The Bank of Punjab
The Bank of Punjab (BOP) is a major Pakistani bank owned by the Government of Punjab (majority stake), with a large branch network especially across Punjab. It offers conventional and Shariah-compliant (BOP Taqwa) banking, and is active in consumer, agriculture and government-scheme financing. This page covers BOP's accounts, cards, financing, digital banking, helpline and contact details.
Bank of Punjab Accounts and Deposits
BOP offers a range of current and savings accounts, including simplified Asaan Accounts, salary and pensioner accounts, and term deposits. Profit on savings and term deposits is paid at rates reviewed periodically, so confirm the current rate and minimum balance before opening.
Debit and Credit Cards
BOP issues debit cards (including a freelancer/PSEB debit card) and Mastercard credit cards in Corporate, Business and World Elite variants, with rewards and instalment options. Review the schedule of charges for fees and mark-up before applying.
Bank of Punjab Loans and Financing
- Personal loan: Advance Salary Personal Loan, Smart Advance Cash, and Soney Pe Suhaga (financing against gold).
- Car / auto finance: Car Lease (CarGar) and Roshan Apni Car for overseas Pakistanis.
- Home finance: Apna Ghar House Financing, the subsidised Mera Pakistan Mera Ghar low-cost housing scheme, and Roshan Apna Ghar.
- Agriculture finance: the CM Punjab Kissan Card, Kissan Dost (production loan, tractor and livestock lease) and agri-vehicle lease.
The approved amount, mark-up/profit rate, fees and tenure depend on your income and credit profile and are confirmed by the bank at application.
BOP Taqwa Islamic Banking
Through BOP Taqwa, the bank offers Riba-free, Shariah-compliant deposit accounts and Islamic auto and home finance, supervised by a Shariah board.
Digital Banking: digiBOP Mobile App
Customers manage their accounts through the digiBOP mobile app and internet banking, with balance checks, fund transfers, bill payments, mobile top-ups and card controls.
Bank of Punjab Helpline and Head Office
BOP's helpline is (042)-111-267-200 (also 021-111-267-200; head office UAN 111-200-100; credit cards 111-297-200). The head office is in Lahore (BOP Tower, Main Boulevard, Gulberg III). Use the branch and ATM locator on the official website to find your nearest location.
Frequently Asked Questions
What is the Bank of Punjab helpline number? The helpline is (042)-111-267-200 or 021-111-267-200 (head office UAN 111-200-100).
Who owns the Bank of Punjab? BOP is majority-owned by the Government of Punjab, Pakistan.
What is the BOP mobile app? The digiBOP mobile app for mobile and internet banking.
What financing does BOP offer? Advance Salary and personal loans, car finance (CarGar), home finance (Apna Ghar, Mera Pakistan Mera Ghar) and agriculture financing (Kissan Card, Kissan Dost).
Does BOP offer Islamic banking? Yes — through BOP Taqwa, with Shariah-compliant accounts and financing.
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Establishment and Legal Identity
The Bank of Punjab, commonly known by its abbreviation BOP, is a financial institution operating in Pakistan. Its official legal name is The Bank of Punjab.
The bank was formally established in 1989. Its creation was mandated under a specific provincial law, The Bank of Punjab Act, 1989, enacted by the Government of the Punjab.
Operating Status and Public Role
In 1994, The Bank of Punjab was granted the status of a scheduled bank by the State Bank of Pakistan, the country's central bank. This designation formally integrated it into the national banking system.
The institution is defined as a public-sector, provincially linked bank. This unique status distinguishes its operational framework and public role from that of standard private commercial banks operating within Pakistan.
Operating Status and Public Role
In 1994, The Bank of Punjab was granted the status of a scheduled bank by the State Bank of Pakistan, the country's central bank. This designation formally integrated it into the national banking system.
The institution is defined as a public-sector, provincially linked bank. This unique status distinguishes its operational framework and public role from that of standard private commercial banks operating within Pakistan.
Client Segments and Banking Services
The Bank of Punjab provides a range of financial services catering to a diverse client base. Its operations are structured to serve multiple segments of the economy, from large corporations to individual consumers.
The bank's functions include serving the corporate and investment banking sectors. It also maintains a significant focus on the commercial banking segment, providing financial facilities for established businesses.
In addition to its corporate and commercial activities, the bank extends its services to Small and Medium Enterprises (SMEs), the agriculture sector, and the general consumer market.
Services
Contact Information
MM Tower, 3rd Floor, 28-A, Block-K, Gulberg II, Lahore 54000, Pakistan
111-266-266