Abhi Profit Rate & Schedule of Charges
Minimum deposits, account maintenance charges, ATM/card fees, and audited deposit rate ranges — from Abhi Microfinance Bank's own official Schedule of Charges.
- SOC Effective Jul–Dec 2026
- Savings: 7.25%–14.00% p.a. (FY2025)
- Last Verified: Sep 4, 2026
Minimum Deposit by Account Type
| Account | Minimum Initial Deposit |
|---|---|
| Asaan Account | Rs. 100 |
| Sahulat Current Account | Rs. 2,000 |
| Aitmaad Bachat Account | Rs. 2,000 |
| Rozana Munafa Account | Rs. 5,000 |
| Niswan Rozana Munafa | Rs. 5,000 |
| Sahulat Plus Current Account | Rs. 10,000 |
Core deposit accounts carry a Rs. 150/month maintenance fee plus FED. That doesn't apply if you're a Transaction Banking customer, an individual depositor with a Term Deposit relationship, or a Corporate Wallet holder. Fall below the minimum balance for your account category and you'll be hit with a separate Rs. 100 plus FED penalty — except on the Asaan Account, which carries no minimum-balance penalty at all. That penalty also doesn't apply to Rozana Munafa accounts used for government/semi-government salary, pension, or benevolent-fund disbursement, Zakat collection accounts, students, or Abhi employees and their spouses.
Confirmed directly from Abhi Microfinance Bank's official Branch Banking Schedule of Charges, effective 1 July – 31 December 2026.
Audited Deposit Rate Ranges
- Savings Rate (FY2025)
- 7.25%–14.00% p.a.
- Savings Rate (FY2024)
- 7.25%–16.00% p.a.
- Term Deposit Rate (FY2025)
- 9.99%–23.5% p.a.
- Term Deposit Tenure
- 1–60 months
These ranges are pulled from the Bank's audited financials — the actual spread of rates paid across its deposit book over the year, not today's marketing rate card. Confirm the current rate with the Bank directly before you open a term deposit.
Confirmed directly from Abhi Microfinance Bank's FY2025 audited financial statements, Notes 19.1 and 19.2.
ATM, Card & Funds Transfer Charges
ATM & Transfers
| Transaction | ABHI ATM / Own Bank | Via 1-Link |
|---|---|---|
| Cash Withdrawal | Free | Rs. 35 per transaction |
| Balance Inquiry | Free | Rs. 3.74 |
| Mini Statement | Free | Actual (charged by other bank) |
| Fund Transfer (within Abhi) | Free | — |
| IBFT to other bank | 0.1% of amount or Rs. 200 (whichever lower), above Rs. 25,000/month threshold — free below that | |
PayPak Debit Cards
| Card | Depositor: Issuance | Depositor: Annual | Borrower: Issuance | Borrower: Annual |
|---|---|---|---|---|
| PayPak Classic | Rs. 1,500 | Rs. 1,500 | Rs. 1,000 | Rs. 1,000 |
| PayPak Prestige | Rs. 2,000 | Rs. 2,000 | Rs. 1,500 | Rs. 1,500 |
Replacement fees mirror the issuance fee for each card tier. If you're a borrower rather than a standard depositor, you'll pay less for the card.
Cheques, Pay Orders & Clearing
| Cheque book | Rs. 35 per leaf |
| Pay Order — issuance / cancellation / replacement | Rs. 750 each |
| Call Deposit Receipt — issuance / cancellation | Rs. 750 each |
| Inward/Outward clearing return | Rs. 500 per instrument |
| Same-day clearing / return | Rs. 750 / Rs. 1,000 per instrument |
| Funds transfer — within city, branch, or intercity | Free |
Confirmed directly from Abhi Microfinance Bank's official Branch Banking Schedule of Charges, effective 1 July – 31 December 2026.
Beyond the branch counter, Abhi Microfinance Bank offers three ways to clear a cheque: a Dropbox Facility, now available in Islamabad (Blue Area), Karachi (Clifton), and Lahore (DHA); Scanned Cheque Deposit, exclusively for Corporate and Priority customers; and Direct Deposit, where you submit a crossed cheque directly at the drawee's own bank.
Cheque clearing options confirmed from Abhi Microfinance Bank's official social media announcement.
| Small / Medium / Large Locker Rent | Rs. 5,000 / Rs. 7,500 / Rs. 10,000 per year |
| Locker Key Deposit | Rs. 3,000 |
| Statement of Account (on request) | Rs. 150 per request |
| Account Balance Certificate | Rs. 500 per request |
| Stop Payment | Rs. 500 |
Confirmed directly from Abhi Microfinance Bank's official Branch Banking Schedule of Charges. All charges are exclusive of tax except IBFT; government levies (FED, sales tax, zakat) apply in addition where relevant, and are not reversed once deducted. On zakat specifically: the Ministry of Poverty Alleviation and Social Safety set the 2026 Zakat Nisab at Rs. 503,529 — savings and profit-and-loss sharing accounts (including Abhi's) at or above this balance on the first day of Ramadan are subject to automatic 2.5% deduction on the full balance, not just the amount above the threshold, unless a valid exemption (Form CZ-50) has been filed with the Bank in advance.
ABHI Pay Wallet Charges (Branchless Banking)
ABHI Pay, the mobile wallet, runs on its own charge schedule (1 July – 30 September 2026). Opening the wallet costs nothing. Deposit cash at an Abhi branch, no charge; withdraw there too, also free, though WHT still applies at prevailing rates. Same for deposits through a UBL Omni or Easypaisa agent — free. Withdraw through a UBL Omni agent, though, and you'll pay up to 1.7% of the amount plus WHT.
Cash In / Cash Out — Interoperable Agent Network
Step outside Abhi's own network — any agent that isn't Abhi's branch, UBL Omni, or Easypaisa — and cash-in costs 2.15% of the amount plus a flat Rs. 10 BVS fee. Cash-out through that same interoperable network is tiered by withdrawal amount, also inclusive of the Rs. 10 BVS fee:
| Withdrawal Amount | Service Fee (Exc. Tax) + Rs. 10 BVS |
|---|---|
| Rs. 1 – 200 | Rs. 6.03 |
| Rs. 201 – 500 | Rs. 10.34 |
| Rs. 501 – 1,000 | Rs. 17.24 |
| Rs. 1,001 – 2,500 | Rs. 34.48 |
| Rs. 2,501 – 4,000 | Rs. 60.34 |
| Rs. 4,001 – 6,000 | Rs. 86.21 |
| Rs. 6,001 – 8,000 | Rs. 112.07 |
| Rs. 8,001 – 10,000 | Rs. 155.17 |
| Rs. 10,001 – 13,000 | Rs. 198.28 |
| Rs. 13,001 – 16,000 | Rs. 241.38 |
| Rs. 16,001 – 20,000 | Rs. 284.48 |
| Rs. 20,001 – 25,000 | Rs. 327.59 |
| Rs. 25,001 – 30,000 | Rs. 405.17 |
| Rs. 30,001 – 40,000 | Rs. 482.76 |
| Rs. 40,001 – 50,000 | Rs. 594.83 |
Confirmed directly from Abhi Microfinance Bank's official Branchless Banking Schedule of Charges — Interoperable Agent Network Charges section.
Funds Transfer — Mobile Wallet to CNIC (JazzCash Agent)
| Transfer Amount | Charge (up to) |
|---|---|
| Rs. 0 – 1,000 | Rs. 39.70 |
| Rs. 1,001 – 2,500 | Rs. 80.20 |
| Rs. 2,501 – 4,000 | Rs. 119.80 |
| Rs. 4,001 – 6,000 | Rs. 160.30 |
| Rs. 6,001 – 8,000 | Rs. 200.00 |
| Rs. 8,001 – 10,000 | Rs. 239.70 |
| Rs. 10,001 – 13,000 | Rs. 280.20 |
| Rs. 13,001 – 15,000 | Rs. 310.30 |
| Rs. 15,001 – 20,000 | Rs. 379.30 |
| Rs. 20,001 – 25,000 | Rs. 439.70 |
Transfers within Abhi's own wallet network are free. IBFT to another bank follows the standard 0.1%-of-amount-or-Rs.200 rule, whichever is lower, inclusive of FED — and it's free below a Rs. 25,000 monthly threshold. Borrowing wallet accounts pay a Rs. 150/month maintenance fee plus FED, offset by 2 free IBFTs up to Rs. 50,000 a year as a built-in perk. Full breakdown of IBFT limits and Raast on our Raast & IBFT page. Worth noting: the PayPak Classic/Prestige card fees, 1-Link ATM withdrawal (Rs. 35), balance inquiry, mini statement, and IBFT charges listed earlier under "ATM, Card & Funds Transfer Charges" aren't a separate branch-only fee set — the Branchless Banking Schedule of Charges confirms they apply to ABHI Pay wallet customers too.
Confirmed directly from Abhi Microfinance Bank's official Branchless Banking Schedule of Charges, effective 1 July – 30 September 2026 — Money Transfer section.
Other Financial Transactions
| Transaction | Charges |
|---|---|
| Mobile Top-Up (Prepaid Load) | Free (1st 3/month); then Rs. 2 (4–10/mo), Rs. 6 (11–15/mo), Rs. 7 (16–20/mo), Rs. 10 (20+/mo) |
| Utility Bills (Electricity, Gas, Water) | Free (1st 3/month); then Rs. 5 (4–9/mo), Rs. 10 (10+/mo) |
| Mobile Packages / Bundles | Free (1st 3/month); then Rs. 2 (4–10/mo), Rs. 6 (11–15/mo), Rs. 7 (16–20/mo), Rs. 10 (20+/mo) |
| Request for Money (from a mobile wallet user) | Free |
| Retail Payment to any mobile wallet merchant | Free |
| Online Payment to any mobile wallet merchant (in-app or website) | Free |
Miscellaneous — Earned Wage Access & Advance Salary
| Item | Charges |
|---|---|
| Earned Wage Access (EWA) — Rs. 500 to Rs. 5,000 | Rs. 150 |
| Earned Wage Access (EWA) — Rs. 5,001 to Rs. 15,000 | Rs. 250 |
| Earned Wage Access (EWA) — Rs. 15,001 & above | Rs. 350 |
| EWA Late Payment Charges | 0.1% of outstanding amount per day, applied after a 7-day grace period from the due date |
| Advance Salary | As per agreement with customer |
Confirmed directly from Abhi Microfinance Bank's official Branchless Banking Schedule of Charges — Other Financial Transactions and Miscellaneous sections.
1. Bank staff are exempt from all charges except amounts the Bank must reimburse to a third party, or where a specific section states otherwise.
2. Bank management can levy additional fees for non-standard or specialized services when required.
3. Charges above exclude tax except on IBFT — government levies (FED, sales tax, zakat, etc.) get added on top and aren't reversed once deducted.
4. Branchless banking account limits follow prevailing State Bank of Pakistan regulations.
5. FED and other applicable government levies apply on top of any listed service charge, unless stated otherwise.
Good For
- Checking the minimum deposit before opening any Abhi account
- Comparing ATM, card, and transfer fees against other banks
- Understanding wallet cash-in/cash-out costs before using an agent
- Seeing the audited deposit rate range instead of a marketing claim
Need today's exact rate or fee?
Schedules of Charges are updated periodically — confirm the current version directly with the Bank.
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Account Opening
How to open an Abhi account.
Loan Products & Charges
Every Abhi loan product, processing fees, and terms.
Latest News & Updates
Dated, sourced Abhi Bank announcements and partnerships.
Women-Centric Banking
Niswan Karza loan and Niswan Rozana Munafa savings.
Earned Wage Access
How EWA works and what it costs.
Financial Literacy
Plain-language banking basics.
Raast & IBFT
Transfer fees, limits, and what Raast covers today.
For independent verification, see State Bank of Pakistan.