2021

• BC&CPD Circular No. 07 of 2021
  Dispute Resolution Mechanism for Licensed Credit Bureaus
• BC&CPD Circular No. 06 of 2021
  Master Circular on Electronic Credit Information Bureau (ECIB) of State Bank of Pakistan
• BC&CPD Circular No. 05 of 2021
  Policy for Financial Inclusion of Persons with Disabilities (PWDs)
• BC&CPD Circular No. 04 of 2021
  Reflection Of Two Years History In Consumer/Individual Borrowers' ECIB Reports
• BC&CPD Circular No. 03 of 2021
  Call Center Management
• BC&CPD Circular No. 02 of 2021
  Collection of Digital Banking Frauds/Attempted Frauds Information through Call Centers
• BC&CPD Circular No. 01 of 2021
  PENSION PAYMENT THROUGH DIRECT CREDIT SYSTEM (DCS)
  
  
  

2020

• BC&CPD Circular Letter No. 02 of 2020
  Reporting of Written off/Waived off Loans and Advances of Corporate Borrowers to eCIB of State Bank of Pakistan (SBP)
• BC&CPD Circular No. 02 of 2020
  Key Fact Statement for Deposit Products
• BC&CPD Circular No. 01 of 2020
  Accessible Banking Infrastructure for Differently-Abled Persons
  
  
  

2019

• BC&CPD Circular Letter No. 01 of 2019
  Discrimination in Provision of Financial Services - Display of Contact Details of Focal Persons
  
  
  

2018

• BC&CPD Circular Letter No. 01 of 2018
  Priority to Senior Citizens, Pensioners and Special Persons in Availing Banking Facilities
• BC&CPD Circular No. 02 of 2018
  Guidelines on Prohibited Banking Conduct
  
• BC&CPD Circular No. 01 of 2018
  Guidelines on Call Center Management at Banks

2017

• BC&CPD Circular Letter No. 04 of 2017
  Establishment of Dedicated Helpline for Banking Consumers
• BC&CPD Circular Letter No. 03 of 2017
  Validity of Pension Payment through Direct Credit System (DCS)
• BC&CPD Circular Letter No. 01 of 2017
  Timeliness of Pension Payments through Direct Credit System
• BC & CPD Circular No. 01 of 2017
  Know Your Rights and Responsibilities as a Bank's Consumer
  
  
  

2016

• BC & CPD Circular Letter No. 03 dated June 30, 2016
  Physical Verification For Direct Credit Mode Of Pension Payments
  
  
• BC & CPD Circular Letter No. 02 dated June 01, 2016
  Discriminating Senior Citizens And Pensioners In Availing Banking Facilities
  
  
• BC & CPD Circular Letter No. 01 dated January 18, 2016
  Validity of Pension Payment Through Direct Credit System (DCS)
  
  
• BC & CPD Circular No. 02 dated June 14, 2016
  Product Disclosure Requirements
  
  
• BC & CPD Circular No. 01 dated February 29, 2016
  Consumer Grievances Handling Mechanism (CGHM)
  
  
  

2015

• CPD Circular No. 02 dated July 27, 2015
  Guidelines of Business Conduct For Banks
  
  
• CPD Circular No. 01 dated January 26, 2015
  Guiding Principles on Fairness of Service Charges
  
  
• BC & CPD Circular Letter No. 02 dated December 04, 2015
  Facilitation Measures for Pensioners
  
  
• CPD Circular Letter No. 01 dated November 02, 2015
  Provision of CIB Information to Consumer Complainants
  
  
  

2014

• CPD Circular No. 06 dated December 05, 2014
  Guidelines for Banking Service to Visually Impaired/Blind Persons
  
  
• CPD Circular No. 05 dated October 17, 2014
  Strengthening of Internal Controls for Processing of Payment Orders / Demand Drafts / Cash Deposit Receipts/ Banker?s Cheques
  
  
• CPD Circular No. 04 dated August 29, 2014
  Financial Consumer Protection
  
  
• CPD Circular No. 03 dated February 20, 2014
  Introduction of Credit Card Summary Box
  
  
• CPD Circular No. 02 dated February 13, 2014
  Accessible Banking Infrastructure for Special Persons
  
  
• CPD Circular No. 01 dated January 30, 2014
  Enhancement of security features in cheques
  
  
• CPD Circular Letter No. 06 dated July 04, 2014
  eCIB Service Charges
  
  
• CPD Circular Letter No. 05 dated May 20, 2014
  Enhancement of Security Features in Cheques
  
  
• CPD Circular Letter No. 04 dated April 11, 2014
  Customer Facilitation Centres to Reduce Concerns / Grievances of Depositors & Borrowers
  
  
• CPD Circular Letter No. 03 dated March 31, 2014
  Enhancement of security features in cheques
  
  
• CPD Circular Letter No. 01 dated February 07, 2014
  Utility Bills Collection by Banks
  

2013

• BPRD Circular No. 07 dated September 27, 2013
  MINIMUM RATE OF RETURN ON SAVING DEPOSITS AND SBP REPO RATE
  
  
• CPD Circular No. 03 dated May 21, 2013
  SUBMISSION OF ZAKAT DECLARATION FORM CZ–50
  
  
• CPD Circular No. 2 dated May 09, 2013
  REQUISITION FOR CHEQUE BOOK
  
  
• BPRD Circular No. 01 dated March 15, 2013
  MINIMUM RATE OF RETURN ON SAVING DEPOSITS
  
  
• BPRD Circular Letter No. 03 dated March 12, 2013
  ACCEPTANCE OF PAKISTAN SMART NATIONAL IDENTITY CARD ISSUED BY NADRA
  
  

2012

• CPD Circular No.2 dated June 29, 2012
  SALE OF THIRD PARTY PRODUCTS BY BANKS
  
  
• BPRD Circular No. 01 dated April 13, 2012
  MINIMUM RATE OF RETURN ON SAVING DEPOSITS
  
  
• CPD Circular Letter No. 1 dated February 07, 2012
  PROCEDURE FOR REFUND OF UNCLAIMED DEPOSIT SURRENDERED TO SBP
  
  

2011

• BPRD Circular No. 12 dated October 19, 2011
  SERVICE CHARGES ON ACCOUNT OF HANDLING/SORTING OF CASH DEPOSIT OR WITHDRAWAL AT COUNTERS OF BANK BRANCHES
  
  
• BPRD Circular Letter No. 20 dated August 29, 2011
  OPENING OF ACCOUNTS ON THE BASIS OF NADRA RECEIPT/ TOKEN IN CASE OF EXPIRED CNICs
  
  
• CPD Circular No. 02 dated July 02, 2011
  INTERNAL CONTROL PROCEDURES FOR CHEQUE PAYMENTS
  
  
• BPRD Circular No. 07 dated May 27, 2011
  SERVICE CHARGES ON PLS DEPOSIT ACCOUNTS
  
  
• CPD Circular No. 1 dated March 26, 2011
  APPEALS TO GOVERNOR SBP AGAINST THE DECISION OF BANKING MOHTASIB
  
  
• BPRD Circular Letter No. 06 dated March 24, 2011
  ISSUANCE OF E-STATEMENT OF ACCOUNT TO CREDIT CARD HOLDERS

2010

• BPRD Circular Letter No. 27 dated November 11, 2010
  SERVICE CHARGES ON PLS DEPOSIT ACCOUNTS
  
  
• BPRD Circular Letter No. 25 dated November 04, 2010
  PENSION DISBURSEMENT THROUGH BANKS
  
  
• PSD Circular Letter No. 4 dated October 22, 2010
  GUIDELINES FOR RETAINED / DISABLED CARDS ON ATMs - SPECIAL INSTRUCTIONS FOR WATAN CARDS
  
  
• CPD Circular Letter No. 1 dated September 27, 2010
  DISPUTE RESOLUTION THROUGH MEDIATION
  
  
• PSD Circular Letter No. 3 dated September 6, 2010
  MANAGEMENT OF ATMs DURING EID HOLIDAYS
  
  
• BPRD Circular Letter No. 21 dated August 12, 2010
  DEDUCTION OF INSURANCE PREMIUM AND OTHER CHARGES IN EXCESS OF ACTUAL COST OR THE AMOUNT PAID TO SERVICE PROVIDERS
  
  
• BPRD Circular Letter No. 18 dated August 10, 2010
  AWARENESS AMONG CLIENTS / CUSTOMERS OF BANKS ABOUT THE BANKING MOHTASIB PAKISTAN
  
  
• BPRD Circular No. 06 dated May 17, 2010
  VERIFICATION OF ACCOUNTS / BANK STATEMENTS OF STUDENTS APPLYING FOR FOREIGN EDUCATION
  
  
• BPRD Circular Letter No. 05 dated February 25, 2010
  DEDUCTION OF INSURANCE PREMIUM AND OTHER CHARGES IN EXCESS OF ACTUAL COST OR THE AMOUNT PAID TO SERVICE PROVIDERS
  
  
• BPRD Circular Letter No. 02 dated January 25, 2010
  EXEMPTION OF SCHOOL MANAGEMENT COMMITTEE ACCOUNTS FROM LEVY OF SERVICE CHARGES
  
  
• BPRD Circular No. 02 dated January 05, 2010
  ISSUANCE OF STATEMENT OF ACCOUNT TO ACCOUNT HOLDERS
  
  

2009

• BPRD Circular Letter No. 37 dated December 3, 2009
  MASTER CIRCULAR - UNCLAIMED DEPOSITS

• BPRD Circular Letter No. 31 dated October 12, 2009
  DISHONORING OF CHEQUES
  
  
• BPRD Circular No.15 dated October 12, 2009
  BANKING SERVICES FOR THE VISUALLY IMPAIRED PERSONS
  
  
• BPRD Circular Letter No. 25 dated August 26, 2009
  COLLECTION OF UTILITY BILLS
  
  
• PSD Circular No. 1 dated January 17, 2009
  OPERATIONAL GUIDELINES FOR CREDIT CARD BUSINESS IN PAKISTAN
  
  

2008

• BPRD Circular No. 13 dated November 03, 2008
  FAIR DEBT COLLECTION GUIDELINES
  
  
• BPRD Circular Letter No. 33 dated November 13, 2008
  Pricing of Lending Products and Loan Documentation
  
  
• BPRD Circular Letter No. 31 dated Oct 26, 2008
  Customer Facilitation Centres to Reduce Concerns/Grievances of Depositors & Borrowers
  
  
• BPRD Circular No. 2 dated March 31, 2008
  BRANCHLESS BANKING REGULATIONS FOR FINANCIAL INSTITUTIONS
  
  
• PSD Circular No. 1 dated January 15, 2008
  GUIDELINES FOR RETAINED / DISABLED CARD ON ATMs
  
  

2007

• BPRD Circular Letter No. 06 dated Mar 14, 2007
  Service Charges on the Collection of Fees of Educational Institutions
  
  
• PSD Circular No. 2 dated September 07, 2007
  OPERATIONAL GUIDELINES ON ATMs
  
  
• BPRD Circular No. 09 dated July 13, 2007
  GUIDELINES ON OUTSOURCING ARRANGEMENTS
  
  
• BPRD Circular No. 05 dated June 05, 2007
  SECURITY STANDARDS FOR ENHANCEMENT OF SECURITY OF THE LOCKERS
  
  

2006

• BPRD Circular No. 14 dated October 12, 2006
  Recovering Penalty Amount Imposed By State Bank of Pakistan from Customers
  
  
• BPD Circular No. 11 dated August 1, 2006
  Customers’ Prior Consent for Availing Any Insurance or Other Product /Service
  
  
• BPD Circular No. 06 dated July 14, 2006
  Disclosure of Lending / Deposit Rates by Banks/DFIs
• BPRD Circular No. 07, 2006 dated July 21, 2006
  MASTER CIRCULAR ON UNCLAIMED DEPOSITS
  
  
• PSD Circular No. 1 dated April 06, 2006
  GUIDELINES FOR STANDARDIZATION OF ATM OPERATIONS
  
  

2005

• BPD Circular No. 30 dated November 29, 2005
  Introduction of Basic Banking Account
  
  
• BPD Circular Letter No. 22 dated Jun 14 , 2005
  Dishonouring of Cheques Stop Payment Instructions
  
  
• BSD Circular No. 8 dated December 12, 2005
  INFORMATION SYSTEMS: GUIDELINES ON AUDITS AND SYSTEM SWITCHOVER PLANNING
  
  
• PSD/DIR/Policy Guidelines/110/102/81 dated December 05, 2005
  GUIDELINES FOR CARD HOLDERS
  
  
• BPRD Circular No. 31 of November 29, 2005
  GUIDELINES FOR HIGHER EDUCATION FINANCING SCHEME
  
  
  
• BSD Circular No. 1 dated January 19, 2005
  REPORTING REQUIREMENTS ON FRAUDS/FORGERIES/DACOITIES
  
  

2004

• BSD Circular No. 15 dated September 29, 2004
  GUIDELINES ON INFORMATION TECHNOLOGY SECURITY
  
  
• BPD Circular No. 17 dated June 07, 2004
  GUIDELINES IN DEALING WITH CUSTOMER COMPLAINTS
  
  
• BSD Circular No. 7 dated May 27, 2004
  GUIDELINES ON INTERNAL CONTROLS
  
  

2003

• BPD Circular No. 16 dated May 3, 2003
  GUIDELINES FOR APPOINTMENT / DESIGNATION OF COMPLIANCE OFFICER
  
  
• BSD Circular No. 2 dated February 14, 2003
  GUIDELINES FOR MOBILE BANKING OPERATIONS OF MICROFINANCE BANKS/ INSTITUTIONS