What We Do

Cheque Clearing

NIFT has set up a grid of automated clearing which provides efficient and cost effective intercity clearing involving 28 major and over 300 satellite cities in Pakistan. NIFT has progressed the ACH facilities by providing web based facilities. The clearing results are now accessible by banks and branches through the NIFT's web portal. Also, a dashboard on the clearing portal shows dynamic position of each bank as the day progressed.

NIFT has setup elaborate data centers/sub-centers geared to provide automated services for document processing particularly in the payment arena. Modern image based facilities have been established at:

  •  Karachi
  •  Lahore
  •  Islamabad
  •  Peshawar
  •  Rawalpindi
  •  Hyderabad
  •  Multan
  •  Faisalabad
  •  Quetta
  •  D.I.Khan
  •  Sialkot
  •  Gujranwala
  •  Sukkur
  •  Bahawalpur
  •  Muzaffarabad
  •  Jhelum
  •  Abottabad
  •  Mirpur
  •  Sahiwal
  •  Sargodha
  •  Rahim Yar Khan
  •  Larkana
  •  Jhang
  •  Vehari
  •  D.G. Khan
  •  Attock and Nawabshah.

The services include cheque clearing, reconciliation, 'return' (unpaid) cheque processing, same day clearing (express - 2 hrs. clearing service), intercity clearing and inter branch & interbank settlement. Services are provided at individual branch level to over 9000 branches in 300 major cities and towns.

Utility Payment Processing

In addition to providing services to the financial industry, NIFT is a trusted service provider to major utility companies for utility payment processing services. Utility companies include Sui Northern Gas Pipeline Ltd, K-Electric, Karachi Water & Sewerage Board and Pakistan Telecommunication Company Ltd. Previously NIFT has provided the services for Sui Southern Gas Company, Lahore Electric Supply Company and Islamabad Electric Supply Company.

Financial Market Data Aggregation

NIFT is providing financial data aggregation services for Financial Market Association of Pakistan (FMAP) where NIFT publishes KIBOR (Karachi Inter Bank Offered Rate), KONIA (Karachi Overnight Index Swap Rate) and PKRV (Pakistan Revaluation Rate) and SUKUK. These numbers are then disseminated by Reuters and Bloomberg to all stake holders.

E-Commerce payment Gateway

NIFT has been playing the critical role of cheque clearing house in payment system of Pakistan for over 15 years and has expanded its service portfolio from banking industry to large enterprises and government departments. It enjoys a unique position in pitching and offering an additional payment system services to this large customer base at affordable price. NIFT, in partnership with Lamda Card Services of Cyprus, has initiated tha first Ecommerce payment gateway service in Pakistan that will be come in production by end of year 2015.

Public Key Infrastructure (PKI)

NIFTeTRUST was the First Certificate Authority (CA) in Pakistan established as an affiliate of VeriSign Inc. USA later converted to as an affiliate of Symantec. NIFTeTRUST has its data center certified to international standards; X9.79 and ISO-27001. NIFTeTRUST has paved way for Pakistani organizations to safely and securely operate online business under a Global Trust hierarchy. It provides services which ensure security and safety of commerce and communications, addressing issues such as authentication, confidentiality or privacy, non-repudiation, and data integrity over the Internet.
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NIFT has been awarded the contract of providing services for supplying, printing, scanning, OMR, OCR/ICR of Bubble/Cover sheets and software solution for the processing of data and compilation of results of all ‘9’ Boards of Intermediate and Secondary Education (BISE) Punjab on turnkey basis.

NIFT has automated the entire result compilation process for all ‘9’ BISEs of Punjab. The project was started in early 2012 and NIFT has successfully completed eight cycles of result compilation for Intermediate as well Matriculation Annual and Supplementary Examinations. Work involved Printing, Scanning, Data Extraction through OMR, Data entry, Quality Assurance, Results Compilation and Reporting.

Over 4 Million students’ examination papers per year are processed. We helped to reduce almost 15% human error rate when compared to manually compiled results. We introduced modern reporting techniques giving analytical reports of several types and dashboards for quick reviews.


NIFT was awarded two LOTs from Punjab Board of Revenue for Scanning and Data entry of existing paper based records in the shape of Registers to make Land Record Management Information System (LRMIS) operational and starting service delivery through this e-system. LOT1 includes districts Sialkot, Narowal, Gujrat & Mandi Bahauddin while LOT2 includes Districts Rawalpindi, Chakwal, Jhelum & Attock of Punjab. The large phase of Scanning and Data Entry of all types of registers for all Districts was completed. Now, the final phase of Verification/Operationalization of Mauzas/Land records is in full swing. The project was awarded in July 2011 and will be completed by end of 2015. Over 19 million Land Records have been data entered for 8 Districts. 95% work has been completed and 90% of Land Records have already been notified.


NIFT has been awarded printing of over 22 million electoral rolls pages for Election Commission of Pakistan for 2013 National & Provincial elections. All three phases were completed on time. Printing and dispatching of all final voters lists was the basis of 2013 Elections. Now, NIFT is providing printing services to ECP through NADRA for local bodies elections for all provinces of Pakistan.

Know Your Customer

NIFT in collaboration with IN FORM offers a universal form filling and work flow implementation application that extends the value of your core enterprise business systems. It is based on secure and reliable operation system agnostic HTML5 electronic forms as the preferred format for employees, customers, and partners to flexibly interact with core enterprise business applications at every step of their business processes.


NIFT, in collaboration with Nextenders, offers a complete procure-to-pay solution to accommodate the complex requirements of the Procurement process especially in government institutions. Parent-Child architecture ensures customizable workflow to suit varying procurement processes of each department. Workflow based transactions can be easily tracked and audited.