. Note: Customer must be an account holder of NUST for placement of funds in NUST Waqaar-Term Deposit.
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 offering any seasonal financing for rice mills?	NUST Rice Finance caters to meet seasonal financing needs of paddy procurement and other overhead expenses to rice mills, based on past performance and milling capacity to fulfill their seasonal financial needs. The scope of the product is to target ‘Rice Mills’ which fall under the category of SME.
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 Sahar Accounts?	NUST Sahar Accounts are specially designed accounts to provide benefits and services for customers looking for flexible banking solutions in the form of savings and current accounts.
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 Flour Mill Finance?	Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.
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 Auto loan facility if I am not a Salaried Person/Businessman/Professional?	Yes. The individual with foreign remittance, supported by Bank statement and remittance receipts can avail Auto Loan Facility.
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 Flour Mill Finance?	Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.
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 are the processing charges for NUST Mortgage Finance?	Processing Charges will be as per prevailing Bank’s Schedule of Charges (SOC).
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	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	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 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 should be the legal structure of business for availing NUST Imarat Finance?	Sole Proprietor, Partnership Firm (registered), Private Limited Company, 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 are the service/documentation/legal charges in NUST Imarat 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 are the main features of Current Deposit Account?	Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED); Minimum Account Opening Deposit of Rs.5,000 for LCY, US $500 or equivalent for FCY; No Minimum Monthly Balance Requirement; Debit Card for PKR Account; No limits on monthly credits and debits
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.

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What are the main features of JLI Bancassurance Policy?

- Short term Family Protection and in Long term Savings - Minimum Policy Amount = 18,000, No Maximum Limit of policy - Minimum Policy Term = 10 Years - Additional benefits also available on cost (Riders and additional term insurance) - Jubilee Life offers different plans to customers as per their needs and demands.

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Is there any account NUST Bank is offering for remittance purposes?

Yes, PakWatan Remittance Account. Through the PakWatan Remittance Account, beneficiaries can quickly and securely receive remittances from their loved one living abroad directly into their bank account without visiting the branch.

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What is the PakWatan Remittance Account?

PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.

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What are the main features of these EFU Insurance Plans?

- 14 Days Free Look Period start from the day customer received Policy Documents. - Unit Link growth system (EFU allocate Mutual fund units to customer, policy growth depends on the unit rate growth just like share Market) - NUST bank is only acting as a Corporate Sales Agent. It’s an Insurance plan not to be considered as any Account or Term deposit which has annual Fixed Returns. - In case of early termination, only Cash Value of policy will be payable to customer (current market rate of Mutual funds units will be reimbursed) - Cancellation of policy and full refund option is available if policy documents returned during Free Look Period i.e. 14 days of receipt of documents - Cash Values of policy may differ from the tentative returns provided on illustration document (illustration document is only for information)

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Is NUST Bank offering any account specifically for Women?

Yes! NUST Bank offers NUST Sahar Account. Female Individual Resident Pakistanis can open the account offered under NUST Sahar Banking.

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What is the Value Premium Business Account (VPBA)?

Value Premium Business Account (VPBA) is a high-tier business account designed for businesses looking for premium services and banking features to meet their operational needs.

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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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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 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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Nature of loans allowed in PMYB & ALS?

• Long term / Development Loans • Working capital / Production Loans

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What is the profit rate for Little Champs Account?

Profit Payment: Semi-Annually. 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 and cheque return charges may also be applicable as per prevailing schedule of charges. Legal proceeding may also be initiated by the Bank.

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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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Can I avail more than one vehicle through Auto loan facility?

Yes. Two vehicles can be availed simultaneously from NUST Bank, subject to Debt Burden Limitations.

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Are there any late payment charges?

Rs. 1,000/- per installment. In case of delay of installment, commercial rate will be charged on the outstanding principal amount.

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What are the Loan Limits of NUST Flour Mill Finance?

Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.

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Is there a limit to international Spending?

As per SBP directives i.e. Nov 1, 2022 industry-wide annual maximum limit of USD 30,000/- per individual on card-based (debit/credit and virtual cards) cross-border transactions. It is the primary responsibility of a customer to ensure that his/her annual limit is not breached at any time. In order to avoid any inconvenience, you are requested to please restrict your international spending within the defined limit. Cross-border commercial payments through cards issued to individuals are not permissible. Note: NUST Bank has the right to reject any application as per Bank’s criteria.

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Can I avail Auto loan facility if I am not a Salaried Person/Businessman/Professional?

Yes. The individual with foreign remittance, supported by Bank statement and remittance receipts can avail Auto Loan Facility.

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Is there any premature termination / Balloon payment charges?

Nil.

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Are Local Credits allowed in PakWatan Remittance Account?

Local credits are also allowed in PakWatan Remittance Account.

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What is the maximum tenure of Ask Fauri Business Finance?

AFBF-1: Up to 1 Year, AFBF-2: Up to 3 Years, AFBF-3: Up to 30 Months, AFBF-4: At Sight / Usance period 120 days.

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I am a foreign national, can I send money to Pakistan?

Yes, you can.

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What are the basic Features of NUST Asaan Account?

Some key features of NUST Asaan Account include: Bi-annual account statements, No service charges for account opening & closing, Free PayPak Debit Card issuance (subsequent charges apply), Free SMS Alerts on digital transactions, Free E-statements, Free I-Net banking/Mobile Banking, Free Inter Branch Online Cash Withdrawal/Deposit, Free Internal Fund Transfer within NUST, and a transaction limit of Rs. 1,000,000/- for total credit and debit per month.

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What are the minimum & maximum financing tenures?

Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.

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What are the processing charges for NUST Sahar Finance Application?

Up to Rs. 0.70 Million: Rs. 2000/- (Non refundable). Above Rs. 0.70 and upto Rs. 5 Million: Rs. 3000/- (Non refundable).

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What are the main features of NUST Sahar Term Deposit?

Flexibility to choose from multiple tenure: 1, 3 or 5 Years. Investments start from as low as Rs. 50,000. Monthly Profit Payment in your NUST Sahar Current Account. Roll-over option available. Deals to be booked from NUST Sahar Current Account Only.

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What is Profit And Loss Sharing Account (PLS)?

Profit And Loss Sharing Account (PLS) is a type of Islamic banking account where the profits and losses are shared between the bank and the account holder based on the agreement made.

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What are the free services offered with Current Deposit Account?

Free SMS alerts facility on Digital Transactions; 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

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Is insurance of vehicle mandatory?

Yes. Comprehensive Insurance of vehicle is mandatory for the whole tenor of loan at the cost of the borrower, through any of the insurance companies listed with NUST Bank.

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What is the Premature Encashment Penalty on NUST Sahar Term Deposit?

The encashment of NUST Sahar Term Deposit before maturity will be subject to premature encashment penalty as follows: Principal amount x 1.5% per annum on the remaining period of the Term Deposits. 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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Can I purchase Bancassurnce policy from my account maintained with NUST Bank?

Yes, every customer who attain the age of 18 and have account with NUST Bank can eligible to purchse Bancassurnce policy from his account.

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Nature of loans allowed in PMYB & ALS?

• Long term / Development Loans • Working capital / Production Loans

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What are the minimum & maximum financing tenures?

Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.

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What are the main features of Current Deposit Account?

Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED); Minimum Account Opening Deposit of Rs.5,000 for LCY, US $500 or equivalent for FCY; No Minimum Monthly Balance Requirement; Debit Card for PKR Account; No limits on monthly credits and debits

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What is the PakWatan Remittance Account?

PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.

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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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What are the Loan Limits of Ask Fauri Business Finance?

Maximum Rs. 200 Mn (For all products).

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

At actual.

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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 would be the financing tenure?

NUST Credit Card is an Evergreen facility & renewable after expiry of credit card.

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What is the applicant legal structure of business in order to avail NUST Sahar Finance?

Sole Proprietor, Partnership Firm, Private Limited Company, Single Member Company (SMC), Business Individuals (Women Owned). In Partnership firm/ Private Limited Company, having 02 partners or directors, minimum 51% shareholder/ CEO should be a female who should also be the applicant. If there are more than 02 partners or directors, major shareholder should be a woman, who should also be CEO and applicant.

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What is the minimum and maximum financing amount?

The minimum financing amount is Rs. 50,000 (Rs. 35,000 for retired JCOs & Lower Cadre - Subject to pension with NUST). Maximum finance up to Rs. 3,000,000 (For non-prime customers) and up to Rs. 4,000,000 (For prime customers). The maximum financing limit will be up to 40% Debt Burden Ratio and as per SBP PR.

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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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What is the PakWatan Remittance Account?

PakWatan Remittance Account is a specialized account designed to facilitate the receipt of home remittances sent to Pakistan, providing easy and fast access to funds for remittance recipients.

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What is the maximum tenure of NUST Sahar Finance?

Short Term Finance/Working Capital: Maximum 3 years with no grace period. Long Term Finance: Maximum 5 years (inclusive of grace period up to 6 months). Markup will be recovered during the grace period.

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What are the insurance charges?

At actual.

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Who should I contact in case I need to lodge a complaint regarding Home Remittance?

For any query/complaint regarding Home Remittance, you may contact our dedicated Remittance Service Centre at UAN# 021-111-000-787. You may also email your queries/complaints at [email protected]

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What is the Loan Application processing time?

The processing time for loan approval is approximately 11 working days, subject to complete application with required documents/formalities.

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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 is the opening and minimum balance requirement for VPCA?

No Opening Balance Requirements. No Minimum Monthly Average Balance Requirements. Allocation of Lockers (upon availability) on maintaining a minimum monthly average balance of Rs. 50,000.

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Is NUST Bank offering any account specifically for Women?

Yes! NUST Bank offers NUST Sahar Account. Female Individual Resident Pakistanis can open the account offered under NUST Sahar Banking.

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Are there any late payment charges?

Rs. 3,000/- per installment.

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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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Is NUST Bank offering any financing specifically for the ownership & capacity enhancement of business premises?

NUST Bank has structured a new financing product 'NUST Imarat Finance' under the SME segment. The product has been developed to stabilize SME businesses through making their ownership of business premises (under mortgage finance of urban commercial/industrial buildings) for capacity enhancement of SMEs. The product is structured for SMEs owned by the general public as well as retired armed forces officers and families of serving officers.

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What are the Loan Limits of PMYB & ALS?

Tier 2: Above Rs. 0.5M and up to Rs 1.5M. Tier 3: Above Rs 1.5 M and up to Rs 7.5M.

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In how many days the loan can be approved in Ask Fauri Business Finance?

Turnaround time (TAT) for disposal of the approval is fixed to 03 days from the date of pre-approval completion of documents.

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What types of Inward Home Remittance products does NUST Bank offer?

NUST offers the following Home Remittance Products to cater to the needs of various home remittance beneficiaries in Pakistan: • Cash Over the Counter (CoC) payments for walk-in customers • NUST Account Transfer • Other Bank Account Transfer via Inter Bank Funds Transfer (IBFT) & Real Time Gross Settlement (RTGS)

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What are the processing charges for Ask Fauri Finance Application?

Flat Rs. 3,000/- at the time of initiating and on each renewal.

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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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Does your bank offer any account for senior citizens?

NUST Waqaar Account has been developed for senior citizens, enabling them to carry out their banking transactions and also to avail investment opportunities.

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Is Property insurance coverage mandatory?

Yes. Property Insurance is mandatory; Insurance premium is borne by the borrower. It covers construction cost of financed house and value of property in case of apartment.

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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.

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Who can apply for NUST Personal Finance?

1. Armed Forces Officers: Serving employees, Retired employees. 2. JCOs/Equivalent & Lower Cadres: Serving employees, Retired employees. 3. Allied Armed Forces (SPD & its allied concerns) and Civilians (in GHQ/NHQ & AHQ): Serving employees (Permanent & Contractual Employees). 4. Fauji Foundation Group: Permanent employees, Contractual employees. 5. Salaried Individuals: Permanent employees, Contractual employees. 6. GOP / Semi Government / Autonomous Bodies: Permanent employees, Contractual employees, Retired employees. 7. NUST Employees (governed under HR Policy).

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What are NUST's Banking hours to avail home remittance services from NUST Branches?

Customers can avail home remittance services from NUST domestic branches during regular business hours: • Monday to Thursday: 09:00 am to 05:00 pm • Friday: 09:00 am to 05:30 pm • Saturday: 09:00 am to 01:30 pm (through selected branches)

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Is there any business age requirement?

Existing Business: Minimum 3 years operating history of business.

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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 the repayment frequency in NUST Ujala Finance?

SE/ME Borrowers: Monthly / Quarterly. Domestic Borrower: Monthly. NUST employees: Monthly. Vendors/Suppliers: Quarterly/Half Yearly (as per borrower’s cash flow).

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Is there any insurance coverage available?

ATM Cash Withdrawal Insurance. Speedy processing of SBP Kamyab Jawan loans.

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What is the Application processing time?

The processing time of Mortgage Finance is 30 days from login till approval subject to complete application with required documents.

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What are free features available with NUST Savings Profit & Loss Sharing (PLS) Account?

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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For which purposes NUST Rice Finance is being offered?

Cash Finance (CF) To meet working capital requirements of Rice Husking Mills for procurement of paddy as per milling capacity. Running Finance (RF) To meet working capital requirements of Rice Husking Mills i.e. transportation, salary & wages, utility and other administrative expenses etc. (Procurement of Paddy through RF funds is restricted).

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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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What is the maximum tenure of NUST Imarat Finance?

AIF 1: Maximum 10 years (Grace Period up to 6 months). AIF 2: Maximum 10 years (Grace Period up to 9 months). AIF 3: Maximum 8 years (Grace Period up to 6 months). AIF 4: Maximum 3 years (Grace Period up to 3 months). (Markup to be recovered during the grace period).

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Can I make balloon payments or premature termination is allowed?

Yes, Balloon payment or premature termination option is available for all customers. Charges will be applied as per prevailing Bank’s schedule of charges.

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What are the minimum & maximum financing tenures?

Minimum 01 year. Maximum 04 years (up to 7 years for Education Loan) or as per prevailing SBP PRs.

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What is the repayment mode?

Payment of Equal Monthly Instalment (EMI) comprising of principal, mark-up and insurance payment will be made through Direct Debit Authority (DDA) of borrower’s account maintained with NUST.

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What is the minimum monthly income criterion?

GOP / Semi Govt. / Autonomous Bodies etc: Permanent, Rs. 35,000/- Contractual, Rs. 45,000/-; Approved Company: Permanent, Rs. 40,000/- Contractual, Rs. 60,000/-; Non-Approved(Salary account with NUST): Rs. 70,000/- Contractual, Rs. 80,000/-.

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What is the NUST Asaan Digital Remittance Account?

NUST Asaan Digital Remittance Account is a specialized account designed to facilitate the digital reception and transfer of remittances, offering seamless transactions and easy access.

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

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

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Is there any quota for womens?

25% of the loans will go to women borrowers.

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Any Account turnover requirement for NUST Flour Mill Finance?

Minimum 50% of applicant’s sales to be documented through account turnover with bank(s).

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What is the security requirement for availing PMYB & ALS?

Tier 2: i. Clean; personal guarantee of the borrower. ii. 02 Post Dated cheques for installment amount. iii. 01 Post Dated cheque for full loan amount plus mark up as per amortization schedule. Tier 3: i. Mortgage of residential/commercial/industrial property owned by borrower or third party. ii. HPA on vehicle in the name of borrower or immediate family member. iii. Liquid security (lien on deposit, Saving certificates, TDRs etc.).

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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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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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What is the minimum deposit requirement to open NUST Waqaar Savings Account & NUST Waqaar Term Deposit?

• Minimum deposit for opening NUST Waqaar – Savings account is Rs.1,000. • Minimum deposit for opening NUST Waqaar – Term Deposit account is Rs.25,000. Note: Customer must be an account holder of NUST for placement of funds in NUST Waqaar-Term Deposit.

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Is NUST Bank offering any seasonal financing for rice mills?

NUST Rice Finance caters to meet seasonal financing needs of paddy procurement and other overhead expenses to rice mills, based on past performance and milling capacity to fulfill their seasonal financial needs. The scope of the product is to target ‘Rice Mills’ which fall under the category of SME.

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What is the NUST Sahar Accounts?

NUST Sahar Accounts are specially designed accounts to provide benefits and services for customers looking for flexible banking solutions in the form of savings and current accounts.

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What are the Loan Limits of NUST Flour Mill Finance?

Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.

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Can I avail Auto loan facility if I am not a Salaried Person/Businessman/Professional?

Yes. The individual with foreign remittance, supported by Bank statement and remittance receipts can avail Auto Loan Facility.

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What are the Loan Limits of NUST Flour Mill Finance?

Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE.

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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 are the processing charges for NUST Mortgage Finance?

Processing Charges will be as per prevailing Bank’s Schedule of Charges (SOC).

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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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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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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 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 should be the legal structure of business for availing NUST Imarat Finance?

Sole Proprietor, Partnership Firm (registered), Private Limited Company, Limited Company.

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

At actual.

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What are the main features of Current Deposit Account?

Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED); Minimum Account Opening Deposit of Rs.5,000 for LCY, US $500 or equivalent for FCY; No Minimum Monthly Balance Requirement; Debit Card for PKR Account; No limits on monthly credits and debits

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

At actual.