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GUIDELINES FOR CLEARING OPERATIONS
- OUTWARD INSTRUMENTS/CHEQUES COLLECTION TIMINGS
Following is the Instruments / Cheques Collection Timings for different types of outward clearing:
| Clearing Type | Cut-off Time for Collection of Instrument(s) (T*+0) | Credit in Payee’s Account | Condition |
| Sameday | 10:00 a.m. | T+0
(before closing of business hours) |
Cheques received from customer after Cut-off Timings shall be processed in Normal outward clearing |
| Overnight (Normal) | 03:00 -5:00 p.m. ** | T+1
(before closing of business hours) |
Cheques received from customer after the cut-off time shall be lodged in the batch of next business day |
| Intercity | 03:00 -5:00 p.m. ** | T+3
(before closing of business hours) |
|
| USD – Local Clearing | 5:00 p.m. | Fate of instruments lodged on Monday shall be realized on Thursday (before closing of business hours).
Fate of instruments lodged on Thursday shall be realized on Monday (before closing of business hours). |
USD Clearing is performed by NIFT on Monday & Thursday only.
Cheques must be received at CCU – Karachi one business day before the USD clearing days of Monday & Thursday |
| Non NIFT
(Remote Area) |
03:00 -5:00 p.m. ** | T+1 or T+2
(before closing of business hours) |
Collection timing and credit in payee’s account may vary based on drawer’s bank / branch arrangement as per the branch location. |
* T- means the business day on which the payment instrument is lodged for clearing.
**The collection timings may vary depending upon location of the branch and the time rider visits branch to collect clearing cheques / instruments. Customers should contact their respective branch for further details.
- CRITERIA FOR LODGEMENT OF INSTRUMENTS FOR SAMEDAY CLEARING:
| Instrument Type | All instruments issued in PKR |
| Sameday Bank / Branches | Both Receiving and Paying Banks / Branches must be member of “Same Day Clearing – NIFT” |
| Amount of Instrument | No limit |
| Timing | Till 10:00 a.m. (Mon to Fri) |
Note: Same day clearing charges will be applied as per prevailing Bank’s Schedule of Charges.
CUSTOMER FACILITATION
- The customer may approach to the respective branch staff for obtaining information regarding Rights, Responsibilities & Liabilities of Payee / Drawer and information regarding clearing operations or call at HABIBMETRO Contact Center at 021-111-142242.
- List of HABIBMETRO Same Day Clearing, Centralized, De-centralized and Remote area branches are