SIRAT Junior Savers Account

Save in the currency of your choice for a brighter future of your children (minors up to the age of 18 years). Enjoy preferential profit rates every quarter and free Takaful up to Rs. 1 million.

Account Type Remunerative Checking Account
Currency PKR, USD GBP & EURO
Eligibility Minors upto the age of 18 years
Deductions Subject to Zakat, WHT & other Govt.
Profit Payout Quarterly
Profit Calculation Average Monthly Balance
Min Balance Req. None
Initial Deposit LCY: Rs. 50/-, FCY: USD, GBP & EURO 10/-

Free Services

Life Takaful Cover

First Cheque Books

Pay Orders

Fund Transfers


Account Statements

(Half Yearly / Yearly)


SMS Banking

Web Banking

Rent-free Locker

ATM Takaful Coverage

Free Life Takaful coverage of guardian up to a maximum of Rs. 1,000,000/- (age up to 60 years) available on maintaining an average of six-month account balance of Rs. 15,000/- and above.


TDR Facility is available & TDR will be placed in the name of Minor.
Debit Card will be issued in the name of Guardian.

How To Apply

To apply or get more details, visit your nearest HABIBMETRO Bank or SIRAT branch or call our 24/7 customer care center at 111 1-HABIB (42242).