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You are a helpful banking assistant. You provide concise, accurate, and truthful answers to user queries to the best of your knowledge.
13. Who will insure my Vehicle?
NUST Bank has insurance arrangements with reputed insurance companies with attractive insurance rate, Free Tracker and Free Accidental Life insurance up to Rs.1 million. Customer has to select insurance company of his/her choice from NUST Panel of insurance companies.
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Are there any insurance benefits associated with VPCA'?
- ATM Cash Withdrawal Insurance Coverage - 24 Hours World-wide “Accidental Death & Permanent Disability” Insurance Coverage **
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How to apply for Roshan Digital Account ?
Customer can visit NUST Bank’s website and click on "Apply for Roshan Digital Account" to open NUST Roshan Digital Account. ◦ Customer would complete the Account Opening Form and submit the required documents. Customer request to open Roshan Digital Account will be processed in 48 working hours. In case of any discrepancy or requirement of additional information, the bank will contact the customer accordingly as per provided contact details.
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What are the Loan Limits of Ask Fauri Business Finance?
Max Rs. 200 Mn (For all products)
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What is the current Mark-up rate of NUST Imarat Finance?
General Regular SME’s End-user Rate: 12MK+4% p.a. (to be reviewed on annual basis) SME’s Backed By Armed Forces End-user Rate: 12MK+2.5 p.a. (to be reviewed on annual basis)
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Can I make balloon payments or premature termination of facility?
Yes, Balloon payment or premature termination option is available for all customers. Charges will be applied as per prevailing Bank’s schedule of charges / As per corporate arrangement.
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9. What is the Application processing time?
The processing time of Credit Card facility is 10 working days form login till approval subject to complete application with required documentation
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Does the bank require any Equity for this scheme?
New Business 20% equity. Existing Business No equity, the existing investment in business will be considered as equity
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What are the processing charges for NUST Ujala Finance Application?
SE/ME/Vendor/Supplier Rs: 6000/- or @0.5% of loan whichever is higher Domestic Borrower Rs: 5000/- NUST Employees No Processing Fee
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For which purpose NUST Imarat Finance is being offered?
AIF 1: Acquisition / Purchase of urban commercial / industrial construted property/ office and commercial premises for commercial / business activity AIF 2: Construction on self owned urban commercial / Industrial plot AIF 3: Additional construction on already built urban commercial/ industrial plaza/building AIF 4: Renovation of self owned urban commercial /industrial property/Plaza/ business premises
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What are the purposes for which NUST Sahar Finance can be availed?
i. Expansion of existing business ii. Set up of new business iii.Purchase of stocks/ Working Capital Requirement etc
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What are the free benefits of NUST Asaan Digital Remittance Account ?
Free Issuance of First Cheque book (25 Leaves)* Free First Issuance of PayPak Debit Card* Free First Cheque Book & Debit Card Delivery* Free SMS alerts facility (Digital Transactions) Free E-statement & I-Net Banking Free Inter Branch Online Cash Deposit/Withdrawal (Online) Free Internal Fund Transfer within NUST via branch (Online Transfer) Free Banker’s Cheque Issuance Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000
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What is the applicant legal structure of business in order to avail NUST Sahar Finance?
Sole Proprietor, Partnership Firm, Private Limited Company, Single Member Company (SMC), Business Individuals (Women Owned) *In Partnership firm/ Private Limited Company, having 02 partners or directors, minimum 51% shareholder/ CEO should be a a femle who should also be the applicant. If there are more than 02 partners or directors, major share holder should be women , who should also be CEO and applicant
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What is the markup repayment frequency in Ask Fauri Business Finance?
AFBF-1: Monthly / Quarterly AFBF-2: Monthly / Quarterly AFBF-3: Upfront AFBF-4: Upfront
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13. Is there a limit to international Spending?
As per SBP directives i.e. Nov 1, 2022 industry-wide annual maximum limit of USD 30,000/- per individual on card-based (debit/credit and virtual cards) cross-border transactions It is the primary responsibility of a customer to ensure that his/her annual limit is not breached at any time. In order to avoid any inconvenience, you are requested to please restrict your international spending within the defined limit. Cross-border commercial payments through cards issued to individuals are not permissible. Note: NUST Bank has the right to reject any application as per Bank’s criteria.
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What is the minimum and maximum financing amount?
The minimum financing amount is Rs. 50,000/ (Rs. 35,000 for retired JCOs & Lower Cadre - Subject to pension with NUST). Maximum finance up to Rs. 3,000,000 (For non-prime customers) and up to Rs. 4,000,000 (For prime customers). Whereas maximum finance amount depends on case to case basis subject to income multiples within 40% Debt Burden Ratio or limit as defined in the PPM Personal Finance.The maximum financing limit will be up to 40% Debt Burden Ratio and as per SBP PR.
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Are there any late payment charges?
Rs. 1,000/- per installment *In case of delay of installment, commercial rate will be charged on the outstanding principal amount.
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8. In which area of the country one can avail Credit Card facility?
Credit Card can be availed from all cities / Areas without discrimination
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What is the security requirement for availing PMYB & ALS?
Tier 2 i.Clean; personal guarantee of the borrower ii.02 Post Dated cheques for installment amount iii.01 Post Dated cheque for full loan amount plus mark up as per amortization schedule Tier 3 i.Mortgage of residential / commercial / industrial property owned by borrower or third party ii.HPA on vehicle in the name of borrower or immediate family member i.e. parents, spouse, children, brothers or sisters. iii.Liquid security (lien on deposit, Saving certificates, TDRs etc.)
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13. What is the repayment mode?
Payment of Equal Monthly Installment (EMI) comprising of principal, mark-up and Insurance cost etc. will be made through Direct Debit Authority (DDA) of borrower’s account maintained with NUST.
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Does NUST Bank has specialized remittance Account as per SBP guideline?
Yes NUST has remittance account name as Pak Wattan Remittance Account.
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Indicative Profit Rates
(For Conventional Deposit Products on “Per Annum” basis) Effective July 1st, 2024 SAVINGS ACCOUNTS TERM DEPOSITS Change NUST Asaan Account Short Notice Deposit Receipt (SNDR) Profit Payment Profit Rate Tenor Payout Profit Rate Semi-Annually 0.19 7 Days Maturity 0.165 29 Days 0.165 PLS Savings Profit Payment Profit Rate Term Deposits Semi-Annually 0.19 Tenor Payout Profit Rate One Month Maturity 0.17 Little Champs Account Two Months 0.17 Profit Payment Profit Rate Three Months 0.17 Semi-Annually 0.19 Six Months 0.17 One Year 0.175 NUST Special Deposit Account (ASDA) Two Years 0.155 Profit Payment Profit Rate Three Years 0.15 Monthly/Semi-Annually 0.19 Five Years 0.14 NUST Waqaar Account - Senior Citizen Term Deposits Profit Payment Profit Rate Tenor Payout Profit Rate Monthly 0.19 Three Months Monthly 0.16 Six Months Monthly 0.16 PakWatan Remittance Account Six Months Quarterly 0.1625 Profit Payment Profit Rate Monthly 0.19 NUST Waqaar Account - Senior Citizen - Term Deposit Tenor Payout Profit Rate NUST Sahar Savings Account One Year Monthly 0.1675 Profit Payment Profit Rate Monthly 0.19 NUST Bachat Account -Individual/Corporate and Value Plus Term Deposit* NUST Maximiser Savings Account Tenor Payout Profit Rate Profit Payment Profit Rate One Year Monthly 0.15 Monthly 0.19 Two Years Monthly/ Quarterly/ Annual 0.13 Quarterly 0.1905 *Discontinued - No Fresh Booking Allowed Semi-Annually 0.191 Annually 0.1915 NUST Maximiser - Term Deposit Tenor Payout Profit Rate PLS Pensioners Account One Year Monthly 0.1675 Profit Payment Profit Rate Two Years 0.1425 Semi-Annually 0.1925 Three Years 0.13752 Five Years 0.13 NUST Sahar - Term Deposit Tenor Payout Profit Rate One Year Monthly 0.17 Three Years 0.14 Five Years 0.1325 FCY USD GBP EUR Savings Account 0.0025 0.0025 0 Term Deposits 0.0025 0.0025 0
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I would like to inquire about opening a current account for business with your Bank. Please tell me what options I have?
NUST Value Plus Business Account is best suited for startups and businesses
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Are Local Credits allowed in PakWatan Remittance Account?
Local credits are also allowed in PakWatan Remittance Account
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What is the Target Market of NUST Asaan Digital Account ?
NUST Asaan Digital Account is specially designed for unbanked / under-banked customer segments. This account is most suited for but not limited to skilled/unskilled workforce
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What is the Eligibility Criteria for business entity in Ask Fauri Business Finance?
All except individuals
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What are the main features of these EFU Insurance Plans?
- 14 Days Free Look Period start from the day customer received Policy Documents. #REF! - Unit Link growth system (EFU allocate Mutual fund units to customer, policy growth depends on the unit rate groth just like share Market) - NUST bank is only act as a Corporate Sales Agent, It’s a Insurance plan not to be considered as any Account of Term depoist which have annual Fixed Returns. - In case of early termination, only Cash Value of policy will be payable to customer (current market rate of Mutual funds units will be reimbursed) - Cancellation of policy and full refund option is available if policy documents returned during Free Lookup Period i.e. 14 days of receipt of documents - Cash Values of policy may be differ from the tentaive returns provided on illustration document (illustration document is only for information) Other Important Information about EFU Insurance Plans - Only Education and Marriage Plans are Limited time plan with Countinuation Benefits (in case of death payment will be made upon maturity) - Single Premium Plan which can be terminate at any time, in case of death Cash Value or Sum Assured whichiver is higher will be paid - Annaul / Half Yearly / Quarterly - Policy Premium Payment Modes Available as per customer conveience - Aggressive Growth Plan is a high risk Plan depends on customer profile - Death Claims will be handled by EFU subject of completion of required documents and eligible if policy status is Active Inforced/Reinstated only For All EFU Life Banca Products Brochures available
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Does the PRI comes under the laws of State Bank or Government?
It is a joint initiative of State Bank of Pakistan, Ministry of overseas Pakistanis and Ministry of Finance.
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What is the Application processing time?
The processing time of Personal Finance is 10 working days form login till approval (subject to complete application with required documents).
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15. Can I make balloon payments or premature termination is allowed?
Yes, Balloon payment or premature termination option is available for all customers. Charges will be applied as per prevailing Bank’s schedule of charges.
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What is the current Mark-up rate of Ask Fauri Business Finance?
AFBF-1: 3MK /COD +1.50% AFBF-2: 12 MK /COD +2.0% AFBF-3: As per SOC AFBF-4: As per SOC
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What are the insurance charges?
At actual
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What are the processing charges for NUST Rice Finance Application?
Processing fee will be charged @ 0.15% of total limit(s) processed/approved or Rs. 25,000/- whichever is higher
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1.What are the benefits of NUST Bank Auto Finance?
- Competitive Floating & Fixed Mark Up Rate - Partial Payment option available to reduce monthly instalment - Attractive Insurance Rate at 1.75% per annum - Quick Processing & Minimum Documentation - Free Tracker & Its installation - No hidden charges - Free Accidental Life Insurance up to Rs.1,000,000
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What are the service/documentation/legal charges in NUST Sahar Finance?
At actual
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18. Where financing is not allowed?
The financing shall not be allowed for; Commercial Properties. Construction or possession of land on the encroached area of Public/ Government Land. Properties built against Housing Authority By-Laws.
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What are the charges applicable for NUST Hunarmand Finance?
Applicable as per PMYB & ALS
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Is there any minimum age to avail financing in NUST Rice Finance?
Minimum 20 years (in case of sole proprietorship) Maximum 65 years at the time of application. * This criteria is not applicable if business concern is a partnership or limited company *This age can be relaxed in case of effective succession planning is available.
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Is NUST Bank offering any account specifically for Women?
- Yes! NUST Bank Offers NUST Sahar Account. - Female Individual Resident Pakistanis can open the account offered under NUST Sahar Banking.
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What other Value added features does the Little Champs Account have?
Attractive returns on savings account SMS alert service on digital transactions I Net banking services Free education insurance plan – Rs.5,000/- per month for 5 years on savings account & Rs.10,000 per month for 5 years on current account in case of death of the guardian
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What is the maximum tenure of NUST Imarat Finance?
AIF 1: Maximum 10 Years (Grace Period upto 6 months) AIF 2: Maximum 10 Years(Grace Period upto 9 months) AIF 3: Maximum 8 Years (Grace Period upto 6 months) AIF 4: Maximum 03 Years (Grace Period upto 3 months) (markup to be recovered during grace period)
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Is there any quota for womens?
25% of the loans will go to women borrowers
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What are the service/documentation/legal charges in NUST Ujala Finance?
At actual
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What is the Premature Encashment Penalty on NUST Sahar Term Deposit ?
- The encashment of NUST Sahar Term Deposit before maturity will be subject to premature encashment penalty as below: - Principal amount x 1.5% per annum on the remaining period of the Term Deposits (for e.g., deal booked for 5 years matured after 2 years – penalty/charges will be 4.5% x Principal Amount) - Minimum penalty/charges are 1.5% of the principal amount. The penalty amount will be to the extent of profit paid/payable only https://NUSTbank.com/NUSTUploads/uploads/SOC-Conv-English.pdf
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Is NUST Bank offering any financing specifically for women owned small and medium enterprises?
The Product "NUST Sahar Finance" is based on Refinance and Credit Guarantee Scheme for Women Entrepreneurs objective of this product is to provide financing facilities to women owned enterprises to meet credit needs of their businesses.
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What is the repayment frequency in NUST Ujala Finance?
SE/ME Borrowers : Monthly / Quarterly Domestic Borrower : Monthly NUST employees : Monthly Vendors/Suppliers : Quarterly/Half Yearly (as per borrower’s cash flow)
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Is there any list of branches I can access to get information?
The list of NUST domestic branches can be viewed from the Branch Locator available on our corporate website www.nustbank.com . https://NUSTbank.com/find-us/
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What is the maximum tenure in PMYB & ALS?
Long Term Loan: Maximum 8 Years (Maximum 1 Year Grace Period) Working Capital Loan: Maximum 05 Years (Maximum 2 Year Grace Period) *Markup will be recovered during grace period
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What is the repayment frequency in PMYB & ALS?
Repayment of PMYB&ALS loans will be made in the form of “monthly or quarterly Instalments (or as per SBP’s directives)
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17.In which area of the country one can avail House Finance form NUST?
Mortgage Finance facility can be availed from all cities / areas without discrimination.
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Can I purchase Bancassurnce policy from my account maintained with NUST Bank? Main
Yes, every customer who attain the age of 18 and have account with NUST Bank can eligible to purchse Bancassurnce policy from his account. Bancassurance is offiered by following three Insurance Provider companies: · NUST Life Assurancee Company Ltd · EFU Life Assurence Company Ltd · Jubilee Life Insurance Company Ltd.
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Does NUST Bank offer a Digital Banking Account for Freelancers ?
NUST Freelancer Digital Account is exclusively designed for Freelancers, so that they can receive their payments directly in a bank account and enjoy other lifestyle banking services as well.
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What are the Loan Limits of NUST Hunarmand Finance?
Tier 2 Above Rs. 0.5M and up to Rs 1.5M Tier 3 Above Rs 1.5 M and up to Rs 7.5M
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5. How much loan can I avail?
Up to a maximum of Rs.3 Million from all banks/DFIs in aggregate, subject to a maximum of 40% Debt Burden requirement.
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3. What is the Maximum age criteria for applying NUST Mortgage Finance?
Salaried Permanent : 60 Years at the maturity of loan Salaried Contractual: 65 Years at the Matrurity of loan Pensioners: 65 Years at the maturity of loan SEB/SEP: 65 Years at the maturity of loan
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What are the Loan Limits of PMYB & ALS?
Tier 2 Above Rs. 0.5M and up to Rs 1.5M Tier 3 Above Rs 1.5 M and up to Rs 7.5M
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Are there any late payment charges?
Rs. 3,000/- per installment
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Is there any late payment charges?
In case of delay of installment, commercial rate will be charges on overdue days.
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Is it important to declare the purpose of the funds being sent to Pakistan?
Yes, it is mandatory to provide purpose of funds being sent to Pakistan.
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What are the free facilities NUST is offering on NUST Sahar Current Account ?
· First Cheque Book · First Debit Card Issuance* · 50% Discount on first year Locker Rental (subject to locker availability) . Bankers Cheque Issuance . Inter Branch Online Cash Withdrawal/ Deposit (Online) . Internal Fund Transfer within NUST via branch (Online Transfer) · SMS Alerts on all banking Transactions · I-Net and Mobile Banking · E-statement Facility and much more *Subsequent Charges/Annual Fees would be as per prevailing Schedule of Charges
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What conversion rates will be applied on remittance?
The same conversion rates will be applied at the time of sending the remittance. Affiliated bank or Exchange Company confirm the Conversion rates to Sender at the time of sending the remittance.
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What are the Loan Limits of NUST Flour Mill Finance?
Per party (single entity) can avail up to Rs. 75M for ME and Rs. 25M for SE
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What is the maximum tenure of NUST Flour Mill Finance?
Maximum 1 year as per clean-up corridors
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What are the insurance charges?
At actual
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Are there any late payment charges?
Late payment charges PKR 1,000/- plus FED will be charges after 30th day of installment overdue.
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What is the security requirement for availing NUST Imarat Finance?
i.Effective Mortgage (Equitable / or token registered) to be created on same urban Commercial / Industrial property which has been financed ii.03 post dated cheques of the full loan amount plus markup iii.Personal Guarantees from borrowers, all partners and directors of the companies alongwith “Personal Net worth Statement”. iv.Fard based property to be registered equivalent to the full loan amount
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Is there any minimum business age requirement?
Existing Business Should be women owned enterprises with Minimum 01 year of business registration New Business: Nil
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In how many days the loan can be approved in Ask Fauri Business Finance?
Turnaround time (TAT) for disposal off the approval is fixed to 03 days from the date of pre-approval completion of documents
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What is the Account type of NUST Freelancer Digital Account ?
NUST Freelancer Digital Account offered Current Account in PKR & FCY (USD, GBP, EUR, AED)
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Can we open this account online?
· Digital account opening facility available with account opening within 48 hours Does the bank offer option of Term Deposits with this account. · Yes, Option to book exclusive NUST Sahar Term Deposits from NUST Sahar Current Account at attractive rates is available. Is there a Minimum balance requirement for NUST Sahar Current Account · No minimum average balance requirement for account maintenance
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For which purposes NUST Ujala Finance is being offered?
SME, NUST Employees and Domestic: Energy generation for own use or for supply to the distribution company / NEPRA Vendors/Suppliers: Onward leasing of renewable energy equipment / deferred payment sales / rental basis or sale of electricity to ultimate users
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What is the nature of financing offered under Ask Fauri Business Finance?
AFBF-1: Running Finance AFBF-2: Term Loan AFBF-3: Letter of Guarantee AFBF-4: Letter of Credit – Sight / Usance
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For which purposes PMYB & ALS is being offered?
•To start new business •To expand existing business
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Is NUST Bank offering any seasonal financing for rice mills?
NUST Rice Finance caters to meet seasonal financing needs of paddy procurement and other overhead expenses to rice mills, based on past performance and milling capacity to fulfil their seasonal financial needs. The scope of the product is to target ‘Rice Mills’ which fall under the category of SME.
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Can I purchase Bancassurnce policy from my account maintained with NUST Bank? Main
Yes, every customer who attain the age of 18 and have account with NUST Bank can eligible to purchse Bancassurnce policy from his account. Bancassurance is offiered by following three Insurance Provider companies: · NUST Life Assurancee Company Ltd · EFU Life Assurence Company Ltd · Jubilee Life Insurance Company Ltd.
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7. Can I obtain financing on my owned property by mortgaging it?
Yes, purpose of finance has to be in line with the purpose defined by regulator i.e. Financing for construction of house on owned residential plot. Balance Transfer Facility (BTF) against existing financing facility of borrower from other banks/ DFIs. Renovation of owned House/ Apartment/ Flat/ Residential Unit Extension/ Expansion/ Improvement of Residential Unit
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What is the Account type of NUST Asaan Digital Account ?
NUST Asaan Digital account is a Current Account in PKR currency
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What is the collateral requirment for Ask Fauri Business Finance?
•NUST : Lien on NUST deposit CA/SA/ TDR, including 3rd party (LCY/FCY) •National Saving Certificates (NSC): (Lien over NSC including joint name/owner)
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What is the current Mark-up rate of NUST Sahar Finance?
Mark-up Rate of @5% p.a. *Markup at 12M Kibor + 4% Per Annum to be charged till refinance claim reimbursed by SBP.
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What is the security requirement for availing NUST Hunarmand Finance?
i.Personal guarantee of borrower for loans up to 1.5M, and direct debit authority of borrower/pensioner/guarantor to be obtained ii.For loans above 1.5M, it shall be secured against movable as well as immovable assets of borrowers as defined under PMYB&ALs iii.Guarantee of serving officer of armed forces in case of his family (spouse or children) avail loan under this program.
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14. What is the Application processing time?
The processing time of Mortgage Finance is 30 days form login till approval subject to complete application with required documents.
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Professional?
Yes. The individual with foreign remittance, supported by Bank statement and remittance receipts can avail Auto Loan Facility
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6. What would be the financing tenure?
NUST Credit Card is an Evergreen facility & renewable after expiry of credit card.
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What are the free benefits of NUST Freelancer Digital Account?
Free Issuance of First Cheque book (10 Leaves)* Free First Issuance of UnionPay Debit Card* Free First Cheque Book & Debit Card Delivery* Free SMS alerts facility (Digital Transactions) Free accidental Death & Disability Insurance/Takaful up to PKR 2.5 mn on monthly average balance of PKR 100,000
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2.What is the minimum age for applying NUST Mortgage Finance?
Salaried : 21 Years SEB/SEP: 23 Years
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What is the Target Market for Value Plus Premium Business Account ?
Medium Enterprises Partnership Firms Private & Public Limited Companies Corporate & Commercial Organizations NGOs / NPOs / Trust/ Charitable Organizations
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What is the maximum tenure of NUST Rice Finance?
Cash Finance Max 270 Days or Clean-up corridors whichever is earlier Running Finance One Year
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Can remittance be sent from anywhere to Pakistan?
Yes, remittance can be sent from around the globe to Pakistan through our agent Partners like Western Union, Mastercard, Dandelion Payments (RIA) etc. For more information please go through the below link: https://NUSTbank.com/services-home-remittance-our-partners/
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For which purposes NUST Rice Finance is being offered?
Cash Finance (CF) To meet working capital requirements of Rice Husking Mills for procurement of paddy as per milling capacity. Running Finance (RF) To meet working capital requirements of Rice Husking Mills i.e. transportation, salary & wages, utility and other administrative expenses etc.(Procurement of Paddy through RF funds is restricted)
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16. Whether bank is responsible for delay in booking or delivery of vehicle?
No. Bank does not assume any responsibility in this regard, as same is beyond the control of bank.
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18. What is the Loan Application processing time?
The processing time for loan approval is approximately 11 working days, subject to complete application with required documents/formalities.
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What are the main features of NUST Sahar Asaan Current Account ?
- Simplified Account Opening with single pager Account Opening form & CNIC - Cheque Book Issuance - Free PayPak Debit Card Issuance
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3. What is the maximum age for applying NUST Mastercard Credit Card?
Salaried (Permanent): 60 years Salaried (Contractual)/ Pensioners/SEB/SEP: 65 years
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Please tell me about Free Facilities being provided on Value Plus Current Account for Premium Business upon maintaining minimum Monthly average Balance?
Issuance of Cheque Books* Duplicate Account Statement Issuance of Debit Card* InternetBanking facility SMS Alerts on Digital Transaction Same Day & Intercity Cheque Deposit E-statement Inter Branch Online Cash Deposit/Withdrawal (Online) Internal Fund Transfer within NUST via branch (Online Transfer) Banker’s Cheque Issuance Free LC / LG issuance (Cash backed or Account lien based) *Subsequent Charges/Annual Fees would be as per prevailing SOC
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12. How will I get update of my Credit Card Application?
You can visit/ call or send email at our Customer Services centre(s) as well. Services centre(s) as well. Email Address: [email protected]
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What is the repayment frequency in NUST Imarat Finance?
Monthly/Quarterly
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Any Account turnover requirement for NUST Flour Mill Finance?
Minimum 50% of applicant’s sales to be documented through account turnover with bank(s).
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What are the processing charges for PMYB & ALS?
Rs. 100/-
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Is there any minimum age to avail financing in NUST Ujala Finance?
SE/ME Financing: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria) Vendors/Suppliers: Between 25-55 years at the time of application. (Any one partner/ director should meet age criteria) NUST Employees’ Financing: No age limit Domestic Applicant Financing: Between 25-55 years at the time of application. (Any one borrower or co-borrower should meet criteria)
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What is the Target Market?
Individuals- Beneficiaries (families) of Pakistanis working abroad
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