Raast Youth Saving Account

Deposit in Raast Youth Saving Account (PLS- Profit or Loss Sharing Account) are accepted under PKR on Musharaka basis strictly in conformity with the principles of Islamic Shariah under the general pool of investment account holders. The deposits received in Raast Youth Saving Accounts are invested in Islamic assets like Murabaha, Ijarah, Diminishing Musharaka or Islamic Sukuks etc which are duly approved by Shariah Board. The profit is calculated on average daily balance and credited to customers on monthly basis.


  • Individuals at the age of an applicant (18 Years up to 25 Years)
  • Minimum initial deposit requirement is Rs.10/-
  • No minimum Balance requirement 
  • **First ATM/Debit Card (Free of Cost)
  • **First Cheque book of 25 leaves (Free of Cost)
  • **No annual fee charges on ATM/Debit Card until age of 25 Years 
  • Free SMS alerts on each transaction.
  • Free Online withdrawal and deposit.
  • No account closure Charges.
  • No withdrawal and deposit limitation.
  • On request, free one bank statement per month
  • Free DD/PO in favour of Universities/ Education Boards/ Schools/ colleges/ Educational Institutions etc. in Pakistan, irrespective of the amount.


Special Incentives for Gold Medalist (for Bachelor’s Degree and Master Degree Holders from HEC recognized Universities)

  • Life time free ATM/Debit Card Issuance 
  • Life time free cheque book (25 leaves per Year)
  • Life time free ATM/Debit card annual service charges 
  • For Gold Medalist Conditions Apply: Account must be maintained minimum 01 year before result announcement under this scheme.

Note: **Upon attaining the age above 25 years or change in status of applicant whichever comes first, service charges shall be applicable as per Schedule of Service Charges- Islamic.


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