Car Ijarah
Type
- Auto Financing
Payment Structure
- Residual Value Option: Defer up to 50% of the vehicle cost, reduce monthly rentals. Tenure: 1-7 years, tailored payment plans available
Eligibilty
- Pakistani citizens, salaried, self-employed, or businessmen with verifiable income. Minimum age: 21 years; Maximum age: 65 years at maturity
Compliance
- Shariah-compliant leasing model based on Ijarah (Islamic leasing). Halal financing with no interest involvement
Apni Bike
Type
- Motorbike Financing
Payment Structure
- Tenure: Up to 36 months. Fixed monthly installments. Down payment based on the selected motorbike’s price.
Eligibilty
- Salaried individuals with minimum PKR 25,000 income, businesspersons with verifiable income sources, or self-employed individuals
Compliance
- Fully Shariah-compliant, structured under Ijarah principles.
Consumer Ease
Type
- Personal Financing
Payment Structure
- Financing limit: PKR 50,000 – PKR 2 million. Repayment in fixed monthly installments for tenures ranging from 1-5 years.
Eligibilty
- Salaried individuals with confirmed job continuity or businesspersons with a steady income stream. Maximum age: 65 years at maturity
Compliance
- Structured under Diminishing Musharakah principles.
Solar Panel Financing
Type
- Renewable Financing
Payment Structure
- Financing up to PKR 1.5 million with flexible tenures ranging from 1-5 years. Down payment: Minimum 20% of equipment cost
Eligibilty
- Salaried and businesspersons with a stable income stream. Maximum age: 65 years at maturity
Compliance
- Shariah-compliant under Ijarah principles for asset usage financing
Commercial Vehicles
Type
- Vehicle Financing
Payment Structure
- Tenures range between 1-5 years. Financing for new and used commercial vehicles. Customized payment plans based on business needs
Eligibilty
- Business entities or individuals with verified commercial transport operations
Compliance
- Structured under Ijarah principles for leasing.
Corporate Banking
Type
- Business Financing
Payment Structure
- Structured to offer working capital, trade financing, and project financing for businesses. Tailored repayment options
Eligibilty
- SMEs, large corporations, and government entities with verified operational records.
Compliance
- Fully compliant with Shariah guidelines.
Investment Banking
Type
- Capital Financing
Payment Structure
- Includes Sukuk issuance, project financing, and equity market transactions. Custom repayment schedules based on project feasibility
Eligibilty
- Corporate clients, public entities, and institutions seeking Shariah-compliant capital solutions.
Compliance
- Sukuk and investments adhere strictly to Islamic finance principles
Commercial Banking
Type
- Business Asset Financing
Payment Structure
- Offers working capital, machinery purchase, and equipment acquisition financing. Flexible payment tenures depending on asset lifecycle
Eligibilty
- Commercial businesses of various sizes with documented financial records and operational history
Compliance
- Fully adheres to Shariah-compliant structures, primarily Diminishing Musharakah or Ijarah
SME Banking
Type
- SME Financing
Payment Structure
- Tenures of up to 5 years. Financing solutions tailored for cash flow and asset acquisition needs
Eligibilty
- SMEs registered in Pakistan with operational records and stable cash flows
Compliance
- Complies with Shariah principles for business asset utilization.
Agricultural Finance
Type
- Agri-based Financing
Payment Structure
- Financing for tractors, seeds, fertilizers, and equipment. Tenures range between 1-7 years, tailored repayment cycles aligned with harvest periods
Eligibilty
- Farmers with verifiable agricultural income and land ownership records
Compliance
- Fully compliant with Islamic agricultural financing models.