SOBC July December 2022

Sales Tax / FED on all exciseable services, where ever applicable, will be recovered
in addition to the charges, unless specified otherwise.
Upto 0.50% upto 0.45%

Upto 0.45% upto 0.38% 0.50 0.45 50
Upto 0.38% upto 0.32% 0.45 0.38 75 50
Upto 0.32% upto 0.26% 0.38 0.32 75
100
Negotiable
Upto Rs 2,200/- 0.32 0.26 150 100
150
2,200
1,500
3030401090 1,850
3030401080
3030401080 2,000
1,500
1,500
3030401660
1,500
Markup (As prescribed in policy circular) and Commission

Upto @ 0.25% of the Bill Amount
Markup (As prescribed in policy circular) and Commission
Upto @ 0.25% of the Bill Amount 0.25 3
0.25 3
1,000
600
1,200
500
500
Upto Rs. 2,400/- 3060601130
3060601130 2,400
July - December 2022 5 5

100
50
(only for Trade/Corporate customers)

250
1,500
1,000
50
75
75
1,000
3030401720 3030401720 1,000
3030401200 500
(only for Trade/Corporate customers)

250
304040003 304040003 200

304040003 304040003
Upto Rs. 600/- Per quarter

304040003 304040003 600
500

-Sales Tax / FED on all exciseable services, where ever applicable, will be recovered in addition to the charges, unless specified otherwise.
D
D
(for Corporate Customers) Upto 1.20% of the finance amount. Deviation approval
of waiver or less recovery to rest with Corporate Heads
1.20
Up to 1.20% of the finance amount. Deviation approval
of waiver or less recovery to rest with Corporate Heads
3030101440 1.20
c) Pledge Monitoring Fee Up to 1% of the finance amount. Deviation approval 3030102510
of waiver or less recovery is to rest with Corporate Heads
3060601130
3030102510 (Pledge) c
(Only for Corporate Customers)
3060601130
A) Corporate Customers
(A
3030401600
3030401600
0.10
3030401610
B) 3030401610
For Renewal / Fresh Approval, Interim Enhancement
On off Requests (inclusive of ear-marking Facility),
Restructuring / Rescheduling Fee
Rs. 5,000/- or 0.05% whichever is higher 1

0.05 5,000
Rs. 1M & Above Rs. 10,000/- or 0.05% whichever is higher
0.05 1,000 1
C) Facility Initiation Charges - PMKJYES Upto Rs. 100/- per disbursed case 3030101430
0.05
0.10

4 e
500 1
2,000 5 1
3,000 5
Respective Head RBG & Head Retail Assets & Trade
5
5
10,000
400 1
700 5 1
1,500 10 5
2,500 10
300 5
500 5
500
500
7
7
5,000

proper Approval of Respective Head RBG &
Head Retail Assets & Trade
9
3050101500 9
3050101500 3050101500 1,000
3050101500 1,000
3050101500 3050101500
3050101500 3050101500 1,000
3050101500 1,000
3050101500 500
3050101500
39
3050101500
3050101500 3050101500 1.4
E 3050101500 1,000
3050101500 750
3030401030
E
3030401030
2,000
2,000
2,000
1,000
Upto 0.50% per quarter

Upto 0.38% per quarter} 0.50 15
0.38 30
Upto 0.32% per quarter}
0.32 50
Upto 0.26% per quarter}
0.26 150
Negotiable
150
3030401030
3030401030 500 1,800
1,450
1450/- 60
60/-
3030401790
3030401790
1,200
50

PKR: 5,000/- / FCY: Equivalent USD 500/- or FID’s negotiated
pricing on case to case basis
MCB charges as negotiated by FID plus correspondent
Bank charges
Amendment in Back to Back Guarantees

PKR: 1,450/- FCY: Equivalent USD 60/-
date.
For BBL: PKR: 5,000/- Plus FED / Sales Tax, stamp paper,
. courier / swift charges etc. FID’s negotiated pricing
For BBF: USD: 500/- Plus FED / Sales Tax, stamp paper,
courier / swift charges etc. FID’s negotiated pricing
10 3030401030
3030401030 10
5,000
150
150
Respective Head RBG, Head of Retail Assets & Trade
3030401810
3030401810 350 100,000
400 500,000 100,001
Upto Rs. 100,000 Upto Rs.350
From Rs. 100,001 to 500,000 Upto Rs.400 500 1,000,000 500,001
Upto Rs.500 750 1,000,000
Upto Rs.750
700
200,000
Upto Rs. 700
Upto Rs. 0.18% (Min Charges 700/- Max Charges 10,000/-) 700 0.18 200,000
Upto Rs.500/- 3030401810 3030401810 500

Upto Rs.1000/- 1000
Upto Rs. 500/- for Account Holders 3060601210 3060601210 500
Upto Rs 650/- for Non Account Holders in cash Applicable
to previously issued instruments as well. 650

Free
3030501020
3030501020 500
500
250 6
(h)
(h) CDR Cancellation charges Free

45
Note:
a) Recovery of Remittance charges from Banks, DFIs & utility companies subject to arrangements.
b) The Charges from student / any other person on behalf of the Student for making Banker's Cheque
or any other related instrument for payment of fee/dues in favor of education institution, HEC/Board
etc may not exceed 0.50% of fee/ dues or Rs. 25 per instrument which ever is less.
2500 325 0.1
At 0.1% (Minimum Rs.325/- , Maximum Rs.2,500/-)

2500 325 0.1
(to be recovered from Remitter/Depositor)
At 0.1% (Minimum Rs.325/- , Maximum Rs.2,500/-)

(to be recovered from Account Holder)
325
Upto Rs.325/-
325
- Person whose account
is being debited)
Upto Rs.325/-
Retail Respective Head
Respective Head Retail Banking

G
disbursements & remittances) and Collection Management

System (CMS) (RBG) will be decided on a case to case basis 500
through agreement between the customer and the bank 1,000
5,000
7,500
3030401130
(e
e) Online Tax Collection (OTC) Nill
Charges for Govt. Duties & Taxes

i) 10,000
150
ii) Charges of MCB Cheques 0.15%

Minimum Charges Rs. 100 100
50
500 50
1,000 500
1,000
200 500
3060601190
25
3060601190 500
Upto Rs.240/- per transaction. 3060601360
J 3060601360 240
J
3030101300
3030101300 10,000
10,000
50

10,000
10,000
50
10
50
20
20
20,000
15,000
500
100 5
400
25 5
350
4,500/-
6,500/- 4,500
6,500
10,000
12,000
1 July 2014 2014 1 5,000
Large / Extra Large, 250

600 400

35
Upto Rs. 10/- per leaf for CD & related accounts,

10
Upto Rs. 16/- per leaf for Saving & related accounts.
16
US$ 0.15/-, GB. £.0.10/-, Euro € 0.10/- (Per Leaf) for all Current variants,
US$ 0.18/-, GB. £.0.12/-, Euro € 0.12/- (Per Leaf) for all Saving variants,
Upto Rs. 250/- per request plus Cheque Book Charges 2 2 0 18
250
Balance Confirmation Certificates - Vostro Account

a) For LCY a/c Rs. 1,000/- per certificate
b) For FCY a/c USD 50/-, GBP 40/-, Euro 45/- per certificate
Swift Relay Messages - Vostro Account
Outword: if sent on behalf of foreign bank to local bank USD 10/- or equivalent
Upto Rs. 450/-

US$ 7/-, GB. £ 6/-, Euro € 6/-
450
7 6 6 7
50 7
I) All Accounts (LCY) other than Saving ,Privilege
& CCA A/c's
50,000 (a
25,000 (b
10,000 (c
d) MCB Ladies Account 25,000 (d
e) MCB One Current Account 50,000 (e
500 500 500
The monthly average total relationship with the Bank should

be equivalent or above Pak Rupees 2.5 Million. 2.5
OR
The monthly average total relationship in current account with
the Bank should be equivalent or above Pak Rupees 1 Million.
The monthly average total relationship with the Bank should

be equivalent or above Pak Rupees 2.5 Million.
OR 2.5
The monthly average total relationship in current account with
the Bank should be equivalent or above Pak Rupees 1 Million.
8
- All Digital Transactions Free of cost
(including all transactions related to digital /
branchless / self service chanel / mobile / internet / MCB lite, etc.)
Branch banking over the counter transactions 100/- 3060601380 3060601380
Notes:
(a) In case the balance in a accounts below Rs. 50 available amount will be recovered as incidental
100
charges. The recovery on actual basis should be made inclusive of FED.
(b) No Service Charges for A/c maintenance will be recovered from dormant A/Cs till the period of 50
dormancy.
(c) BB accounts are also exempted from the recovery of these account maintenance charges.
(d) Following accounts are exempt from levy of Rs.50/- (or equivalent) p.m.
i) Accounts maintained by Employees of Govt/Semi-Govt. Institutions for Salary, Pension & 50
Benevolent Fund purpose including widows/ children of deceased employees eligible for family
pension / benevolent fund grant etc; in any manner whatsoever
ii) Mustahqeen Zakat
iii) Zakat accounts maintained for collection & disbursement of Zakat Funds
iv) Students
v) MCB Employees, their spouse and MCB retired staff getting pension in their MCB account, their
account will remain as "Staff" and all Basic Banking Accounts.
(f) No charges on conversion of existing accounts to Basic Banking Accounts (BBA) as per SBP
Instruction.

7 7
Upto Rs. 575/- (Inward)
575
5 5 6
At Actual
At Actual
At Actual
At Actual
Upto Rs. 140/- per certificate

140
2 2 3
Upto Rs. 140/- per certificate
At Actual 3060602030
140
Account Closing Processing Charges
2 2 3
Free 3060602030
Free
3060701090 8
(Water)
15 3060701090
16 3030401750
3030401130 15
100
17 Collection Management System All charges for Collection Management will be decided on case 3030401130
3030401750 16
for Credit Limits ( Running/Cash Finance) to case basis at the time of agreement with customer and the bank
18 Prize Money Charges At Actual
MCB DEPOSIT PRODUCTS 3030401130 17

Banking Services offered against all other MCB Deposit Products
(not mentioned below) will be charged as per SOBC
18
MCB Salary Club Current A/c MCB Salary Club Saving A/c 3060601390
Minimum Balance Requirement Nill
Profit pay out NA Quarterly
Intra city (deposit withdrawals
Free Unlimited 3060601390
and fund transfers)
Inter city deposits Free (5/month) Free (2/month)
Inter city withdrawals Free (5/month) Free (2/month)
Inter city fund transfers Free (5/month) Free (2/month)
Cheque book Free (1/month) Free (1/month)
Bankers cheque Free (3/month) Free (1/month)
Bank certificate Free
Locker Facility (subject to availability) As per SOBC 3060103010 3060103010
Internet banking registration Free
Mobile banking registration Free
Debit Card Paypak Classic Free Issuance / Annual / Renewal Free Issuance only
Debit Card Paypak Gold Free Issuance / Annual / Renewal Free Issuance only
All other Debit Card As per SOBC

MCB Fun Club
PKR. 725/- 3030102350

725
PKR. 725/- 3030101600
3030102350 725
3060601030
3030101600 500
3060601030
MCB Asaan Account

(a) SMS Alert Charges Rs. 50/- Per Month 3030101710
(Branch Banking over the counter transactions) 3030101710
50
MCB Smart Business Account
I)
ii) (I
iii) (ii
iv) Free cheque book issuance, 1 per month (iii
5
v)
(iv
vi)
vii) (v
viii) (vi
ix) for bundled service (vii
x)
charge will apply
{ { (viii
(ix
MCB Ladies Current Account (LCA) (x
a)
3030102350
b)
3030201050
c) Exclusive MCB Ladies Dabit Card First Time Issuance Charges Rs. 1,700/- Discount: Rs. 850/- 3030102350 25,000 (a
d) Exclusive MCB Ladies Dabit Card Renewal Charges Rs. 1,700/- 3030201050 (b
50
e)
850 1,700 (c
MCB One Current Account 1,700 (d
50 (e
Monthly Average Monthly Average Monthly Average Monthly Average
Balance Balance Balance Balance
Transaction Descriptions PKR 0 to <50K PKR 50 to <500K PKR 500K to <2M PKR 2M+
Core Tier Silver Tier Gold Tier Platinum Tier
Intercity Funds Transfer Unlimited Unlimited Unlimited
Intercity Cash Withdrawals 300 per Month 999 per Month Unlimited
Intercity Cash Deposits 300 per Month 999 per Month Unlimited
300 999
Cheque Book 1 per Month Unlimited Unlimited 300 999
Banker’s Cheque As per SoBC 300 per Month 999 per Month Unlimited 1
Outward Clearing (Inter City) 300 per Month 999 per Month Unlimited 300 999
SMS Alerts (OTC) Free Free Free 300 999
Standing Instructions Free Free Free
Same Day Clearing As per SoBC As per SoBC Unlimited
Inward Clearing (Inter City) Free Free Free Free
Utility Bill Payment Free Free Free Free
e-Statement Free Free Free Free
Internet Banking Registration Free Free Free Free
Note: Minimum charges as prescribed in SOBC for Bundled service charge will apply.
Customer can avail free first issuance of MCB Visa Gold Plus / MCB Paypak Gold / MCB Paypak Classic Debit Card.
However, respective debit card’s annual & renewal fees will be applicable as per SOBC.

R MCB Pensioners Account (Current and Saving)
R
50% waiver from actual charges will be applied on the following services;
Cross branch transactions (Intercity / Online Banking)
Bankers Cheque (PO & DD)
Issuance of cheque book (new or in lieu of lost)
Small size locker (One per customer max, subject to availability).
Mobile banking annual fee
Visa PSC Silver & PSC Gold Card.
(a
MCB Senior Citizens Account

(b
S (Currentand
Account (Current andSaving)
Saving)
S
50% waiver from actual charges will be applied on the following services;
Cross branch transactions (Intercity / Online Banking)
Bankers Cheque (PO & DD)
Issuance of cheque book (new or in lieu of lost)
Small size locker (One per customer max, subject to availability).
Mobile banking annual fee
Visa PSC Silver & PSC Gold Card.
(a
(b
T Basic Banking Account
T
1
1
2
2
3030101290
3030101290 35
35
U MCB PLS Savings Xtra Account
U
1 3030301090
3030301090 1
From 4th transaction onward Rs 25 will be

charged for each cash withdrawal made through cheque.
25

V V
1
3060701110
3060701110
15
6 50
Charge will apply
W
W MCB Roshan Digital Account
I) Debit Card Issuance Free
ii) Credit Card Issuance Free
iii) Cheque Book Issuance Charges Free
iv) International Courier Charges Free
(Cheque Book/Debit Card/ Credit Card)
v) Inter Bank Funds Transfer Charges Free
vi) Intercity Clearing Charges Free
vii) Intercity Withdrawal Charges Free
viii) Intercity Funds Transfer/Cheque Charges Free
ix) Outward Foreign Remmitance Charges Free
x) Mobile Banking Service Annual Charges Free
- Annual / Renewal Fee will be charge as per the related visa debit / credit card sections.
- Debit Card and Cheque Book request will be proceed after receiving 1st deposit / remittance in the account.

1200 900
Upto Rs. 900/- 1200/- 1200 900
Upto Rs. 900/- 1200/- 1200 900
Upto Rs. 900/- 1200/-
3030101830 3030101830
370
ATM Receipt Print Charges for cash Rs. 2.5 per transaction (Inclusive of Sales Tax)
withdrawal and Balance Inquiry 3030102400 3030102400 2.5
(ON-US & OFF-US)
Upto Rs. 3.13/- per transaction 3.13
Rs. 23.44/- per transaction (flat) 23.44
- Monthly free limit of PKR 25000/- Per Account/Wallet

(No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction
amount exceeding monthly free limit of Rs. 25000/-
inclusive of all applicable FED / Service Tax etc.
1
0.125 0.125
100,000 1
1,000,000 100,001
1,000,001
1,100/- 1,700/- 1,700/- 1,700/- 5,500/-

1,100/- 1,700/- 1,700/- 1,700/- 5,500/-
5,500 1,700 1,700 1,700 1,100
1,100/- 1,100/- - 1,100/- 2,000/- 5,500 1,700 1,700 1,700 1,100
1,100/- 1,700/- 1,700/- 1,700/- 5,500/- 2,000 1,100 1,100 1,100
5,500 1,700 1,700 1,700 1,100
370
1100
600
370 3.40
ATM Receipt Print Charges for cash Rs. 2.5 per transaction (Inclusive of Sales Tax)
145
withdrawal and Balance Inquiry 3030102400
(ON-US & OFF-US) 3030102400 2.5
Upto Rs. 3.13/- per transaction 3030201120 3030201120

3.13
Rs. 23.44/- per transaction (flat)
23.44

7 - Monthly free limit of PKR 25000/- Per Account/Wallet
2.90%
2.90
60
0.125 1
0.125
100,000 1
1,000,000 100,001
1,000,000
1,050/- 1,100
1,100
1,050
1,100
370
1,100
600
ATM Receipt Print Charges for cash Rs. 2.5 per transaction (Inclusive of Sales Tax) 3030102400
withdrawal and Balance Inquiry 2.5
3030102400
(ON-US & OFF-US)
3030201120 3.13
Upto Rs. 3.13/- per transaction 3030201120 23.44
Rs. 23.44/- per transaction (flat)
- Monthly free limit of PKR 25000/- Per Account/Wallet

370 3.40
145
2.90
2.90%
60
1
0.125
0.125
100,000 1
1,000,000 100,001
1,000,000

July - December 2022
Rs.1,100/- Rs.1,100/- Rs.1,700/- Rs.1,700/- Rs.1,700/- Rs.5,500/- Rs.900/- Rs.1200/-
Rs.1,050/- Rs.1,100/- Rs.1,100/- - Rs.1,100/- Rs.2,000/- - -
Rs.23.44/-Flat
Rs.3.13/-Flat
22
IBFT Via ATM - Monthly free limit of PKR 25000/- Per Account/Wallet (No cap on IBFT number of transactions)
- Rs. 200 or 0.1% (whichever is lower) of the transaction amount exceeding monthly free limit of Rs. 25000/- inclusive of all applicable FED / Service Tax etc.
2.9% on foreign transaction after conversion into US$ and then billed into PKR to the customer inclusive
of Master card charges and statement/currency conversion loss against foreign transaction
US$ 500/- or equivalent PKR
15
500
1,100
370
2.9
145
3.40 370
3.13
22
23.44
1,100 1,100 1,700 1,700 1,700 5,500 900 1,200

1,050 1,100 1,100 1,100 2,000
1,100 1,100 1,700 1,700 1,700 5,500 900 1,200
1,100 1,100 1,700 1,700 1,700 5,500 900 1,200
Rs. 4,200 p.a. Rs. 6,000 p.a. Rs. 12,000 p.a. 12,000 6,000 4,200
6,000 3,000 2,000

Rs. 2,000 p.a. Rs. 3,000 p.a. Rs. 6,000 p.a.
35
500
36
2.5 400
40
3.33
3010402920 40
3010402920 3.33
1,550
Rs.1,550/-
750
3
3030101830 300
900
3030101830
3050101160 0.70
3050101160
600
300
200
355
75
600/-
3050101340
2.5 600
5 1,000
600/-
2.5 600
5 1,000

600/- 2.5 600
5 1,000
500
700
3050101280 3050101280 1,000
3030101820 3.00
3030101820
1.5
2.5 400
5 1,000
23
23 Online balance transfer facility Rs. 250/- or 2% whichever is higher
3030102040
1,100
1,100/-
1,100
1,100/-
900
900/-
900
900/-
525
525/-
425
425/-
(a
(b
3
25,000
25,000
Top up / Air Time Purchase
3030401820
a) IBFT Fee (App / USSD) - Monthly free limit of PKR 25000/- Per Account/Wallet 3030401820 App / USSD
b) IBFT Fee (ATM ) - Monthly free limit of PKR 25000/- Per Account/Wallet
c) IBFT Fetch Fee (1 Link) Upto Rs. 1/- per Transaction

11
(a) Bill Inquiry via ATM (OFF-US-1 Link) Upto Rs. 3.13/- per Transaction 11
Upto Rs. 74 /- per Transaction 3.13
12 ATM Receipt Print Charges for cash Rs. 2.5 per transaction (Inclusive of Sales Tax) 74
withdrawal and Balance Inquiry 2.5 12
(ON-US & OFF-US)
13
Rs. 23.44/- 13
Upto 3.40% of amount or Rs.370/-(whichever is higher) 3030101810 23.44
14 Upto Rs. 370/- (local) & Rs. 1,100/- (International) per document 370 3.40
15 Upto US$ 600/- or equivalent 3060601030
16 Upto 1,100 370 14
17 2.90% on foreign transaction after conversion into 3060601030 600 15
US$ and then billed into PKR to the customer inclusive
35 16
of visa charges and statement/currency conversion loss
against foreign transaction 2.90 17
18 Rejected E-Commerce Transaction Upto PKR 60/- per Transaction 3
MERCHANT ACQUIRING (POS Services)

60 18
a) Merchant Discount Rate (MDR) Up to 2.50% of Transaction Value + Tax on Service 3030301010
Charges
E-COMMERCE (E-Gate Services) I
a) One Time Setup Fee (At the time of on Boarding) Up to Rs. 40,000/- per merchant ID 3030401840
b) Monthly Fee Up to Rs. 5,400/- per month per merchant ID 3030301850
3030301010
c) Per Transaction Charges Up to Rs. 25/- per successful transaction 3030301860 2.50
d) Per Transaction Charges for real time Upto Rs. 5/- for selected high risk merchants only 3030301860
transaction Monitoring (Applicable to E-Gate only) (Risk level to be determined by MCB Bank at the time 3030401840 40,000
on onboarding and/or at any time while merchant 5,400
3030301850
relationship is active)
3030301860 25
e) Merchant Discount Rate (MDR) Up to 3.50% of Transaction Value + Tax on Service 3030301010
Charges 3030301860 5
3030301010 3.50 e

J J
3060601140 3060601140 0.04
3060601140
3060601140 0.05 70,000
3,500
3060601140 0.30
3060601140
3060601140
3060601140 0.40
3060601140 3,000
3060601140 5,000
3060601140 1,000
3060601140 3060601140 300
3060601140
3060601140
3060601140 35
3060601140 3060601140 5
3060601140 3060601140
3060601140
3060601140 0.05 70,000
3060601140 5,000
3060601140
3060601140 0.30
3060601140
1,000 1,000
K
K
(a)
1.2% Rs. 3600/- 3530101340
is higher (applicable upon utilization of loan). 3530101340 3,600 1.2
3560702030
3560702030 10
5
For the purpose of imposition of prepayment
fees, the 2nd/onward years fee will be applied 4
after completion of each calendar year from
the date of disbursement.
Note: Above charges do not apply to Free PPC variant
Rs.700/- Per Instance 3030101350 3030101350
700
500
500
4040110050 4040110050
Issuance of duplicate NOC Upto Rs. 1,000/- 3560601030 3560601030 1,000
b) Secured Personal Loan (b)

Processing Fee Upto Rs.3,500/- or 1% of loan amount whichever is higher 3530101340 3530101340
3,500
ii) Vehicle Appraisal charges for new applicant At Actual (The actual amount charged by the appraisal
(Third party payment) agency).
iii) Income estimation charges for self-employed At Actual
(Third party payment)

iv) Full/Partial Prepayment Fee: 3560702030 3560702030
1st Year Upto 8% of principle amount prepaid
8
2nd Year Upto 5% of principle amount prepaid
3rd Year and all subsequent years of financing Upto 3% of principle amount prepaid 5
For the purpose of imposition of prepayment fees, 3
the 2nd/onward years fees will be applied after
completion of each calender year from the date
of disbursement.
v) Balance confirmation certificates (required by Upto Rs.500/- 3060601030 3060601030
customer other than auditors) 500
vi) Duplicate half yearly statement Free
vii) Late payment charges Per late installment Upto Rs. 500/- 3030101350
viii) Vehicle Repossession charges (Third party payment) At Actual or PKR 75,000/- whichever is lower 4040124580 3030101350 500
ix) Repossessed Vehicle appraisal charges per instance At Actual or Rs. 5,000/- whichever is lower 4040124580 4040124580 75,000
if applicable(Third party payment)
4040124580 5,000
x) Legal charges in case of repossession (Third party At Actual 4040110010
payment)
4040110010
xi) Repossessed Vehicle Parking/warehouse charges Upto Rs. 5,000/- Per Instance 4040124580
4040124580 5,000
xii) NOC for lien removal after 1 month of case settlement Free
xiii) NOC for issuance of Duplicate Registrations Book Rs. 1,000 3560601030
xiv)Documentation retreival charges (beyond 6 months Rs. 2,000 3560601030 1,000
3560601030
post maturity
3560601030 2,000 (x v
xv)Issuance of Duplicate of NOC upto Rs.1,000/- 3560601030
3560601030 1,000 )xv
Rs.5,000 Non-Refundable 3030102140

All other charges - Prepayment/late Payments/Banker's 3030102140 5,000
Cheque reissuance charges/balance confirmation
certifications/duplicate half yearly statements issuance
charges are waived for student personal Loans.
(d)
(d)
4,500 8,500
Upto Rs 8,500/- Non Refundable (Rs.4,500/- in case of BTF)
Low cost Housing Finance for special segment: Rs. 2,500/- 2,500
Non Resident Pakistanis: Rs. 10,000/- 10,000
5
3rd year and subsequent years of financing
For the purpose of imposition of prepayment fees, the 4
2nd/onward years fee will be applied after completion
of each year from the date of first disbursement. 3
5
*Applicable to the amount prepaid less than 5%
or greater than 20% of the outstanding amount. 4
20 5 *
For the purpose of imposition of prepayment fees, *Applicable to the amount prepaid less than 5%
the 2nd/onwards years fee will be applied after or greater than 20% of the outstanding amount. 3
completion of each year from the date of first
disbursement. 20 5 *
*Partial prepayment may be made only twice in a

twelve (12) months period with a minimum sum of
5% and a maximum combined sum of 20% on zero 5
prepayment charge - and any subsequent partial 20
prepayment, irrespective of the amount will attract
prepayment penalty as mentioned above.
Note: Above charges do not apply on Free PPC
variant.

iv) Late payment charges Upto Rs. 1,500/- Per Late Installment 3060702080
3030401010 3060702080 1,500
3030401010 500
3030110010 3030110010
3560601030 3560601030 500
4,000 (ix
ix) Loan Enhancement Fee Rs. 4,000/- per enhancement 3030101170 3030101170
(e) Government’s Markup Subsidy (e)

Scheme Mera Pakistan Mera Ghar 3530102390 2,500
i) Documentation charges Processing Fee Upto Rs.2,500/- excluding FED (non-refundable) 3530102390
ii) Legal Stage 1 (Third Party Payment) At Actual
iii) Legal Stage 2 (Third Party Payment) At Actual
iv) Income Estimation (Third Party Payment) At Actual
v) Appraisal Fee (Third Party Payment) At Actual
vi)Property Insurance (Third Party Payment) At Actual
3540703040 1,000
vii) Full Prepayment Fee: Nill 3030401010 500
viii) Partial Prepayment Fee: Nill 4040110010
ix) Late Payment Charges Upto Rs. 1,000/- Per Late Installment 3560703040
3560601030 500
x) Banker's Cheque Reissuance Charges (if lost by customer) Upto Rs.500/- 3030401010
xi) Legal Charges (Third Party Payment) At Actual 4040110010
(f)
xii) Balance Confirmation Certificates Upto Rs.500/- 3560601030
xiii) Duplicate Half Yearly Statement Free
0.20 2,000
(f) Cash 4 Cash
i) Processing Fee (Fresh/ Renewal) 4040110010
ii) Income Estimation
iii) Legal Charges 4040110010 (g)
(g) Car4U (Auto Finance/Lease/
Roshan Apni Car)
8,000
Upto Rs. 8,000/- (to be received after loan approval

along with down payment)
At Actual (The actual amount charged by the appraisal
agency).
8
6
3.5
Upto 6% of principal amount prepaid

Upto 3.5% of principal amount prepaid
For the purpose of imposition of prepayment
fees, the 2nd/onward years fees will be applied
after completion of each calendar year from
the date of disbursement.
500
Maximum 2 partial prepayment are permissible
in a year and the minimum amount for a partial
prepayment should be equal to 6 monthly
installment.

1,200/- 1,200
Vehicle Repossession charges 4040124580 75,000
4040124580
4040124580 5,000
4040124580
in case of repossession 4040110010 4040110010
Repossessed Vehicle Parking/warehouse charges 5,000
Per Instance 4040124580
4040124580
xiv) Documentation retreival charges Upto Rs. 2,000/- 3560601030 3560601030 2,000 v
v
(beyond 6 months post maturity) 3560601030 1,000
xv) Issuance of Duplicate NOC Upto Rs. 1,000/- 3560601030 v
xvi) Bio-metric Verification at the time of lien removal
(h)
(h) MCB Fleet 4U
I) Processing Fee All vehicle types. 0.1% of the finance amount or 3530102380 3530102380 5,000 0.1
Minimum PKR 5,000/-,whichever is high.
ii) Vehicle Appraisal charges for new applicant At Actual (The actual amount charged by the appraisal agency).
(where applicable) (Third party payment)
iii) Income estimation charges for self-employed At Actual
(Third party payment)
3560703030 8
iv) Full/Partial Prepayment Fee: 3560703030
1st Year Upto 8% of principle amount prepaid 6
2nd Year Upto 6% of principle amount prepaid 3.5
3rd Year and all subsequent years of financing Upto 3.5% of principle amount prepaid
Note: For the purpose of imposition of prepayment fees, the 2nd/onward years fees will be applied after completion of
each calender year from the date of disbursement. Maximum 2 partial prepayments are permissible in a year and the
minimum amount for a partial prepayment should be equal to 6 monthly instalments. 3060601030 500
v) Balance confirmation certificates Upto Rs.500/- 3060601030
(required by customer other than auditors)
vi) Duplicate half yearly statement Free 3060703020 2,000
vii) Late payment charges Per late installment Upto Rs. 2,000/- 3060703020 75,000
viii) Vehicle Repossession charges (Third party payment) At Actual or PKR 75,000/- whichever is lower 4040124580 5,000
ix) Repossessed Vehicle appraisal charges per At Actual or Rs. 5,000/- whichever is lower 4040124580 4040110010
instance if applicable(Third party payment)
4040124580 5,000
x) Legal charges in case of repossession (Third party payment) At Actual 4040110010
xi) Repossessed Vehicle Parking/warehouse charges Upto Rs. 5,000/- Per Instance 4040124580
xii) NOC for lien removal after 1 month of case settlement Free
xiii) NOC for issuance of Duplicate Registrations Book Free
xiv) Documentation Retreival Charges Up to PKR 2,000
3060601030 2,000 (x v
3060601030
(beyond 6 months post maturity) (I)
(I) Instant Cash Product
3060601440 2,500 5,000
Processing fee Upto: Rs. 5,000/- Minimum Rs. 2,500/- 3060601440
3060601430 2,000
Annual fee (Renewal fee) Rs. 2,000/- 3060601430
Late payment fee Rs. 1,000/- 3030102210 3030102210 1,000
Duplicate statement charges Free

(J) Revolving Overdraft Facility (J)
Processing fee 1% of approved limit Minimum and Maximum 3030101440 3030101440 5,000 2,500 1
Rs. 2,500/- to 5,000/-
2,000
Annual fee (Renewal fee) Upto Rs. 2,000/-
Debit Card (Renewal fee) On Actual 3030201050 3030201050
Late Payment Fee Upto Rs. 1,000/- 3030102340 3030102340 1,000
Duplicate statement charges Free
Note:
Debit card, cheque book and sms alerts charges as per Retail Banking SOBC

(K) Roshan Apna Ghar (K)
Processing Fee Upto Rs 4000/- Non Refundable
4000
Legal Stage 1 (Third Party Payment) At Actual 3030101170 10,000
Legal Stage 2 (Third Party Payment) At Actual 3030101170
Appraisal Fee (Third Party Payment) At Actual
Full Prepayment Fee 3560702050

1st year 1% of remaining principal amount
2nd year Nil
3rd year and subsequent years of financing Nil
For the purpose of imposition of Prepayment Fees, 3560702050 1

the 2nd/onward years' fee will be applied after
disbursement.
Partial Prepayment Fee 3560702050
During 1st year 5% of Partial Paid Amount
2nd year Nil 3560702050
3rd and subsequent years of financing Nil 5
For the purpose of imposition of prepayment fees,

the 2nd/onwards years fee will be applied after
disbursement. 3
*Partial prepayment may be made only twice in a 20 5 *
twelve (12) months period.
Late payment charges Upto Rs 1,500/- per late installment 3060702080
3030401010
3060702080 1,500
Banker's cheque Reissuance charges if lost by Upto Rs.500/-
customer 3030401010 500
3030110010
Legal Charges (Third Party Payment) At Actual 3030110010
3560601030 500
Balance confirmation certificates Upto Rs.500/- 3560601030
Duplicate half yearly statement 3030101170 4,000
Free
Loan Enhancement Fee Rs. 4,000/- per enhancement 3030101170

Sales Tax / FED on all exciseable services, where ever applicable, will be recovered
in addition to the charges, unless specified otherwise.
50
75 50
100 75
150 100
150
2,000
a)- Respective Head Retail Banking and Head Retail Assets & Trade are authorized to refund LC
Commission on prorata basis upon cancellation of LC before its expiry However while refunding prorata
commission for unexpired period, care should be taken that the commission for partial usage should be
charged subject to minimum of Rs.2,000/- 2,000
b) LC confirmation charges / charges outside Pakistan, where applicable, will be recovered on case to case basis.
c) Plus applicable Swift/Courier charges
1,500
5,000
1,500

1,000
1,500
1,500
1,500
1,500
1,500
1,200
75
100
1,500
25
2,000
1,000
50
1,000

10
100 20 10
100 35 20
100 50 35
100 50
1,200
1,500
1,000
3030401700
3030401700
75
100
250
2,000
800
1,000
23 Bank to Bank EIF / FI Transfer Upto Rs. 500 per transaction 500 23
24 EIF / FI approval charges against import on Upto Rs. 500 per transaction 500 24
open account basis against which payment
is not to be made
25 Others 25
PSW EIF / FI Upto Rs 100/- Per EIF / FI 100
FOC PSW EIF / FI Upto Rs 500/- Per EIF / FI 500
Processing of Further Transactions for Upto Rs 500/- Per Transaction 500
Importers having Pending IAPs

50 2,000
50 1,200
500
1,000
2,000
5,000
1,500
1,000
1,000
500
(a) Duty draw back claim Upto Rs. 0.25% per case
Upto Rs. 250/-
250
250
250
80
250
1,500
2,000
(h) Handling of DLTL cases 0.25% on DLTL claim above Rs. 100,000/-, and / or
1,000
Rs. 250/- Flat where claim below Rs. 100,000/-
(h)

1,000
500
1,500
250
1,200
3030401110
1,000
8 Bank to Bank transfer of electronic form E Rs. 500/- per transaction 500 8
(EEF) in PSW
9
9 Others
100
PSW EFE / FI Upto Rs 100/- Per EFE / FI
500
FOC PSW EFE / FI Upto Rs 500/- Per EFE / FI
Processing of Further Transactions for Upto Rs 500/- Per Transaction 500
Exporters having Pending EAPs
(a) Money transfer under general permission Upto 0.1% of value of transaction (Minimum $ 5/-
or specific approval of SBP or from Foreign Maximum S 100/- or their Equivalent)
Currency Accounts 300
15 50
30
3 1,000
1,000
6
3
In Addition to above commission / correspondent bank charges at actual if any / service charges /
recovery of courier / postage / fax / swift charges also be made according to prescribed tariff
wherever applicable

400
400
In Addition to above commission / correspondent bank charges at actual if any / service charges /
recovery of courier / postage / fax / swift charges also be made according to prescribed tariff
wherever applicable
1500
3060601010
3060402030
3060402030
3060602030
3060602105
3060601030 30
100
3060601360
6
3060601360
3060601350
3060601350
50
4 4
3030401810
3030401810 500
350
3060602070
3060602070 500
15
30

5 3030401810
6 3060601030 3030401810 500 5
3060601030 1,200 6
7 3030401350 3030401350 500 7
5 0.15 8
8 0.15% Minimum US$ 5 whichever is higher along with
applicable courier charges & Correspondent Bank charges
at actual
9 3030401010 3030401010 100 9
10
3030401010 3030401010 10
300
100
450
200
11
1,000 11

Minimum Balance Requirement:-
i) All Privilege Accounts (LCY)
The monthly average total relationship with the Bank should be equivalent or above Pak Rupees 2.5 Million. -
OR
The monthly average total relationship in Current Deposits with the Bank should be equivalent or above Pak 2.5
Rupees 1 Million.
ii) All Privilege Accounts (FCY)

The monthly average total relationship with the Bank should be equivalent or above Pak Rupees 2.5 Million. -
OR
The monthly average total relationship in Current Deposits with the Bank should be equivalent or above
Pak Rupees 1 Million.
Minimum Charges of Rs.1/- (or equivalent of FCY A/c) per service to be recovered from Privilege Accounts holders for:
Chequebook Issuance Stop Payment of Cheque

Banker's Cheque Standing Instructions
Intercity Withdrawals Banker's Cheque cancellation ( For PKR A/c Only )
Priority Pass Annual Fee Duplicate Statements
intercity deposit Same day clearing charges
MCB Burqraftaar Remittance Account

and MCB Asaan Remittance Account
50
PayPak Gold and PayPak Classic Debit Cards are free
with MCB Burqraftaar Remittance Account and
MCB Asaan Remittance Account

4 4
(Including all cards)

50
1,000
2,000
(Including all cards)

6
6
(Visa PSC Silver, PSC Gold Card)

SOBC July December 2022

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Sales Tax / FED on all exciseable services, where ever applicable, will be recovered

in addition to the charges, unless specified otherwise.

Upto 0.50% upto 0.45%

Markup (As prescribed in policy circular) and Commission

Upto Rs. 2,400/- 3060601130

July - December 2022 5 5

(only for Trade/Corporate customers)

(only for Trade/Corporate customers)

304040003 304040003 200

Upto Rs. 600/- Per quarter

July - December 2022 6 6

Rs. 5,000/- or 0.05% whichever is higher 1

July - December 2022 7 7

July - December 2022 8 8

Upto 0.50% per quarter

July - December 2022 9 9

Amendment in Back to Back Guarantees

Respective Head RBG, Head of Retail Assets & Trade

Upto Rs.500/- 3030401810 3030401810 500

July - December 2022 10 10

(h) CDR Cancellation charges Free

2500 325 0.1

At 0.1% (Minimum Rs.325/- , Maximum Rs.2,500/-)

At 0.1% (Minimum Rs.325/- , Maximum Rs.2,500/-)

Retail Respective Head

Respective Head Retail Banking

disbursements & remittances) and Collection Management

July - December 2022 11 11

ii) Charges of MCB Cheques 0.15%

July - December 2022 12 12

1 July 2014 2014 1 5,000

Large / Extra Large, 250

July - December 2022 13 13

Upto Rs. 10/- per leaf for CD & related accounts,

Balance Confirmation Certificates - Vostro Account

Upto Rs. 450/-

500 500 500

The monthly average total relationship with the Bank should

The monthly average total relationship with the Bank should

July - December 2022 14 14

Upto Rs. 140/- per certificate

Upto Rs. 140/- per certificate

MCB DEPOSIT PRODUCTS 3030401130 17

July - December 2022 15 15

PKR. 725/- 3030102350

MCB Asaan Account

July - December 2022 16 16

MCB Senior Citizens Account

Bankers Cheque (PO & DD)

Issuance of cheque book (new or in lieu of lost)

Small size locker (One per customer max, subject to availability).

Mobile banking annual fee

Visa PSC Silver & PSC Gold Card.

From 4th transaction onward Rs 25 will be

July - December 2022 17 17

July - December 2022 18 18

Upto Rs. 3.13/- per transaction 3.13

Rs. 23.44/- per transaction (flat) 23.44

- Monthly free limit of PKR 25000/- Per Account/Wallet

1,100/- 1,700/- 1,700/- 1,700/- 5,500/-