Sunday, 14 October 2018

How to make Donations in Diamer Bhasha and Mohmand Dams Fund Account

The Chief Justice of Supreme Court of Pakistan established a Supreme Court of Pakistan Diamer Bhasha and Mohmand Dams Fund on 10th July, 2018 to raise funds for the construction of Diamer Bhasha and Mohmand Dams. The Honorable Court supervises the Fund and its Registrar operates its account directly.

Later, the Prime Minister of Pakistan announced to join efforts with the Chief Justice of Pakistan for this cause. Accordingly, the fund was renamed as “Prime Minister and Chief Justice of Pakistan Fund for Diamer Bhasha and Mohmand Dam.”

To facilitate the collection of donations within and outside Pakistan, State Bank of Pakistan has made elaborate arrangements providing a variety of channels with the help of banks within and outside the country.All commercial banks, microfinance banks, and field office of SBP Banking Services Corporation have opened the Fund account to receive donations in cash, through cheques, pay order and demand drafts, at all their branches across the country from domestic and international donors. In addition, donations can also be made through digital means such as online transfers, ATM transfers, e-banking and payment cards.

Further, to facilitate donations through payment cards, SBP has directed all issuing and acquiring banks in Pakistan not to charge any service fee including interchange fee, merchant discount rate, and transaction fee on such transactions.

DONATIONS IN PAKISTAN:

The domestic donors (resident Pakistanis) may contribute in the Fund account through any of the following modes convenient to them.

State Bank of Pakistan Field Offices
The account details are as under:

Bank: State Bank of Pakistan
Title: Supreme Court of Pakistan
Account No: 03-593-299999-001-4

Counters of the Banks:

All commercial and microfinance banks in Pakistan and field offices of SBP Banking Services Corporation are collecting the donations at their counters across their branch network in Pakistan. The donors may deposit their donations at any branch of these banks.


Alternate Delivery Channels ( ADCs)

The banks have allowed their respective customers to make donations/contributions through internet banking, Automatic Teller Machines (ATM) and other Alternate Delivery Channels (ADC). For the purpose, commercial and microfinance banks are prominently displaying the IBAN of the Fund at their websites and ATMs screens, besides sending the same to their clients through SMS alerts. Subscribers of mobile phones may donate Rs.10 through SMS at 8000.

Branchless Banking

The commercial and microfinance banks offering Branchless Banking (BB) have allowed their BB agents network to collect donation/ contributions in cash only against proper receipt in electronic or paper form duly confirmed by the SMS alert. The cash collected by the BB agents will be directly credited to the Fund’s account at commercial or microfinance bank with whom the agents are attached. The receipts of the Fund shall not be subject to regulatory transaction limits and no charges will be recovered from the donors/contributors.

Donations from Abroad:

The overseas Pakistanis may contribute in the Fund through the following options: 

 Wire transfer to SBP Nostro account with NBP, New York.

The overseas Pakistanis having bank account abroad may contribute in the Fund through wire transfer/swift message. For the purpose, they would request their respective bank to remit the funds in US Dollars to the SBP Nostro account, the particulars of which are as given below.

  • Name of Payee: STATE BANK OF PAKISTAN
  • Payee's Address: I.I. CHUNDRIGAR ROAD, KARACHI, PAKISTAN
  • Payee's SWIFT Code: SBPPPKKA ABA
  • Routing Number: 026004721
  • Bank Name: NATIONAL BANK OF PAKISTAN
  • Bank Address: NEW YORK, U.S.A
  • Payee's Account No: 55854560
  • Bank SWIFT Code: NBPAUS33

The following related information will also be required to ensure expeditious transfer of donations to the Fund account with SBP.

Name and full address.
Date of birth and Place of birth.
Purpose of remittance: Contribution in the Fund for water reservoirs.
Use of the donor’s own account abroad is must for remitting the fund in the SBP Nostro account.

Transfer through Money Service Bureaus (MSBs), Money Transfer Operators (MTOs) and Exchange Houses (EHs).

The banks have been allowed to receive donations to the Fund through MSBs, MTOs (eg. Money Gram, Western Union) and EHs in line with the arrangements in place for receiving home remittances. The overseas Pakistanis may, therefore, remit their donations through MSBs, MTOs and EHs to the Fund account, being maintained at any of the commercial or microfinance bank in Pakistan using their IBANs. 

Deposit of Donations at Pakistan Missions and Embassies Abroad:

The overseas Pakistanis may deposit their contributions with the Pakistan’s Mission in the relevant country. The Ministry of Foreign Affairs has already issued necessary instructions. The donations collected will be repatriated through SBP Nostro account(s), for onward credit to the Fund account.

Deposit of Donations at Branches of Domestic Banks Abroad:
Donors can also deposit their donations at the domestic banks having their branches abroad.

Transfer through Debit/Credit Cards:

The donors can also make their contributions to the Fund through their debit/credit cards by clicking ‘Donate Now’ on this page. The transactions executed through debit/credit cards are settled by the acquiring bank in accordance with the frequency as may be agreed between the SBP and the bank.

Transfer through E-Banking:
Overseas Pakistanis, having e-banking facilities from their banks abroad, can use this functionality to remit their donations to the Fund account, being maintained at any of the commercial or microfinance bank, operating in Pakistan using their IBAN

For Contribution Through PayPal Step by Step Process:

SEND MONEY VIA XOOM:
A graphical representation of a user’s journey for making a transfer to a local Pakistani Account.

Login Option

A user can either use PayPal or Xoom credential to login. To login using PayPal click the “Continue with PayPal: option. If you want to continue with “Xoom” use the option to the left of the screen.

Choose Country of Recipient:

Enter Amount:

Choose Receiving Options(Bank/ Cash collection).

Choose Paying Option.

Beneficiary Bank (Drop Down List).

Beneficiary Detail.

Payer Details Reviews.

Authorize Payment.
 You can read this post here

PTA Will Block All Illegal and Unregistered Phones After 20, October 2018

Millions of illegal mobile handsets are at the risk of being blocked by Pakistan Telecommunication Authority (PTA) after October 20 as part of a massive drive against fake IMEIs throughout the country.

According to the PTA, illegal mobile handsets that don’t come with a valid IMEI (International Mobile Equipment Identity) number will be blocked after the expiry of the deadline.

In this regard, the telecom watchdog formally circulated an SMS recently, asking people to get their handsets verified and check if it possesses a valid IMEI number. Otherwise, it will be blocked after October 20.

It also directed users to check and match their IMEI numbers with data from PTA by sending an SMS on 8484.

Benefits of DIRBS

DIRBS has been designed to enhance government revenue by allowing devices that have been imported through proper channels. DIRBS will not only monitor devices being brought into the country in the future, but will also check the installed base of devices currently active or being sold in the channel.

Furthermore, DIRBS shall facilitate importers of legitimate devices through legal import channels. In short, DIRBS and its successful implementation will benefit the entire mobile ecosystem in Pakistan.
This is not the first time that PTA has been working on blocking of illegal, smuggled and counterfeit phones/tablets based on IMEIs. In fact PTA made similar attempts previously at least thrice in 2008, 2010 and 2013, which proved unsuccessful as IMEI of phones can be changed easily.
Alongside of maintaining the list of IMEIs of illegal, smuggled and stolen phones under DIRBS, PTA will also have to shut down all those mobile shops that offer flashing of IMEIs of mobile phones.

How to Check IMEI number of a Phone?

Now for the main thing. Checking your phone’s IMEI number is very simple. To do this:
  • Just dual *#06# from your dial pad.
  • You will get a pop-up that displays all the IMEI numbers of the phone (depending on whether you have a single SIM or dual SIM phone).
Here’s how the IMEI numbers usually look:


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 Watch this Video
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Procedure to Check IMEI

  • From Device packaging/box
  • From Device (under battery)
  • By dialing *#06# USSD command

Procedure to Verify IMEI

Complete Guide to Apply for the Naya Pakistan Housing Scheme


After Prime Minister Imran Khan’s announcement of ‘Naya Pakistan Housing Program’, the National Database Registration Authority (NADRA) has issued the registration forms for the housing project.

The pilot project has kick-started in seven districts including Islamabad, Faisalabad, Sukkur, Gilgit, Muzaffarabad and Swat. NADRA has been tasked to gather data for the housing needs of the people.
  

A Flagship Project:

PM Imran Khan, several times during his election campaign and after assuming the office, announced to build as many as 5 million low-cost houses and create 10 million jobs across five years of his term. The project which seems nearly impossible was ‘one of his ambitions for the people of the country. 

During the third week in power, the PM constituted a task force and urged it to come up with suggestions within a week. After the finalization of the procedure, the government has launched the first phase of the housing program.

According to the details, the government is responsible to provide the required land for the project and play the role of a regulator and facilitator throughout. The government will address all the hurdles and will ensure a suitable environment for public and private sectors and non-profit organizations to execute the project seamlessly. 

Provision of 6 Million Jobs:

PM Khan believes that the successful completion of the project will also create millions of jobs.

In his Twitter post on Thursday, country’s premier said the project will provide as many as 6 million jobs and create demand in 40 industries directly involved in house building & attract FDI.


Who Can Apply for Naya Pakistan Housing Program?

  • The eligibility criteria of the project allows only one person per family (husband, wife and children) to apply in this scheme.
  • Candidates who do not own any independent residential unit in Pakistan will have the privilege.
  • Homes are for the common man with monthly income around Rs10,000-25,000.
  • Candidates will deposit PKR 250 along with this registration form.
  • The housing authority will decide the housing specification including design, price and site for the applicants based on the data provided in the forms.

How to Apply for Naya Pakistan Housing Program?

The registration forms are now available on NADRA’s website and can be downloaded from there. The applicants can submit the form at the selected district offices within two months (from October 22 to December 21) along with registration fee of Rs 250. List of the offices is given below.

Registration forms can be submitted in the following offices:
FAISALABAD: DC Office Faisalabad

Monday, 24 September 2018

Samsung to Launch Triple Camera Galaxy A7

Samsung is reportedly holding an event today in Karachi where the company might be launching the latest addition to A series, Galaxy A7 2018 which will also be company’s first phone to come with a triple camera setup on its back.
The device has already been announced globally by the Korean giant while the regional releases will follow soon. It is also set to launch in India tomorrow which strongly hints that the phone could get launched today in Pakistan.
The triple camera, being the major highlight, got its recognition with the Huawei P20 Pro and now Samsung is entering this market where mobile photography holds a mile-stone importance and eyes to rival the triple camera flagship from its competitor, Huawei.
Its predecessor, Galaxy A7 2017 was launched around Rs.55000 but came with a lower spec sheet, including a single camera. So we expect the Galaxy A7 2018 to launch at approximately Rs. 60,000 or more.
It will have all the contemporary trendy features like a big screen and a narrow aspect ratio for better handling. However, Samsung has still not embraced the notch which might be refreshing for notch haters to see.
The device will have a premium glass design and sport a 6-inch Super AMOLED display, an octa-core processor clocked at a frequency of 2.2GHz accompanied by 6GB of RAM and128GB of internal storage.
The triple camera will be aligned vertically on the top left rear corner and will include a 24MP main sensor with f/1.7 which will improve the quality of the image by combining four pixels in one in low light conditions.
Along with the main sensor will be a 5MP depth sensor with a f/2.2 aperture for giving your images a better bokeh effect. The third lens will be an 8MP ultra-wide sensor with a f/2.4 aperture in order to capture photos with 120 degrees field of view.
Seeing the pictures of the device, you might wonder about the fingerprint scanner. Samsung has put the scanner in a rather peculiar place, side of the phone. However, we are yet to see its usability in real life.

Punjab Police E-Challan system goes Online.



Punjab Safe City Authority (PSCA) in collaboration with the Punjab Police introduces the E-Challan system. 
The extent of working efficiency of this system has already been tested through the trial run in Lahore. The system will now be operational officially in the entire city from September 24, 2018.
Any violation including over-speeding, wrong u-turns, breaking the signals and ignoring traffic signs would be monitored by the authorities with the help of CCTV cameras installed throughout the city.
Upon detection of violation of rules, an e-ticket fine will be generated by the system which later on will be sent to the violator via courier service. What would be the authentication of the e-ticket being sent to the right person for the right violation?
To eliminate any mistake during the process of sending e-ticket, the picture of the number plate of the vehicle under violation will also be attached with the challan.

Moreover, the photo of that particular incident of violation of traffic rules will be sent along with the e-ticket challan to the violator.
This will be helpful in determining the place of incident and confirmation of the violation to the person being charged.

E-Challan system is made in a way that it stores all the previous record of the violators with the date and place of incident. Any vehicle of a person that is detected violating the rules over and over again will be confiscated by the Punjab Police.
The vehicle will be released upon payment of all previous e-challans issued. The “Provincial Motor Vehicle Ordinance 1965” allows the vehicle to be confiscated upon irresponsible behavior while driving.
Therefore, the violator will not be able to challenge the decision once all the due payment is paid. What if somebody else is driving your vehicle and violates the traffic rules? Who will be charged for this particular violation? The answer to this question is that the vehicle owner will be charged on rules violation by anybody driving their vehicle. The e-challan will be sent at the address of the vehicle’s owner, the one considered responsible for the incident. 
Therefore, all the owner of vehicles must be aware of this fact from now onwards. The Police emergency helpline number 15 will be available for any inquiry related to the system.
This is a very positive step by the government in regulation and implementation of traffic rules in the city. Violators of traffic rules who have previously escaped from the police wardens will be brought under the rule by this electronic challan system. 
Any person trying to violate traffic rules will have to think twice before he/she makes a move. It will also create more sense of traffic rules among the people of Lahore where traffic has increased significantly over the past few years. 
The system promises to bring down the number of daily road accidents due to the violation of rules. The system is particularly a positive move regarding the safety of everyone on the road.

Let’s hope the system works with positive results and makes its way in other cities of Pakistan soon. The residents of Lahore need to drive carefully from 24thSeptember onwards.

What do you think of this newly implemented e-challan system? Let us know in the comments section below. Source

Sunday, 23 September 2018

Pakistan needs to do things against India #PakVInd

The second clash between arch-rivals Pakistan and India is today, but before the green shirts take the field against India in Dubai, there are a few things the national side needs to revise.

Work on their fielding:

For as long as anyone can remember Pakistan’s downfall has been its fielding.
If there was anything the match against Afghanistan taught us, it was that our fielding needs some major work.
The opening overs of the match saw the Pakistan side drop five catches, which proved to be a turning point in the game as Afghanistan went on to score 257 and debutant Shaheen Shah Afridi missed a chance to pick five wickets.

Skipper need to step up:

Pakistani cricket captain Sarfraz Ahmed has so far failed to make a mark in the ongoing Asia Cup. With a batting average of just over 14 since last year's Champions Trophy in England, Sarfraz has managed to score eight off 12  in the game against Afghanistan while scoring six runs against India.

Solid opening Partnership:

Before the tournament got underway, if there was one name that the entire Pakistani nation had its hopes pinned on to it was opener Fakhar Zaman.

The batsman had an incredible series against Zimbabwe where he scored a double century and smashed a few records on the way to thump Zimbabwe. However, so far Fakhar has failed to make a mark in the tournament.

In the three games that he had played so far,  Fakhar has scored a duck in the last two games against India and Afghanistan, while chipping in with 24 in a low-scoring game against Hong Kong.

A solid opening partnership with Imam-ul-Haq who has so far proven why he belongs in the team could be a game changer for Pakistan.

Dependent middle order:

Shoaib Malik unbeaten 50 along with Babar Azam’s 66 were what saved the game for men in green shirts against Afghanistan on Friday night. However, a one-off performance is not something that can help the team in the long run.

Against India, Pakistan’s middle-order once again gave a questionable performance with Malik and Azam scoring 47 and 43 before the rest of the tail crumbled fro 163.

Not give into pressure:

Pakistan head coach Mickey Arthur while speaking to the media after the loss against India had blamed his team's heavy loss on the batsman saying, "They could not handle the pressure and played well "outside" of their roles."

He further added, “It was the pressure that got to Imam, out of his role, he had two off eight but Fakhar had just faced a maiden. He tried to have a go, he tried to hit the ball that’s not in his area. I do think there was a little bit of pressure.”

Not being able to able to stay on the crease for more than a few overs and playing aggressively and giving away wickets away cheaply in high voltage matches is something Pakistan needs to work on.

Pakistan is Now the 11th Largest Producer of Broiler Chickens Worldwide

Pakistan produces over 1.2 billion broiler chickens annually, and has become 11th largest producer in the world,

said the Founder chairman of Pakistan Poultry Association (PPA) Khalil Sattar.

Chicken, once considered a luxury, has now become the cheapest source of animal protein in the country,” he added in a statement.
He said that these days, chickens’ diet mostly constitutes of corn, broken rice, wheat bran, corn by-products, oil seed meals, vegetable oil, etc. Sattar denied that local poultry industry is using hormones saying,
The weight gain of broilers in the US is far greater than what it is in Pakistan without using any hormones. On the basis of rapid weight gain, the consumers would jump to the conclusion that they are fed hormones. If it were so, firstly, the FDA would lodge criminal cases against the producers, besides, the consumer would file suits of billions of dollars against such producers.
The US, Brazil and Argentine produce feed with much higher energy content than that is produced in Pakistan, because of the low price of edible oils and feed grains.
The PPA Chairman, giving an example, said that a broiler chick gains more than two kilograms of weight in five weeks, while it takes about six weeks to gain the same weight in Pakistan.
He said he had not come across any publication showing any benefit of feeding hormones to the chicken. But, local chicken has the same genetic package as is available in the US, Europe, India, Brazil, Argentine, China, and elsewhere in the world.

Saturday, 22 September 2018

As new iPhones go on sale, studies reveal chips from Intel and Toshiba


Apple Inc’s latest iPhones hit stores around the world on Friday, featuring components made by Intel Corp and Toshiba among others, according to two firms that cracked open the iPhone Xs and Xs Max models.

The studies by repair firm iFixit www.ifixit.com/Teardown/iPhone+XS++and+XS+Max+Teardown/113021 and chip analysis firm TechInsights here, published this week, are among the first detailed teardowns of the phones, which reviews suggested were a subtle upgrade from the tenth anniversary iPhone X.
Supplying parts for Apple’s iPhones is considered a coup for chipmakers and other manufacturers. While Apple publishes a broad list of suppliers each year, it does not disclose which companies make which components and insists its suppliers keep quiet.
That makes teardowns the only way of establishing the breakdown of parts in the phones, although analysts also recommend caution in drawing conclusions because Apple sometimes uses more than one supplier for a part. What is found in one iPhone may not be found in others.
Apple could not immediately be reached for comment.
The breakdowns listed no parts from Samsung and no chips from Qualcomm Inc.
Samsung in the past has supplied memory chips for Apple’s iPhones and was believed by analysts to be the sole supplier of the costly displays for last year’s iPhone X.
Qualcomm has been a supplier of components to Apple for years, but the two have been locked in a wide-ranging legal dispute in which Apple has accused Qualcomm of unfair patent licensing practices.
U.S.-based Qualcomm, the world’s largest mobile phone chipmaker, has in turn accused Apple of patent infringement.
Qualcomm said in July that Apple intended to solely use “competitor’s modems” in its next iPhone release.
The iFixit teardown showed iPhone Xs and Xs Max used Intel’s modem and communication chips instead of Qualcomm’s hardware.
The latest iPhones also had DRAM and NAND memory chips from Micron Technology and Toshiba, according to iFixit’s study. Previous teardowns of the iPhone 7 had shown DRAM chips made by Samsung in some models.
TechInsights’ dissection of a 256-gigabyte storage capacity iPhone Xs Max, on the other hand, revealed DRAM from Micron but NAND memory from SanDisk, which is owned by Western Digital Corp and works with Toshiba for its supply of NAND chips.
Toshiba’s chip unit Toshiba Memory was purchased by a private equity-led consortium earlier this year that Apple joined.
In the past, TechInsights found Apple used different DRAM and NAND suppliers in the same generation of phones.
“For memory – Apple obviously competes with Samsung and wants to reduce their reliance as much as possible – so totally consistent that we’d see Toshiba for NAND flash storage and Micron for DRAM,” Morningstar analyst Abhinav Davuluri said.
Jim Morrison, vice president of TechInsights, said in an interview that it appeared that one of Dialog Semiconductor’s chips had been replaced in the iPhone Xs Max by one of Apple’s own chips, but it was not yet known whether that also applied to the iPhone Xs.
Dialog declined to comment. In May, the company said Apple had cut orders for its chips.
IFixit and TechInsights technicians also found components from companies including Skyworks Solutions, Broadcom, Murata, NXP Semiconductors, Cypress Semiconductor, Texas Instruments and STMicroelectronics. Source

Google CEO denies efforts to tweak search results

Google’s Chief Executive Sundar Pichai denied reports of efforts to politically bias the company’s internet search results.
The Wall Street Journal citing internal emails reported on Thursday that the company’s staff discussed ways to alter search functions to counter the Trump administration’s 2017 travel ban.
The Journal’s report said Google did not go through with the ideas that were brainstormed.
According to Axios, Pichai wrote an email to “Googlers” saying an internal email to suggest the company would compromise the integrity of its search results for a political end were “absolutely false”.
“It’s important to me that our internal culture continues to reinforce our mission to organise the world’s information and make it universally accessible and useful. Recent news stories reference an internal email to suggest that we would compromise the integrity of our search results for a political end,” Pichai was quoted as saying by Axios. Source

Thursday, 20 September 2018

Xiaomi Mi 8 Pro and Mi 8 Lite debut


The higher-end device named Mi 8 Pro and seems destined to become the international version of the Mi 8 Explorer. It comes with a pressure-sensitive screen fingerprint scanner, but swaps the 3D structure Face unlock for an IR face unlock and ads two more colors - Blue and Gold (while also being offered with the transparent back the Mi 8 Explorer comes in).

The Xiaomi Mi 8 Pro comes with 6GB and 8GB of RAM, and not just 8GB as the Explorer edition.

Moving on, the Xiaomi Mi 8 Pro has a 6.21-inch 1080x2248px OLED display, a Snapdragon 845 chipset, a 12MP f/1.8 + 12MP f/2.4 main camera and a 20MP front-facing camera.

The Xiaomi Mi 8 Lite uses a 6.26-inch LCD, Snapdragon 660 chipset, a 12MP + 5MP rear camera, a higher-res 24MP selfie camera and a 3,350mAh battery

Unlike the Mi 8 Pro, the Mi 8 Lite has a standard fingerprint scanner on the rear. It comes in two gradient color finishes - Blue and Purple as well as Orange and Yellow.


Both new Xiaomi phones will go on pre-sale on September 19. The Mi 8 Pro will be priced CNY 3,200 (€400) for the 6GB/128GB model and CNY 3,600 (€450) for the range-topping 8GB/128GB and will start shipping on September 21.

The Xiaomi Mi 8 Lite will go for CNY 1,400 (€175) for the 4GB/64GB model, CNY 1,700 (€210) for the 6GB/64GB and CNY 2,000 (€250) for the 6GB/128GB model. They start shipping on September 25.

Sunday, 16 September 2018

You Can Now Fill Out Your Tax Returns Offline With FBR’s App


Federal Board of Revenue (FBR) has launched an offline application enabling taxpayers to prepare their Income Tax Return and Wealth Statement, without using the Internet, to resolve connectivity issues often faced by the taxpayers.

The application, called Iris-ADX (Asynchronous Data Exchange), has been prepared and launched by the Information Technology (IT) Wing of the FBR to facilitate the taxpayers.

The application allows the taxpayer/E-intermediary to prepare data related to Income Tax return and wealth Statement in Offline mode. This application will help taxpayers to prepare Income Tax Return and Wealth Statement without using the internet, overcoming the issue of connectivity they face locally and during the peak hours.

After preparing the statements in offline mode, the same can be uploaded to FBR’s repository seamlessly.

Previously, the application allowed a taxpayer/E-intermediary to prepare data related to Sales Tax returns including sales invoices, debit/credit notes and sales tax withholding, in offline mode. FBR had promised an upgrade in the coming months which would enable the application to be used by the common taxpayers.

You can download the application from here.

Saturday, 15 September 2018

SBP Ordered Banks to Keep Foreign Currencies in Stock For Patients Going Abroad


State Bank of Pakistan (SBP) directed all banks to maintain adequate stock of major currencies in designated branches in order to facilitate customers traveling abroad for the purpose of medical treatment or getting education.

It is pertinent to mention here that banks may remit foreign exchange up to US$ 50,000/- or equivalent in other foreign currencies on account of the medical treatment of resident Pakistanis only after satisfying themselves about bona fides of the transaction. Remittances should be sent directly to the account of concerned reputable foreign Hospital via SWIFT, telegraphic transfer or demand draft after obtaining the required documents.

Banks may also remit foreign exchange to educational institutions abroad on behalf of students desirous of studying in accredited and recognized foreign institutions/ universities up to US$ 70,000/- or equivalent in other foreign currencies per student per calendar year on account of application/processing charges, tuition fee, living expenses etc. in accordance with the procedure explained in detail.

SBP said that banks should display information regarding the provision of foreign services for medical treatment/ studies abroad at a prominent place at each authorized branch.

Brochures containing information regarding services related to medical treatment/studies abroad may be made available at all branches. However, such information must be placed at official websites of the banks along with the list of branches providing such services. Further, such list should also be available at all branches of the banks for the guidance of customers.
The officials dealing with such services should be trained/ made acquainted with the existing foreign exchange rules and regulations governing individual foreign exchange needs.
SBP advised banks to ensure the required measures under these instructionsimmediately. Failure to comply with the above instructions shall attract regulatory action against the concerned banks under relevant provisions of the Foreign Exchange Regulation Act, 1947.