Complete Protection of Funds

Muhafiz Savings Account provides end-to-end services of transactions and savings facilities to all serving and retired government officials with the most convenient investment process. Muhafiz account holders can easily earn high profits on savings with no minimum balance requirement while also keeping their funds completely accessible at any time.

Product Features for Salaried

• 10.50% p.a. profit on monthly average balance.
• No minimum balance requirement.
• Deposit can conveniently be made through OTC, ATM, Internet banking or Mobile banking.
• Unlimited transactions.
• Zero initial deposit required.

Product Features for Pensioner

• 10.50% p.a. profit on monthly average balance.
• No minimum balance requirement.
• Deposit can conveniently be made through OTC, ATM, Internet banking or Mobile banking.
• Unlimited transactions.
• Zero initial deposit required.

Special conditions for Pensioner

Pensioners shall complete their Proof of Life Certificate (POLC) through NADRA PakID Mobile App, NADRA Registration Centers or NADRA e-Sahulat Franchise Networks, as per the applicable process.

Free Services on Muhafiz Account on maintaining a minimum balance of PKR 10,000 & above:

• Free cheque book of 25 leaves per month.
• Free clearing (inward and outward).
• Free bankers cheque (2 per month).
• Free monthly duplicate statement.
• Free funds transfer (KMBL to KMBL).

*Terms and conditions apply