Internship Report on

Bahria Enclave Islamabad

( A Project of Bahria Towen)

Submitted By
M.IBRAHIM BIN RASHID

Roll# F-13/B-11

Supervised By
MR JUNAID NAWAZ

Govt. College of Commerce and Management Sciences

Mansehra

Session
2013-2017
 Internship Report on
Bahria Enclave Islamabad
( A Project of Bahria Towen)

Submitted By
M.IBRAHIM BIN RASHID

Roll# F-13/B-11

Supervised By
MR JUNAID NAWAZ

This internship report is submitted in partial fulfillment of the requirements for the
degree of Bachelor of Business Administration awarded by the Government commerce
collage of management sciences Mansehra

Govt. College of Commerce and Management Sciences

Mansehra

Session
2013-2017

ii
 Govt. College of Commerce and Management Sciences,
Mansehra

Approval Sheet

1. External Examiner

Mr. _____________________________________________ Signature_______________

2. Supervisor

Mr. Junaid Nawaz____________________________ Signature_______________

3. Head of Department

Mr. ___________________________________________ Signature ________________

iii
 Dedication

I dedicate this report to my beloved Parents my Siblings & my Respected Teachers for
their guidance & Support

iv
 Table of Contents

CHAPTER 1........................................................................................................................2
INTRODUCTION TO THE REPORT................................................................................2
1.1 Background of Study.................................................................................................2
1.2 Purpose of Study........................................................................................................2
1.3 Scope of the Study.....................................................................................................3
1.4 Limitations of the study.............................................................................................4
1.5 Merits of the study.....................................................................................................4
1.6 Methodology of the Study.........................................................................................5
Chapter # 2...........................................................................................................................6
Introduction to the Organization..........................................................................................6
2.1 Introduction................................................................................................................6
2.2 Bahria Town Logo.....................................................................................................6
2.3Definition of Bahria Town..........................................................................................7
2.4History........................................................................................................................7
2.5Chairman Message......................................................................................................9
2.6 Concept....................................................................................................................10
2.7 Facts & Figures........................................................................................................11
2.8 Bahria Town Services..............................................................................................12
2.9 Retail (Mall Of Lahore)...........................................................................................19
2.10 Projects:.................................................................................................................20
Chapter # 3.........................................................................................................................28
Overview of Organization.................................................................................................28
3.1 Organizational Structure.........................................................................................28
3.2 Meet Advice Associates..........................................................................................28
3.3 Structure...................................................................................................................29
Chapter 4............................................................................................................................30
Human Resource Management at BAHRIA ENCLAVE..................................................30
4.1 HUMAN RESOURCE DIVISION.........................................................................30
Chapter 5............................................................................................................................31
Recruitment & Selection....................................................................................................31

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 5.1RECRUITMENT POLICY......................................................................................31
5.2 APPOINTMENT CONDITIONS............................................................................32
5.3 APPOINTMENT PROCEDURE FOR OFFICER GRADE-II AND ABOVE.......32
5.4 Appointment Procedure of Officer Grade-Iii/ Junior Officers................................33
5.5 Appointment In Non-Officer Cadre/ Driver And Security Staff.............................33
5.6 PROBATION AND CONFIRMATION.................................................................34
Chapter 6............................................................................................................................38
Human Resource Training & Development......................................................................38
6.1 BACK GROUND....................................................................................................38
6.2 POLICY FEATURES..............................................................................................38
6.3 TRAINING & DEVELOPMENT...........................................................................38
6.3.1OBJECTIVES....................................................................................................38
6.3.2 PURPOSE.........................................................................................................39
6.3.3 ASSESSMENT OF TRAINING NEEDS........................................................39
6.3.4 IMPLEMENTATION.......................................................................................39
6.4TRAINING AND DEVELOPMENT.......................................................................42
Chapter 7............................................................................................................................43
Compensation & Benefits..................................................................................................43
7.1 ALLOWANCES AND FRINGE BENEFITS.........................................................43
7.2 DISBURSEMENT OF SALARIES........................................................................44
7.3 CONVEYANCE ALLOWANCE/ MAINTENANCE ALLOWANCE..................44
7.4 ENITLEMENT OF OFFICERS FOR OFFICAIL JOURNEY...............................46
7.5 HOUSE RENT ALLOWANCE..............................................................................47
7.6 LEAVE RULES.......................................................................................................47
7.7 LOANS AND PENALTIES....................................................................................49
7.8 DISCIPLINARY AND GENERAL CONDUCT RULES......................................52
Chapter 8............................................................................................................................54
SWOT analysis..................................................................................................................54
Chapter 9............................................................................................................................56
Conclusion, Recommendations and Suggestion................................................................56
9.1 Internship activity....................................................................................................56
9.2 Things i learnt from internship:...............................................................................57
9.3 CONCLUSION........................................................................................................57
9.4 RECOMMENDATIONS.........................................................................................58

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References..........................................................................................................................61

Acknowledgement

My first and foremost humble gratitude to ALLAH the Almighty for giving me the
valor to remain dedicated to make this internship report.

Apart from it I take the opportunity to acknowledge the real effort of;

First I would like to thank my college Govt College of Management Sciences

Mansehra. for the valuable support and encouragement which it has given to me in form
of this internship program.

Secondly I am very grateful to all staff of Bahria Enclave , Islamabad for giving me the
opportunity to be a part of this organization and for being so helpful and cooperative
throughout my internship program.

Likewise I am indebted to other employees for their support and the provision of valuable
information which helped me a lot during my internship and in completion of this report.

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 Executive summary

Internship is an integral part of our Bachelors of Business Administration (BBA)

program. It provided me the opportunity to develop practical concepts which before that
were in only theoretical form. My internship in Bahria Enclave was full of learning
regarding various aspect of Human resource Management. The report contains practical
knowledge which I gained during my stay at Bahria Enclave.

Bahria Town is one of the largest real-estate developers in Asia. Bahria Town has
projects in Lahore, Rawalpindi, and Islamabad and is planning to develop projects in 
Murree and Karachi. There are different phases to the scheme with mini golf course as
well. The development of the Rawalpindi Bahria Town has been undertaken in
partnership with Malaysian consortia TAK and MAX Corp

Bahria Town is the force turning the vision of modern Pakistan into reality. Bahria Town
has been shaping landscapes and lives in Pakistan since the company's inception in 1996.
Not just building homes, Bahria Town has developed value-added, master-planned
communities housing thousands of families enjoying a complete living experience. When
complete, projects such as the DHA Valley, Golf City, Garden City, Bahria Icon and
many more under development will accommodate more than a million residents and will
cover over 1 billion sq ft.

Bahria Town’s 22,000 employees are delivering USD 6 billion of iconic developments,
driving leadership, pioneering innovation and creating a legacy for generations to come.
Bahria Town is the prime mover of the Pakistan's real estate and construction sector.

As region’s largest private estate developer, Bahria Town is delivering iconic

developments, driving leadership, pioneering innovation and creating a legacy for
generations to come. Landmark buildings, thriving communities, market leading retail
offerings and unprecedented investment opportunities. At the cutting edge of urban
development on a scale unsurpassed elsewhere in the world.

viii
Our world class projects located in Rawalpindi/Islamabad and Lahore epitomize the
highest standard of town development ever achieved in Pakistan. Embellishing the covers
and insides of world’s leading magazines like the Newsweek International, Bahria Town
is an absolutely stunning masterpiece that for the first time has introduced the highest
living standards to Pakistan.

“…above and beyond those in many of the gated communities that have become so
popular in countries from the United States to Brazil.” 

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x
 CHAPTER 1
INTRODUCTION TO THE REPORT

This is an essential and pre-requisite academic requirement to complete an internship program of

eight weeks/two months in an organization of repute. Report writing follows the internship,
which is an integral part in fulfillment of requirements for degree of BBA Hons, and also it is an
opportunity for a student to work practically in an organization. The main purpose of an
internship is to show a difference in practical work and theoretical. A report encompasses the
experience of the internee, his learning, and analysis in the light of which recommendations are
made. During my internship I felt that the practical field is much easier than the theoretical
approach.

This internship report has been written on The Bahria Enclave, Islamabad.

1.1 Background of Study

The study is about the general operations and management of The Bahria Enclave, Islamabad,
and focuses on its function and operations during internship in that branch.

Every student of BBA (Bachelors of business administration) has to under go an internship

program of six-eight weeks in any organization to get exposure to the real time business
environment and to attain practical knowledge about daily operation of that entity. The real
purpose of this internship program is to provide an opportunity to the students to see the practical
applications of their background professional studies.

1.2 Purpose of Study

It is necessary for the student of BBA that they should be acquainted with practical applications
of business studies and should gain business experience. In this connection every student is
required to undergo an internship of at least six weeks in any organization. It not only gives us a
chance to interact with the people already working there this enable us to get to know the
financial institutions concern’s atmosphere and business stature in Islamabad. Purpose of the
study was two pronged.

 General Purpose

1. This study offers knowledge and experience of courses studied.

2. To improve the writing and analytical skills of students
3. To familiarize the student with the practices and working environment during the
internship

 Specific Purpose

1. A partial fulfillment as a requirement for the completion of BBA degree

2. To objectively observe the operations of The Bahria Enclave in general and the
operations of The Bahria Enclave, Main Islamabad in specific
3. To make recommendations or implementation plans for the improvement of the
operations of The Bahria Enclave, Main Mansehra in the light of our professional
studies

1.3 Scope of the Study

The study covers two areas with its variables, which affects the operations of the branch directly,
or indirectly. These two areas of variables are:

1. Organization specific variable:

The branch specific variables are the variables under the control of the branch management and
directly affect its operations e.g.

1. Layout of the branch

 2. Customers’ relations
3. Departments in the branch

2. Branch general variables:

The Organization general variables are those variables, which are not in control of the branch
management e.g.

1. History of Bahria Enclave

2. Services provided by Bahria Enclave
3. Role of Bahria Enclave

1.4 Limitations of the study

The Study was subject to the following limitations, the absence of which could have made this
report more accurate, systematic and factual:

The very limited period of time was available to conduct the detailed analysis, which hindered
procurement of exhaustive and complete per day visit, which also cause some difficulties in
obtaining adequate information. The Organization officials because of secrecy of the
Organization matters didn’t answer the number of questions

1.5 Merits of the study

This report is the result of evaluation and findings. This report will benefit general readers to get
some necessary information about The Bahria Enclave. Moreover it will be very beneficial for
the students of BBA and MBA because this report covers all fields related to business is that HR,
Marketing, IT, International business and Finance. Reader can come to know how these fields of
study were implied in The Bahria Enclave which put good impact on investors, shareholders and
as well as customers. In last The Bahria Enclave can benefit from SWOT analyses and
suggestions and recommendations present in last part of report.

1.6 Methodology of the Study

In order to complete the report and collection of data two sources of data are used:

1. Primary data:

 Interviews and discussion with staff members

 Personal observations

2. Secondary data:

 Annual reports of The Bahria Enclave

 Brochures & Manuals.
 Websites
 Newspapers
 Previous Internship Reports
 Newspapers.
 Booklets
 Chapter # 2
Introduction to the Organization

2.1 Introduction
Bahria Enclave Islamabad Is a Housing Project of Bahria Towns Exclusive community of 5,
8, 10 Marla & 1, 2, 4 Kanal residential plots & 4, 8 Marla commercial plots. - Bahria Enclave
Islamabad Possession is given now  and rapidly construction can be seen here.It is located
approximately 8 km (10 minutes) drive from Chak Shahzad- Connecting Bahria Enclave to Park
Road & the Kuri Road- Construction at full velocity of School, Mosque, Hospital, Commercial
Mall, Restaurant, Park & Zoo-  Features. 5 Star Hotel & Spa . Restaurants. Parks & Zoo. Cine
Gold Plex Cinema. Commercial Areas. International Standard School & Hospital. Great Jamiah
Mosque. 100 feet wide roads, landscaped with Green Belts & Footpaths. Complete Gated
Community . Underground Provision of Electricity , 24 Hours security, supply of electricity ,
Gas,The layout plan was approved by Capital Development Authority. Bahria town your Life
style Destination

2.2 Bahria Town Logo

2.3Definition of Bahria Town
The word Bahria refers to the navy as firstly Bahria Town (Private) Limited was having joint
venture with Pakistan Navy, the purpose of having this name was to develop trust among the
people of Pakistan, as a referred Navy name was used. It was the first real estate private
organization to link up with Pakistan Navy. Bahria Town is one of the largest real-estate
developers in Asia. Bahria Town has projects in Lahore, Rawalpindi, and Islamabad and is
planning to develop projects in Murree and Karachi.

2.4History
It all started in 1996 when Bahria Town housing scheme was in traduced in Rawalpindi, then
after the success of Rawalpindi phase, in 1997 the chairman of Bahria town decide to launch a
housing project in Lahore also, after one year in 1998 Bahria Town was launched in Lahore, as
Bahria had a joint venture with Pakistan navy in 1996 people accepted this scheme with trust and
worthiness. Today it has been 14 years of success through service. Later the Pakistan Navy opted
to leave the project & Malik Riaz Hussain took over. Bahria Town started its operations from
Rawalpindi. Today Bahria Town properties in Rawalpindi, Lahore & Karachi stand at a
staggering over 45, 000 square acres.
4
2.5Chairman Message
Bahria Town is the force turning the vision of Pakistan into reality. Bahria Town’s 20,000 direct
employees are delivering iconic developments, driving leadership, pioneering innovation and
creating a legacy for generations to come. Landmark buildings, thriving communities, market
leading retail offerings and unprecedented investment opportunities. We are making a huge
contribution to the improvement of people’s life and opportunities. Discover Bahria Town
through the 6 Divisions based on Master Planned Communities, Education, Healthcare, Media,
Recreation/Retail and Hospitality.

The effects of our value system are far reaching. We have forever raised the standards of real
estate development by giving awareness to the customer. The real estate sector has today been
formally recognized as an Industry in Pakistan. Investment in over rupee 9 trillion across the past
2 years only in new housing initiatives has activated economy, provided over 100,000 jobs,
sustained and developed dependent industries and attracted immense foreign exchange inflow
from overseas Pakistanis. Bahria Town has established the national economy by motivating pure
foreign investment in the real estate sector.

We all owe this to our great people; a nation that has earned the reputation of an aware society
that welcomes initiatives, values innovation and rewards quality. The same people make up the
happening team at Bahria Town. From officer to senior management and field to the corporate
office, every single member of our family is dedicated to live the promise that we have all sworn;
continuous improvement in the quality of lifestyle however diverse and demanding!

I would like to re-commit here that we shall continue to be the most innovative, pioneering,
leading, value driven, choicest option for those who work for the cause, our employees and our
customers alike.
The world is looking at us today as the preferred investment destination. Lets us all be proud and
keep ourselves ready to deliver consistently over and over again.

I welcome you all to the Lifestyle Destination that we comprehend as Bahria Town.

Malik Riaz Hussain

Chairman 5
2.6 Concept
 Discover Bahria Town through the 6 Business Divisions based on Master communities,
Education, Healthcare, Media, Recreation / Retail and Hospitality. Our innovative offering of
self-contained, amenities rich communities created lifestyle options that were the first choice for
all. The integration of schools, parks, landscaped grounds and retail centers into master-planned
themed lifestyles has proved a winning combination. As master planners, our responsibility is to
provide everything people need within easy reach – often within walking distance. This means
our team includes not just architects but urban designers, traffic planners and recreation
specialists. We even have our own department to help plan gatherings and events, fostering a
sense of community.

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2.7 Facts & Figures
1. Largest Private Sector Development in Asia

2. Geographically largest single private sector project launch in Year 2005 throughout Asia.

3. Bahria Town is a self reliant venture which has never sought any government funding for
financing its infrastructure and developmental initiatives.

4. We operate Pakistan’s largest private sector fleet of heavy earth moving equipment with over
2500 pieces worth over 6 billion Rupees.

5. Bahria Town is collaborating with Starwood Hotels for the opening of 2 Sheraton Hotels & a
Sheraton Golf & Country Club, which would be the first of its kind in Pakistan.

6. We also have over 22,000 inspired, largest workforce with any private real estate developer.

7. The only housing society in Pakistan with standardized international infrastructure standards
8. The first Real Estate Development and Marketing Company in Pakistan to have a fully
integrated Enterprise Resource Planning and Management System.

9. The first Company in Pakistan to deliver a low cost housing project “Awami Villas” to
mitigate the housing crisis in Pakistan. The project cost was three times the cost at which sold,
difference was absorbed by Bahria Town.

10. The organization provides employment opportunities for over 1,500 local suppliers and
creates another 17,000 jobs associated through supply chain network in Lahore and Islamabad.
11. 100,000 households are dependent on Bahria Town for their sustenance and development
through direct, indirect and supply chain associated development.

12. Bahria Town enjoys the largest member base in Pakistan. It has over 200,000 customers,
making it the largest real estate developer in Asia.

13. Home Plus is the third largest card company in Pakistan with a member base of over 85,000;
belonging to different regions of Pakistan, with a huge response from the rural areas.

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2.8 Bahria Town Services
Economic Development

• Created direct employment for 22,000 people and 100,000 families. • Providing economic
sustenance for over 1 Million families through supply chain and associated employment. •
Driving and injecting foreign investment during these difficult times and building 2 Sheraton
Hotels with investment of more than USD200 million. • Generated demand for 55 factories from
cement, paint, bricks, glass and tiles to aluminum. • Bahria Town has paid direct and indirect
taxes worth billions of rupees to the government.

Infrastructure Development

• Delivered and developed Asia’s largest private housing scheme.

• Development projects of billions of rupees which have introduced a new lifestyle to the nation.
Bahria Town maintains its indigenous project development department with equipment worth
more than Rs. 6.5 billion.

• Delivered communities the size of cities with complete infrastructure including grid stations,
hospitals, schools, recreational facilities, security, civic amenities, utilities, emergency services
and futuristic lifestyle in a gated community.

• Committed to bridge the annual deficit of 700,000 houses by providing housing solutions
starting from Rs. 3.5 Lakhs, catering to all socio-economic classes.

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The theme behind Bahria town is unparalleled success is its unique development ideology
that serves the resident in a good manner. The services and infrastructure includes:

Masjids: Masjids are the important part of our religion and a symbol of Islam, Masjids reflects
the traditions of our religion so according to that, Each sector of Bahria has a separate Masjid,
along with spacious Jamia Masjids to host large gatherings. Beautiful design and unique
architectures provide a great Islamic ambiance.

Parks: Parks of different shape and sizes at Bahria town, gives a look of a city of gardens. Green
trees and shrubs, flowers and lawns provide the necessary reliefs from day to day stress of
modern life. Beautiful birds and small animals are also kept in the parks, for the pleasure of
children and adults.

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Telephone Exchange: As Bahria is different from all the other societies, so its having its own
state of art and design, telephone exchange at Bahria town is capable of providing trouble free
services to its residents. High speed broadband internet and cable connections give the luxuries
and connect the residents to the world in seconds.

Services: Bahria town has an efficient staff and a disciplined arena of workers, and its ensure
that it provides its residents with all the basic necessities and services of life, and to give its
residents easy and comfort.

Transport System: Bahria town’s own transport facility is a revolutionary idea for the
convenience of its residents. Bahria town is providing its residents a transport system that is safe,
accessible, and efficient. For this Bahria town has acquired a modern fleet of imported buses to
provide easy movement to and from different locations in Bahria town itself and also to different
areas of the city.
Security System: Provision of securities in all Bahria town communities is the top most priority
of Bahria town management. Apart from independent police stations, Bahria town is having its
own internal clock free security system with mobile vans and trained personnel who constantly
guard their designated vicinities. There are special surveillance cameras to ensure the secure and
peaceful environment for the residents. Our priority is to save guard your lives and belongings at
any cost.

Maintenance Service: Bahria town provides 24/7 free maintenance to its residents. As the help
is only one call away from you and we will try our level best to ensure that you are fuly satisfied
by our services. Our specially trained staff reaches your doorstep to fix any problem related to
electricity, gas, water supply immediately.
Topography: The unique facet of the development in Bahria town is how natural topography
has been incorporated and integrated with the infrastructure development, which makes our
projects unique by emphasizing the beauty of the project contrasting with the beauty found in
nature.

Expressway: An expressway has been completed to connect phases 7, 8 , 9 Bahria town to GT

Road in 5 minutes. This 210 feet large wide highway has been completed in a remarkable time of
3 months.

Road Networks: While finalizing the urban planning of its projects. Bahria Town management
focuses on the road network with Main Boulevard. Bahria is constructing many roads to connect
with the main areas.
Hospital: to provide excellent medical care and support to the community, hospitals with state of
the art equipment are fully functional in Bahria town Lahore. Having emergency care units
which are working 24 hours a day with the availability of ambulance services.

Facilities: Nephrology, Cardiology, Gynecology, Orthopedics, Dental Surgery,

Dermatology, Eye Department, Renal Transplant, Bone Marrow Transplant, Open Heart
Surgeries, 24 Hours Emergency Care Units.

Education: Bahria town school is providing an environment which is not only conductive to
learning and character building, but where students are prepared for the responsibilities,
opportunities and challenges of life. Currently school has more than 1000 students enrolled. The
Bahria Town School is affiliated with Agha Khan Board for matriculation and university of
Cambridge International Examination for O’Levels. The school encourages students to be
involved in extra curricular activities to broaden and complete their education.

The outstanding faculty is closely involved with the students, not only in the classroom, but as
coaches, advisors, mentors and friends. They foster an atmosphere that encourages students to
engage in rigorous intellectual activity and independent thinking.
Akhter Saeed Medical and Dental College: Akhter Saeed Medical and Dental College in
Bahria Town Lahore is established with the aim of providing state-of-the-art medical education
and produce graduates with highest academic, cognitive and psychomotor skills. It endeavors to
produce not only doctors but altruistic and empathetic physicians who will serve as a beacon of
hope and benevolence for the deprived and serve as role models for future generations. Highest
standard of teaching, training of medical student and patient care is aimed. Balanced program of
integrated problem based learning and continuous medical education will be followed to keep the
students abreast with the latest development in the field of medicine. Culture of research will be
inculcated in both students and teachers of the institute, later on embarking on post graduate
medical and nursing education in planned.
2.9 Retail (Mall Of Lahore)
Mall of Lahore embodies traditional architecture but yet it is modern, spacious and luxurious.
Mall of Lahore is the nation’s largest retail and entertainment complex. Along with an extensive
range of retail, restaurants and entertainment options, there are many unique features to the Mall
unlikely to be found in any community. What do the world’s hottest and most sought brands like
TAG Heuer. Nike, NEXT, Accessorize, Osim, McDonalds, Mothercare, ELC, KFC, Movenpick,
Bumble, Mantra, Baby Shop, Levis, Hub Leather and Khaadi have in common? Of course, other
than their huge fan followings. The festive Food Courts as another crowd puller, offering the
choicest international restaurants and cafes, along the local traditional cuisines catering to all
tastes and palates. The Mall of Lahore with its solid infrastructure is a part of Pakistan’s first
“Smart Building” the park lane Tower. Being a Smart Building, the facility features the most
recently invented high technology management surveillance and safety and security features.
Designed to change the way people shop, do business and live in Pakistan, the shopping mall,
corporate offices, club house, food court, child care centre, swimming pool, gym and common
areas are functional now. It is simply the Good life. The mall will contribute to an “astonishing”
new consumer culture.
2.10 Projects:
Safari Villas Lahore

A city with a city, Bahria Town Lahore is an extraordinary real estate development that is a
complete metropolis in itself. Especially designed to offer all the facilities desirable in a
residential area, Bahria Town Lahore is providing an astonishing lifestyle to its residents through
a fusion of parks, Masjids, school, hospital, zoo commercial area and high class community
centre. Just 30 minutes drive from the Mall; Bahria Town Lahore is located along the canal over
a vast expanse of land. Away from the usual hustle & bustle of the main city, Bahria Town
Lahore is a fully developed community providing all world class and unmatched facilities to its
residents where hundreds of families are enjoying a peaceful, secure and compelling lifestyle.
Bahria Town Lahore is setting a new standard in community development in Pakistan. Bahria
Town Lahore offers following lifestyle options:

Sector A Overseas Enclave

Sector B Ahram-e-Misr

Sector C Bahria Orchard

Canal View Oasis

Executive Lodges Park Lane Tower

Safari Villas

Executive Lodges: Executive Lodges is a unique concept of luxury living. Away from the hustle
and bustle of ordinary metropolitan lifestyle, these farmhouses of size 4 Kanal and 36 Kanal are
available for sale. The surrounding of this beautiful neighborhood provide you a charisma to live
nearest to the nature. These beautiful farmhouses are guarded by security experts of Bahria town
day and night.
Ahram-E-Misr: Ahram-E-Misr Lahore is an extraordinary new concept in modern day
living. Bases on the civilization of ancient Egypt, the whole community reflects the rich
Egyptian architecture in an opulent style. Supplemented by truly world class set of
services available to the resident of Bahria Town Lahore, Ahram-E-Misr is simply a class
above the rest. Life size structures of “Sphinx” and “Cats” in each street make this whole
community give a look of Egyptian Lifestyle.
As a mater of fact Ahram-E-Misr reflects the Egyptian culture and lifestyle but the
facilities available in it are really modern and up to the mark with the 21st Century. It not
only gives its residents the high lifestyle but also give them a relief from the crowdie and
noisy Lahore Streets. Bahria Town ensures that its resident live in peace and have no
problem issues regarding their living in Ahram-E-Misr.

Oasis Bedian Road: Oasis Bedian Road Lahore offers exclusive Farmhouses available
in different sizes and designs. Oasis will change the concept of farmhouse living in
Pakistan forever. Away from the ordinary hustle and bustle of the city. Oasis will provide
an ultra luxurious living opportunity in the midst of tranquil and peaceful environment.
All the modern facility, Bahria water supply, Bahria own Electricity supply, its own
sewerage system makes stay of the resident of Oasis Bedian Road, a masterpiece.
Bahria Orchard: A land of style and a resident of elegance are the best homes you can
find in Pakistan where every unit waves the latest in luxury and let you live in the most a
bit lifestyle with the fairy tale surrounding.

Spanning and springing green field earth embracing cover of yellow flowers with the
sudden contrast of dusty roads, unavailability of electricity and modern amenities sure
have many a times shelved our yearn to live in the country side. It has always being the
question of choosing between our modern and demanding lifestyles and the goodness of
the natural bounties. Bahria orchard is that fairy-tale land bringing our dreams to reality.
Enter Bahria Orchard through a dramatic gate house. The entrance boulevard winds itself
through a wonderfully themed landscaped park. A cool, calm breeze consistently caresses
your mind and soul and invites you to savor the gentleness of nature.
Designed as a golf course community; Bahria Orchard is nestled into nature green
residential spheres. Each sphere high-end amenities and miles of jogging and biking
traits. A Golf and Country Club will offer riding Stables and a spectacular eighteen-hole
championship golf course.
Customer Support Centre: To yield the desired results and to save its customers with
the highest standards of customer services BahriaTown management continuously in the
phase of revamping its offices.

The design is conceived keeping in mind the circulation pattern of typical visitor or a
customer. It’s a combination of efficient and functional work spaces. The exterior as well
as the interior can be termed as contemporary whereas the function is packaged with
aesthetics to create a statement. This office also clearly defines Bahria Town’s
commitment and seriousness towards its customers and the stop one of its kind solutions
provides a perfect interface with the Bahria Town Management and the customer. The
customer can address all of his needs under one root in the shortest possible time.

The office is primarily divided into 3 zones:

Customers greeting and waiting area, customer service centre (ground floor) and the
back-end support office is located on the first floor along with a series of meeting rooms,
central record / archives area. Information Technology and some Senior Management
Offices.
A state-of-the-art waiting area has been designed to cater to the numerous visitors visiting
the Bahria Town offices on daily basis. This waiting area consists of a seating capacity of
more than 150 seats along with sales and marketing stations for impromptus sales and for
providing basic information on new or future projects. The visitor inside as soon as his
number flashes. While walking through the bridge connecting the waiting area to the
teller counters the visitor is guided by blue led lights towards the reception which in turn
guides the visitor to the designated teller counter.

The upper deck consists of a record room using moveable and modular filing system. An
electric elevator connects the record room with the teller’s area vertically thereby
maintaining complete confidentiality. Departments like finance, It Internal Audit
management Offices and meeting rooms are situated on this floor.
Welfare Projects

• Providing daily free meals, twice a day, to more than 150,000 people throughout
Pakistan under Bahria Town Dastarkhawan.
• Thousands benefit from free medical treatment ranging from dialysis to open heart
surgery, bone marrow transplant to general treatments in 3 large Bahria Town Trust
hospitals.
• Mobile dispensaries providing free medicines in rural areas.
• Regular financial support to Al-Shifa Trust, Shaukat Khanum Memorial Trust, Sahara
Trust, SOS Village and many more welfare organizations.
• Running centers for over 4,000 orphans with educational and lodging facilities. •
Conducted combined marriages of more than 4,500 couples.
• Providing micro-finance loans to students in Rawalpindi Agricultural University.
• Running various schools, institutes and colleges in different cities and villages with
more than 7,000 students.
• Always at the forefront in helping the nation in times of natural calamities &
unfortunate incidents such as current destructive floods, the 2005 devastating earthquake,
Margalla Tower & fire at the Marriott Hotel and Ghakhar Plaza Rawalpindi. Also led
many relief teams for the aid of IDP’s, which provided financial, medical & food
assistance. Medical Camp established at Swabi has served over 30,000 patients already.
• Always at the forefront in helping the nation in times of natural calamities and
unfortunate incidents such as:
• The 2005 devastating earthquake, Margalla Tower.
• Fire at the Marriott Hotel and Ghakhar Plaza Rawalpindi.
• Also led many relief teams for the aid of IDP’s, which provided financial, medical and
food assistance. Medical Camp established at Swabi has served over 30,000 patients
already.
 Chapter # 3
Overview of Organization

3.1 Organizational Structure

Advice associates is the only Estate Agency in bahria Enclave islamabad which provides
you complete details of all projects of bahria town,through online.All informations are
updated on daily basis,which includes plot no,s,prices and location of plots.That is why
not only in pakistan overseas pakistani,s also get benefit by this online facility. They visit
our website and they are well informed about all projects of bahria town by this facility.

1. Assistance in matters of purchase/sale

2. Marketing of housing societies
3. Investment solutions in real estate sector
4. Construction

3.2 Meet Advice Associates

Habib Elahi

Chief Executive

Advice associates , a name of trust , a well reputed organization in real estate sector,was
established in 2001. We deal in all kinds of commercial and residential projects of Bahria
Town Rawalpindi, Islamabad and Karachi. We also deal in projects of Faisalabad city ,
like Fda city,City Housing Faisalabad and Wapda City .Our mission is to fulfill the needs
desires and dreams of our clients. I am highly satisfied being the chief executive of
Advice Associates and I Pray to ALLAH that by his Grace and Blessing Advice
Associates continues to our clients.

Mobile Number 0301 5454249

Muhammad Abdullah

General Manager

After a Long period of time and Continuous struggle Advice Associates is now become a
well reputed Estate Agency. our company is the only Estate Agency in Bahria town
which provides you Complete details of all projects of Of bahria town, through online.
All information is updated on daily basis. Which Includes Plot no, price & location. That
is whay not only in Pakistan, over seas pakistanis also get benefit by this Online facility.
They visit our website & the are well information about all project of Bahria town by this
facility.

Mobile Number 03217673867

3.3 Structure

Malik Riaz Hussain (Chairman)

Ali Riaz Malik (Chief Executive)

Directors

Major Amir Salman Ahmed Khan Zain Malik Farooq

Shahzad Ishaq Malik
 Chapter 4
Human Resource Management at BAHRIA ENCLAVE

4.1 HUMAN RESOURCE DIVISION

Human resource division (HRD) plays a vital role in carving the present and future image
of an organization by managing employees in the most beneficial and effective manner,
the functional arena of HRD consists of recruitment, training, performance appraisals,
planning and career development and above all grooming of staff to adhere to office
ethics and social norms.

At BAHRIA ENCLAVE, they believe that manpower is the most important and precious
asset. The HRD tries to create an environment of mutual trust and dignity and trying hard
to pursuit the expression: “We rather than I” so as to ensures best positive results. It is
playing a proactive role in capacity building, experience sharing, strengthening analytical
and policymaking, skill up-graduation to help the staff in their endeavors to make Bahria
Enclave competitive, dynamic and one of the best Organizations in the country.

HRD provides on the job as well as off-site training to the staff in diverse areas of Human
resource Management and management. The training relies on both external courses at
institutes of repute in the country and internally arranged courses. The management is
very cautious about the training needs of the staff and every year a handsome budget is
allocated for this purpose, our policy is to provide every employee at least one
opportunity to attend training program in each calendar year.

In addition to above, Bahria Enclave acknowledges professional acumen, experience and

expertise of its staff through regular financial benefits in the shape of competitive
salaries, cash awards, promotions, academic, sponsorships and other incentives so as to
boost their morale for greater input towards betterment of the bank.
 Chapter 5
Recruitment & Selection

5.1RECRUITMENT POLICY

OBJECTIVES

Financial institutions require sound management and a high degree of technical expertise
as well as competence and integrity. Recognizing that the quality of Human Resources
will determine the future of the Organization certain objective have been laid down as
the cornerstone of our recruitment policy which are:

1. That the highest standards of efficiency and integrity be maintained by merit

being the sole criteria for selection.
2. That induction of officers be made through a competitive process based on well
defined criteria in line with prevailing practice in the Human resource
Management industry.
3. That regular and permanent induction be made in officer cadre only without
clerical and other non-clerical staff.
4. That the Organization may pay competitive remuneration in line with other
Organizations, to attract staff of higher professional caliber, for induction at an
appropriate level.

POLICY AND PROCEDURE

1. Appointment shall be made both through direct recruitment and by promotion from
lower posts on merit.

2. Appointment to the posts of officers and supporting staff shall be made by the
Competent Authority on the recommendation of selection Committee to be constituted
from time to time.
5.2 APPOINTMENT CONDITIONS

FOR EXPERIENCED

Graduate with at least three years experience. Preference will be given to the candidates
who have passed diploma examinations. The above conditions may however be relaxed
by competent Authority on merit of each case.

FOR FRESH CANDIDATES;

OFFICER GRADE-II AND ABOVE

Master’s Degree with a minimum of 60% marks from any recognized with preference to
MBA, MPA, M.Com. and Economics.

JUNIOR OFFICER AND OFFICER GRADE-III

Graduate/Post Graduate from any recognized university. Suitability of a candidate for the
grate shall be determined by the Selection Committee.

Every candidate must be declared physically fit by a registered Medical Practitioner

appointed by the Organization before entering the service of the bank.

5.3 APPOINTMENT PROCEDURE FOR OFFICER GRADE-II AND

ABOVE

1. All the available vacancies for fresh recruitment shall be advertised in the National/CL
newspapers as and when deemed appropriate by the Bank.

2. The upper age limit for fresh candidates shall be 28 years. Appropriate age relaxation
may be granted to candidates possessing qualification of Chartered accountant, ICMA or
Ph.D.
3. A merit list on the basis of marks obtained by each candidates in test and interview
shall be prepared for recruitment.

4. The Selection Committee may relax the requirement of written test in case of
candidates possessing qualifications of Chartered Accountant, ICMA and ph.D.

5.4 Appointment Procedure of Officer Grade-Iii/ Junior Officers

All such appointment shall be made by the Selection Committee and suitability of a
candidate for the appropriate grade shall be determined by the Selection Committee.

5.5 Appointment In Non-Officer Cadre/ Driver And Security Staff

Appointment to all such posts shall be made by the selection committee on the suitability
and fitness of the candidate, irrespective of educational qualifications.1

The nomenclature of the various posts in the Organization shall be as under:

 Executive Vice President

 Senior Vice President
 Vice president
 Assistant Vice President
 Officer Grade-I
 Officer Grade-II
 Officer Grade-III
 Junior Officer
 Driver
5.6 PROBATION AND CONFIRMATION

The probationary period in respect of officers and subordinate staff will be

one year and shall be extendable at the discretion of the Competent
Authority. However, in case of officers recruited on the basis of previous
experience, the Competent Authority may either condone or relax the
probation period up to six months.
In the event of an employee failing to show satisfactory progress during the
probation period, the period of probation may be extended further on his
services dispensed with or without any notice. The probationary period shall
automatically stand extended if the Organization does not issue
confirmation orders. The Managing Director or any person duly authorized
by him may confirm the services of an employee.

TERMINATION OF SERVICES

i. The Organization may dispense with the service of a permanent

employee by giving him/her one month’s notice or pay in lieu of the
notice period. The power to terminate the service of an employee shall
be exercised by the Managing Director or any officer authorized by
him. Such termination of service of an employee is at the absolute
discretion of the Organization and it shall not be entitled to any form
of compensation from the bank.
 ii. The Organization reserves the right of dismissing an employee
without any notice/ assigning reasons if he is found guilty of
misconduct, fraud, breach of trust, or any neglect from duty.

RESIGNATION

A permanent employee shall not resign from the service of Organization

without giving three month’s prior notice to the Organization in written
(one month will be considered of 30 days). Failure to give such notice shall
make the employee liable to pay the Organization a sum equal to his three-
month’s salary. The temporary employees shall be required to give one
month’s notice to resign his appointment or to pay the Organization a sum
equal to one month’s salary.

TRANSFERS

All employees of the Organization are liable to be transferred to the Head

Office or Branch/office of the Organization anywhere in Pakistan. In the
event of non-compliance by the employee, he shall be liable to be terminated
from the services of the Bank.

PROMOTION

i. Promotions to various posts of officers shall be made on merit and no

employee shall have a claim to be promoted by virtue of seniority
 alone. In case, any employee in the higher post shows signs of
deterioration, he shall be liable to immediate reversion to the lower
post previously held by him.
ii. For promotion to the posts for which special qualifying examinations
or other conditions have been specifically laid on, only the employee
who passes such examination and fulfills such other conditions, shall
be eligible and no relaxation shall be made in this belief except, in
special cases, by the Competent Authority.
SENIORITY
(a) For proper administration of cadres/grades, the Organization shall cause
a seniority list of the employees to be prepared in January each year and
circulated amongst the employees but nothing contained in the seniority list
shall be construed to confer any vested right to a particular seniority in such
cadre or grade, as the case may be.

(b) In the case of direct recruits:

 Persons who are selected for appointment earlier by a Selection Board

or Committee shall rank senior to those selected later.

(c) In the case of departmental promotes:

i) Employees who are approved on the recommendations of the Promotion
Committee for promotion to the higher grade on an earlier date shall rank
senior to those who are approved on a later date, provided that an employee
eligible for promotion who is inadvertently omitted from consideration in
the original reference and is thus overlooked, when he is subsequently
considered and approved for promotion shall take his seniority with the
original batch.2
 Chapter 6
Human Resource Training & Development

6.1 BACK GROUND

The Bahria Enclave recognizes the need to enhance the productivity, performance and
value of its employees through continued training/education. The Organization initiated
the preparation of human resource development policy and plan by keeping in mind these
objectives.

6.2 POLICY FEATURES

The salient policy objectives of human resource development program are:

1. To develop skills to insure that every officer at a minimum is capable and

qualified for his/her current position.
2. To offer an orientation course for new employees (General Human resource
Management):
a. To promote a common culture of the Bahria Enclave.

b. To familiarize the new entrants to the services rules of The BAHRIA ENCLAVE.

6.3 TRAINING & DEVELOPMENT

The Human resource Management of Khyber’s training and development programs aims
to improve current and future employee performance by increasing, through learning, an
employee’s ability to perform, usually by increasing his or her skills and knowledge.

6.3.1OBJECTIVES
Increase Bank’s productivity by:

 Improving performance of employees

 Increasing adaptability and flexibility of each employee
 Increasing the level of commitment
 Reducing the employee turnover and absenteeism
6.3.2 PURPOSE
 The major purpose of Bahria Enclave training plant is to remove performance
deficiencies, whether current or anticipated, that are the result of employee’s
inability to perform at the desired level, and be more productive.
 Bahria Enclave training plan is also very important because ever changing
financial/Human resource Management sector demand flexibility and adaptability
in the employees.i
Training & development program of the Bahria Enclave is designed in three phases:

1. Assessment phase
2. Implementation phase
3. Evaluation phase

6.3.3 ASSESSMENT OF TRAINING NEEDS

The Assessment of training needs was simplified and a training needs survey was used to
gather data on the employee’s perceived need for training as well as the immediate
supervisor’s assessment. The employees name was recorded for each course where his
choice matched that of that supervisor.

6.3.4 IMPLEMENTATION
The implementation phase of training plan involves the actual delivery of training. This
requires resolving issues such as determining course content, scheduling courses,
contracting /assigning instructors, choosing training methods, media and venue. The
following ideas may be considered:

1. CURRICULUM COMMITTEE

In order to ensure that the course content is relevant and current and the course schedule
reflects the needs of the organization, it is , suggested that a Curriculum Committee be set
up which will be responsible for the approval of course schedule and course content as
well as serve as the advisory body for training.

2. COURSE SCHEDULE FOR IN-HOUSE TRAINING

The courses scheduled have been chosen based on;

 Continuation of the core competencies Human resource Management courses in

General Human resource Management, Advances and Foreign Exchange.
 Suggestion of External Auditor and others.
3. REGIONAL FOCUS

Bahria Enclave are looking to organize training at regional levels, the concept being that
Bahria Enclave take the training to the employees rather than bringing the employees to
the training, where ever possible, The regional centers are likely to be Karachi, Lahore,
Islamabad, Abbottabad, D.I.Khan and Mardan. In the connection, Bahria Enclave will be
required to develop trainers locally.

4. SPECIALIZED TRAINING

As laid out in the career path proposals, it is intended that employees will enter
specialized streams or career paths. They will then be imparted specialized training in
their relevant fields to become specialist in that field. Thus, Bahria Enclave will have to
tailor the training programme to provide the required specialist training.

5. MODULARIZATION

To provide more flexibility and reduce time away from work, the courses have been
modularized. Thus for example the General Human resource Management course may
now be delivered in ten modules of modules BB1through LB4instead of one, two-week
course.

6. TRAINING MATERIALS

The training Materials used must be relevant which the curriculum committee will insure.
Further they must address the skill base at the level of the participants and must be
compiled that any trainer at any location can use them.

7. HUMAN RESOURCE MANAGEMENT DIPLOMA EXAMS

The personal Department has been planning to offer some assistance with DAIBP exams
since last year, at the repeated requests of employees.

It is going to be difficult to arrange lectures for all the bank’s staff over a two to three
months period. Therefore, it is planned, that an information packet on the subject will be
prepared and distributed to all interested.

8. TEACHING METHODS

It is felt that Bahria Enclave teaching methods needs to be changed from classroom
lecture style to a more participatory workshop approach. Further, Bahria Enclave plan to
work in a way so that least amount of time is spent away form the job and learning is
reinforced with actual on the job training.

EVALUATION
Any training programme undertaken is than evaluated to analyze if objectives are being
achieved and if the benefits justify the cost. Evaluation techniques used could be feed
back surveys of trainees, tests, and results as mirrored through customer comments,
profitability, decrease in Audit Objections, External Audits, Results on industry standard
tests such as DAIBP and comments of the employee’s immediate supervisor. Bahria
Enclave believe that an evaluation survey method may be the best option for evaluation
of the programme and plan to use an evaluation from which will be designed in due
course.

6.4TRAINING AND DEVELOPMENT

The Bahria Enclave started its operations in 1991 with a staff of 20 officers. Initially the
Organization hired experienced staff from other Organizations who were assigned to the
newly opened branches of the Bank. As the Organization grew and consolidated its
operations the need for training both for emerging now issues, as well as strengthening of
basic competencies, began to be addressed.

In the year 2001, the Organization sent 61 officers for training at external institutes and
arranged training at the Head Office for 67 officers. It may also be noted that training
courses of the IBP are now also being arranged at regional centers.

This year the Organization has arranged courses arranged courses for groups of 20 to 25
participants of the following important subjects:

 Credit Management, Evaluation, Documentation & Recovery.

 Customer service in Organizations.
 Applied Accounting.3
 Chapter 7
Compensation & Benefits

7.1 ALLOWANCES AND FRINGE BENEFITS

The Allowance and other Benefits admissible to the permanent employees of the Bahria
Enclave shall be prescribed by the board and changed/modified from time to tome. The
existing Allowances and benefits of the Organization are as under:

UTILITIES

All officers are entitled to utility charges at the rate of 10 % of the basic pay. The charges
are admissible during tours and training within the country/abroad and leave of full pay
except extra ordinary leave.

REFRESHMENT CHARGES

The Officers who are required to sit late in connection with bank’s work or required to
attend the office on closed holidays may be allowed refreshment charges up to Rs. 200/-
per day by the Personnel and Establishment Deptt., on the recommendation of their
controlling officers.

INCREMENT

1. Annual increments shall be granted to the employees on 1 st January each year provided
the work and conduct of the employee concerned is satisfactory and clearance has been
granted by P & E Department.

2. The following provisions prescribe the condition in which service counts for
increments in a time scale:-

i) All duty in a post on a time-scale and periods leave other than extra-ordinary
leave count for increment in that scale.
 ii) An employee who has rendered at least six months service in a scale shall be
entitled to annual increment on 1st January. However, this condition may be
relaxed in case of officers recruited on the basis of previous experience.

GRANT OF HONORARIUM

The Managing Director may grant honorarium to an employee from the funds of the
Organization as remuneration for work performed which is occasional in character and is
either so laborious or of such special merit so as to justify a special reward.

7.2 DISBURSEMENT OF SALARIES

Pay and allowances of the employees will be disbursed on the 25 th day of the month. On
special occasions such as Eid-ul-Fitr and Eid-ul-Azha(for Muslim employee) and
Christmas (for Christian employees) the Managing Director may authorize advance
payment of salaries to the Organization employees.

The Managing Director may allow any extra facility over and above the entitlement of
any officer of the Organization in the interest of Bank’s business or under unavoidable
circumstances etc.

7.3 CONVEYANCE ALLOWANCE/ MAINTENANCE ALLOWANCE

All officers not provided with an official transport will be entitled to conveyance
allowance or Motorcycle/ Motorcar Maintenance allowance at the rates and subject to the
conditions specified below:

i) Conveyance Allowance/ Rs. 500.00

Motorcycle Maintenance per month

(for all Allowance employees)

ii) Motorcar Maintenance Rs. 1000.00

Allowance per month

(for Officers only)

TRAVELING ALLOWANCE/ DAILY ALLOWANCE RULES

● Daily allowance will be admissible for each day of absence from head quarter, to cover
the ordinary charges incurred by an employees as consequences of such absence & can be
drawn on tour & also on relieving

● The employees up of senior Vice President may stay in government Guest houses,
public Sector Corporation rest Houses & Hotels, they can claim room rent charges on
production of receipts subjects to a maximum of three L.A, at all station accept provincial
& federal capitals where the following Vales will be allowed for room rent.

OG II & below officer Grade III up to Rs.1000/-per day.

OG I & AVP up to Rs.2000/- per day.

VP & SVP up to Rs.2500/-per day.

● Executive Vice Presidents may stay in Hotel & claim actual charges including room
rent, food charges, telephone & other allied expenses if incurred in connection with
Bank’s business/ work.

● The employees may claim T.A advance equal to 80% of their entitlement & adjust the
same on the return from tour. The T.A, bill shall be submitted written two months after
the tour to regularize claim.

CONVEXANCE CHARGES

Actual avoidance charges are admissible to officer for official journey at an outstation
while on tour & also for local official journey on furnishing a certificate with the T.A, bill
that the amount was actually spent & no official transport was used such journey. Other
employees will be emitted to actual fare of public transport.
7.4 ENITLEMENT OF OFFICERS FOR OFFICAIL JOURNEY
i) All the officers are entitled to travel buy air in economy class both on domestic as well
as inter national flights subjects to approval of controlling officer & will claim actual fare
of the economy class, the competent authority may allow fare of other class.

ii) Other employees are entitled to travel by train in economy class or by bus or flying
coach. While traveling by train they are entitled to actual fare of second/economy class &
while traveling by road they are entitled to actual fare of bus/flying coach.

TRANSFER GRANT

Transfer Grant will be admissible to all the employees at a uniform rate as under once in
a calendar year, unless the transfer is required in the interest of the Organization & is not
at the personal request of the employee whereby it may be allowed more than one time a
year.

Employee possessing family = one month salary

Employee not possessing family = half month salary

FOREIGN T.A RULES

The Organization shall generally follow the T.A Rules of the Federal Govt. expect that
incidental charges covering transportation, telephone, entertainment etc shall be
admissible at the rate of 20% of the D.A entitlement to the officers proceeding on officer
tour/training abroad.
7.5 HOUSE RENT ALLOWANCE
All employee not provided with residential accommodation by the Organization are
entitled to house rent allowance at all stations at 70% of the basic pay. This allowance is
admissible during the period of joining time, tour, training and leave on full pay except
extra-ordinary leave.4

7.6 LEAVE RULES

CASUAL LEAVE

An employee will be entitles to 20 days. Casual leave pay in each calendar year. Such
leave will not be carried forward to the following year & will lapse if not availed during
the year. The casual leave will not normally be granted for more then 5 days at a time.

 Casual leave is intended to meet unforeseen Circumstances.

 Casual leave will not be combined with any leave.

EARNED LEAVE

(a) The entitlement/admissibility of the earned leave to an employee enrolled on the

strength of the Bahria Enclave shall be whorled out from the date of joining as under:

1. Earned of 48 days shall be admissible in every calendar year.

2. Leave for periods of less than one year will be calculated on prorate basis ignoring
decimal fraction.

3. Earned leave of 48 days will be credited only after completing one year of services.

(b) The earned leave may be accumulated & availed by the employees up to a maximum
of one year in the entire service.
PAY DURING LEAVE ON FULL PAY

Pay admissible during leave on full pay shall be the same as drawn in the preceding
month subject to pass.

LEAVE WITHOUT PAY

RECREATION LEAVE

RL may be granted for 7 days outside the leaves account once in a calendar year.
Recreation allowance equal to one basic pay will be admissible to the employees.

MATERNITY LEAVES
ML shall be admissible to female officers three (3) times in the entire service. The leave
may be granted to the extent of 90 days in all from the date of the commencement or
forty five days from the date her confinement, which ever be earlier the leaves so granted
will be leave on full pay, but will be first adjusted against the earned leave balance of the
employee & the remaining period will be created as leave on full pay outside the leave
account.

MEDICAL LEAVE & STUDY LEAVE

Medical leave and study leave can only be availed with the prior written consent of the
competent authority such leave shall not be claimed as a matter of right & will be decided
on the merit of each case. In case of medical leave an opinion from the bank’s approved
medical advisor may be sought when seen fit by the competent authority. Medical leave
or study leave if granted will be deducted from the earned leave account of the employee
on full pay & the remaining duration treated as leave without pay.

ENCASHMENT OF EARNED LEAVE

Encashment of earned leave up to six months on full pay shall be admissible to an

employee during the entire services provided he has completed 4 years of service on the
date of application.5
7.7 LOANS AND PENALTIES

LOANS FOR STAFF

The BAHRIA ENCLAVE offers the following types of loans to their staff.

1.House building finance

2.Car/motor cycle

3.Personel loans

4.Car lease finance

PURPOSE OF STAFF LOANS

The basic purpose of staff loans is to relieve their employees or staff members from any
type of problem they are facing regarding their accommodation, connivance or any
problem that is going to hurt their performance while they are on the job.

TOTAL SHARE OF THE STAFF LOAN

Bahria Enclave offers 5% of the total deposits of the year for the staff loans. For example,
if the total deposits for the year are 100,000/- then the staff loan for that year will be 5%
of 100,000/- i.e. 5000/-
PROCEDURE FOR THE STAFF LOANS

Every November 15 to December 15 a Circular is circulated to all branches of the Bahria

Enclave in order to make aware all the wishing employees if they want to avail this
facility offered by the Organization to them during this periods. These employees or staff
members then forward their applications to the concerned person in the Personnel
Department. These applications are then checked according to the criteria given for each
type of loan, those found eligible, their applications are accepted according to the set
procedure and are forwarded for the due procession.

CRITERIA AND PROCEDURE FOR HOUSE BUILDING

The criteria and procedure followed for the House Building Finance is as follows;

 The employee applying for this loan should have a length of service of three
years.
 The selected employee for the loan will be paid a loan equal to his eighty (80)
basics pays.
 This loan will be paid in two equal installments. The first installment will be paid
when the application is accepted and the second installment is given after the
property on which the house is going to be build is Mortgaged with the Bank.
 The length of recovery for this type for loan is twenty years (20) OR 240
installments.
CRITERIA AND PROCEDURE FOR CAR/MOTOR CYCLE LOAN

 The criteria and procedure for this type of loan is followed as;
 The person applying for this loan should have a service period of at least one year.
 The amount of loan payable for the car is one hundred and fifty thousand rupees
only. (150,000/-) with a mark up rate of 8%.
 The amount of loan payable for the motor cycle is forty thousand rupees only
(40,000/-). There is no mark up on these loans; it is free of mark up.
 The recovery period for this type of loan is 10 years.
HOUSE BUILDING ENHANCEMENT

This type of loan comes into the frame when an employee or staff member who has
already applied for the house building loan and is accepted for that purpose as well and
during this course he either gets Promotion or his salary increases by any special
increment so he becomes eligible for this loan, two things should be checked while
giving this loan;

Evaluation of the property, what is the value of the property for which he is asking for
this type of loan? For example, if he the loan available for him is 150,000, then the value
of the property should be round about 170,000/-

Legal opinion must be taken from the lawyers in order to avoid the complications of
Audit.

PERSONAL LOANS

Their criteria and procedure for the Personal loan is that the applicants should have.

 Completed at least one year of his service.

 The applicant is entitled for three basic pays for the loan.
 The rate of markup for this loan is 11%.
 It is payable within three (3) years.
 The employee can avail this loan for three to four times during his/her service.

CAR LEASE

This loan was first started on commercial basis for general public, but due to the
consistent demand of the staff members of the Bahria Enclave, the higher authorities
approved it and the Organization started offering this to its own employees as well.
Lease is an Islamic mode of financing and is in accordance with the statement of the
Bahria Enclave as well, which states that the Organization will develop into a full fledge
Islamic Organization with the passage of time.

CRITERIA AND PROCEDURE FOR CAR LEASE

The criteria and procedure for the car lease is as follow;

 The employee applying for this should have five (5) years as a length of service.
 He/she will have to pay 10% as a sown payment.
 The markup rate will be 6%.
 He/she will have to pay 3%as an Insurance per annum..
 The vehicle should be newly purchased.
 The vehicle should be registered at the name of the bank.
 If the employee has already availed the car loan then it should be adjusted before
disbursement.
 Junior officer, O.G-I, O.GII can avail up to Rs.300, 000/-
 O.G-I and AVP and above can avail up to Ts.700, 000/- 6

7.8 DISCIPLINARY AND GENERAL CONDUCT RULES

GROUNDS FOR PENALTY

Where an employee of the Bank, in the opinion of the authority

i) Is inefficient or has ceased to be efficient ;OR

ii) Is guilty of misconduct ;OR

iii)Is corrupt, or may reasonably be considered corrupt

PENALTIES

The following are the minor and major penalties, namely :-

MINOR PENALTIES:

i) Censure

ii) Withholding, for a specified period, promotion or increment, otherwise than for
unfitness for promotion or financial advancement in accordance with the rules or orders
pertaining to the service or post;

iii) Recovery from pay of the whole or any part of any pecuniary loss caused to the
Organization by negligence or breach of orders;

MAJOR PENALTIES:

Reduction to a lower post or time-scale, or to a lower stage in a time-scale:

1. Compulsory retirement;
2. Removal from service; and
3. Dismissal from service.7
 Chapter 8
SWOT analysis

STRENGTHS
Bahria Town (Pvt) Limited is considered to be a very successful organization in
the financial circles. It’s place where the residents find themselves safe and are mentally
peaceful. Some of the major strengths:
 Excellent Housing Scheme.
 Giving luxurious of life in affordable prices.
 Wide network of offices and Help Center.
 Goodwill and trust of the Bahria Town
 Lowest markup is charged
 On-line booking facility for overseas.
 Is a reputed organization.

WEAKNESSES
Bahria Town has also some weaknesses. But these weaknesses are much less than the
strengths. Following factors need attention of the management:
 Most of the employees are overloaded with work. There is uneven distribution of
work and promotions are not very timely.
 It is slow in the introduction of new services.
 Skill set of employees is not up to mark as there is no job rotation

OPPORTUNITIES
Bahria Town has grown up its business with a very high pace and it has got
tremendous popularity, even with in a very short span of time. There are many
opportunities for Bahria Town and by availing that it can stand amongst the top
Organization of the world.
 Expansion in branch network
 Extension of International network of the branches.
THREATS
 Political instability
 Increase in competition with other real estate organizations
 Terrorist image of the country
 Uncertain economic condition
 Slow product development process
 Change in Govt. policies
 Chapter 9
Conclusion, Recommendations and Suggestion

9.1 Internship activity

As I started my internship in Bahria town on 9 August 2010, I started performing small
activities like going to the
1. First got introduction to the Accounts Department.
2. Accounts Manager gave a brief introduction and orientation about the department
and its activities.
3. Explained me the procedure from booking a plot up till its possession has been
given to the residents.
4. Got knowledge about the installments where they are implemented and how much
down payment customers have to pay.
5. How to maintain records.
6. Took a sample of 4 to 5 customers and check the system implemented from date
first till the plot has been given to the residents.
7. Handling of petty cash.
8. Going bank for deposits or clearing.
9. Helping the accountant while calculating income tax
10. Maintaining ledgers.
11. Checking bank payment vouches and cash payment vouchers.
9.2 Things i learnt from internship:

1. How to communicate with people.

2. How to work as a team.
3. Always push your limits.
4. Be disciplined
5. Me punctual
6. Do your work as required.
7. Don’t be over smart.
8. Be professional.
9. Don’t judge people by their faces.
10. Don’t argue with your seniors.
11. Always try to learn and gather as much information you can get.
12. Gained experienced
13. With great power comes a great responsibility.
14. Don’t be rude with the lower staff.
15. Where there is a will there is a way.

9.3 CONCLUSION

As I have studied and analyzed Bahria Town I found out that this an excellent
organization, as far as its working, management is concerned. First of all there is no
directive style in the management of Bahria Town which shows that there is
decentralization in the company and every manager can take decision according to the
situation.
Bahria Town is providing their customers with wide range of services including online
booking, and easy installments. This shows that Bahria Town is taking good care of their
customers. Bank Bahria Town made heavy investments, towards enhancing its
capabilities. Bahria Town is well positioned to meet client needs, with improved
competitive advantage.
When I conduct comparative analysis with other organizations I found that it is somewhat
better than others, and from the analysis of previous year I concluded that it is improving
and in 2010 profits are more than the previous year and it is gaining good worth in
Pakistan and more and more people are coming to them due to their customer oriented
quality services. We can easily see on the Gate the message that “Your Lifestyle
Destination”. Almost all the classes of society are influenced by their affordable rates and
offering luxurious lifestyle because they are getting many things by paying less. Awami
Villas are also very much popular among the people and more and more people are
interested to buy them due to their secure and luxury in affordable prices. All these things
reflect the Bahria Town’s motto that “YOUR LIFESTYLE DESTINATION”. And it
really is our destination.

In the last I think that this Internship built good traits in my personality such as awareness
of the organization, participating in group discussion, good communication skills with
customers. Although, a period of six weeks is not enough to learn the complex operations
of a company yet, I have made efforts to converse them comprehensively in this report.
My educational career really concluded my capabilities and logical concepts through my
internship in Bahria Town. The internship training provides a surface to obtain better
knowledge about commercial operations and to get sound experience for practical stage.
It enables the student to polish their abilities and to groom up their personalities. I hope
that you will be glad to know about Bahria Town operations and its activities in my
report, which creates sense of understanding about real state organization in a new
dimension.

9.4 RECOMMENDATIONS

Bahria Town (Pvt) Limited is a well-known and successful Organization in real state
sector, it is said, nothing is perfect in the world, and there is always space for
deficiencies:
 In order to compete with the other organizations. Online services should be
excellent as we can see the growing competition among other organizations.
 It should acquire the services of the highly qualified people accompanied by
lucrative incentives to promote its status as desirable in the next millennium.
 In order to market its products it should accentuate to give advertisements on both
print and electronic media.

 The quality of human resource lies at the centre of every organization’s success
and no doubt Bahria Town (Pvt) Limited is fully aware of the importance of a
satisfied and well-trained work force that gives completive advantage but the
problem which I have observed is that employees of at lower level don’t have
enough knowledge. So the policy should be to continually encourage its
employees for their knowledge enhancement about their work. The state of the
art training and development centre at Bahria Town should arrange workshops
and seminars for employees at every level to empower them professionally.

 Bahria Town (Pvt) Limited operates as progressive and adaptive organization

maintaining dynamism and flexibility in all facets of its operations but in this era
of stiff competition it should consider to launch new services to attract the
customers.

 Their aim should remain to provide customers with value pricing and to ensure
that quality of their portfolio is never compromised despite market pressures.
 Try to establish effective communication between top-level management and
executive.
 A research cell should be established that continuously try to gather information
about the present action about its competitors and expected future actions.

 Management should increase the branch limit of expenditure to fulfill the

necessary expenditure of personnel relation.

 Every year some of the employees should be sent for training to other countries
and employees from other branches should be brought here.
 Employees Training programmed must be introduced on continuous basis so that
Employees have understanding with the latest developments especially with the
customers.
 References
1. Annual Report 2015 of BAHRIA ENCLAVE
2. Internet (www.Bahria Enclave.com.pk)
3. Mr. (VP) HRD Shahid Amin Head office
4. Sekaran, Uma (1999). Research Method for Business, 3rd edition, New
York
5. Quarterly Report Sep 30, 2016 of Bahria Enclave
i