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 free services available with ASDA?	Free E-statement & I-Net Banking, Free Inter Branch Online Cash Deposit/Withdrawal (Online), Free Internal Fund Transfer within NUST via branch (Online Transfer), Free Banker’s Cheque Issuance, Free SMS Alerts on Digital Transaction.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	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	What is the target market for Current Deposit Account?	Individuals (either singly or jointly); Proprietorship Concerns, Business Owners; Partnership Firms; Public and Private Limited Companies; Government Organizations; Corporations, Clubs, Societies, NGOs etc.
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 Value Plus Business Account (VP-BA)?	Value Plus Business Account (VP-BA) is a business account offering a range of benefits and tailored solutions for businesses to manage their financial transactions efficiently.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Can the loan amount be used for any other purpose?	No, the loan amount can only be used for specific purpose i.e., Purchase of House/ Apartment/ Flat/ Residential Unit, Purchase of Plot (+) plus Construction, Construction of House/ Residential Unit on already owned 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.
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 main features of EFU Bancassurnace Policy?	- Family Protection and Long term savings - Minimum Policy Amount = 18,000 No Maximum Limit of policy - Minimum Policy Term = 10 Years (Except Single Premium Plan) - Additional benefits also available on cost (Riders and additional term insurance) - EFU Life offer different plans to customer as per needs and demands of customers
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?	PKR 1,000/- plus FED per instance per installment, grace period included. Late Payment to be triggered 15 days after installment becomes due i.e. on day 16.
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	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	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	who can apply for NUST Ujala Finance?	1. SE/ME Financing 2. Vendor’s / Suppliers’ Financing 3. NUST Employees’ Financing 4. Domestic Applicant Financing (exclusively for employees of corporate / government sector)
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	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 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	What is the Target Market for Value Plus Premium Business Account?	Medium Enterprises, Partnership Firms, Private & Public Limited Companies, Corporate & Commercial Organizations, NGOs / NPOs / Trust/ Charitable Organizations.
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	For which purposes NUST Hunarmand Finance is being offered?	• To start a new business • To expand an existing 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 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 are the purposes for which NUST Sahar Finance can be availed?	i. Expansion of existing business ii. Set up of new business iii. Purchase of stocks/ Working Capital Requirement etc.
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 insurance benefits associated with VPCA?	ATM Cash Withdrawal Insurance Coverage. 24 Hours World-wide “Accidental Death & Permanent Disability” Insurance Coverage.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is Jubilee Life Bancassurance Policy?	Jubilee Life Bancassurance Policy is a life insurance product offered by NUST Bank in partnership with Jubilee Life Insurance Company, providing a range of life insurance plans.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there any Premature Encashment Penalty in NUST Maximiser Term Deposit?	The encashment of NUST Maximiser Term Deposit before maturity will be subject to premature encashment penalty as below: Principal amount x 1.5% per annum on the remaining period of the Term Deposits. (For example, if a deal booked for 5 years matures after 2 years – penalty/charges will be 4.5% x Principal Amount). Minimum penalty/charges are 1.5% of the principal amount. The penalty amount will be to the extent of profit paid/payable only.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What 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 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 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 is the Target Market?	Individuals (either singly or jointly). Proprietorship Concerns. Partnership Firms. Public and Private Limited Companies. Government Organizations, Corporations. Clubs, Societies, Associations. NGOs/NPOs/Charitable Organizations.
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 Hunarmand Finance?	Tier 2: 4.5% per annum. Tier 3: 6.5% per annum.
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 Current Deposit Account?	Individuals (either singly or jointly); Proprietorship Concerns, Business Owners; Partnership Firms; Public and Private Limited Companies; Government Organizations; Corporations, Clubs, Societies, NGOs etc.
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 period of loan?	• For vehicles up to 1000 CC: up to 5 years. • For vehicles greater than 1000 CC: up to 3 years.
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 transaction limits in NUST Asaan Digital Remittance Account?	Yes, the following transaction limits apply for NUST Asaan Digital Remittance Account: Maximum Credit Balance Limit is PKR 3,000,000, Cash Withdrawal Limit is PKR 500,000 per day, Fund Transfer Limit is PKR 500,000 per day, and Local Credit Limit is PKR 1,000,000 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 NUST Bank offering any seasonal financing?	Seasonal finance product "NUST Flour Mill Finance” has been structured through for quick financing under program-based lending. The product has been designed for Flour Mills in order to meet their working capital needs. NUST Flour Mill Finance caters to meet seasonal financing needs of wheat procurement and other overhead expenses to flour mills. The scope of product is to target flour mills which fall under 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 minimum monthly income criterion?	Salaried: Permanent Rs. 50,000/-, Contractual Rs. 60,000/-, Govt. Employee Contractual 75,000/-; Armed Forces: 25,000/-.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Are there any charges/fee for NUST's Home Remittance Service?	NUST Home Remittance Service is free of charge.
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?	PKR 1,000/- plus FED per instance per installment, grace period included. Late Payment to be triggered 15 days after installment becomes due i.e. on day 16.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the charges applicable for NUST Hunarmand Finance?	Applicable as per PMYB & ALS.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	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 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 hidden charges?	There are no hidden charges. All charges are mentioned in our Schedule of Charges available at our website and at all branches 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 is the security requirement for availing NUST Hunarmand Finance?	i. Personal guarantee of the borrower for loans up to 1.5M, and direct debit authority of borrower/pensioner/guarantor to be obtained. ii. For loans above 1.5M, it shall be secured against movable as well as immovable assets of borrowers as defined under PMYB&ALs. iii. Guarantee of serving officer of armed forces in case of his family (spouse or children) avail loan under this program.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the free services available with NUST Maximiser Savings Account?	o Bankers Cheque Issuance o CDR Issuance o Inter Branch Online Cash Withdrawal/Deposit (Online) o Internal Fund Transfer within NUST via branch (Online Transfer) o Internet Banking o SMS on digital transactions o E-statements
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Please tell me about the free facilities being provided on Value Plus Current Account for Business upon maintaining minimum Monthly average Balance?	Issuance of Cheque Books. Duplicate Account Statement. Issuance of Debit Card (Subsequent Charges/Annual Fees would be as per prevailing SOC). Internet Banking facility. SMS Alerts on Digital Transaction. E-statement. Inter Branch Online Cash Deposit/Withdrawal (Online). Internal Fund Transfer within NUST via branch (Online Transfer). 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	What is NUST Asaan Account (NAA)?	NUST Asaan Account (NAA) is a convenient and easy-to-open banking account designed to meet the needs of everyday banking, providing a hassle-free experience.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is your bank offering Profit & Loss account?	Yes, Profit & Loss Sharing Account is specially designed to meet the transactional and savings need of customers.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What 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 free services associated with PakWatan Remittance account?	Free services include: First Cheque Book of 25 Leaves (For Current Account only). NUST Visa Debit Card Issuance (annual and replacement fee would apply). Bankers Cheque Issuance. Inter Branch Online Cash Withdrawal/Deposit (Online). Internal Fund Transfer within NUST via branch (Online Transfer). Internet Banking. SMS on digital transactions. E-statements.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the 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	Nature of loan allowed in NUST Hunarmand Finance?	• 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 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 are the processing charges for PMYB & ALS?	Rs. 100/-
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 collateral requirement for Ask Fauri Business Finance?	NUST: Lien on NUST deposit CA/SA/TDR, including 3rd party (LCY/FCY). National Saving Certificates (NSC): Lien over NSC including joint name/owner.
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	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 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	What are the benefits of NUST Bank Auto Finance?	• Competitive Floating & Fixed Mark Up Rate. • Partial Payment option available to reduce monthly installment. • Attractive Insurance Rate at 1.75% per annum. • Quick Processing & Minimum Documentation. • Free Tracker & Its installation. • No hidden charges. • Free Accidental Life Insurance up to Rs.1,000,000.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What are the processing charges for PMYB & ALS?	Rs. 100/-
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	Can I track my remittance status online?	Yes, you can view the status of your remittance online through NUST Remittance Tracker by following link https://NUSTbank.com/services/alternate-delivery-channels/home-remittance-tracking/
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	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 are the main Features of the Little Champs Account?	• Minimum initial deposit of Rs.100/- • Little Champs Savings A/C • Free first chequebook* (For Current Account only) • Free debit card* (annual/replacement fees apply) • Profit Payment: Semi-Annually • Profit Rate: 0.19 • Daily funds Transfer Limit: Rs.100,000/- • Daily ATM Withdrawal Limit: Rs.25,000/- • Daily POS Limit: Rs.50,000/-
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the repayment frequency in NUST Hunarmand Finance?	Repayment of AHF loans will be made in the form of monthly or quarterly installments (or as per SBP’s directives).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is 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	Does the PRI come under the laws of State Bank or Government?	It is a joint initiative of State Bank of Pakistan, Ministry of Overseas Pakistanis and Ministry of 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 account type of NAA?	NAA can be opened both in Current & Savings.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the Target Market?	The target market for NUST Asaan Digital Remittance Account includes individuals - beneficiaries (families) of Pakistanis working abroad.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is NUST Bank offering any financing product related to renewable/alternate energy solutions?	NUST Bank has structured a new financing product under the name of 'NUST Ujala Finance' in light of SBP’s refinance scheme, under the ambit of SME. The Product Program has been developed to provide financing for installation of solar energy equipment as an alternate source of energy.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Please tell me about the minimum Monthly balance required?	No initial deposit requirement. Rs. 25,000/- (Monthly Average Balance).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	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 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 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	For which purposes NUST Flour Mill Finance is being offered?	Cash Finance (CF): To meet working capital requirements of flour mill business for procurement of wheat as per milling capacity. Running Finance (RF): To meet working capital requirements i.e. transportation, salary & wages, utility and other administrative expenses etc. (Procurement of wheat 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	Any mandatory qualification/experience required?	Specifically for New Business: i) Only Professionals (Chartered Accountants, Doctors, Engineers, IT Professionals, and Consultants) with minimum 2 years professional experience. ii) Retired professionals from armed forces and families of serving armed forces officers. No Professional Qualification Required for existing 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 Target Market?	Individuals (either singly or jointly). Proprietorship Concerns. Partnership Firms. Public and Private Limited Companies. Government Organizations, Corporations. Clubs, Societies, Associations. NGOs/NPOs/Charitable Organizations.
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?	Late payment charges PKR 1,000/- plus FED will be charged after the 30th day of installment overdue.
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	What is the current Mark-up rate of NUST Imarat Finance?	General Regular SME’s: End-user Rate: 12MK+4% p.a. (to be reviewed on annual basis). SME’s Backed By Armed Forces: End-user Rate: 12MK+2.5% p.a. (to be reviewed on annual basis).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	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 is the profit rate for NUST Waqaar Account - Senior Citizen?	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	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	Nature of loan allowed in NUST Hunarmand Finance?	• 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	Is there any list of branches I can access to get information?	The list of NUST domestic branches can be viewed from the Branch Locator available on our corporate website www.nustbank.com. https://NUSTbank.com/find-us/
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 age criteria for applying NUST Mortgage Finance?	Salaried Permanent: 60 Years at the maturity of loan, Salaried Contractual: 65 Years at the Maturity of loan, Pensioners: 65 Years at the maturity of loan, SEB/SEP: 65 Years at the 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	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 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	Please tell me about the free facilities being provided on Value Plus Current Account for Business upon maintaining minimum Monthly average Balance?	Issuance of Cheque Books. Duplicate Account Statement. Issuance of Debit Card (Subsequent Charges/Annual Fees would be as per prevailing SOC). Internet Banking facility. SMS Alerts on Digital Transaction. E-statement. Inter Branch Online Cash Deposit/Withdrawal (Online). Internal Fund Transfer within NUST via branch (Online Transfer). 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	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	Is there any Transaction Limitation for NUST Sahar Asaan Current Account?	Monthly withdrawal limits up to Rs. 1,000,000, Total Credit Balance Limit of up to Rs. 1,000,000, Cross border (outward) transactions shall not be allowed except in case of international transactions carried out through debit cards.
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?	Salaried (Approved Company): Category A Company - PKR 40,000 (Permanent) & PKR 60,000 (Company / 3rd Party Contractual), Category B & C Company - PKR 50,000 (Permanent) & PKR 60,000 (Company / 3rd Party Contractual). Salaried (Non-approved Company): PKR 70,000 (Permanent) & PKR 80,000 (Company Contractual). Salaried (GOP): Serving - PKR 35,000 (Permanent, BPS-5 & above) & PKR 45,000 (Contractual), Retired - PKR 40,000 subject to pension with NUST. Armed Forces, Allied Concerns & Civilians in GHQ/NHQ/AHQ: Serving - PKR 25,000 (Commissioned Officers / JCOs & Lower Cadre), Retired - PKR 40,000 (Commissioned Officers) and Rs. 15,000 (JCOs & Lower Cadre subject to pension with NUST). SPD & its allied concerns - PKR 25,000 (Permanent & Contractual). Civilians in GHQ/NHQ/AHQ - PKR 25,000 (Permanent) and PKR 35,000 (Contractual). Fauji Foundation & its Allied Concerns: PKR 25,000 (Permanent & Contractual). SEB/SEP: PKR 100,000 (Branch Customers), PKR 150,000 (Non-Branch Customers).
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 service/documentation/legal charges in NUST Sahar 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 repayment frequency in NUST Hunarmand Finance?	Repayment of AHF loans will be made in the form of monthly or quarterly installments (or as per SBP’s directives).
You are an expert bank customer service bot for NUST Bank. Provide accurate, helpful, and concise answers to customer questions and queries	Is there 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	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	Does the bank require any Equity for this scheme?	New Business: 20% equity. Existing Business: No equity, the existing investment in business will be considered as equity.
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	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	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 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	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	Who can open a Roshan Digital Account?	NRPs, OPF Members, Foreign Nationals having Pakistan Origin Card (POC), Pakistani Nationals having declared assets abroad, Govt. Employees & Officials posted abroad.

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What are the free services available with ASDA?

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

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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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What is the target market for Current Deposit Account?

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

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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 Value Plus Business Account (VP-BA)?

Value Plus Business Account (VP-BA) is a business account offering a range of benefits and tailored solutions for businesses to manage their financial transactions efficiently.

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Can the loan amount be used for any other purpose?

No, the loan amount can only be used for specific purpose i.e., Purchase of House/ Apartment/ Flat/ Residential Unit, Purchase of Plot (+) plus Construction, Construction of House/ Residential Unit on already owned 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.

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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 main features of EFU Bancassurnace Policy?

- Family Protection and Long term savings - Minimum Policy Amount = 18,000 No Maximum Limit of policy - Minimum Policy Term = 10 Years (Except Single Premium Plan) - Additional benefits also available on cost (Riders and additional term insurance) - EFU Life offer different plans to customer as per needs and demands of customers

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Is there any late payment charges?

PKR 1,000/- plus FED per instance per installment, grace period included. Late Payment to be triggered 15 days after installment becomes due i.e. on day 16.

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Are there any late payment charges?

Rs. 3,000/- per installment.

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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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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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who can apply for NUST Ujala Finance?

1. SE/ME Financing 2. Vendor’s / Suppliers’ Financing 3. NUST Employees’ Financing 4. Domestic Applicant Financing (exclusively for employees of corporate / government sector)

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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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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 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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What is the Target Market for Value Plus Premium Business Account?

Medium Enterprises, Partnership Firms, Private & Public Limited Companies, Corporate & Commercial Organizations, NGOs / NPOs / Trust/ Charitable Organizations.

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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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For which purposes NUST Hunarmand Finance is being offered?

• To start a new business • To expand an existing business.

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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 are the purposes for which NUST Sahar Finance can be availed?

i. Expansion of existing business ii. Set up of new business iii. Purchase of stocks/ Working Capital Requirement etc.

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Are there any insurance benefits associated with VPCA?

ATM Cash Withdrawal Insurance Coverage. 24 Hours World-wide “Accidental Death & Permanent Disability” Insurance Coverage.

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What is Jubilee Life Bancassurance Policy?

Jubilee Life Bancassurance Policy is a life insurance product offered by NUST Bank in partnership with Jubilee Life Insurance Company, providing a range of life insurance plans.

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

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

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

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

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What is the Target Market?

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

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

Tier 2: 4.5% per annum. Tier 3: 6.5% per annum.

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What is the target market for Current Deposit Account?

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

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What is the maximum period of loan?

• For vehicles up to 1000 CC: up to 5 years. • For vehicles greater than 1000 CC: up to 3 years.

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Are there any transaction limits in NUST Asaan Digital Remittance Account?

Yes, the following transaction limits apply for NUST Asaan Digital Remittance Account: Maximum Credit Balance Limit is PKR 3,000,000, Cash Withdrawal Limit is PKR 500,000 per day, Fund Transfer Limit is PKR 500,000 per day, and Local Credit Limit is PKR 1,000,000 per day.

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Is NUST Bank offering any seasonal financing?

Seasonal finance product "NUST Flour Mill Finance” has been structured through for quick financing under program-based lending. The product has been designed for Flour Mills in order to meet their working capital needs. NUST Flour Mill Finance caters to meet seasonal financing needs of wheat procurement and other overhead expenses to flour mills. The scope of product is to target flour mills which fall under category of SME.

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What is the minimum monthly income criterion?

Salaried: Permanent Rs. 50,000/-, Contractual Rs. 60,000/-, Govt. Employee Contractual 75,000/-; Armed Forces: 25,000/-.

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Are there any charges/fee for NUST's Home Remittance Service?

NUST Home Remittance Service is free of charge.

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Is there any late payment charges?

PKR 1,000/- plus FED per instance per installment, grace period included. Late Payment to be triggered 15 days after installment becomes due i.e. on day 16.

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What are the charges applicable for NUST Hunarmand Finance?

Applicable as per PMYB & ALS.

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This product is available in two variants:

· NUST Maximiser Savings Account · NUST Maximiser Term Deposit

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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 hidden charges?

There are no hidden charges. All charges are mentioned in our Schedule of Charges available at our website and at all branches of NUST Bank.

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What is the security requirement for availing NUST Hunarmand Finance?

i. Personal guarantee of the borrower for loans up to 1.5M, and direct debit authority of borrower/pensioner/guarantor to be obtained. ii. For loans above 1.5M, it shall be secured against movable as well as immovable assets of borrowers as defined under PMYB&ALs. iii. Guarantee of serving officer of armed forces in case of his family (spouse or children) avail loan under this program.

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What are the free services available with NUST Maximiser Savings Account?

o Bankers Cheque Issuance o CDR Issuance o Inter Branch Online Cash Withdrawal/Deposit (Online) o Internal Fund Transfer within NUST via branch (Online Transfer) o Internet Banking o SMS on digital transactions o E-statements

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Please tell me about the free facilities being provided on Value Plus Current Account for Business upon maintaining minimum Monthly average Balance?

Issuance of Cheque Books. Duplicate Account Statement. Issuance of Debit Card (Subsequent Charges/Annual Fees would be as per prevailing SOC). Internet Banking facility. SMS Alerts on Digital Transaction. E-statement. Inter Branch Online Cash Deposit/Withdrawal (Online). Internal Fund Transfer within NUST via branch (Online Transfer). Banker’s Cheque Issuance.

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What is NUST Asaan Account (NAA)?

NUST Asaan Account (NAA) is a convenient and easy-to-open banking account designed to meet the needs of everyday banking, providing a hassle-free experience.

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Is your bank offering Profit & Loss account?

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

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What 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 free services associated with PakWatan Remittance account?

Free services include: First Cheque Book of 25 Leaves (For Current Account only). NUST Visa Debit Card Issuance (annual and replacement fee would apply). Bankers Cheque Issuance. Inter Branch Online Cash Withdrawal/Deposit (Online). Internal Fund Transfer within NUST via branch (Online Transfer). Internet Banking. SMS on digital transactions. E-statements.

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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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Nature of loan allowed in NUST Hunarmand Finance?

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

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

At actual.

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What are the processing charges for PMYB & ALS?

Rs. 100/-

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What is the collateral requirement for Ask Fauri Business Finance?

NUST: Lien on NUST deposit CA/SA/TDR, including 3rd party (LCY/FCY). National Saving Certificates (NSC): Lien over NSC including joint name/owner.

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

At actual.

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What are the benefits of NUST Bank Auto Finance?

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

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What are the processing charges for PMYB & ALS?

Rs. 100/-

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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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Can I track my remittance status online?

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

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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 are the main Features of the Little Champs Account?

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

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What is the repayment frequency in NUST Hunarmand Finance?

Repayment of AHF loans will be made in the form of monthly or quarterly installments (or as per SBP’s directives).

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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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Does the PRI come under the laws of State Bank or Government?

It is a joint initiative of State Bank of Pakistan, Ministry of Overseas Pakistanis and Ministry of Finance.

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What is the account type of NAA?

NAA can be opened both in Current & Savings.

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What is the Target Market?

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

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Is NUST Bank offering any financing product related to renewable/alternate energy solutions?

NUST Bank has structured a new financing product under the name of 'NUST Ujala Finance' in light of SBP’s refinance scheme, under the ambit of SME. The Product Program has been developed to provide financing for installation of solar energy equipment as an alternate source of energy.

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Please tell me about the minimum Monthly balance required?

No initial deposit requirement. Rs. 25,000/- (Monthly Average Balance).

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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 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 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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For which purposes NUST Flour Mill Finance is being offered?

Cash Finance (CF): To meet working capital requirements of flour mill business for procurement of wheat as per milling capacity. Running Finance (RF): To meet working capital requirements i.e. transportation, salary & wages, utility and other administrative expenses etc. (Procurement of wheat through RF funds is restricted).

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Any mandatory qualification/experience required?

Specifically for New Business: i) Only Professionals (Chartered Accountants, Doctors, Engineers, IT Professionals, and Consultants) with minimum 2 years professional experience. ii) Retired professionals from armed forces and families of serving armed forces officers. No Professional Qualification Required for existing business.

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What is the Target Market?

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

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Are there any late payment charges?

Late payment charges PKR 1,000/- plus FED will be charged after the 30th day of installment overdue.

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

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

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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 is the profit rate for NUST Waqaar Account - Senior Citizen?

Profit Payment: Monthly. Profit Rate: 0.19.

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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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Nature of loan allowed in NUST Hunarmand Finance?

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

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Is there any list of branches I can access to get information?

The list of NUST domestic branches can be viewed from the Branch Locator available on our corporate website www.nustbank.com. https://NUSTbank.com/find-us/

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What is the Maximum age criteria for applying NUST Mortgage Finance?

Salaried Permanent: 60 Years at the maturity of loan, Salaried Contractual: 65 Years at the Maturity of loan, Pensioners: 65 Years at the maturity of loan, SEB/SEP: 65 Years at the maturity of loan.

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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 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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Please tell me about the free facilities being provided on Value Plus Current Account for Business upon maintaining minimum Monthly average Balance?

Issuance of Cheque Books. Duplicate Account Statement. Issuance of Debit Card (Subsequent Charges/Annual Fees would be as per prevailing SOC). Internet Banking facility. SMS Alerts on Digital Transaction. E-statement. Inter Branch Online Cash Deposit/Withdrawal (Online). Internal Fund Transfer within NUST via branch (Online Transfer). Banker’s Cheque Issuance.

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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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Is there any Transaction Limitation for NUST Sahar Asaan Current Account?

Monthly withdrawal limits up to Rs. 1,000,000, Total Credit Balance Limit of up to Rs. 1,000,000, Cross border (outward) transactions shall not be allowed except in case of international transactions carried out through debit cards.

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What is the minimum monthly income criterion?

Salaried (Approved Company): Category A Company - PKR 40,000 (Permanent) & PKR 60,000 (Company / 3rd Party Contractual), Category B & C Company - PKR 50,000 (Permanent) & PKR 60,000 (Company / 3rd Party Contractual). Salaried (Non-approved Company): PKR 70,000 (Permanent) & PKR 80,000 (Company Contractual). Salaried (GOP): Serving - PKR 35,000 (Permanent, BPS-5 & above) & PKR 45,000 (Contractual), Retired - PKR 40,000 subject to pension with NUST. Armed Forces, Allied Concerns & Civilians in GHQ/NHQ/AHQ: Serving - PKR 25,000 (Commissioned Officers / JCOs & Lower Cadre), Retired - PKR 40,000 (Commissioned Officers) and Rs. 15,000 (JCOs & Lower Cadre subject to pension with NUST). SPD & its allied concerns - PKR 25,000 (Permanent & Contractual). Civilians in GHQ/NHQ/AHQ - PKR 25,000 (Permanent) and PKR 35,000 (Contractual). Fauji Foundation & its Allied Concerns: PKR 25,000 (Permanent & Contractual). SEB/SEP: PKR 100,000 (Branch Customers), PKR 150,000 (Non-Branch Customers).

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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 service/documentation/legal charges in NUST Sahar Finance?

At actual.

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What is the repayment frequency in NUST Hunarmand Finance?

Repayment of AHF loans will be made in the form of monthly or quarterly installments (or as per SBP’s directives).

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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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What are the insurance charges?

At actual.

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Does the bank require any Equity for this scheme?

New Business: 20% equity. Existing Business: No equity, the existing investment in business will be considered as equity.

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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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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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Are there any taxes applicable on this account?

Zakat and taxes are applicable as per law.

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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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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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Who can open a Roshan Digital Account?

NRPs, OPF Members, Foreign Nationals having Pakistan Origin Card (POC), Pakistani Nationals having declared assets abroad, Govt. Employees & Officials posted abroad.