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	Is there any limit on the amount received though NUST Home Remittance?	Below are the applicable limits: • NUST Accounts - No Limit • Other banks accounts - No Limit • Cash Over the Counter (CoC) Transactions - Up to PKR 1,000,000/- per transaction and there is no limit of Western Union COC transactions
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	Bancassurance is offered by following three Insurance Provider companies:	• NUST Life Assurance Company Ltd • EFU Life Assurance Company Ltd • Jubilee Life Insurance Company Ltd.
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	Does the bank require any Equity for this scheme?	Tier 2: 10% (New Business). Tier 3: 20% (New Business). Existing Business: Nil.
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	Are there any other benefits to opening a PakWatan Remittance Account?	• WHT exemption on cash withdrawal on home remittances received from abroad. • Customer may also be eligible for Personal Finance, Credit Cards, and Auto Finance after six months of maintaining PakWatan Remittance Account, subject to eligibility criteria of 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 main features of NUST Profit & Loss Sharing (PLS) Account?	Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED). Account opening deposit of Rs.100 for LCY, US $500 or equivalent for FCY. Debit Card Issuance against LCY account. Profit Calculation: Monthly Average Balance. Profit Payment Frequency: Semi-Annually. Profit Rate: 0.19 for LCY, 0.1925 for PLS Pensioners 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 profit rate for NUST Special Deposit Account (ASDA)?	Profit Payment: Monthly/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 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	Can I receive remittance in Pakistan if I do not have a bank account with any bank?	You can receive your home remittance from any of NUST 600+ domestic branches nationwide if you have a valid CNIC and Transaction Unique Reference No. / Pin code.
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 there any minimum balance requirement for Roshan Digital Account?	No initial deposit requirement. 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 initial deposit requirement of NUST Sahar Asaan Current Account?	Rs. 100 only.
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 NUST Life Insurance Plans	• Munafa Mehfooz Plan is a limited-time plan of 5 Years with the first year High Allocation and upfront loyalty bonus of 20% on the first year. • In case of early termination of Munafa Mehfooz Plan, the upfront loyalty bonus amount value will be subtracted from the cash value of the policy. • In case of death, Cash Value or Sum Assured (whichever is higher) will be paid to nominee/s. • Annual / Half Yearly / Quarterly Policy Premium Payment Modes are available as per customer convenience. • Policy Growth depends on Associated Mutual Fund growth. • Death Claims will be handled by NUST Life, subject to completion of required documents and eligibility if policy status is Active Inforce/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 is the maximum tenure for NUST Ujala Finance?	i. SE/ME borrowers: 05 years, inclusive of grace period of 03 months. ii. Domestic: 05 years inclusive of grace period of 03 months. iii. NUST employees: 10 years or as per remaining service period (whichever is lesser), inclusive of grace period of 03 months. iv. Vendors/Suppliers: 05 years inclusive of grace period of 06 months.
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	What is the minimum age for applying NUST Mastercard Credit Card?	Minimum 21 years old & Pakistani resident, can apply for NUST MasterCard 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 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	What is the profit rate for Short Notice Deposit Receipt (SNDR)?	Tenor: 7 Days. Payout: Maturity. Profit Rate: 0.165.
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 account?	Non-Interest based Account; Frequent Transaction and Funds Accessibility
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 Life Bancassurance Policy?	NUST Life Bancassurance Policy is an insurance product offered through NUST Bank, providing life insurance coverage to individuals in partnership with insurance providers.
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	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 is the markup repayment frequency in Ask Fauri Business Finance?	AFBF-1: Monthly / Quarterly, AFBF-2: Monthly / Quarterly, AFBF-3: Upfront, AFBF-4: Upfront.
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 age criteria to avail NUST Sahar Finance?	New Business: Between 20-50 years at the time of application. Existing Business: Between 20-55 years at the time of application.
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?	No.
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?	Clean facility, Minimum Rs. 30,000/- and maximum up to 3.0 Million or as per 40% Debt Burden Ratio subject to 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 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 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 processing charges for NUST Imarat Finance Application?	Rs. 30,000/- or 0.2% of loan amount, whichever is higher (Non-refundable).
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 late payment charges?	In case of delay of installment, commercial rate will be charged on overdue days.
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 against liquid security?	NUST Fauri Business Finance has been introduced to provide a swift package to meet financial business needs of new to bank obligors. It is offered to meet short, medium, and long-term requirements of businesses and is available to SMEs & Commercial for all eligible sectors as per NUST credit policy manual.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	For all Jubilee Life Banca Products, are brochures available?	Yes, brochures are available for all Jubilee Life Banca Products.
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	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	What are the main Features of NUST Maximiser Term Deposit?	- Tenure: 1, 2, 3 & 5 Years. - Minimum investment: Rs. 100,000. - Roll-over option available. - Attractive profit payments on monthly 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 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 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	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	Who is eligible for this account?	Eligibility for NUST Asaan Digital Account includes: Skilled/Unskilled Workforce, Less Educated/Uneducated People, Farmers, Laborers/Daily Wagers, Women/Housewives, Self-Employed Individuals, and Young Adults.
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 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 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 NUST Imarat Finance Application?	Rs. 30,000/- or 0.2% of loan amount, whichever is higher (Non-refundable).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	In which area of the country one can avail Credit Card facility?	Credit Card can be availed from all cities / Areas without discrimination.
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	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	What is the minimum age for applying NUST Mastercard Credit Card?	Minimum 21 years old & Pakistani resident, can apply for NUST MasterCard Credit Card.
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 is the target market for Value Plus Business Account?	Sole Proprietors, General Partnership, Small Enterprises.
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 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	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 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	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	Can we open this account online?	Yes, Digital account opening facility is available with account opening within 48 hours.
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 Plus Current Account (Individual) (VPCA)?	Value Plus Current Account (VPCA) is an individual current account product that offers value-added features, making it suitable for personal banking with additional benefits 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	What are the service/documentation/legal charges in PMYB & ALS?	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 NUST Bank offering any financing against liquid security?	NUST Fauri Business Finance has been introduced to provide a swift package to meet financial business needs of new to bank obligors. It is offered to meet short, medium, and long-term requirements of businesses and is available to SMEs & Commercial for all eligible sectors as per NUST credit policy manual.
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	Is there any limit on the amount received though NUST Home Remittance?	Below are the applicable limits: • NUST Accounts - No Limit • Other banks accounts - No Limit • Cash Over the Counter (CoC) Transactions - Up to PKR 1,000,000/- per transaction and there is no limit of Western Union COC transactions
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 account?	Non-Interest based Account; Frequent Transaction and Funds Accessibility
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 in NUST Hunarmand Finance?	Long Term Loan: Maximum 8 Years (Maximum 1 Year Grace Period). Working Capital Loan: Maximum 5 Years (Maximum 2 Year Grace Period). 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 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	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 is NUST4Car – NUST Bank’s Auto Finance Facility?	NUST4Car is an auto finance facility offered by NUST Bank that helps individuals finance the purchase of a car through easy repayment plans and competitive interest rates.
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 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	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 Flour Mill Finance?	Maximum 1 year as per clean-up corridors.
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 on NAA Savings account?	Current profit rate is 20.50% which is paid Semi Annually.
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	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 NUST Rice 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 NUST Maximiser Savings Account?	- Attractive profit payment on monthly, quarterly, semi-annual & annual basis. - Minimum monthly average balance requirement Rs. 100,000. - Chip-based Debit Card & Cheque Book issuance as per prevailing SOC.
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	Other Important Information about NUST Life Insurance Plans	• Munafa Mehfooz Plan is a limited-time plan of 5 Years with the first year High Allocation and upfront loyalty bonus of 20% on the first year. • In case of early termination of Munafa Mehfooz Plan, the upfront loyalty bonus amount value will be subtracted from the cash value of the policy. • In case of death, Cash Value or Sum Assured (whichever is higher) will be paid to nominee/s. • Annual / Half Yearly / Quarterly Policy Premium Payment Modes are available as per customer convenience. • Policy Growth depends on Associated Mutual Fund growth. • Death Claims will be handled by NUST Life, subject to completion of required documents and eligibility if policy status is Active Inforce/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 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	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 is the minimum balance requirement of NUST Special Deposit Account?	No Minimum Monthly Average Balance Requirement. No Minimum Opening 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 are the service/documentation/legal charges in PMYB & ALS?	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 NUST Maximiser Savings Account?	- Attractive profit payment on monthly, quarterly, semi-annual & annual basis. - Minimum monthly average balance requirement Rs. 100,000. - Chip-based Debit Card & Cheque Book issuance as per prevailing SOC.
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 a simple Digital Banking Account?	Yes, NUST Asaan Digital Account is being offered.
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 markup repayment frequency in Ask Fauri Business Finance?	AFBF-1: Monthly / Quarterly, AFBF-2: Monthly / Quarterly, AFBF-3: Upfront, AFBF-4: Upfront.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Capacity allowed under NUST Ujala Finance?	i. Business Enterprise: SE from 10 KW to 200KW, ME from 30 KW to 500KW. ii. Domestic Borrowers from 5 KW to 30KW. iii. NUST employees: upto 30 KW. iv. Vendors/Suppliers: from 30 KW to 500KW.
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	What is the profit rate for PakWatan Remittance 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	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	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	This product is available in two variants:	· NUST Maximiser Savings Account · NUST Maximiser Term Deposit
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What documents are required to open a Little Champs Account?	• A photocopy of Form-B, Birth Certificate, or Student ID card (as appropriate) of the minor • A photocopy of any one of the following valid identity documents of the guardian of the minor: 1. Computerized National Identity Card (CNIC) issued by NADRA 2. National Identity Card for Overseas Pakistani (NICOP) issued by NADRA 3. Pakistan Origin Card (POC) issued by NADRA 4. Alien Registration Card (ARC) issued by National Aliens Registration Authority (NARA), Ministry of Interior (local currency account only) 5. Passport, with a valid visa, or any other proof of legal stay along with passport (foreign national individuals only) 6. Source of income of guardian.
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 against the loan?	The financed vehicle will be the security against the loan, which will be hypothecated in favor of 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 are the main features of NUST Life Bancassurance Policy?	• Short term Family Protection and Long term Savings. • Minimum Policy Amount = 18,000, No Maximum Limit of policy for Munafa Fahfooz Plan, Min Premium = 50,000. • NUST Life Munafa Mehfooz Plan Minimum & Maximum Term = 5 Years. • NUST Life Value Plan Minimum Policy Term = 10 Years. • Additional benefits also available on cost (Riders and additional term insurance). • NUST Life offers different plans to customers as per 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	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	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 Value Plus Current Account (Individual) (VPCA)?	Value Plus Current Account (VPCA) is an individual current account product that offers value-added features, making it suitable for personal banking with additional benefits 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	Who can apply for NUST Credit Card Facility?	Salaried Individuals, Self Employed Businessman/Woman (SEB), Self Employed Professionals (SEP), Specially Abled Persons/Visually Impaired Person/Persons with Disabilities (PWD), Women. Individuals having verifiable source of income can apply for NUST Mastercard Credit Card.
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 profit rate for NUST Asaan Account?	Profit Payment: Semi-Annually. Profit Rate: 0.19.

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Is there any limit on the amount received though NUST Home Remittance?

Below are the applicable limits: • NUST Accounts - No Limit • Other banks accounts - No Limit • Cash Over the Counter (CoC) Transactions - Up to PKR 1,000,000/- per transaction and there is no limit of Western Union COC transactions

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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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Bancassurance is offered by following three Insurance Provider companies:

• NUST Life Assurance Company Ltd • EFU Life Assurance Company Ltd • Jubilee Life Insurance Company Ltd.

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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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Does the bank require any Equity for this scheme?

Tier 2: 10% (New Business). Tier 3: 20% (New Business). Existing Business: Nil.

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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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Are there any other benefits to opening a PakWatan Remittance Account?

• WHT exemption on cash withdrawal on home remittances received from abroad. • Customer may also be eligible for Personal Finance, Credit Cards, and Auto Finance after six months of maintaining PakWatan Remittance Account, subject to eligibility criteria of the bank.

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What are the main features of NUST Profit & Loss Sharing (PLS) Account?

Offered in LCY (PKR) & FCY (USD, GBP, EUR, JPY & AED). Account opening deposit of Rs.100 for LCY, US $500 or equivalent for FCY. Debit Card Issuance against LCY account. Profit Calculation: Monthly Average Balance. Profit Payment Frequency: Semi-Annually. Profit Rate: 0.19 for LCY, 0.1925 for PLS Pensioners Account.

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What is the profit rate for NUST Special Deposit Account (ASDA)?

Profit Payment: Monthly/Semi-Annually. Profit Rate: 0.19.

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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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Can I receive remittance in Pakistan if I do not have a bank account with any bank?

You can receive your home remittance from any of NUST 600+ domestic branches nationwide if you have a valid CNIC and Transaction Unique Reference No. / Pin code.

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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 there any minimum balance requirement for Roshan Digital Account?

No initial deposit requirement. No minimum balance requirement.

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What is the initial deposit requirement of NUST Sahar Asaan Current Account?

Rs. 100 only.

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Other Important Information about NUST Life Insurance Plans

• Munafa Mehfooz Plan is a limited-time plan of 5 Years with the first year High Allocation and upfront loyalty bonus of 20% on the first year. • In case of early termination of Munafa Mehfooz Plan, the upfront loyalty bonus amount value will be subtracted from the cash value of the policy. • In case of death, Cash Value or Sum Assured (whichever is higher) will be paid to nominee/s. • Annual / Half Yearly / Quarterly Policy Premium Payment Modes are available as per customer convenience. • Policy Growth depends on Associated Mutual Fund growth. • Death Claims will be handled by NUST Life, subject to completion of required documents and eligibility if policy status is Active Inforce/Reinstated only.

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What is the maximum tenure for NUST Ujala Finance?

i. SE/ME borrowers: 05 years, inclusive of grace period of 03 months. ii. Domestic: 05 years inclusive of grace period of 03 months. iii. NUST employees: 10 years or as per remaining service period (whichever is lesser), inclusive of grace period of 03 months. iv. Vendors/Suppliers: 05 years inclusive of grace period of 06 months.

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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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What is the minimum age for applying NUST Mastercard Credit Card?

Minimum 21 years old & Pakistani resident, can apply for NUST MasterCard Credit Card.

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

At actual.

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What is the profit rate for Short Notice Deposit Receipt (SNDR)?

Tenor: 7 Days. Payout: Maturity. Profit Rate: 0.165.

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What are the main features of the account?

Non-Interest based Account; Frequent Transaction and Funds Accessibility

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What is NUST Life Bancassurance Policy?

NUST Life Bancassurance Policy is an insurance product offered through NUST Bank, providing life insurance coverage to individuals in partnership with insurance providers.

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

At actual.

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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 is the markup repayment frequency in Ask Fauri Business Finance?

AFBF-1: Monthly / Quarterly, AFBF-2: Monthly / Quarterly, AFBF-3: Upfront, AFBF-4: Upfront.

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Is there any age criteria to avail NUST Sahar Finance?

New Business: Between 20-50 years at the time of application. Existing Business: Between 20-55 years at the time of application.

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Is there any business age requirement?

No.

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What is the minimum and maximum financing amount?

Clean facility, Minimum Rs. 30,000/- and maximum up to 3.0 Million or as per 40% Debt Burden Ratio subject to SBP PRs.

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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 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 processing charges for NUST Imarat Finance Application?

Rs. 30,000/- or 0.2% of loan amount, whichever is higher (Non-refundable).

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Is there any late payment charges?

In case of delay of installment, commercial rate will be charged on overdue days.

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Is NUST Bank offering any financing against liquid security?

NUST Fauri Business Finance has been introduced to provide a swift package to meet financial business needs of new to bank obligors. It is offered to meet short, medium, and long-term requirements of businesses and is available to SMEs & Commercial for all eligible sectors as per NUST credit policy manual.

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For all Jubilee Life Banca Products, are brochures available?

Yes, brochures are available for all Jubilee Life Banca Products.

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Is there any quota for womens?

25% of the loans will go to women borrowers.

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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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What are the main Features of NUST Maximiser Term Deposit?

- Tenure: 1, 2, 3 & 5 Years. - Minimum investment: Rs. 100,000. - Roll-over option available. - Attractive profit payments on monthly basis.

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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 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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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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Who is eligible for this account?

Eligibility for NUST Asaan Digital Account includes: Skilled/Unskilled Workforce, Less Educated/Uneducated People, Farmers, Laborers/Daily Wagers, Women/Housewives, Self-Employed Individuals, and Young Adults.

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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 profit rate for Little Champs Account?

Profit Payment: Semi-Annually. Profit Rate: 0.19.

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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 NUST Imarat Finance Application?

Rs. 30,000/- or 0.2% of loan amount, whichever is higher (Non-refundable).

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In which area of the country one can avail Credit Card facility?

Credit Card can be availed from all cities / Areas without discrimination.

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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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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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What is the minimum age for applying NUST Mastercard Credit Card?

Minimum 21 years old & Pakistani resident, can apply for NUST MasterCard Credit Card.

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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 is the target market for Value Plus Business Account?

Sole Proprietors, General Partnership, Small Enterprises.

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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 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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Is there any insurance coverage available?

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

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What is the Target Market?

Individuals running a freelance service business

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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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Can we open this account online?

Yes, Digital account opening facility is available with account opening within 48 hours.

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What is the Value Plus Current Account (Individual) (VPCA)?

Value Plus Current Account (VPCA) is an individual current account product that offers value-added features, making it suitable for personal banking with additional benefits for the account holder.

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What are the service/documentation/legal charges in PMYB & ALS?

At actual

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Is NUST Bank offering any financing against liquid security?

NUST Fauri Business Finance has been introduced to provide a swift package to meet financial business needs of new to bank obligors. It is offered to meet short, medium, and long-term requirements of businesses and is available to SMEs & Commercial for all eligible sectors as per NUST credit policy manual.

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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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Is there any limit on the amount received though NUST Home Remittance?

Below are the applicable limits: • NUST Accounts - No Limit • Other banks accounts - No Limit • Cash Over the Counter (CoC) Transactions - Up to PKR 1,000,000/- per transaction and there is no limit of Western Union COC transactions

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What are the main features of the account?

Non-Interest based Account; Frequent Transaction and Funds Accessibility

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What is the maximum tenure in NUST Hunarmand Finance?

Long Term Loan: Maximum 8 Years (Maximum 1 Year Grace Period). Working Capital Loan: Maximum 5 Years (Maximum 2 Year Grace Period). Markup will be recovered during the grace period.

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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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For All NUST Life Banca Products, are brochures available?

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

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What is NUST4Car – NUST Bank’s Auto Finance Facility?

NUST4Car is an auto finance facility offered by NUST Bank that helps individuals finance the purchase of a car through easy repayment plans and competitive interest rates.

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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 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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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 Flour Mill Finance?

Maximum 1 year as per clean-up corridors.

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What is the Profit rate on NAA Savings account?

Current profit rate is 20.50% which is paid Semi Annually.

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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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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 NUST Rice Finance?

At actual.

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What are the main Features of NUST Maximiser Savings Account?

- Attractive profit payment on monthly, quarterly, semi-annual & annual basis. - Minimum monthly average balance requirement Rs. 100,000. - Chip-based Debit Card & Cheque Book issuance as per prevailing SOC.

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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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Other Important Information about NUST Life Insurance Plans

• Munafa Mehfooz Plan is a limited-time plan of 5 Years with the first year High Allocation and upfront loyalty bonus of 20% on the first year. • In case of early termination of Munafa Mehfooz Plan, the upfront loyalty bonus amount value will be subtracted from the cash value of the policy. • In case of death, Cash Value or Sum Assured (whichever is higher) will be paid to nominee/s. • Annual / Half Yearly / Quarterly Policy Premium Payment Modes are available as per customer convenience. • Policy Growth depends on Associated Mutual Fund growth. • Death Claims will be handled by NUST Life, subject to completion of required documents and eligibility if policy status is Active Inforce/Reinstated only.

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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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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 is the minimum balance requirement of NUST Special Deposit Account?

No Minimum Monthly Average Balance Requirement. No Minimum Opening Balance Requirement.

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What are the service/documentation/legal charges in PMYB & ALS?

At actual

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What are the main Features of NUST Maximiser Savings Account?

- Attractive profit payment on monthly, quarterly, semi-annual & annual basis. - Minimum monthly average balance requirement Rs. 100,000. - Chip-based Debit Card & Cheque Book issuance as per prevailing SOC.

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Is NUST Bank offering a simple Digital Banking Account?

Yes, NUST Asaan Digital Account is being offered.

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What is the markup repayment frequency in Ask Fauri Business Finance?

AFBF-1: Monthly / Quarterly, AFBF-2: Monthly / Quarterly, AFBF-3: Upfront, AFBF-4: Upfront.

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Capacity allowed under NUST Ujala Finance?

i. Business Enterprise: SE from 10 KW to 200KW, ME from 30 KW to 500KW. ii. Domestic Borrowers from 5 KW to 30KW. iii. NUST employees: upto 30 KW. iv. Vendors/Suppliers: from 30 KW to 500KW.

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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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What is the profit rate for PakWatan Remittance Account?

Profit Payment: Monthly. Profit Rate: 0.19.

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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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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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This product is available in two variants:

· NUST Maximiser Savings Account · NUST Maximiser Term Deposit

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What documents are required to open a Little Champs Account?

• A photocopy of Form-B, Birth Certificate, or Student ID card (as appropriate) of the minor • A photocopy of any one of the following valid identity documents of the guardian of the minor: 1. Computerized National Identity Card (CNIC) issued by NADRA 2. National Identity Card for Overseas Pakistani (NICOP) issued by NADRA 3. Pakistan Origin Card (POC) issued by NADRA 4. Alien Registration Card (ARC) issued by National Aliens Registration Authority (NARA), Ministry of Interior (local currency account only) 5. Passport, with a valid visa, or any other proof of legal stay along with passport (foreign national individuals only) 6. Source of income of guardian.

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What is the security against the loan?

The financed vehicle will be the security against the loan, which will be hypothecated in favor of NUST Bank.

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What are the main features of NUST Life Bancassurance Policy?

• Short term Family Protection and Long term Savings. • Minimum Policy Amount = 18,000, No Maximum Limit of policy for Munafa Fahfooz Plan, Min Premium = 50,000. • NUST Life Munafa Mehfooz Plan Minimum & Maximum Term = 5 Years. • NUST Life Value Plan Minimum Policy Term = 10 Years. • Additional benefits also available on cost (Riders and additional term insurance). • NUST Life offers different plans to customers as per needs and demands.

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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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Is there any insurance coverage available?

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

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What is the Value Plus Current Account (Individual) (VPCA)?

Value Plus Current Account (VPCA) is an individual current account product that offers value-added features, making it suitable for personal banking with additional benefits for the account holder.

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Who can apply for NUST Credit Card Facility?

Salaried Individuals, Self Employed Businessman/Woman (SEB), Self Employed Professionals (SEP), Specially Abled Persons/Visually Impaired Person/Persons with Disabilities (PWD), Women. Individuals having verifiable source of income can apply for NUST Mastercard Credit Card.

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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 profit rate for NUST Asaan Account?

Profit Payment: Semi-Annually. Profit Rate: 0.19.