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Shareholder Agahi - Your Gateway to Shareholder Insights

Pakistan's first comprehensive platform, developed by PICG and CDC, dedicated to enhancing shareholder awareness and empowerment. Discover Shareholder Agahi- Your one-stop hub for real- time shareholder updates, rights, and governance insights. Empower yourself with accurate information.

Explore the portal: https://www.shareholderagahi.com/

Watch the tutorial (Urdu): https://www.youtube.com/watch?v=07iCRIKJ37A/

Sunwai Portal

State Bank of Pakistan, in its endeavor to further improve the effectiveness and fairness of the banking system, has developed a Portal and Mobile App namely ‘Sunwai- a customer complaint management service’ with an aim to facilitate customers in the lodgment of their complaints with the Banks/DFIs/MFBs (referred herein as FIs).

Sunwai can be accessed at https://sunwai.sbp.org.pk

Google Play store: https://play.google.com/store/apps/details?id=com.sbp.sbp_complaints_management&hl=en&gl=US&pli=1

IOS App store: https://apps.apple.com/gb/app/sunwai-customer-complaint/id1631334727

Rates

Expected Rate of Return - May 01, 2026 to June 30, 2026
Expected Rate of Return January 01, 2026 to June 30, 2026
Expected Rate of Return July 01, 2025 to December 31, 202 5
Expected Rate of Return June 01 2025 to June 30 2025
Expected Rate of Return February 01, 2025 to June 30, 2025
Expected Rate of Return January 01, 2025 to June 30, 2025
Expected Rate of Return December 01, 2024 to December 31, 2024
Expected Rate of Return October 01, 2024 to December 31, 2024
Expected Rate of Return August 01, 2024 to December 31, 2024
Declared Rates 01st Jan 2024 30th June 2024
Expected Rate of Return July 01, 2024 to December 31, 2024
Declared Rates 01st Jul 2023 to 31st Dec 2023
Expected Rate of Return Jan 01 2024 to Jun 30 2024
Declared Rate of Return - Effective 1st January 2023 - 30th June 2023
Expected Rate of Return July 01, 2023 to December 31, 2023
Annualized Expected Rate of Return on Deposits - Effective May 01, 2023 to June 30, 2023
Annualized Expected Rate of Return on Deposits - Effective April 01, 2023 to June 30, 2023
Expected Rate of Return February 01 2023 to June 30 2023
Declared Rate of Return - Effective 1st July 2022 - 31st December 2022
Expected Rate of Return January 01 2023 to June 30 2023
Expected Rate of Return December 01 2022 to December 31 2022 (Broadcast)
Expected Rates Of Return August, 1st 2022 to December 31, 2022
Expected Rates Of Return July, 2022 to December 31, 2022
Declared Rate of Return – Effective January 1,2022 June, 30 2022
Expected Rates Of Return 1st June 2022 to 30th June 2022.
Expected Rates Of Return 1st May 2022 to 30th June 2022.
Declared Rate of Return – Effective July to December, 2021
Expected Rates Of Return 1st January 2022 to 30th June 2022.
Expected Rates Of Return 1st December 2021 to 31st December 2021.
Declared Rate of Return – Effective January to June, 2021
Expected Rates Of Return July to December 2021.
Declared Rate of Return – Effective July to December, 2020
Annualized Expected Rate of Return - Effective January to June, 2021.
Declared Rate of Return – Effective Jan to June, 2020
Annualized Expected Rate of Return - Effective July 15 to December 31, 2020.
Annualized Expected Rate of Return - Effective July 04 to December 31, 2020.
Annualized Expected Rate of Return - Effective July 01 to December 31, 2020.
Annualized Expected Rate of Return - Effective June 22 to June 30, 2020.
Annualized Expected Rate of Return - Effective June 01 to June 30, 2020.
Annualized Expected Rate of Return - Effective May 01 to June 30, 2020.
Annualized Expected Rate of Return - Effective April to June, 2020.
Annualized Expected Rate of Return – Effective January 01 to June 30, 2020
Declared Rate of Return – Effective July 01 to December 31, 2019
Term deposit Rates & Information – Effective July 03, 2019 to September 03, 2019
Annualized Expected Rate of Return – Effective August 01 to December 31, 2019.
Annualized Expected Rate of Return – Effective July 01 to December 31, 2019
Expected rate of Return - June 01 to June 30, 2019
Declared Rates 01st Jan 2019 - 30th June 2019
Expected Rate of Return - March 01 to June 30, 2019 (Broadcast)
Declared Rates July to Dec 2018
Expected Rate of Return on Deposits - Jan 01, 2019 to June 30, 2019
Expected rate of return – Oct 01 to December 31, 2018
Expected rate of return – Aug 01 to December 31, 2018
Expected rate of return – July 01 to December 31, 2018
Expected Rate of Return - Feb 01 to Jun 30, 2018
Expected Rate of Return - Jan 01 to Jun 30, 2018 (Broadcast)
Declared Rates - Jan 01, 2017 to June 30, 2017
Samba Personal Loan Pricing Grid -July - Dec 2017
Expected Rate of Return - Jul 01 to Dec 31, 2017
Expected Rate of Return - 1st January 2017 - June 30, 2017
Expected Rate of Return - Jul 01 to Dec 31 2016 (Broadcast)
Declared Rates - Jan - Jun 2015
Declared Rates - Jul - Dec 2015
Expected Rate of Return - 1st January 2016 - June 30, 2016
Expected Rate of Return on Deposits - October 01,2015 to December 31,2015
Expected Rate of Return - 1st June 2015 - June 30, 2015
Expected Rate of Return - 1st April 2015 - June 30, 2015
Expected Rate of Return - 1st February - June 30, 2015
Expected Rate of Return - 1st January - June 30, 2015
Declared Rates July-Dec 2014
Expected Rate of Return - 1st December - December 31, 2014
Declared Rates Jan-June 2014
Expected Rate of Return - 1st July - December 31, 2014
Declared Rates July-Dec 2013
Annualized Rate of Expected Returns 1st Jan - 30th June 2014
Annualized Rate of Expected Returns 1st Dec - 31st Dec 2013
Annualized Rate of Expected Returns October - December 2013
Declared Rates Jan-Jun 2013
Annualized Rate of Expected Returns July - December 2013
Annualized Percentage Rate for Personal Loan Installment Program
Annualized Rate of Expected Returns Apr 01 - Jun 30, 2013
Declared Rates July-Dec 2012
Annualized Rate of Expected Returns Jan 01 - June 30, 2013.
Annualized Rate of Expected Returns July-Dec 2012
Annualized Rated of Expected Returns Jan - Apr 2012
Annualized Rated of Expected Returns May - June 2012
Declared Rates July- Dec 2011
Annualized rate of expected return - July 2011
Declared Rates Jan-Jun 2011
Annualized Rate of Expected Return - Jan 2011
Range of Declared Special Rates - July To Dec 2010
Declared Rates July-Dec 2009
Indicative Rates From Jan 2010
Indicative Rates Jan 2009 – June 2009
Indicative and declared Rates July 2008 – Dec 2008

Unclaimed Deposits

Unclaimed Deposit Annexure A- Dec 2023
Unclaimed Deposit Annexure A- Dec 2022
Unclaimed Deposit Annexure A- Dec 2021
Unclaimed Deposit Annexure A- Dec 2020
Unclaimed Deposit Annexure A- Dec 2019
Unclaimed Deposit Annexure A- Dec 2018
Unclaimed Deposit Annexure A - Dec 2017
Unclaimed Deposit Annexure A - Dec 2016
Unclaimed Deposit Annexure A - Dec 2015
Unclaimed Deposit Annexure A - Dec 2014
Unclaimed Deposit Annexure A - Dec 2013
Unclaimed Deposit Annexure A - Dec 2012
Unclaimed Deposit Statement 2011
Unclaimed Deposit Statement 2010
Unclaimed Deposit Statement 2009
Unclaimed Statement 2008 LCY
Unclaimed Statement 2008 FDD-EURO
Unclaimed Statement 2008 FDD-GBP
Unclaimed Statement 2008 FDD-USD
Unclaimed Statement 2008 Frozen
Unclaimed Statement 2007 PKR
Unclaimed Statement 2007 FCY
Unclaimed Deposit Frozen FCY_2006
Unclaimed Statement 2006 FCY
Unclaimed Statement 2006 PKR

Schedule of Charges

Note : In accordance with the SBP guidelines, Samba Bank Limited is currently not charging clients for RTGS.

Summary of Charges (July -December 2026)
Schedule of Bank Chargers (July to December 2026)
Summary of Changes (January to June 2026)
Schedule of Charges - January to June 2026
Addendum to SOC - July to December 2025
Summary of Changes (July to December 2025)
Schedule of Charges (July to December 2025)
Summary of Changes (January to June 2025)
Schedule of Charges - January to June 2025
Schedule of Charges (July to December 2024)
Summary of Changes (July to December 2024)
Addendum to SOC - January to June 2024
Schedule of Charges (January to June 2024)
Summary of Changes (January to June 2024)
Schedule of Charges (July to December 2023)
Summary of Changes (July to December 2023)
Schedule of Charges (1st Jan to 30th June 2023)
Summary of Changes (January to June 2023)
Addendum to SOC - July 01 to December 31,2022
Summary of Changes (July to December 2022)
Schedule of Charges (July to December 2022)
Summary of Changes (January to June 2022)
Schedule of Charges (January to June 2022)
Addendum to SOC - July 01 to December 31,2021
Schedule of Charges (July to December 2021).
Summary of Changes (July to December 2021)
Schedule of Charges (1st Jan to June 30th 2021)
Summary of Changes
Schedule of Charges (July to December 2020)
Summary of Changes (July to December 2020)
Schedule of Charges (January to June 2020)
Summary of Changes
Schedule of Charges 1st of July - Dec 2019
Schedule of Charges 1st Jan - 30th June 2019
Schedule of Charges 1st July - 31st Dec
Schedule of Charges Jan - June 2018
Summary of Changes Schedule of Charges Jan - June 2018
Schedule of Charges July - Dec 2017
Amendment To RTGS Charges SBL SOC Jan - June 2017
Schedule of Charges Jan - June 2017
Schedule of Charges July - Dec 2016
Schedule of Charges Jan - June 2016
Addendum to Schedule of Charges
July 1st to December 31st, 2015 - English
July 1st to December 31st, 2015 - Urdu
January 1st to June 30th, 2015
July 1st to Decemeber 31st, 2014
January 1st to June 30th, 2014
July 1st to December 31st, 2013
January 1st to June 30th, 2013
July 1st to Decemeber 31st, 2012
January 1st to June 30th, 2012
July 1st to Decemeber 31st, 2011
January 1st to June 30th, 2011
July 1st to December 31st, 2010

FAQs, T&Cs and Guidelines

List of Operational ATMs
3DS Terms of Service_Use
Upgraded Samba Debit MasterCard
Financial Rights & Responsibilities
Verification of authenticity & genuineness of Bank Guarantees
SBL Same Day Clearing Branches
Centralized Processing of Clearing
Financial Consumer Protection Framework
PBA Glossary on Consumer Financing (English)
PBA Glossary on Consumer Financing (Urdu)
Awareness among Policy Holders - SECP Notice
Guideline of Business Conduct
Debit Card T&C's and Card Holder Safety
Grievance Commissioner Cell for Overseas Pakistan
Debit Card User Guide
FX Services For Individuals
Samba E-statements T&Cs
Guidelines on New Cheque Books
Terms and Conditions for Accounts and Services - NRP Dubai (Urdu)
Terms and Conditions for Accounts and Services - NRP Dubai (English)
Terms and Conditions for Accounts and Services - Urdu
FAQs SAMBA ATM Card
Terms and Conditions for Accounts and Services
Terms and Conditions for Accounts and Services – Corporate Accounts
Guidelines for Card Holders (Urdu)
Guidelines for Card Holders (English)
Card Facilitation Center
Complaint Brochure
Focal Points for Complaints Resolution of Politically Exposed Persons (PEP)
Placard

SBP Notices and Circulars

ELECTRONIC CREDIT INFORMATION BUREAU (eCIB)
Letter - Awareness of FIO
Issuance of Premium Prize Bonds (Registered) form Samba Bank Limited
Mera Pakistan, Mera Ghar - Product Brochure
COVID-19:Measures by SBP
Awareness Campaign Against the Illegal Money Value Transfer Services (MVTS)
Biometric Notification - Important
Awareness of Federal Insurance Ombudsman
Know Your Rights and Responsibilities as a Bank's Consumer - English
Know Your Rights and Responsibilities as a Bank's Consumer - Urdu
Protecting Your Payment Cards
Issuance of Fresh Banknotes through Mobile SMS Services Eid ul Fitr 2019
Rupay Ko Pehchano
Exchange of Demonetized Rs 500 Old Design Banknote
State Bank Customer Facilitation Centers to Reduce Concerns/Grievances of Depositors & Borrowers
Registration and National Tax Number Certificate

Key Fact Statement for Liability Accounts

Exporter Special Foreign Currency Account (ESFCA) Current
Term Deposit Account
Special Foreign Currency Account
Non-Resident Legal Entities Account ~ Current (NRBVA & FCBVA)
Non-Resident Legal Entities Account ~ Savings (NRBVA & FCBVA)
Current Account (General Banking) Branch & Digital (Both)
Savings Account (General Banking) Branch & Digital (Both)
Asaan Account & Asaan Remittance Account (Branch Only)
Hajj & Umrah Remittance Account
Non-Resident Pakistan (NRP) – Repatriable (NRAR) & Non-Repatriable (NRAN)
Consumer Assets (PIL & Running Finance)
Roshan Digital Account ~ Current (NRVA & FCVA)
Roshan Digital Account ~ Savings (NRVA & FCVA)
RDA Low Income - Current (NRVA & FCVA)
RDA Low Income - Savings (NRVA & FCVA)
Asaan Digital Account (ADA) & Asaan Remittance Account (ADRA) (Digital Only)
Freelancer Account - Current & Saving
Sohni Dharti Remittance Account